Inishuwarenzi inodiwa pakunyoresa mota muKansas
Nyika yeKansas inoda kuti vatyairi vese vave nemhosva yemotokari kana inishuwarenzi ye "financial liability" kuitira kuti vashande motokari zviri pamutemo uye kuchengetedza kunyoreswa kwemotokari.
Izvo zvidiki zvemutoro wemari zvinodiwa kune vatyairi pasi pemutemo weKansas ndeaya anotevera:
Inosvika $25,000 pamunhu pakukuvara kana kufa. Izvi zvinoreva kuti iwe unofanirwa kuve neinenge $50,000 newe kuti uvhare vashoma vanogoneka nhamba yevanhu vapinda mutsaona (vatyairi vaviri).
$10,000 shoma yemhosva yekukuvadzwa kwepfuma
Minimum $25,000 pamunhu kune uninsured kana underinsured mutyairi mutoro. Izvi zvinoreva kuti iwe unofanirwa kuve neinenge $50,000 newe kuti uvhare vashoma vanogoneka nhamba yevanhu vapinda mutsaona (vatyairi vaviri).
Izvi zvinoreva kuti mari shoma yauchazoda ndeye $110,000 yekuvhara kukuvara kwemunhu, kukuvadzwa kwepfuma uye inishuwarenzi isina inshuwarisi kana underinsured yemutyairi.
Zvimwe zvinoda inishuwarenzi
Pamusoro pemhando dzeinishuwarenzi yemhosva yakanyorwa pamusoro, mutemo weKansas unoda kuti inishuwarenzi yega yega ibatanidze inishuwarenzi yekukuvara inosangana nezvishoma zvinotevera:
$4,500 yekubhadhara mari yekurapa yakaitwa nekuda kwetsaona yemumugwagwa.
$4,500 yekugadziridza nekuda kwetsaona yemumugwagwa.
$2,000 yekuvigwa kana kuvigwa nekuda kwetsaona yemumugwagwa.
$10,800 ($900 pamwedzi kwegore rimwe) kana ukaremara uye kurasikirwa nemari
$25 pazuva yebasa remumba rinodiwa pakugadziridza
Rudzi urwu rweinishuwarenzi runovimbisa kuti mari yako yekukuvara inovharwa neinishuwarenzi yako. Izvi zvakakosha nekuti Kansas inyika isina mhosva, zvinoreva kuti inishuwarenzi yemumwe bato haivhare kukuvara kwemuviri wako kana ukazvikanganisa.
uchapupu hweinishuwarenzi
Chero mutyairi anotyaira mota yakanyoreswa Kansas anofanira kutakura chitupa cheinishuwarenzi. Iwe unofanirwa kuratidza humbowo hweinishuwarenzi pakukumbirwa kwemupurisa uye panzvimbo yetsaona yawakasangana nayo. Uchapupu hweinishuwarenzi hunodiwawo kunyoresa motokari neDMV.
Humbowo hunogamuchirwa hwekuvharwa kweinishuwarenzi hunosanganisira:
Kadhi reinishuwarenzi kubva kukambani yeinishuwarenzi yakatenderwa
Certificate ye self-insurance
Chiratidzo cheSR-22 cheMutoro Wemari chinosimbisa kuti une inishuwarenzi uye chinowanzodiwa kubva kune vatyairi vane rezinesi rakambomiswa nekuda kwekutyaira wakadhakwa kana zvimwe zvinopomerwa zvekutyaira zvisina hanya.
Zvirango zvekutyora mutemo
Kana ukatadza kuratidza humbowo hweinishuwarenzi paunokumbirwa nemukuru wezvemitemo panguva yekumira kwemotokari kana panzvimbo yetsaona, unogona kutarisana nefaindi dzakakomba muKansas:
$1,000 yakaderera faindi uye inokwanisika nguva yejeri inosvika mwedzi mitanhatu yemhosva yekutanga.
Kumwe kutyora mutemo kunogona kukonzera faindi yemadhora zviuru zviviri nemazana mashanu uye kumiswa kwerezinesi remotokari nekunyoreswa.
Iwe unogona kubhadhara mari yekudzorera kuitira kuti unyore motokari yako zvakare mune ramangwana.
Kuti uwane rumwe ruzivo, bata Kansas State department reRevenue kuburikidza newebhusaiti yavo.
