Ukuqonda iimfuno ze-Car Insurance Minimum

Uludwe lweSizwe-nge-State List of Minimum Car Insurance

Ziziphi iimfuno zomshuwalense weeNqwelo eziNcinane?

Iimfuno ze- inshorensi ezisemgangathweni ziyimfuneko yomshuwalense wemoto kwilizwe ngalinye, ngokomthetho kubahlali bawo. Ezi mfuno ezisisiseko kwilizwe ngalinye zifumaneka kwiwebhusayithi yomshuwalense we-inshurensi yomhlaba , sibafake apha ngokubhekiselele lula, jonga nje ukuya kwimeko yakho uze uyihlole.

Njengoko uhla uluhlu, uya kuphawula ukuba ukuqhuba ngaphandle kwe-inshorensi akukho mthethweni phantse kuwo onke amazwe, ngoko ukuba unayo imoto, kufuneka uqinisekise ukuba udibene neemfuno ze-inshorensi zorhulumente ezisemthethweni ukuqhuba ngokusemthethweni.

Yintoni oyifumanayo ngeNqwelo-mali engamaNcinane?

Ukuba unayo imoto e-United States uza kufuneka ufumane i-inshurensi yemoto ehambelana neemfuno zomthetho zobuncinci bomshuwalense wemoto ngokusekelwe kumthetho wakho karhulumente. Umbuso ngamnye uhlukile ke oko kubalulekile ukubheka iimfuno zakho zelizwe kwaye uqhagamshelane nommeleli wakho we-inshorensi ukuba unemibuzo.

Inqwelo-mali ye-Inqwelo yomshuwalense inyanzelekile kwiNinzi yamazwe

Ukuba uhlala eNew Hampshire, nangona i-state ayifuni ukuba uthenge i-inshurensi yemoto ukuze uqhube ngokusemthethweni, umthetho ufuna ukuba ube noxanduva lwezezimali . Ukuthetha ngokwezimali:

Ukunyuka kwi-inshurensi ayinconywa, oku kukushiya kuphela ukuba usengozini. IVirginia neArizona ziphakathi kwamanye amazwe anikezela ngenye indlela kwimfuneko yomshuwalense wemoto.

Jonga amacandelo angezansi e-Arizona, eNew Hampshire kunye noVilina ukuze uthole iinkcukacha ezongeziweyo.

Yintoni edibeneyo kwiNgcaciso yeMinci ye-Inqwelo yomshuwalense efunekayo nguRhulumente wakho

Kukho iintlobo ezi-4 ezisisiseko zokubhengezwa ezingabandakanywa kwiimfuno ze-Car Insurance Minimum.

1. Uxanduva lokuLawulwa komzimba

2. Ukulimala kweZakhiwo

3. UkuKhuselwa koKhuseleko (Personal Prison) (PIP okanye akukho-iphutha)

4. Ukungqiniswanga / Ukukhuselwa koMqhubi weeMoto

Ngaba Zonke iiNdawo zifuna ukuPhelela okuPheleleyo?

Uninzi lufuna kuphela iziqulatho ezimbini zokuqala ezichazwe ngasentla:

Khangela uluhlu olungezantsi ukuqonda oko kuyimfuneko kwiimfuno zomshuwalense wee-car.

Iimanani zithetha ntoni kwiimfuno zomshuwalense weeNqwelo zeeNqwelo zeMoto?

Amanani amele imida kwimigaqo yomshuwalense wemoto yakho, umzekelo:

La manani afanayo angabonakaliswa njengama-20,000 / $ 40,000 / $ 15,000.

Ngaba iimfuno zeNqwelo-mali eziNcinci zaneleyo?

