Zofunikira za inshuwaransi pakulembetsa magalimoto ku Indiana
Kuti muyendetse galimoto mwalamulo ku Indiana, muyenera kulembetsanso galimoto yanu ku Bureau of Motor Vehicles chaka chilichonse. Kuti muchite izi, muyenera kupereka umboni kuti muli ndi inshuwaransi yofunikira.
Inshuwaransi yocheperako yofunikira kwa eni magalimoto pansi pa malamulo aku Indiana ndi motere:
$10,000 pakuwonongeka kwa katundu, zomwe zimawononga kuwonongeka kwa galimoto yanu ku zinthu za munthu wina (monga nyumba kapena zikwangwani zapamsewu).
$25,000 ya inshuwaransi yovulala pamunthu aliyense; izi zikutanthauza kuti ndalama zochepera zomwe dalaivala ayenera kukhala nazo pa inshuwaransi yovulaza thupi ndi $US 50,000 XNUMX kuti apereke chiwerengero chochepa kwambiri cha anthu omwe achita ngozi (madalaivala awiri).
Izi zikutanthauza kuti inshuwaransi yonse yofunikira ndi $60,000 kwa oyendetsa aku Indiana.
Lamulo la Indiana limafunanso inshuwaransi kwa oyendetsa galimoto omwe sali ndi inshuwaransi komanso omwe alibe inshuwaransi, yomwe imalipira ndalama pakagwa ngozi yokhudzana ndi dalaivala yemwe analibe kuchuluka koyenera komwe kumafunikira ndi lamulo. Ndalama zochepa pamtundu uliwonse ndi izi:
Inshuwaransi yoyendetsa galimoto yopanda inshuwaransi iyenera kukhala yofanana ndi zomwe zimafunikira pa inshuwaransi yazambiri ku Indiana ($60,000).
Inshuwaransi yoyendetsa galimoto yopanda inshuwaransi iyenera kukhala $50,000.
Mitundu ina ya inshuwaransi
Ngakhale mitundu iyi ya inshuwaransi yolipirira ndiyo yokhayo yovomerezeka, Indiana imazindikira mitundu ina ya inshuwaransi kuti ipezekenso. Izi zikuphatikizapo:
Chithandizo chamankhwala chomwe chimalipira mtengo wamankhwala kapena maliro obwera chifukwa cha ngozi yapamsewu.
Inshuwaransi yokwanira yomwe imateteza kuwonongeka kwa galimoto yanu zomwe sizinachitike chifukwa cha ngozi (mwachitsanzo, kuwonongeka kwa nyengo).
Inshuwaransi ya Collision, yomwe imaphimba mtengo wa kuwonongeka kwa galimoto yanu yomwe ndi zotsatira zachindunji za ngozi yagalimoto.
Kubweza ndalama zobwereketsa zomwe zimalipira kugwiritsa ntchito galimoto yobwereka pamene galimoto yanu ikukonzedwa pambuyo pa ngozi.
Kuphimba kwa Gap, komwe kumakhudza zotsalira zobwereketsa kapena zobwereketsa zagalimoto ngati mtengo wonse wagalimotoyo unali wocheperapo ndalama zomwe zidali kale.
Custom Parts and Equipment coverage, yomwe imalipiritsa mtengo wokonzanso zinthu zomwe sizinali zokhazikika pagalimoto yomwe yawonongeka pangozi.
Chikalata Chogwirizana
Ku Indiana, makampani a inshuwaransi amayenera kukanena ku boma BMV ngati dalaivala wapatsidwa tikiti kapena wachita ngozi. Satifiketiyi imagwiritsidwa ntchito ngati umboni wa inshuwaransi kuwonetsa boma kuti dalaivala akukwaniritsa zochepa za inshuwaransi yovomerezeka. Ngati satifiketiyi sinaperekedwe mkati mwa masiku 40 kuchokera tsikuli, BMV ipereka pempho ndipo mutha kuyimitsidwa laisensi yanu yoyendetsa.
Zilango zophwanya malamulo
Kuyendetsa popanda inshuwaransi ku Indiana kungapangitse kuti chiphaso chanu chagalimoto chiwonongeke kwa chaka chathunthu.
Ngati mwapezeka kuti ndinu olakwa pa kuyendetsa galimoto mosasamala, monga kuyendetsa galimoto mwaledzera, mungafunikirenso kupereka chikalata cha ngongole ya SR-22 yomwe imatsimikizira kuti muli ndi inshuwalansi yofunikira kuchokera ku kampani ya inshuwalansi yovomerezeka.
Kuti mumve zambiri, funsani a Indiana Bureau of Motor Vehicles patsamba lawo.
