Zofunikira za inshuwaransi pakulembetsa magalimoto ku Michigan
Boma la Michigan likufuna kuti madalaivala onse asakhale ndi vuto kapena "ndalama zandalama" inshuwaransi yamagalimoto kuti athandizire kulipira mtengo wowonongeka ndi kuvulala kokhudzana ndi ngozi yagalimoto.
Zofunikira pazandalama zochepa kwa madalaivala ku Michigan zidapangidwa mosiyana ndi mayiko ena ambiri. Nayi mitundu ya inshuwaransi yomwe mungafune komanso kufotokozera zofunikira zochepa:
Personal Injury Protection, kapena PIP, ndiyofunika kulipira ndalama zanu zachipatala. Ndalama zochepa zomwe zimafunikira zimasintha chaka chilichonse ndipo nthawi zambiri zimavomerezedwa ndi inshuwaransi yaumoyo wanu kuti muwonetsetse kuti dalaivala aliyense amalipira gawo la ngongole zachipatala.
Inshuwaransi yoteteza katundu ndiyofunika kuti iwononge kuwonongeka kwa katundu wa anthu ena omwe sanachite ngozi, monga nyumba kapena zikwangwani za pamsewu. Ndalama zochepa zomwe zimafunikira ndi $1,000,000.
Kuphatikiza apo, Liability for Residual Personal Injury and Property kuwonongeka, kapena BI/PI, ikufunika pazifukwa izi:
Ndinu olakwa pa ngozi yapamsewu yomwe inachititsa kuti munthu avulale kwambiri kapena afe.
Muli pangozi ndi munthu wina yemwe si wokhala ku Michigan ndipo akuyendetsa galimoto yomwe sinalembetsedwe ku Michigan.
Ndinu 50% kapena kupitilira apo chifukwa cha ngozi yomwe idawononga galimoto kuposa zomwe inshuwaransi yawo imaphimba.
Kuti mukwaniritse izi, muyenera kukhala ndi ndalama izi mu inshuwaransi ya BI/PI:
$20,000 chifukwa chovulala kapena kufa kwa munthu aliyense; izi zikutanthauza kuti mufunika kukhala ndi ndalama zosachepera $40,000 ndi inu kuti mupereke chiwerengero chochepa kwambiri cha anthu omwe angakhale nawo pangozi (madalaivala awiri).
$ 10,000 pakuwononga katundu kuzinthu zakunja.
$ 1,000 kuti awononge kuwonongeka kosatetezedwa kwa galimoto ina
Mitundu ina ya inshuwaransi
Ngakhale inshuwaransi yomwe yatchulidwa pamwambapa ndiyomwe ikufunika ku Michigan, madalaivala amathanso kusankha kulipira ndalama zowonjezera. Michigan ndi dziko lopanda vuto, zomwe zikutanthauza kuti kuwonongeka kwa galimoto yanu sikungathe kukonzedwa ndi gulu lina, ziribe kanthu yemwe ali ndi vuto. Pali mitundu itatu ya inshuwaransi yogundana yomwe mungaganizire kuti iwononge kuwonongeka kwa galimoto yanu pakachitika ngozi.
Limited Collision Inshuwalansi amalipira zonse zokonza galimoto yanu, pambuyo deductible, ngati muli osachepera 50% pa vuto pa ngozi.
Standard Collision Coverage imalipira zonse zokonzera galimoto yanu pambuyo pa deductible.
Broad Collision Inshuwalansi imalipira zonse zokonzetsera galimoto yanu popanda deductible yofunikira ngati ngozi yanu ili yochepera 50% yolakwa. Ngati cholakwika chanu chikuposa 50%, kampani yanu ya inshuwaransi idzakulipirani zonse mutachotsa deductible.
Zilango zophwanya malamulo
Ngati mulibe inshuwaransi yoyenera ku Michigan, mutha kulandila chimodzi mwazilango izi:
Chindapusa cha $500 mpaka $5,000 kapena kumangidwa mpaka chaka chimodzi.
Kuyimitsidwa kwa layisensi yoyendetsa kapena kulembetsa galimoto
Ngati mulibe khadi la inshuwaransi yofunikira ngati umboni wa inshuwaransi, mutha kulipiritsa chindapusa cha $25, chindapusa cha $200, chindapusa cha $500, kapena kuphatikiza zitatuzo, ngakhale galimoto yanu ili ndi inshuwaransi.
Kuti mumve zambiri kapena kukonzanso kalembera wanu pa intaneti, funsani a Michigan Department of State kudzera patsamba lawo.