Lo ngumbuzo omuhle. Kutheni i- agent yakho yomshuwalense ikuxelela ukuba ubuncinci abaneleyo ? Konke kuxhomekeke kwimiba enomngcipheko onokulungele ukuthatha. I-inshurensi injongo yokukhusela impahla yakho yangoku kunye nezayo. Ukuba awunayo i-inshurensi yemoto eyaneleyo yokuhlawula umonakalo obangelwa abantu okanye kwipropati xa unengozi, ngoko unokuthi ulandelelwe iindleko ezongezelelweyo. Nangona ungenayo imali ebhankini, okanye unempahla enokuhlawula umonakalo, i-earnings yakho yexesha elizayo inokuchaphazeleka. Kutheni uthatha ingozi?

Iimfuno zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeMoto zifaka isicelo kwiBango

Nangona ukuthotyelwa kwemfuno esemgangathweni yombuso yinto efunekayo ukuqhuba ngokusemthethweni kwimeko yakho yomshuwalense wemoto, ukuthengwa kweemfuno ze-inshorensi ezisemgangathweni ngokuqhelekileyo akusona khetho olufanelekileyo.

Khumbula ukuba kukho ezinye iindlela zokugcina imali kwaye ufumane izaphulelo ezingaphezulu kwi-inshurensi yemoto yakho , ukuba uyaqinisekisa ukuba ufumana zonke izaphulelo ozilungeleyo, kwaye uthenge i-inshorensi yakho kwinkampani enomshuwalense wenqwelo-moya kwaye unokukwazi ukufumana ngaphezulu kwelizwe inshorensi ephantsi.

Umzekelo Wokuba Iimanani Zithini KwiiNgcaciso Zomshumo WeeNqwelo zeeNqwelo zeeNqwelo zeMoto?

Ukuba iimeko zakho ze-inshorensi ubuncinci zingama-25/50/20.

Amanani amabini okuqala abhekisela kwimimiselo yemfanelo yokulimala komzimba kunye nenani lesithathu libhekiselele kumda wecala loxanduva lomhlaba .

Amanani amabini okuqala ngo-25/50/20 kuthetha ukuba kwengozi yomntu ngamnye ozakalimaza uya kufumana i-25,000 engama-25,000 ngomlinganiselo omkhulu we-$ 50,000 ngengozi.

Ukuze uqonde oku bhetele, cinga ukuba abantu ababini bafuna i-25,000 yeeRandi, ngoko i-50 000 yeyona ngengozi yengozi iya kukwanela. Nangona kunjalo, kuthekani ngabantu abathathu balimala, bafuna i-25,000 yeedola nganye. Ubuncinane abuyi kuba neleyo. Kwimeko enjengale, unokuphela kwisimo esinzima apho umntu oqala ukufumana ifayile yokuqala angena ekufikelelekeni kokufikelela kumda we-$ 50,000 kwaye unokuthi ulandelelwe abanye ukuba ingozi yayiyiphutha lakho.

Inombolo yokugqibela ibhekiselele kwirejista epheleleyo ngengozi yomonakalo wepropati, okweli lixa liya kuba ngu-20,000.

Khawucinge ukuba uthe wawela kwicala lendlu okanye umbane, kwaye umonakalo obangelwa kukudlula i-$ 20,000. Kule meko, imfuno yomshuwalense omncinci wemoto ingasweleka kwaye unokuthi ulandelelwe umahluko.

Umlinganiselo weeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwe

Kulula ukubona indlela le mida engayi kufikelela kuyo yonke imfuno yemfanelo kunye nomonakalo wepropati. Ngoku ukuba uqonda ukuba zithini iinombolo, khangela ukuba uluhlu lweemfuno zee-inshorensi zeyona nto. Khangela phezulu imeko ohlala kuyo ukuze ubone ukuba uziva ukhululekile ngamanani amancinci.

Ayinayo imali ngakumbi ukuphakamisa imimiselo yomshuwalense wemoto . Qinisekisa ukuba ukhuselwe ngokwaneleyo ngokuqhagamshelana ne-inshente yakho ukuba uxoxe ngokukhetha kwakho, khetha inkampani yomshuwalense wenqwelo-moya yendawo yakho, kwaye ufumane iindlela zokugcina imali kwi-inshurensi yakho ngaphandle kokubeka ingozi yakho yezezimali engozini.

