Inishuwarenzi inodiwa pakunyoresa mota muVermont

Nyika yeVermont inoda kuti vatyairi vese vave neinishuwarenzi yedikidiki kana "financial liability" kubhadhara mutengo wetsaona yemotokari. Izvi zvinodiwa kunyoresa zviri pamutemo uye kushandisa mota muVermont.

Izvo zvidiki zvemutoro wemari zvinodiwa kune vatyairi veVermont ndeizvi:

• 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

• Mari shoma ye $50,000 pamunhu pamutyairi asina insured kana underinsured. Izvi zvinoreva kuti iwe unofanirwa kuve neinenge $100,000 newe kuti uvhare vashoma vanogoneka nhamba yevanhu vapinda mutsaona (vatyairi vaviri). Izvi zvinopa dziviriro kana mutyairi akaita tsaona nemumwe mutyairi asina inishuwarenzi inodiwa nemutemo.

Izvi zvinoreva kuti mari shoma yauchazoda iUS $160,000 yekuvhara kukuvara kana kufa, mutyairi asina inshuwarisi kana asina insured, uye mhosva yekukuvadzwa kwepfuma.

Mamwe marudzi einishuwarenzi

Nepo inishuwarenzi yemhosva yakanyorwa pamusoro ndiyo chete inodiwa kuvatyairi veVermont, vatyairi vazhinji vanosarudza kuva nemamwe marudzi einishuwarenzi kuti vabhadhare mari yakawanda inoenderana netsaona. Mhando idzi dzinosanganisira:

• Collision insurance, inobhadhara kukuvadzwa kwemotokari yako mutsaona.

• Kufukidzwa kwakadzama kunovhara kukuvadzwa kwemotokari yako nekuda kwemamiriro asiri etsaona (akadai semamiriro ekunze asina kunaka).

• Kuvharwa kweinishuwarenzi yezvokurapa iyo inobhadhara mari yezvikwereti zvekurapa mushure menjodzi.

• Inishuwarenzi yekudhonza uye yebasa, iyo inobhadhara mutengo wekudhonza uye basa rinodiwa kuti mota yako idzokere munzira mushure metsaona.

• Rental compensation, iyo inobhadhara mari inobatanidzwa neinodiwa yekurojesa mota mushure metsaona.

uchapupu hweinishuwarenzi

Nyika yeVermont haidi humbowo hweinishuwarenzi kuti ichengetwe neDepartment of Motor Vehicles. Nekudaro, iwe unozodikanwa kuratidza kadhi rako reinishuwarenzi kumupurisa pakumira kana panzvimbo yetsaona.

Zvirango zvekutyora mutemo

Kana ukabatwa uchityaira usina inishuwarenzi, unofanira kupa gwaro reinishuwarenzi kumupurisa mukati memazuva gumi nemashanu. Kana ukakundikana kuita kudaro, kana kuti ukabatwa uchityaira usina inishuwarenzi inodiwa nomutemo, unogona kutarisana nezvinotevera faindi:

• Mari

• Mapoinzi maviri murekodhi yako yekutyaira

• Kunosungirwa kufambisa kweSR-22 Humbowo hweMutoro Wemari. Gwaro iri rinoshanda sevimbiso kuhurumende kuti uchatakura inishuwarenzi inodiwa kweanenge makore matatu. Gwaro iri rinowanzodiwa chete kune vanenge vabatwa nemhosva yekutyaira zvisina tsarukano sekutyaira vakadhakwa.

Kuti uwane rumwe ruzivo kana kumutsidzira kunyoresa kwako pamhepo, bata Vedhipatimendi reVermont reMotokari kuburikidza newebhusaiti yavo.