Zofunikira za inshuwaransi pakulembetsa galimoto ku Arkansas
Ku Arkansas, madalaivala onse amayenera kukhala ndi inshuwaransi yagalimoto kapena inshuwaransi ya "financial liability" kuti athe kuyendetsa galimoto movomerezeka komanso kusunga kalembera wagalimoto. Lamuloli limagwira ntchito pagalimoto iliyonse yonyamula anthu yomwe imayendetsedwa m'misewu yapagulu ku Arkansas.
Zofunikira zochepa pazachuma kwa anthu omwe ali pansi pa malamulo a Arkansas ndi awa:
Ochepera $25,000 pa munthu aliyense chifukwa chovulala kapena kufa. Izi zikutanthauza kuti muyenera kukhala ndi ndalama zosachepera $50,000 ndi inu kuti mukwaniritse anthu ochepa omwe achita ngozi (madalaivala awiri).
Ochepera $25,000 pazavuto zowononga katundu
Izi zikutanthauza kuti ngongole yochepera yochepera yomwe mungafune ndi $75,000 pakuvulaza thupi komanso kuwonongeka kwa katundu. Izi zimateteza aliyense pakagwa ngozi.
Mitundu ya inshuwaransi
Ngakhale inshuwaransi yomwe yatchulidwa pamwambapa ndi mtundu wokhawo wa inshuwaransi yamagalimoto yomwe ikufunika ku Arkansas, boma limazindikiranso mitundu iyi yowonjezera:
Inshuwaransi yakugundana, yomwe imateteza kuwonongeka kwa galimoto yanu chifukwa cha ngozi yapamsewu.
Kuphimba kwathunthu komwe kumateteza kuwonongeka kwa galimoto yanu chifukwa cha zinthu zomwe sizikugwirizana ndi magalimoto, monga nyengo yoyipa kapena moto.
Inshuwaransi ya oyendetsa galimoto yopanda inshuwaransi, yomwe imathandiza kulipira ndalama pakagwa ngozi pamene woyendetsa galimotoyo analibe inshuwaransi kapena alibe inshuwaransi.
Chitetezo chovulaza chomwe chimathandiza kulipira ngongole zachipatala, malipiro otayika, kapena ndalama zamaliro chifukwa cha ngozi ya galimoto.
umboni wa inshuwaransi
Dalaivala aliyense yemwe amayendetsa galimoto yolembetsedwa ku Arkansas ayenera kukhala ndi satifiketi ya inshuwaransi. Umboni wa inshuwaransi umafunikanso kulembetsa galimoto ndi DMV.
Umboni wovomerezeka wa inshuwaransi umaphatikizapo:
Satifiketi ya inshuwaransi, monga khadi yochokera ku kampani ya inshuwaransi yovomerezeka.
Kopi ya inshuwaransi kapena zomanga
Chikalata cha SR-22 chomwe chimatsimikizira kuti muli ndi inshuwaransi ndipo nthawi zambiri chimangofunika kuchokera kwa madalaivala omwe layisensi yawo idayimitsidwa kale chifukwa choyendetsa mosasamala kapena moledzeretsa.
Arkansas imagwiritsa ntchito njira yotsimikizira inshuwaransi yomwe imasunga zambiri za inshuwaransi yanu mu database. Nawonsonkhokwe iyi imawunikidwa mwezi uliwonse. Ngati mulibe inshuwaransi yolembetsedwa, mutha kulandira chidziwitso kuchokera ku boma lofuna kuti mugule inshuwaransi kapena kutsimikizira kuti muli ndi inshuwaransi yovomerezeka.
Zilango zophwanya malamulo
Ngati mukulephera kupereka umboni wa inshuwaransi pamene wafunsidwa ndi wapolisi pa nthawi yoyimitsa magalimoto kapena pamalo a ngozi, kapena mukulephera kusonyeza kuti muli ndi inshuwalansi pamene boma likufunsani, mukhoza kukumana ndi mitundu ingapo ya inshuwalansi. chindapusa:
Kufikira $250 chindapusa pakulakwira koyamba ndi kuyimitsa kulembetsa.
Kuphwanya kwina kungayambitse chindapusa chokwera komanso nthawi yotsekeredwa m'ndende.
Kuti muletse kuyimitsidwa kulembetsa, muyenera kupereka umboni wovomerezeka wa inshuwaransi ndikulipira chindapusa chobwezeretsa.
Kuti mumve zambiri, funsani a Arkansas Driver Service kudzera patsamba lawo.
