Imali yoLuntu yeMangalo yeMangali

Imibuzo eqhelekileyo yeCCACA

Ukuba loo nto ikhona njengendawo enhle yokulimala kwimoto yengozi, iMichigan yiyo. UMichigan unobungozi obuhle kakhulu kwizonyango e-United States xa kuziwa kwiingozi zeemoto. Umqhubi ngamnye waseMichigan uhlawula imali yaseMichigan yokubambisa imirhumo, ebizwa ngokuba yi-MCCA. Abemi abaninzi abazi ukuba yintoni umrhumo we-MCCA okanye owufihlayo.

Abashayeli baseMichigan bahlala bekhangelelana nomgaqo-nkqubo wabo ukuba baqaphele i-chunk enkulu ye-premium yabo ye-inshurensi eya kwi-MCCA.

Inkonzo yokugonywa kwelaseMichigan yomntu olimele kwingozi yemoto ayinomkhawulo. Akukho cap, uncedo olungapheliyo lwezonyango ngaphandle kweendleko. Kubantu abalimala kakhulu kubandakanya konke ukuhlaziywa, ukunyamekelwa ekhaya, nokufaka indlu yabo yokukhubazeka. Njengoko unokucinga, indleko ingaba yenkwenkwezi ngokukodwa xa umntu efumana umonakalo ongenakulinganiswa xa eselula.

Imbali emfutshane yeeMali zoTyala zeMCCA zangaphambili

• NgoJulayi 1, 2017 ukuya kuJuni 30, 2018 = $ 170 ngemoto
• Julayi 1, 2016 ukuya kuJuni 30, 2017 = $ 160 ngemoto
• NgoJulayi 1, 2015 ukuya kuJuni 30, 2016 = $ 150 ngemoto
• Julayi 1, 2014 ukuya kuJuni 30, 2015 = $ 186 ngemoto
• NgoJulayi 1, 2013 ukuya kuJuni 30, 2014 = $ 186 ngemoto

Izikhokelo zeNkcazo zeMangca eMichigan

• Zonke iibango zonyango zihlawulwa nge- auto yakho yomshuwalense wemigaqo-nkqubo .
• Inqwelo ye-inshurensi yemoto ibangela i-$ 545,000 yokuqala kwiindleko zonyango.
• I-MCCA ihlawula nantoni na ngaphezulu nangaphezulu kwe-545,000.
• Ukuphumelela kukaJulayi 2017 umrhumo we-MCCA u-$ 170 ngesithuthi ngasinye ngonyaka.

• Imali ye-MCCA isebenza kuzo zombini iimoto kunye nezithuthuthu.

Iinkampani ezininzi ze-inshorensi zihlukanisa i -MCCA esetyenziswayo kubaqhubi beMichigan. Kuqhelekileyo kumaphepha okuvakalisa ukuhlawula iindleko ezithe zahlawulwa ngumthengisi wakho womshuwalense uze ungeze imali ye-MCCA ngokwahlukileyo. Ingakumbi xa unemoto emininzi kumgaqo-nkqubo, umrhumo we-MCCA ungabiza kakhulu.

Umzekelo:

Cinga ukuba unentsapho yabaqhubi abane kwaye uqinisekisa iinqwelo ezinhlanu ngonyaka. Imali yakho yeenyanga ye-MCCA yayiza kuba i-$ 425 epheleleyo izisa imali yakho yonyaka ukuya kuma-850 ayi-$ 50. Yonke imali iya ngqo kwingxowa-mali ebandakanya ukulimala kwezimoto ezinobungozi. UMichigan nguye kuphela ummandla e-US ukuba anikezelwe ngokukhawuleza ngezobisi zezithuthi zemoto.

Izinzuzo zeMCCA

Ngaphandle kweendleko eziphezulu, i-MCCA inenzuzo. Abasindileyo be-Crash kunye nentsapho yabo inenzuzo enkulu kwiinkcazo zonyango ezingenamkhawulo ezinikezelwa yi-MCCA. Ingozi enkulu yemoto ayikwazi nje ukukhubaza intsapho ngokwasemzimbeni nangokwemvakalelo kodwa nangokwezimali. Ukuba ubanjwe kule meko, imithetho kaMichigan yemoto ingenza umehluko omkhulu endleleni yakho yobomi.

Impikiswano ejikeleze iMicrosoft Medical Unlimited Coverage

Njengokuba kukho iinkqubo ezininzi karhulumente iingxabano eziphantse zilandela. Amathuba okuba yingozi kwimoto yengozi yemoto ayincinci kubaqhubi abaninzi. Akukho mntu uthanda ukunyanzeliswa ukuhlawula into ayayize ayifunwe. Amawaka eenkulungwane zabantu baye bazuza ngokusasazeka kwezokwelapha eMichigan ngaphezu kweminyaka, nangona kunjalo, izigidi zabantu ziye zahlawula. Ukuba ngumbuso wodwa kunye nomthetho ubonisa ukugxeka okukhulu.

Abameli belizwe bazama ukuvuselela umthetho ukuze abahlali baseMichigan bakwazi ukukhetha inani lokuthengwa kwabo bathenga iindinyana zokufumana uncedo olungenamkhawulo olufunekayo kwangoku. Ukubeka umda kwi-medical coverage kunokusindisa abaqhubi baseMichigan imali eninzi.

Ingaba i-MCCA Fee Ishintsho phakathi koThuthi?

Ukuba ungumtsha eMichigan okanye unikeza inshuwalense yakho yaseMichigan ukujonga ngokuthe kratya, ungamangalisi ukubona imali ye-MCCA ibhalwe kwisithuthi ngasinye. Akunandaba nokuba yiyiphi i-inshurensi oyikhethayo, iindleko zombuso ezibiza. Nangona kunjalo, abathwala i-inshorensi bavame ukuhlawula iifizi zomthetho ukuba bahlawule iindleko zokusingatha umthengi wokuhlawula i-MCCA. Imirhumo yezomthetho inokuvela kwiiyure ezimbini ukuya kutsho kwiidola ezili-10 ngemoto. Xa kuthelekiswa iingcaphuno ze-inshurensi eziphethe eMichigan, kukulungele ukujonga iindleko ezipheleleyo kwaye ungakhathazeki malunga nokuba ngubani ohlawula umrhumo osemthethweni.