UkuKhuselwa koKhuseleko kunye no- MCCA
Ionyango lokuqala kunye nenqwelo yakho yomshuwalense we-Personal injury Injury Protection ngezinye izikhathi ayanele ngokwaneleyo ukuhlawula iindleko zonyango.
Ukunikezelwa kwonyango olungenamkhawulo kunikezelwa ngeengozi zaseMichigan zezithuthi phantsi kwe-MCCA. UMichigan kwiphondo elikuphela lokufuna ukufumana ingxelo engenakulinganiswe yonyango kubo bonke abaqhubi abakhuselayo.
Iintlobo ze-3 zoLungelelwano
UMichigan yiyona nto eyona nto ayilona nto iphosakeleyo kwilizwe. Eli gama akukho mpazamo ayikho kuphela ngokumalunga nezokwelapha kodwa kwakhona ukudibana. Umonakalo owenziwe ngomzimba uhlanganiswe ngoluhlu lokubambisana oludweliswe kwi-inshorensi yakho kungakhathaliseki ukuba ubani ophosakeleyo. Ingaba unobungozi okanye awuyi kuqonda ukuba yiyiphi inzuzo ohlawulayo. Inokuchaphazela nokuba ngaba unako ukukhutshwa okanye awuxhomekeke kuhlobo lokudibanisa oyikhethile.
- Ulwalamano olubanzi lugosa oluhle kakhulu kwaye lubiza kakhulu unokuthenga. Ukuba usengozini kwaye ungenanto ephosakeleyo, awuyi kuhlawula i-deductible ukufumana isithuthi sakho silungiswe. Ukungquzulana okubanzi kunokuza kunene kakhulu xa imoto yakho ipakiwe kwaye awuyazi ukuba ngubani obangela umonakalo. Ukudibanisa okubanzi kuza kukhawuleza kwaye ufumane isithuthi sakho silungiswe ngaphandle kokuhlawula imali yakho.
Ukuba unesiphene kwengozi , kuya kufuneka uhlawule ixabiso elichithwe ngokubhaliweyo kwi-collision coverage.
- Umgangatho oqhelekileyo (rhoqo) Ukudibanisa kuza kwexabiso elincinci kodwa kufuna ukuba uhlawule ukudibanisa kwakho kungakhathaliseki ukuba ubani ophosakeleyo. Ukuba umntu uqhuba uphawu lokuyeka kwaye uhlasele isithuthi sakho, kufuneka uhlawule imali yakho. Kuyakwazi ukunyuka ukuya kuma-$ 500 emva kwe-inshorensi yomqhubi we-inshorensi kunye ne-quote mini. Umgaqo-nkqubo wakho we-inshorensi uza kuhlanganisa zonke izinto zokulungisa.
- Ulwalamano oluNcinci luhlobo oluncinci lokushayisana. Ngokukhawulelana okuncinci, uya kugqitywa kuphela ukuba ingozi ayikho iphoso lakho. Akukho ductible iya kusebenza xa ufunyanwe ukuba awukho iphoso kwaye isithuthi sakho siya kulungiswa. Ukuba unesiphene, awuyi kuba naluphi na ukhuseleko olunikezwa ngumgaqo-nkqubo wakho womshuwalense.
Ukulimala kwePropati
Ukufika ku-$ 1000 kunikezelwa ngumgaqo-nkqubo wakho womshuwalense ukuba ukonakalisa isithuthi somnye umntu. Umonakalo wepropati omncinci uhlawulwa komnye umntu ukuba ahlawuliswe i-deductible okanye ayinakho ukukhawulelana. Umgaqo-nkqubo wakho womshuwalense awuyi kuba noxanduva kwinto ephakamileyo ngaphezu kwe-R1000. Isalathiso sepropati esinqinciweyo sisoloko sibizwa ngokuba yi-claim-tort claim.
Inkonzo Yokhuseleko
Kwimeko yaseMichigan, i-inshorensi yokukhusela ipropati inikeza isigidi esisodwa kwisigxina somonakalo wepropati . Ukubonelelwa kuphela kunikezelwa xa kwenzeka ingozi eMichigan, ngaphandle koko i-coverage yakho yemfanelo yomonakalo yomhlaba iya kusebenza.