Zofunikira za inshuwaransi polembetsa galimoto ku Missouri

Lamulo la Missouri limanena kuti eni magalimoto onse amayenera kukhala ndi inshuwaransi yamagalimoto kapena "ndalama zandalama" kuti azitha kuyendetsa galimoto movomerezeka.

Zofunikira zochepa zachuma ku Missouri kwa madalaivala ndi izi:

• Ochepera $25,000 pa munthu aliyense chifukwa chovulala kapena kufa. Izi zikutanthauza kuti muyenera kukhala ndi ndalama zosachepera $50,000 ndi inu kuti mukwaniritse anthu ochepa omwe achita ngozi (madalaivala awiri).

• Ochepera $10,000 pazavuto zowononga katundu

• Ochepera $25,000 pa munthu aliyense woyendetsa galimoto wopanda inshuwaransi. Izi zikutanthauza kuti mudzafunika ndalama zokwana madola 50,000 kuti mupeze chiwerengero chochepa cha anthu omwe akhudzidwa ndi ngoziyi (madalaivala awiri).

Izi zikutanthauza kuti ngongole yochepera yochepera yomwe mungafune ndi $110,000 pakuvulaza thupi komanso kuwonongeka kwa katundu.

Mitundu ina ya udindo wachuma

Madalaivala ambiri ku Missouri amalipira mapulani a inshuwaransi kuti athe kubweza ngongole zoyendetsera galimoto, koma boma limazindikiranso njira zingapo zopezera ndalama. Njirazi zikuphatikizapo:

• Zomangira zotsimikizika

• Zogulitsa nyumba

• Zosungira ndalama

• Zikalata zodzipangira inshuwaransi, zamabizinesi ndi mabungwe azipembedzo

Missouri Auto Insurance Plan

Ngati ndinu dalaivala yemwe ali pachiwopsezo chachikulu, makampani a inshuwaransi ali ndi ufulu wokana kuperekedwa. Pamenepa, State of Missouri imakhalabe ndi Missouri Auto Insurance Program kuti iwonetsetse kuti madalaivala onse ali ndi inshuwaransi yofunikira. Pansi pa pulani iyi, mutha kulembetsa inshuwaransi kudzera ku kampani iliyonse yovomerezeka ya inshuwaransi.

umboni wa inshuwaransi

Madalaivala aku Missouri amayenera kunyamula chiphaso cha inshuwaransi m'magalimoto awo nthawi zonse. Ngati mulibe inshuwaransi pamene wapolisi akufunsani, mutha kupatsidwa tikiti yapamsewu. Mukalembetsa galimoto, muyeneranso kukhala ndi satifiketi ya inshuwaransi.

Mitundu yovomerezeka ya umboni wa inshuwaransi ndi:

• ID ya inshuwaransi yochokera ku kampani ya inshuwaransi yovomerezeka

• Chithunzi cha khadi lanu la inshuwaransi pa foni yanu yam'manja kapena chipangizo china chamagetsi

• Chikalata cha SR-22 Proof of Financial Responsibility, chomwe ndi umboni kuti mukukwaniritsa zofunikira zamalamulo za inshuwaransi. Izi nthawi zambiri zimangofunika kwa madalaivala omwe kale anali ndi mlandu woyendetsa galimoto ataledzera kapena kuyendetsa mosasamala.

• Satifiketi kapena zolembedwa zamalamulo zochokera ku dipatimenti yowona za ndalama zochitira umboni za inshuwaransi yanu kapena umboni wa kusungitsa ndalama kapena bondi yomwe imagwiritsidwa ntchito poteteza mangawa azachuma.

Zilango zophwanya malamulo

Boma la Missouri lili ndi zilango zingapo zomwe zimagwira ntchito kwa iwo omwe akuphwanya inshuwaransi:

• Kuyimitsidwa kwa layisensi yoyendetsa ndi kulembetsa galimoto kwa nthawi ya masiku 90 mpaka chaka chimodzi

• Malipiro obwezeretsa omwe amayamba pa $20 kwa nthawi yoyamba; $200 kope lachiwiri; ndi $400 kwa makope owonjezera

• Kulemba kofunikira kwa SR-22 mkati mwa zaka zitatu zikubwerazi

Ngati simungathe kutsimikizira kuti muli ndi inshuwaransi mukakokedwa ndi wapolisi, mutha kulandiranso chindapusa chotsatirachi:

• Mfundo zinayi pa rekodi yanu yoyendetsa ku Missouri

• Dongosolo loyang'anira, kutanthauza kuti inshuwaransi yanu imayang'aniridwa ndi Bungwe la Driver's License Bureau.

Kuti mudziwe zambiri, funsani a Missouri Department of Revenue kudzera pa webusayiti yawo.