Zofunikira za inshuwaransi polembetsa galimoto ku West Virginia
Madalaivala onse ku West Virginia akuyenera kukhala ndi inshuwaransi yocheperako kapena "ndalama zandalama" kuti athe kuyendetsa galimoto mwalamulo pamisewu ya West Virginia.
Zofunikira zochepa pazachuma kwa oyendetsa ku West Virginia ndi motere:
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 $25,000 pazavuto zowononga katundu
Izi zikutanthauza kuti ndalama zonse zomwe mungafune ndi $75,000 kuti muteteze kuvulala kapena kufa, komanso kuwononga katundu.
Kuphatikiza apo, madalaivala onse aku West Virginia akuyenera kukhala ndi inshuwaransi yoyendetsa galimoto yopanda inshuwaransi pa inshuwaransi yawo yaying'ono yofanana ndi inshuwaransi yocheperako ($75,000). Komabe, ngakhale zochepa izi ndizomwe zimafunikira kwa madalaivala, makampani a inshuwaransi akuyenera kukupatsani malire awa kwa woyendetsa wopanda inshuwaransi:
Ndalama zosachepera $100,000 pa munthu aliyense atavulala kapena kufa komanso ndalama zosachepera $300,000 zolipira kuvulala kapena kufa.
Osachepera $50,000 pakuwononga katundu
Madalaivala aku West Virginia atha kungovomereza zocheperako zomwe zimaperekedwa kwa oyendetsa magalimoto opanda inshuwaransi kuti achepetse mtengo wamalipiro a inshuwaransi.
umboni wa inshuwaransi
Muyenera kukhala ndi chikalata cha inshuwaransi m'galimoto yanu mukuyendetsa galimoto chifukwa muyenera kuchipereka panthawi yoyimitsa magalimoto kapena pamalo angozi. Mukalembetsa galimoto, muyeneranso kukhala ndi satifiketi ya inshuwaransi. Umboni wovomerezeka wa inshuwaransi ku West Virginia ndi satifiketi ya inshuwaransi kapena fomu ya WV-1 yoperekedwa ndi kampani ya inshuwaransi. Fomu iyi iyenera kukhala ndi nambala ya kampani ya inshuwaransi ya National Association of Insurance Commissioners.
West Virginia imagwiritsa ntchito makina owunikira zamagetsi kuti awone momwe inshuwaransi yagalimoto iliyonse ilili. Ndi dongosololi, simuyenera kukhala ndi WV-1 kuti mukonzenso kulembetsa kwanu ku West Virginia.
Zilango zophwanya malamulo
Pali mitundu ingapo ya zindapusa zomwe oyendetsa ku West Virginia angakumane nazo ngati atapezeka kuti ali ndi mlandu wophwanya inshuwaransi. Izi zikuphatikizapo:
Kuyimitsidwa kwa kulembetsa galimoto komwe kungabwezeretsedwe kokha polipira chindapusa cha $ 100 ndikupereka umboni wa inshuwaransi.
Kuyimitsidwa kwa mbale zamalayisensi zamagalimoto zomwe zitha kubwezeretsedwanso polipira ndalama zokwana $50.
Kuyimitsidwa kwa laisensi yoyendetsa galimoto yomwe ingabwezeretsedwe polipira ndalama zokwana madola 50 pakatha nthawi yoyimitsidwa.
Kupereka zidziwitso zabodza za inshuwaransi kwa wogwira ntchito zamalamulo kapena dipatimenti yamagalimoto ku West Virginia kungabweretse zilango zotsatirazi:
Kutayika kwa chilolezo choyendetsa galimoto mpaka masiku 90
Kukumbukira galimoto
Chindapusa chachikulu ndi $1,000.
Chilango chotheka cha chaka chimodzi m'ndende
Kuti mumve zambiri kapena kukonzanso kalembera wanu pa intaneti, funsani a West Virginia Department of Motor Vehicles kudzera patsamba lawo.
