Zofunikira za inshuwaransi polembetsa galimoto ku New York

Magalimoto onse olembetsedwa ku New York ayenera kukhala ndi mitundu ingapo ya inshuwaransi yamagalimoto kuti athe kuyendetsa galimoto m'misewu. Ndalama zochepa zomwe zimaperekedwa ndi izi:

• Zochepera $25,000 zovulaza munthu aliyense; izi zikutanthauza kuti muyenera kunyamula osachepera $50,000 ndi inu kwa ochepa zotheka chiwerengero cha anthu anachita ngozi (madalaivala awiri).

• Ndalama zosachepera $ 50,000 pa imfa ya munthu mmodzi, zomwe zikutanthauza kuti mudzafunika kunyamula ndalama zokwana madola 100,000 kwa anthu ochepa kwambiri omwe angamwalire pangozi (madalaivala awiri).

• Ochepera $10,000 pazavuto zowononga katundu

• Ndalama zosachepera $50,000 za inshuwaransi yagalimoto yopanda vuto yomwe imalipira ngongole zanu zachipatala pakachitika ngozi, mosasamala kanthu kuti ndi ndani yemwe ali ndi vuto.

• Ndalama zosachepera $ 25,000 pa munthu aliyense yemwe ali ndi Inshuwaransi Yopanda Inshuwaransi Yopanda Inshuwaransi, yomwe imaphimba kuvulala kobwera chifukwa cha ngozi yagalimoto yokhudzana ndi dalaivala wopanda inshuwaransi. Izi zikutanthauza kuti mufunika ndalama zosachepera $ 50,000 kuti mupeze anthu ochepa omwe avulala pangozi yagalimoto (madalaivala awiri).

Izi zikutanthauza kuti ndalama zonse zomwe mungafune ndi $260,000 pakuvulala kwanu, kufa, inshuwaransi yopanda vuto, kutetezedwa kwa oyendetsa galimoto, komanso kuwononga katundu.

• Lamulo la New York limalolanso kugulidwa kwa inshuwaransi yowonjezereka kwa oyendetsa galimoto opanda inshuwaransi kapena opanda inshuwaransi yochepa mpaka $250,000 pa munthu aliyense ndi $500,000 pa ngozi iliyonse.

umboni wa inshuwaransi

Mukalembetsa galimoto yanu ku New York City Department of Motor Vehicles, muyenera kupereka umboni wa inshuwaransi. Khadi la inshuwaransi yoperekedwa kwa inu ndi kampani ya inshuwaransi ndi umboni wovomerezeka wa inshuwaransi ndipo imafunikanso kuyimitsa magalimoto kapena kuwawonetsa akuluakulu pamalo pomwe pachitika ngozi.

Khadi ili siligwiritsidwa ntchito ngati chikalata chothandizira, koma ngati umboni wa inshuwaransi. Kuti mutsimikizire inshuwaransi yanu, New York DMV idzagwiritsa ntchito nkhokwe yamagetsi yomwe ndi yaposachedwa ndi inshuwaransi yamagalimoto onse olembetsedwa m'boma.

Zilango zophwanya malamulo

Kulembetsa kwanu kwagalimoto ndi laisensi yoyendetsa zitha kuyimitsidwa mpaka kalekale pamilandu iyi:

• Ngati mulibe inshuwaransi yagalimoto ndikugwidwa mukuyendetsa misewu ya New York

• Ngati inshuwaransi yagalimoto yanu yakhala yovomerezeka kwa masiku opitilira 91 ndipo simunatumize manambala anu panthawiyo

Ndalama zokwana $100 ziyenera kulipidwa kuti mubwezeretse chiphaso chanu choyendetsa.

Zindapusa zowonjezera zitha kuperekedwa ngati inshuwaransi yagalimoto yanu yatha. Izi zikuphatikizapo:

• $ 8 kwa masiku 30 oyambirira

• $ 10 patsiku kuyambira masiku 31 mpaka 60.

• $ 12 patsiku kuyambira masiku 61 mpaka 90.

Kuti mudziwe zambiri kapena kulembetsa kulembetsa magalimoto pa intaneti, funsani a New York City Department of Motor Vehicles kudzera pa webusayiti yawo.