Zofunikira za inshuwaransi polembetsa galimoto ku Minnesota

Dipatimenti ya Minnesota Department of Driver and Vehicle Services imafuna kuti madalaivala onse asakhale ndi vuto kapena "ndalama zandalama" inshuwalansi ya galimoto kuti athandize kulipira mtengo wa kuwonongeka ndi kuvulala kokhudzana ndi ngozi ya galimoto.

Minnesota's Minimum Drivers' Financial Liability ikuphatikiza mitundu itatu ya inshuwaransi yolipirira, iliyonse yomwe iyenera kukwaniritsa zocheperako:

• Palibe inshuwaransi yolakwa kapena chitetezo chakuvulala kwanu chimalipira ngongole zanu zakuchipatala komanso kutaya ndalama ngati mwavulala pangozi ngati dalaivala kapena wokwera, mosasamala kanthu kuti ndani walakwa pa ngoziyo. Muyenera kukhala ndi ndalama zosachepera $20,000 za inshuwaransi yazaumoyo komanso ndalama zosachepera $20,000 kuti mupeze ndalama.

• Inshuwaransi yamilandu imakhudza kuvulala ndi kuwonongeka kwa katundu ndi ena ngati munapezeka ndi vuto pa ngozi. Muyenera kunyamula ndalama zosachepera $30,000 pamunthu aliyense, zomwe zikutanthauza kuti ndalama zochepera zomwe muyenera kunyamula ndi $60,000 kuti mukwaniritse chiwerengero chochepa kwambiri cha anthu omwe akhudzidwa (madalaivala awiri). Muyeneranso kunyamula ndalama zosachepera $10,000 ngati katundu wawonongeka.

• Inshuwaransi yoyendetsa galimoto yopanda inshuwaransi imalipira ndalama zachipatala kupitirira chitetezo chanu chovulala ngati mutachita ngozi ndi woyendetsa galimoto wopanda inshuwaransi. Ndalama zochepa zomwe zimafunikira pa inshuwaransi ya oyendetsa magalimoto osatetezedwa ndi $50,000.

Izi zikutanthauza kuti kuchuluka kwa inshuwaransi yovomerezeka yoyendetsa aliyense ku Minnesota ndi $160,000.

Mitundu ina ya inshuwaransi

Ngakhale Minnesota safuna mitundu ina ya inshuwaransi, mutha kuganizira zachitetezo chowonjezera pakagwa ngozi. Izi zikuphatikizapo:

• Inshuwaransi yogundana kuti mulipire kuwonongeka kwa galimoto yanu pangozi.

• Kuphimba kwathunthu kuti mulipire kuwonongeka kopanda ngozi kwagalimoto yanu.

• Kubwereketsa kuti kulipirire mtengo wa renti yofunikira.

Minnesota car insurance plan

Makampani onse a inshuwaransi ku Minnesota akhoza kukana kuperekedwa kwa madalaivala omwe ali pachiwopsezo chachikulu. Kuti madalaivalawa apeze chithandizo chalamulo chomwe akufuna, atha kulumikizana ndi omwe asankhidwa kuti apereke inshuwaransi kudzera mu Minnesota Motor Insurance Plan kapena MNAIP. Ngakhale makampani omwe adakana kale kuperekedwa kwa madalaivala ena ayenera kupereka chithandizo pansi pa Minnesota Automobile Insurance Plan.

umboni wa inshuwaransi

Dalaivala aliyense woyendetsa galimoto ku Minnesota ayenera kukhala ndi satifiketi ya inshuwaransi nthawi zonse. Muyenera kuwonetsa umboni wa inshuwaransi kwa wogwira ntchito pazamalamulo mukapempha. Mudzafunikanso inshuwaransi kuti mulembetse galimoto yanu.

Mitundu yovomerezeka ya umboni wa inshuwaransi ndi:

• Khadi la inshuwaransi yochokera ku kampani ya inshuwaransi yovomerezeka

• Kopi ya inshuwalansi yanu

• Kalata yochokera kukampani yanu ya inshuwaransi

Kuti mulembetse galimoto kapena kulembetsanso kalembera wanu, satifiketi yanu ya inshuwaransi iyenera kukhala ndi izi:

• Dzina la kampani ya inshuwaransi

• Nambala ya inshuwaransi

• Nthawi yovomerezeka ya ndondomeko

Zilango zophwanya malamulo

Ngati mulibe inshuwaransi yoyenera ku Minnesota, mutha kulandila chimodzi mwazilango izi:

• Mawu olakwika

• Nthawi yotheka kundende

• Kuyimitsidwa kwa chilolezo choyendetsa galimoto

• Kuyimitsidwa kwa kulembetsa galimoto

• $30 chindapusa chopatsanso chilolezo

Kuti mumve zambiri, funsani a Minnesota Department of Public Safety's Division of Driver and Vehicle Services kudzera patsamba lawo.