Ukulimala kwePropati yeMpahla kaMasipala waseMichigan
Abaqhubi Abaqhubi
Ibango le-mini lokumangalelwa lilungelo lakho emva kokubandakanyeka kwintlintlwano apho ubonwa ngaphantsi kwama-50 ekhulwini kwiiphene . Ibango elincinci lokumangalelwa lingafakwa kuphela ngumqhubi wokuqhuba umqhubi kummandla waseMichigan . Ezi zithintelo zilandelayo ziyasebenza.
- Isithuthi esithunyelwa ngumntu ongeyena kumqhubi wesiphoso kufuneka sonakaliswe ngokomzimba.
- Isithuthi esithunyelwa ngumntu ongeyena kumqhubi wesiphoso kufuneka siqinisekiswe.
- Umqhubi we-fault-fault must be known. Ukuba akukho mqhubi wesiphoshosi uhlaselwe kwaye umqhubi we-fault-runs ugijima, akukho nkonzo ihlinzekwa yinto encinci ngenxa yokubhengezwa kwezaziso ezivela kwi-inshorensi yemoto yomshuwalense wemoto.
- Isithuthi esiqinisekisiwe asikho ukukhawulelana kwintlupheko echazwe kwi- inshurensi yemoto yomshuwalense .
- Isithuthi esiqinisekisiwe sidibanisa ngokuqhelekileyo esifuna i- deductible , ebhalwe kwi-inshurensi yemoto yomshuwalense.
Umzekelo: uJulie wayephelile ngesinye isithuthi, u- PLPD ubhalwe kuphela kwi-inshorensi yakhe. Ukulimala kwesithuthi sakhe kuninzi.
Unako ukufaka ibango elincinci lokumangalela ngomnye umqhubi ngenxa yokuba wayengenanto ephosakeleyo kwaye akanakho ukukhawulelana ngokubambisana kwimigaqo yomshuwalense wemoto yakhe. Ukubhengezwa okubonelelwa ngamabango amanyathelo okutshutshisa amancinci kakhulu. Khangela ezi zithintelo xa ufaka isimangalo se-mini.
- Ukuhlawula imali eyi-$ 1000 yinto eninzi yokuhlawulwa phantsi komthetho wokutshatyalaliswa kweminye.
- Ibango elincinci lokumangalelwa alinakwandisa nayiphi na ingxelo yokulimala. UMichigan unenkcazo eyahlukeneyo ebizwa ngokuba yokhuseleko lokuzilimala komntu kwimigaqo- inshorensi yemoto ngokukodwa ngokulimala.
- I-mini tort igubungela umonakalo kwisithuthi, ngoko ayiyi kusebenza kwi-medical deductible.
- Ukufumana ibango elipheleleyo le-$ 1000 elincinci, kufuneka unikeze uqikelelo lwezitolo zomzimba. Uqikelelo kufuneka lubonise i-$ 1000 kwimonakalo okanye ngaphezulu.
Umzekelo oqhubekileyo: Nangona umonakalo wawubanzi kwiimoto zikaJulie, ngokwemithetho kaMichigan, ininzi imali ayenako ukuyibuyisela i-$ 1000 nge-quote mini.
Abaqhubi beeNtsholongwane
Umonakalo wepropati omncinci ukhusela wena ngokumalunga nesibango samatyala amancinci. Inika i-$ 1000 ukuhlawula okukhawulezileyo kwipropati yesonakalo kwesinye isithuthi emva kokuxabana. Ngokude nje ngokuba unomgaqo-nkqubo osesikhorensi osebenzayo kunye nomonakalo onomda ongezantsi, awukwazi ukuhlawuliswa ngemonakalo yesithuthi somnye umntu emva kokungqubana kwimeko yaseMichigan. Iphulo elincinane lihlehla libe ngamagatya amathathu ngenxa yomqhubi we-insured kummandla waseMichigan.
- Ilungelo lokulwa kunye nesithuthi
- Ukuhlawula i-$ 1000 ngaphantsi komonakalo owenziwe umda
- Akukho ductible esebenzayo
Abaqhubi beeNkohlakalo ezingenaNtsholongwane
Umqhubi ongeyena mkhuseli akanakho ukhuselo kwiimangalo zamatyala amancinci.
Umthetho uyahlukileyo kubaqhubi abangekho ngogesi, ngenxa yokuba kunokwenzeka ukuba ulandelwe umyinge opheleleyo wonakalo owenziwe kwesinye isithuthi ngokuxabana. Umda we-1000 wemali awusebenzi kumqhubi ongenakunqunyelwayo kummandla waseMichigan.
Umthetho kaMichigan ongekho-mthetho usenza isigqibo esinzima ukususa ukukhawulelana kwe-collision kwipolisi yomshuwalense wemoto. Ngaphandle kokubambisana, umqhubi waseMichigan angafumana i-$ 1000 kuphela xa edibene. Kuyaxhalaba ngabaqhubi abaninzi kuba unokulawula kuphela izenzo zakho. Amanyathelo amaninzi amanye aqhubi angenakunqandwa. Inkohlakalo encinane inceda ngengozi ethile ; Nangona kunjalo, ngokuqhelekileyo akusondeli ukulungisa yonke imonakalo yabaqhubi ngaphandle kokungqubana kwemoto kwizithuthi zabo.