Uluhlu olupheleleyo lwe-Inqwelo yomshuwalense weeNqwelo eziNcinane ezifunekayo ngokomthetho kwilizwe lakho kunye nokungafani

Alabama

Alaska

EArizona

I-Arizona inemeko ekhethekileyo malunga neemfuno zomthetho ukuqhuba imoto yakho. Bonke abaqhubi kufuneka babonise uxanduva lwemali. Akufuneki ukuba ube ne-inshurensi, nangona kunjalo, ukuba ukhetha ukungathengi i-inshorensi kufuneka ube ulungele ukubeka i-bond ye-40,000 engqina ukuba unokuhlawula umonakalo obangelwa ngengozi. Ngokwemvelo, kubantu abaninzi, ukuthenga ubuncinci bomshuwalense wenqwelo yemoto kwenza uninzi lwemali yengqondo. Nantsi iimfuno ezingundoqo zeArizona xa ukhetha ukuthenga i-inshorensi endaweni yokubeka i-bond:

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Jojiya

EHawaii

Idaho

Illinois

E-Indiana

Iowa

Kansas

Ukukhuselwa kwenzalo yokuzilimaza (i-$ 4,500 kwiindleko zonyango, ukuya kuma-dollar ayi-900 ngenyanga malunga nokukhubazeka okanye ukulahleka kwemali engenayo, i-$ 25 ngosuku ngosuku lweenkonzo zasekhaya, ii-$ 4,500 zokuvuselela, ii-$ 2,000 zokungcwaba okanye ukugcoba izindleko)

EKentucky

Louisiana

Maine

Maryland

EMassachusetts

EMichigan

Ukukhuselwa kwenzalo yokuzilimaza (okungenamkhawulo) UMichigan unikezela nge-inshorensi engekho-ntlawulo kunye nemigqaliselo emiselweyo
Ukukhuselwa kwepropati yezigidi eziyi-1 (i-PPI). I-PPI ihlawula ukuya kwi-1 million yezigidi ukwenzela ukulimaza imoto yakho eMichigan ukuya kwipropati yabantu, njengezakhiwo kunye nezicingo.

Minnesota

Mississippi

EMissouri

Montana

Nebraska

Nevada

ENew Hampshire

Inqwelo-mali yomshuwalense ayimfuneko eNew Hampshire. Akukho ncinane yemfuno yomshuwalense wemoto kwi-State of New Hampshire, nangona kunjalo, umthetho welizwe ufuna ukuba uhlawule nayiphi na inzakalo yomzimba okanye umonakalo wepropati ovela kwindlela osebenza ngayo kwisithuthi.

Ngoko, nangona kungekho mithetho ekuphoqelele ukuba uthenge i-inshurensi yemoto eNew Hampshire, kukho umthetho oza kukubamba uxanduva lokuhlawula umonakalo. Kufuneka uthenge ubuncinane ubuncinane bomshuwalense wemoto ukuzikhusela wena kunye nosapho lwakho.

Le yile miqobo yomshuwalense wemoto ekhoyo xa uthatha isigqibo sokuthenga i-inshorensi:

Enew Jersey

ENew Mexico

Inew york

North Carolina

North Dakota

EOhio

E Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

EMzantsi Dakota

Tennessee

ETexas

Utah

EVirginia

Virgina ineemeko ezizodwa malunga ne-inshurensi yemoto. Akufuneki ukuba uthenge i-inshurensi yemoto, ngokwe-DMV, umthetho waseVirginia ufuna ukuba bonke abaqhubi banendlela yokuhlawula ukulimala okanye umonakalo wepropathi obangelwa yingozi yemoto. Ubuncinane bomshuwalense wemoto yindlela enye yokuhlangabezana nale mfuneko. Lawa angama-Virginia asezantsi:

Vermont

EWashington

Washington DC

West Virginia

Wisconsin

Wyoming