Inishuwarenzi zvinodiwa pakunyoresa mota muWest Virginia

Zviri mukati

uchapupu hweinishuwarenzi
Zvirango zvekutyora mutemo

Vese vatyairi mudunhu reWest Virginia vanofanirwa kuve neinishuwarenzi yedikidiki kana "mari yemhosva" kuitira kuti vashande zviri pamutemo mota mumigwagwa yeWest Virginia.

Izvo zvidiki zvemutoro wemari zvinodiwa kune vatyairi veWest Virginia 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, vatyairi vese vekuWest Virginia vanofanirwa kunge vaine inishuwarenzi yemutyairi isina inshuwarisi pane yavo mishoma yemainishuwarenzi emari yakafanana neyeinishuwarenzi yakaderera yeinishuwarenzi ($75,000). Nekudaro, nepo hushoma uhwu huri hwese hunodiwa kune vatyairi, makambani einishuwarenzi anofanirwa kukupa iyo inotevera miganhu kumutyairi asina inshuwarisi:

Mari isingasviki $100,000 pamunhu kana akakuvara kana kufa uye inokwana $300,000 yekuvhara chero kukuvara kana kufa.
Inosvika $50,000 yekukuvadza pfuma

Vatyairi veWest Virginia vanogona kungogamuchira hushoma huwandu hwekuvhara kune vatyairi vasina kuchengetedzwa kuti vaderedze mutengo wemaprimiyamu einishuwarenzi.

uchapupu hweinishuwarenzi

Iwe unofanirwa kuve uine gwaro reinishuwarenzi mumotokari yako uchityaira nekuti unofanirwa kuripa panguva yekumira kwetraffic kana panzvimbo yetsaona. Paunenge uchinyoresa mota, unofanirwawo kuve neinishuwarenzi chitupa. Nzira inogamuchirwa yehumbowo hweinishuwarenzi muWest Virginia chitupa cheinishuwarenzi kana fomu reWV-1 rakapihwa nekambani yeinishuwarenzi. Fomu iri rinofanira kusanganisira nhamba yekambani yeinishuwarenzi yeNational Association of Insurance Commissioners.

West Virginia inoshandisa yemagetsi yekutarisa system kutarisa mamiriro einishuwarenzi chero mota. Nehurongwa uhu, haufanirwe kuve neWV-1 kuti uvandudze kunyoresa kwako muWest Virginia.

Zvirango zvekutyora mutemo

Kune akati wandei marudzi efaindi West Virginia vatyairi vanogona kutarisana nayo kana vakawanikwa vaine mhosva yekutyora inishuwarenzi. Izvi zvinosanganisira:

Kumiswa kwekunyoreswa kwemotokari kunogona kudzoserwa chete nekubhadhara mari yemadhora zana uye nekupa humbowo hweinishuwarenzi.
Kumiswa kwemarezinesi emotokari ayo anogona kudzoserwa chete nekubhadhara muripo wemadhora makumi mashanu.
Kumiswa kwerezinesi rekutyaira iro rinogona kudzoserwa chete nekubhadhara mari inosvika madhora makumi mashanu mushure menguva yakati rebei.

Kupa ruzivo rweinishuwarenzi yenhema kumukuru wezvemitemo kana kuWest Virginia Dhipatimendi reMotokari kunogona kukonzera zvirango zvinotevera: