Inishuwarenzi inodiwa pakunyoresa mota muMinnesota
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Inishuwarenzi inodiwa pakunyoresa mota muMinnesota

09.11.2022 /

Dhipatimendi reMinnesota reMutyairi uye Vehicle Services rinoda kuti vatyairi vese vasava nemhosva kana kuti "financial liability" auto insurance kuti vabatsire kubhadhara mari yekukuvara nekukuvara kune chekuita netsaona yemotokari.

Minnesota's Minimum Drivers 'Financial Liability inosanganisira matatu marudzi einishuwarenzi yemhosva, imwe neimwe inofanirwa kusangana nehumwe huwandu hwekuvhara:

  • Hapana inishuwarenzi yemhosva kana kuchengetedzwa kwekukuvara kwemunhu kunobhadhara mari yako yekurapa uye kurasikirwa kwemari kana iwe ukakuvara mutsaona semutyairi kana mutyairi, zvisinei nekuti ndiani ane mhosva mutsaona. Iwe unofanirwa kuve uine hushoma hwemadhora makumi maviri einishuwarenzi yehutano uye hushoma hwemadhora makumi maviri emakumi maviri ekurasikirwa nemari.

  • Inishuwarenzi yemhosva inovhara kukuvara nekukuvadzwa kwepfuma kunoitwa nevamwe kana wawanikwa uine mhosva mutsaona. Iwe unofanirwa kutakura inokwana $30,000 yekukuvadzwa kwemuviri pamunhu, izvo zvinoreva kuti huwandu hwese hwaunofanirwa kutakura iUS $ 60,000 kuvhara nhamba diki yevanhu vanobatanidzwa (vatyairi vaviri). Iwe unofanirwawo kutakura inokwana $10,000 newe kana paine kukuvara kwepfuma.

  • Inishuwarenzi yemutyairi isina inshuwarisi inovhara mari yekurapa kupfuura kudzivirira kwako kwekukuvara kana wapinda mutsaona nemutyairi asina inshuwarisi. Mari shoma inodiwa kune uninsured mota inishuwarenzi i $50,000.

Izvi zvinoreva huwandu hwese hwekusungirwa hudiki inishuwarenzi kune chero mutyairi muMinnesota i $160,000.

Mamwe marudzi einishuwarenzi

Kunyangwe Minnesota isingade mamwe marudzi einishuwarenzi, unogona kufunga nezvekuwedzera kuvharwa kwekuwedzera dziviriro kana pakaitika tsaona. Izvi zvinosanganisira:

  • Collision inishuwarenzi kubhadhara kukanganisa kwemotokari yako mutsaona.

  • Yakakwana yekuvhara yekubhadhara isiri-njodzi kukuvara kwemotokari yako.

  • Rendi inobhadhara mari yerendi inodiwa.

Minnesota mota inishuwarenzi chirongwa

Makambani ese einishuwarenzi muMinnesota anogona kuramba kufukidzwa kwevatyairi vane njodzi huru. Kuti vatyairi ava vawane kuvharirwa zviri pamutemo kwavanoda, vanogona kubata vatapi veinishuwarenzi vakasarudzwa kuburikidza neMinnesota Motor Insurance Plan kana MNAIP. Kunyangwe makambani akamboramba kuvharirwa kune vamwe vatyairi anofanirwa kupa kuvharwa pasi peMinnesota Automobile Insurance Plan.

uchapupu hweinishuwarenzi

Chero mutyairi anoshanda nemota muMinnesota anofanira kutakura chitupa cheinishuwarenzi nguva dzese. Iwe unofanirwa kuratidza humbowo hweinishuwarenzi kumukuru wezvemitemo pakukumbira. Iwe unozodawo inishuwarenzi yekunyoresa mota yako.

Mafomu anogamuchirwa ehumbowo hweinishuwarenzi anosanganisira:

  • Kadhi reinishuwarenzi kubva kukambani yeinishuwarenzi yakatenderwa

  • Kopi yeinishuwarenzi yako

  • Tsamba kubva kukambani yako yeinishuwarenzi

Kunyoresa mota kana kuvandudza kunyoresa kwako, chitupa chako cheinishuwarenzi chinofanira kunge chine ruzivo rwunotevera:

  • Zita rekambani yeinishuwarenzi

  • Inishuwarenzi nhamba

  • Zuva rekupera kwepolicy

Zvirango zvekutyora mutemo

Kana iwe usina inishuwarenzi chaiyo muMinnesota, unogona kunge uri pasi pechimwe chezvirango zvinotevera:

  • Quote pamusoro pekusazvibata

  • Nguva yejeri inogoneka

  • Kumiswa kwerezinesi rekutyaira

  • Kumiswa kwekunyoresa motokari

  • $30 faindi yekupazve rezenisi

Kuti uwane rumwe ruzivo, bata Dhipatimendi reMinnesota rePublic Safety's Division yeDriver uye Vehicle Services kuburikidza newebhusaiti yavo.

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