Zofunikira za inshuwaransi polembetsa galimoto ku Louisiana

Dipatimenti ya Inshuwalansi ya ku Louisiana imafuna kuti madalaivala onse ku Louisiana akhale ndi inshuwalansi ya galimoto kapena "ndalama zachuma" kuti agwiritse ntchito galimoto movomerezeka ndi kusunga kaundula wa galimotoyo.

Zofunikira zochepa pazachuma kwa oyendetsa ku Louisiana ndi izi:

• Ochepera $15,000 pa munthu aliyense chifukwa chovulala kapena kufa. Izi zikutanthauza kuti muyenera kukhala ndi ndalama zosachepera $30,000 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 $55,000 pakuvulaza thupi komanso kuwonongeka kwa katundu.

"Palibe masewera, palibe malipiro"

Lamulo la Louisiana la "No Play, No Pay" limatanthauza kuti madalaivala ali ndi mphamvu zochepa zoyimba mlandu chifukwa cha kuwonongeka kwa katundu ndi kuvulala kwawo, posatengera kuti ndi ndani yemwe ali ndi vuto. Ngati mwakhala mukuyendetsa galimoto pangozi, simungalandire malire awa:

• $ 25,000 yoyamba yazinthu zowononga katundu ndi

• $15,000 Zofuna Zovulazidwa Zoyamba

Zoletsa izi sizikugwira ntchito kwa okwera ngati galimotoyo si ya wokwerayo.

Louisiana Auto Insurance Plan

Louisiana ili ndi pulogalamu yaboma yotchedwa Louisiana Auto Insurance Plan (LAIP) yomwe imapatsa madalaivala omwe ali pachiwopsezo chachikulu mwayi wopeza inshuwaransi yamagalimoto yomwe amafunikira kuchokera kumakampani ovomerezeka a inshuwaransi.

umboni wa inshuwaransi

Muyenera kupereka umboni wa inshuwaransi mukalembetsa galimoto yanu, komanso ngati wapemphedwa ndi wapolisi poyimitsa kapena pamalo a ngozi. Mitundu yovomerezeka ya umboni wa inshuwaransi ndi:

• Kope la inshuwaransi yanu yomanga kapena khadi la inshuwaransi loperekedwa ndi wothandizira inshuwalansi wovomerezeka.

• Copy of the declaration page from your insurance contract

• Mawu olembedwa kuchokera ku kampani yanu ya inshuwaransi kapena wothandizira omwe ali ndi nambala yozindikiritsa galimoto komanso kufotokozera galimotoyo.

Zilango zophwanya malamulo

Ngati woyendetsa agwidwa akuyendetsa ku Louisiana popanda inshuwaransi yocheperako, zindapusa ziwiri zitha kuyesedwa:

• Ma laisensi agalimoto adzathetsedwa ndipo mbale zosakhalitsa zidzaperekedwa, zomwe zidzalola dalaivala kuti apereke inshuwalansi kwa Motor Vehicle Authority mkati mwa masiku atatu.

• Galimoto ikhoza kumangidwa.

Kubwezeretsanso chiphaso choyendetsa galimoto

Ngati inshuwaransi yagalimoto yanu yathetsedwa kapena galimoto yanu yalandidwa chifukwa chakuphwanya malamulo a inshuwaransi, muyenera kuchita izi kuti muyendetse movomerezeka ku Louisiana:

• Gulani inshuwaransi yatsopano yocheperako

• Tengani satifiketi yatsopano ya inshuwaransi ku ofesi ya OMV.

• Lipirani chindapusa chobwezeretsa mpaka $100 pakuphwanya koyamba; mpaka $250 pakuphwanya kachiwiri; mpaka $700 pakuphwanya kwina

• Lipirani ndalama zowonjezera kutengera kuchuluka kwa masiku omwe mumayendetsa popanda inshuwaransi.

• Tumizani Umboni wa SR-22 wa Udindo Wachuma, womwe umatsimikizira kuti muli ndi inshuwaransi yocheperako. Ngati SR-22 yam'mbuyomu yatha, muyenera kulipira $60 yobwezeretsa.

Kuti mumve zambiri, funsani a Louisiana Motor Vehicle Authority kudzera patsamba lawo.