Inishuwarenzi inodiwa pakunyoresa mota muOklahoma

Vese vatyairi mudunhu reOklahoma vanosungirwa kuve neinishuwarenzi yeauto liability kana "financial liability" yemotokari dzavo kuitira kuti vatyaire zviri pamutemo uye kuchengetedza kunyoreswa kwemotokari.

Iwo mashoma emari echikwereti zvinodiwa kune vatyairi veOklahoma 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).

• $25,000 shoma yemhosva yekukuvadzwa kwepfuma

Izvi zvinoreva kuti huwandu hushoma hwechikwereti chemari chauchazoda i $75,000 kuvhara kukuvara kwemuviri kana kufa, pamwe nemhosva yekukuvadzwa kwepfuma.

Pamusoro pezvo, makambani ese einishuwarenzi anodiwa kuti ape kuvharwa kwevatyairi vasina inshuwarisi mumaraini avo einishuwarenzi. Nekudaro, vagari veku Oklahoma vanogona kubuda kunze kwekuvhara uku.

Oklahoma Auto Inishuwarenzi Chirongwa

Makambani ese ane mvumo yeinishuwarenzi muOklahoma ane kodzero yekuramba kuvharirwa kune vatyairi vanoonekwa se "njodzi huru". Izvi zvinoreva kuti mutyairi anga apinda mutsaona dzemotokari dzakawanda kwenguva yakareba, kana kuti akatongerwa mhosva dzakawanda dzemigwagwa munguva yakapfuura.

Kuve nechokwadi chekuti vatyairi vese vane inishuwarenzi yakakodzera, Oklahoma ine Oklahoma Motor Insurance Plan inobvumira chero mutyairi kunyorera inishuwarenzi kuburikidza nemakambani einishuwarenzi ari kutora chikamu.

uchapupu hweinishuwarenzi

Kunyoresa mota yako neOklahoma Dhipatimendi reMota Mota, unofanirwa kuratidza humbowo hweinishuwarenzi. Iwe unofanirwawo kuve negwaro reinishuwarenzi mumotokari yako nekuti unofanirwa kuriratidza panguva yekumira kwemotokari kana panzvimbo yetsaona.

Mafomu anogamuchirwa ehumbowo hweinishuwarenzi anofanirwa kusanganisira ruzivo runotevera:

• Zita nekero yekambani yeinishuwarenzi

• Nhamba dzeNational Association of insurance commissioners yekambani yeinishuwarenzi

• Zita rako

• Gore, gadzira, modhi uye nhamba yekuzivikanwa yemotokari yako

• Kushanda uye kupera kwemazuva einishuwarenzi

• Yambiro yekuti munofanira kuendesa mose kopi pamunenge mapinda uye kuchengeta kopi mumotokari yenyu nguva dzose.

• Chirevo ichi chinofanira kunge chakanyorwa chaizvo: “Nyatsotarisisa zvakasiiwa nepolicy. Iyi fomu haisi chikamu cheinishuwarenzi yako."

Pamusoro pezvo, Oklahoma ine inishuwarenzi yekuongorora system inoteedzera mamiriro einishuwarenzi emota dzese dzakanyoreswa. Vese vanopa inishuwarenzi vanofanirwa kuzivisa shanduko kuinishuwarenzi yako kuburikidza neiyi yemagetsi monitoring system kuitira kuti inishuwarenzi yako inogona kutariswa chero nguva.

Zvirango zvekutyora mutemo

Kana iwe usiri mutoro wezvemari muOklahoma, tadza kupa humbowo hweinishuwarenzi kana ichidikanwa, kana inishuwarenzi yako haigone kusimbiswa nemagetsi, unogona kutarisana nezvirango zvakati wandei. Izvi zvinosanganisira:

• Kumiswa kwerezinesi rako rekutyaira

• Kumiswa kwekunyoresa mota yako

• Muripo kusvika $250.

• Mutongo wemazuva makumi matatu mujeri

Kuti uwane rumwe ruzivo, kana kumutsidzira kunyoreswa kwemotokari yako online, bata Oklahoma Tax Commission's Division yeMota Vehicles kuburikidza newebhusaiti yavo.