Khawubhekisise oko uphakanyisayo.
I-Colorado State Minimum Coverage
Ubuncinci obufunwa nguRhulumente waseColorado ngowama-25 / 50/15. Ukufikelela kuma-25,000 amawaka angakhokhelwa ngumntu ngamnye, ukuya kuma-$ 50,000 ngengozi yomonakalo emzimbeni, uze ufike kuma-15,000 we-$. Kudideka ukuzama ukuqonda imida yemfanelo ukuba intsha kuwe. Kukho ukukhusela xa ukhuphaza umntu okanye wenza umonakalo kwipropati yomnye umntu. Izingozi zeenqwelo zithuthi zingabangela umonakalo omkhulu kwaye ubiza kakhulu, kwaye i- minimum cover coverage ayinelanga. Kunconywa imiqathango ye-100/300/100.
Izigwebo zeNtsholongwane yemoto yaseColorado
Ezi zihlwayo zikwabo bantu abangenayo i-inshurensi yemoto yangoku. Ngokuqhelekileyo, ukuba ungenayo ubungqina bakho bomshuwalense kwimoto yakho, kodwa unomsebenzi okhuselekileyo, igosa lombutho liyakwazi ukulijonga kwiziko lomshuwalense. Kunokwenzeka ukuba usenokufumana ithikithi uze uhlelwe ukuba uvele enkundleni ngenxa yokuba ungenayo ubungqina obufunekayo bhorensi egcinwe kwisithuthi.
Ukuba ngenxa yesizathu esithile, i-inshurensi yemoto yakho ayizange ibhengezwe kwiCandelo leZithuthi zeMoto kufuneka ufumane ubungqina obunokubhengezwa ngalo mhla uhlawuliswa kungekho bungqina bomshuwalense. Ilayisenisi yakho yomqhubi iya kumiswa ide ufumane ubungqina.
- Amanqaku amane kwilayisenisi yakho yokuqhuba. Ukuba ufumanisa amaphupha angama-12 kwiinyanga ezili-12 kwimeko yaseColorado, ilayisenisi yakho yomqhubi iya kumiswa .
- Intlawulo engaphantsi kwama-$ 500 ngethuba lokuqala xa ubanjwa ngokuqhuba umshayeli ngaphandle kwe-inshurensi yemoto kwaye ilayisenisi yakho yomqhubi iya kumiswa unokubonisa ubungqina bokuba uthenge ukuthenga okufanelekileyo.
- Intlawulo engaphantsi kwee-$ 1,000 ngelixa lesibini usibanjwa kwaye ucwangcise ukumiselwa kwelayisenisi yeenyanga ezi-ezine.
- Intlawulo engaphantsi kwee-$ 1,000 yebanjwa lesithathu usibanjwe kwaye ilayisenisi yakho yomqhubi iya kumiswa kweenyanga ezisibhozo.
- Inkonzo yoluntu iphindwe rhoqo kwiihlwayo ukuya kwiiyure ezingama-40 ezifanelekileyo.
Ukuthathwa Ngaphandle Kwemoto Yomshuwalense Ngethuba Ukuqhuba I-Car Motos
Naliphi na ixesha xa ususwe ngepolisa, kufuneka ukuba ubonise ubungqina bomshuwalense wemoto , nokuba akuyena imoto yakho. Ekubeni ungumqhubi, kuyisensifiketi sakho somqhubi onokumiswa. Kukulungele ukubuza umhlobo wakho okanye ilungu lentsapho malunga ne-inshurensi yemoto ngaphambi kokuyithatha idrayivu. Ngokuqinisekileyo, kuya kuba mnandi ukuba umhlobo wakho ahlawule iifizi zivela kwimoto yazo, kodwa ekugqibeleni kukuxanduva lwakho. Iingcebiso ezilungileyo, musa ukuqhuba nayiphi na imoto ngaphandle kwomshuwalense wemoto.
Kwimeko yeNqwelo yeMoto engekho Inqwelo-mali ye-Car
Ngokuqinisekileyo musa ukugijima. Uninzi lweentlanzi kunye neengozi zengozi ngenxa yokuba abantu abanalo i-inshurensi yemoto efanelekileyo. Ukuba ubanjwe ushiya indawo yengozi, unokujamelana nexesha lokubanjwa.
Ukuba uphosakele ngengozi, uya kubanjelwa uqobo lwakho ngomonakalo. Ukuba awukho iphoso kwaye ungenayo i-inshuwalense yemoto, awuyi kuhlawulwa umonakalo kwisithuthi sakho. Ukungena engozini yemoto kungekho-inshuwalense yemoto akuyiyo imeko efanelekileyo ukuba ibe nayo, nangona ukuzama ukubaleka ngaphandle kokubanjwa ngokuqinisekileyo kukubeka engozini yokwenza imeko ibe nzima nakakhulu.
Ilayisenisi ehleliweyo
Ilayisenisi enqunyanyisiweyo iyaqhelekileyo ukuba ubanjwa ngokuqhuba ngaphandle kwe-inshurensi yemoto. Lindela ukuhlawula umrhumo wokubuyisela ilayisensi yakho xa ixesha lakho lokulinda liphelile. Uzakufuna kwakhona ukuthenga i-inshurensi yemoto ngefayile ye- SR 22 . Ukufakelwa kwe-SR 22 kuya kwenza ukuba i-inshurensi yemoto yakho iqinisekise ukuba umgaqo-nkqubo wakho usebenza, ngokuqhelekileyo kuyadingeka iminyaka engama-3. Iifayile ze-SR 22 zingasetyenziselwa lula nge-inshurensi yemoto yomshuwalense.
Abantu abaninzi bacinga ukuba basindisa imali ngokuqhuba ngaphandle kwe-inshurensi yemoto. Ukuba izigwebo zelizwe aziwanelanga ukukhupha abaqhubi abangaxhaswanga, ingozi yengozi iya kuba. Iingozi ziyakwenzeka nanini na naphi na. Indlela yodwa yokulungiselela enye kukuthenga i-inshurensi yemoto.