Itikiti inobva kumapurisa haifaniri kuitwa kuti ive nechinokanganisa maererano nekambani ye inshuwarisi. Kana iwe uri pangozi imwe chete yemotokari, zvinowanzoitika kupfuura kuti hauna mhosva (zvakaoma kuwana muti kana pfu kuti uzviratidze mudare).
Mienzaniso : Kana iwe uchinge warova, svetura mumugwagwa, uye urove muti, iwe unofungidzirwa iwe nokuti wakanga usina kudzora motokari yako nguva dzose. Kana iwe ukarova pothole , iwe unofungawo kuti uri-mhosva, nokuti iyi ingozi yemoto imwe inodziviswa. Nguva chete iwe hauna mhosva kana imwe motokari ikakurova iwe uchiri kutevera mitemo yemugwagwa.
Pazviitiko Zvokukanganisa uye Car Inishuwarenzi
Tort States : Zvizhinji zvematongerwo enyika zvinoparadza. Pa-pamhosva motokari ndiyo inokonzera kukanganisa kwose kunokonzerwa nenjodzi. Chiremba, kurwadziwa uye kutambura, kukuvadzwa kwepanyama, uye kukanganisa kwezvipfeko zvakaputirwa nemotokari yemutambarakede mutemo wemotokari pamotokari.
Chirango chinoshanda zvakafanana mumatunhu ose, mutengo wegore mitatu wekuwedzera kwekutsvaga pamhosva inotarisirwa. Imwe inoshandiswa inishuwarenzi inenge isingazogadziri mutemo wako kana iwe wechipiri uri kukanganisa kuda mukati memakore matatu, kunyange kana iwe une chirongwa chine kukanganwirwa kwekukanganisa.
States : Mishonga yemari yemotokari yemishuwarisi inowanzotaura nezvehutano hwehutano hwakapiwa mumutemo.
Iko kusinganyanyi kuwanda kwekukuvara kwekuzvidzivirira (PIP) kugoverwa kunodiwa zvichienderana nemitemo yenyika yako. Chero chikamu chekurapa chinopa mari pasinei nemhosva. Mutemo wako unokufukidza iwe.
Collision Coverage : Iyo motokari yemotokari yemotokari inotakura motokari ingadai iine mutoro wekubhadhara marwadzo uye kutambura pamwe nekukuvara kwemuviri kune imwe motokari uye nengozi yepfuma. Tarisira chikwata chekukanganisa pamhosva yekutadza kukwidza mitero yako yemakore anenge matatu zvichienderana nehutachivhisi chako.
Michigan : Michigan inonyanya kukosha uye kwete nekuda kweChitsuwa chakanaka chekuMichigan. Hapana mhosva yekuparidzira inoreva zvose zvekurapa uye kupopotedzana kuparidzirwa. Zvose zvinodhaka zvekurapa uye kukakavara zvinofanira kuiswa pamutemo wako pachako pasinei nemhosva. Hapana kuparadzaniswa kwekutsvaga saka iwe unonyanya kukohwa kubva kune we--fault driver ndiye $ 1000 nokuisa chirevo chekutsvaira mini . Kusvitsa kwete-pa-kukanganisa kukakavara pamutemo wako pachako muMichigan kazhinji kunouya pasina mvumo. Kuisa chikwata chekupa mhosva kuchaita kuti kuwedzerwa kunogara kwemakore matatu.
Kuzvidzivirira kwakanakisisa pamusoro pehuwandu hwekuwedzerwa hunoenderana neanowanikwa-mhosva kunokonzera kukanganwirwa kugoverwa. Ndizvo zvaunowedzera iwe uchibhadhara (ingave kana kuti zvakajeka se-line-item add-on kumitemo yako kana kuburikidza nepamusoro-soro) iyo inobvumira kuti munhu ane mhosva aite kuti aiswe pasina kuwedzerwa muhomwe yehushuga.
Haasi vese vashandi veinishuwarenzi vanopa ruzivo uye zvinoshandiswa kana zvakakosha kutenga. Tsvakurudza zvaunogona kuita kuti ubatsire kuziva kana ichi chinyorwa chakanaka kwauri.