Zofunikira za inshuwaransi polembetsa galimoto ku Georgia

Ku Georgia, madalaivala amayenera kukhala ndi inshuwaransi yazachuma kapena "ndalama zachuma" kuti ayendetse galimoto movomerezeka.

Inshuwaransi yocheperako yofunikira kwa eni magalimoto pansi pa lamuloli ndi motere:

• $25,000 kuvulala kwathupi kwa munthu m'modzi. Izi zikutanthauza kuti inshuwaransi iliyonse iyenera kukhala ndi ndalama zosachepera $50,000 kuti ikwaniritse chiwerengero chochepa kwambiri cha anthu omwe achita ngozi (madalaivala awiri).

• $25,000 pakuwononga katundu

Izi zikutanthauza kuti dalaivala aliyense ayenera kutsimikizira kuti ali ndi ngongole zokwana $75,000 pagalimoto iliyonse yomwe ali nayo ku Georgia.

Mitundu ya inshuwaransi

Ngakhale iyi ndi mitundu yokha ya inshuwaransi yomwe boma la Georgia likufuna, mitundu ina ya inshuwaransi imadziwika kuti ipezekenso. Izi zikuphatikizapo:

• Inshuwaransi yakugundana, yomwe imateteza kuwonongeka kwa galimoto yanu pangozi.

• Inshuwaransi yokwanira yomwe imateteza kuwonongeka kwa galimoto yanu zomwe sizinachitike chifukwa cha ngozi (mwachitsanzo, kuwonongeka kwa nyengo).

• Inshuwaransi yaumoyo ndi maliro, yomwe imalipira ndalama zachipatala kapena maliro obwera chifukwa cha ngozi yagalimoto.

• Inshuwaransi yoyendetsa galimoto yopanda inshuwaransi, yomwe imalipira ndalama pakagwa ngozi yokhudzana ndi dalaivala wopanda inshuwaransi.

umboni wa inshuwaransi

Georgia ndi amodzi mwa mayiko ochepa omwe savomereza khadi la inshuwaransi kuchokera ku kampani yanu ya inshuwaransi ngati umboni wa inshuwaransi. M'malo mwake, umboni wa kuphimba ukhoza kupezeka kudzera mu Georgia Electronic Insurance Enforcement System. Kampani yanu ya inshuwaransi imafotokoza momwe muliri ku database iyi.

Umboni wovomerezeka wa inshuwaransi yolembetsa galimoto yanu, ngati inshuwaransi sinafotokozedwe ku GEICS, ikuphatikizapo:

• Bilu yogulitsa yomwe idalembedwa mkati mwa masiku 30 kuchokera pamene inshuwaransi idagulidwa, yomwe ili ndi tsamba lovomerezeka la inshuwaransi.

• Satifiketi yovomerezeka yodzipangira inshuwaransi yoperekedwa ndi Georgia Fire Authority.

Zilango zophwanya malamulo

Ngati dalaivala atapezeka kuti alibe inshuwaransi yoyenera m'boma la Georgia, masitepe angapo adzatengedwa ndipo zilango zosiyanasiyana zidzaperekedwa pa sitepe iliyonse:

• Gawo loyamba ndikuyimitsa kulembetsa galimoto mpaka inshuwaransi yoyenera itabwezeretsedwa.

• Kuti mulembetsenso, ndalama ziwiri ziyenera kulipidwa mukapereka satifiketi yatsopano ya inshuwaransi: chindapusa cha $25 chochotsa kulembetsa ndi chindapusa cha $60 chobwezeretsa.

• Kuphwanya kwachiwiri mkati mwa zaka zisanu kudzapangitsa kuti nthawi yayitali yolembetsa kuyimitsidwa.

• Pazolakwa zotsatila mkati mwa zaka zisanu, kulembetsa galimotoyo kudzayimitsidwa kwa miyezi isanu ndi umodzi. Ndalama zochira pamlingo uwu zimafika $160.

Kuletsa inshuwaransi

Ngati mukufuna kuletsa inshuwaransi yanu, muyenera kaye kuletsa kulembetsa galimoto yanu ku ofesi ya oyang'anira msonkho m'chigawo chomwe mukukhala. Mukayimitsa ntchito yanu musanalembetse, mudzalipiritsidwa ndalama zobwezeretsanso komanso zotha ntchito.

Kuti mudziwe zambiri, funsani Dipatimenti Yopereka Ndalama ku Georgia pa webusaiti yawo.