Ummandla weMichigan Minimum Limits of Liability
Imida emininzi yemithwalo yemigangatho emiselweyo eMichigan isetyenziselwa ukulimala emzimbeni kuma-20,000 ngama-ngamnye umntu ukuya kuma-40,000 wamawaka ngeengozi.
U-R10 000 ubuncinane ubunobungozi bomhlaba. Eminye i-9 kuphela ivumela ukuba imida engaphantsi yemfanelo.
I-PIP, ukuVikelwa koKhuseleko lwaBantu, inxalenye yonyango yomgaqo-nkqubo waseMichigan ukuba inkampani yomshuwalense yomshuwalense inoxanduva. EMichigan, abathwali bomshuwalense banembopheleleko yokuhlawula unyango lwezonyango ukuya kuma-$ 500,000. Imigaqo-nkqubo ye-inshurensi yemoto yaseMichigan ineamaqondo ahlukeneyo e-PIP.
- Ukulungelelaniswa neendlela zonyango yakho yinshurensi yezempilo eyona nto iya kunceda ukugubungela iindleko zokulimala kwingozi yemoto. Ukuba ne-inshorensi yempilo eyimpilo kumqeshi iya kunceda ukunciphisa indleko yomshuwalense womshuwalense. Nantoni na eyona nto ephambili ayifuni, i-inshurensi yakho iya kuthatha intsalela. Akukho Medicaid okanye Medicare abafanelekile ukufumana unyango olulungelelanisiweyo kuba abayi kuhlawula ngenxa yengozi yonyango ngenxa yengozi yemoto.
- Ukulungelelaniswa nokulahlekelwa kwengeniso kuya kuhlawula umvuzo wakho ngaphezu kwe-inshorensi yakho yonyango. Ngoko ukuba ukukhubazeka kwakho ngokubambisa umqeshi kungama-60%, umgaqo-nkqubo wakho womshuwalense wemoto uza kubhalela i-40% esele ukuze ufumane inzuzo yakho epheleleyo ngelixa ukhubazekile.
- Ukulungelelaniswa kokubili ukulahlekelwa yonyango kunye nokulahlekelwa kwengeniso kubandakanya zombini unyango kunye nokulahlekelwa kwemali engeniswe apha ngasentla.
- Iindlela zonyango ezipheleleyo i- inshurensi yakho iya kuhlawula zonke iindleko zonyango. Ukuxhaswa ngokugqithiseleyo kwezokwelapha kukugqithisa ngokukodwa ngokuphathelele unyango olulungelelanisiweyo kuba inkampani ye-inshorensi iya kuba yimbopheleleko kuphela kwiimali zakho zonyango xa unobungozi kwisithuthi. Iideductibles zidla ngokuzikhethela kwiinkcazo zonyango. Ukuba ukhetha i-deductible, uya kuba noxanduva lokuhlawula ngexesha lokulahleka.
Inkonzo Yokhuseleko Intshuwalense, i-PPI
Bonke abashayeli baseMichigan kufuneka baphathe i-1,000,000 yokukhutshwa komonakalo wepropati. Kwiinkoliso ezininzi, umonakalo wepropati yakho yomonakalo ulandelwe njengenani lesithathu kwimingcele yemfanelo. Uhlolo lwe-20 / 40/10 luza kufikelela kwi-R10 000 yokukhutshwa komonakalo wepropati.
Umgaqo-nkqubo we-inshurensi yemoto yaseMichigan ubonisa uluhlu oluncinane lomonakalo wepropati, nangona kunjalo, lusebenza kuphela kumabango karhulumente . Nayiphi na umonakalo wepropati owenzeka kummandla waseMichigan uhlanganiswe phantsi kwenkcazo ehlukeneyo ebizwa ngokuba yinshurensi yokukhusela ipropati okanye i-PPI ngokufutshane. Ngoko ukuba ungumhlali waseMichigan kwaye ugxotha ngaphandle kwimeko karhulumente, qiniseka ukuba ukwandisa umda wecala lomhlaba umonakalo ukwenzela ukuba unokuqiniseka ukuba unako ukukhutshwa okwaneleyo.
MCCA
Bonke abashayeli base-Michigan bangoo-insured bayafuneka ukuba bahlawule umrhumo woMbutho weeMangalo eMangeni . Intlawulo iyingqayizivele eMichigan kwaye iqinisekisa ukuba bonke abaqhubi abaxhasiweyo baya kuba ne-medical unlimited coverage xa bengozi kwingozi yemoto. Iimoto ezizimeleyo kuphela ezifunwayo ukuba zibe ne-MCCA intlawulo zezithuthi ezigcinwe ngokukhawulelana okubanzi oludweliswe kwipolisi.
Umlinganiselo ongakhethayo
- Uncedured and Motor Assuredured
- Ukulimala kwePropati
- Epheleleyo
Izigwebo ezingekho Ubungqina bomshuwalense eMichigan
Njengokuba kunjalo ngoku, iMichigan ayinayo inkqubo yokuzenzekelayo kwindawo yokulandelela abaqhubi abangaqinisekanga. Ubungqina obufunekayo ngexesha lokuvuselela ukubhaliswa kwakho kwaye kuyadingeka kwimoto yakho ngamaxesha onke. Ukungaphumeleli ukubonelela ubungqina bomshuwalense kwipolisa kunokubangela izihlwayo.
- Ilayisensi yakho inokumiselwa
- Iphepha lelayisenisi yakho ayiyi kuphinda ihlaziywe, idluliselwe, okanye ithathe indawo
- I-$ 50 eyiyo kwaye mhlawumbi ezinye iimali ezifunekayo ngumthetho
- Iphayisenisi yakho yelayisenisi inokukhanselwa
Ukwazi iMicrosoft yemfuno yomshuwalense wemoto yinqanaba lokuqala lokuba ngumqhubi ovumelekileyo ngokomthetho kunye nomqhubi . Kubalulekile ukuba ungayiqondi kuphela into ekufunwa ngayo kodwa ukuba isebenza njani. UMichigan ayikho iphoso kwaye kwaye unemithetho ekhethekileyo. Gxuma kwimithetho yakho yomshuwalense yemichila yaseMichigan ngaphambi kokuya ezindleleni ukuqinisekisa ukuba umgaqo-nkqubo wakho usebenza kuwe kwaye akusiyo nxamnye nawe.