- Imba Inoparadza Dzimba (PDL)
- Kukuvadza Kwekuzvidzivirira (PIP)
Mhando imwe neimwe yekugoverwa inofanirwa kuva nechepakati pekuvhara mari ye $ 10 000, uye zvose zviri zviviri zvakakosha.
Imba Inokuvadza Dhaka (PDL) Inishuwarenzi
Imhosva yekuremara kwepfuma (PDL) inshupfumi inosanganisa chero kukuvadza iwe iwe, nhengo yemhuri kana kuti mumwe munhu akafukidzirwa munhu anotyaira motokari yako inogona kukonzera kune imwe nzvimbo yemunhu paanenge achityaira. Kana iwe ukamisa kumagumo yemotokari yemumwe kana kana iwe ukadzoka pamusoro pebhokisi remakero ako, mukana wePDL uchavhara mhirizhonga yemotokari yako yapera kana kupedza bhokisi remakidzani remuvakidzani wako.
Zvisinei, PDL haingabhadhari chero chinhu chipi zvacho chinokanganisa motokari yako ingave yakabatanidzwa mune chimwe chezviitiko izvi zviviri. Nokudaro izwi rokuti "mutoro" muzita, sezvo inishuwarensi inokudzivirira kubva pakukwanisa kukanganisa iwe unogona kukanganisa kune imwe nzvimbo yemunhu nemotokari yako. Nyika yeFlorida haidi kuti iwe utakure kuvhara iyo inogadzirisa motokari yako, kunyange zvazvo inonyatsorumbidzwa.
Kukuvadza Kwemunhu Kudzivirira (PIP) Inishuwarenzi
Kuzvidzivirira kwepachipiri pachake (PIP) yveshuwarisi inobatanidza iwe, nhengo dzemhuri yako, uye vanhu vari kutasva mumotokari yenyu pasina moteri yakanyoreswa uye pasina PIP, kana paitika kuputika nekukuvadzwa.
PIP inoshandiswa inoshanda kune vose vanoziva pasinei nemhosva (avo vakakonzera kuparara kana kukuvadzwa) uye inonzi Florida's no-fault inshuwarise. Munhu wose ane motokari inofanira kutora chirongwa chePIP nekushambadzira kwema $ 10,000. PIP haisi kungoshanda kumotokari yemotokari asi mune zvimwe zviitiko zvinosanganisira:
- Vafambi vanokuvadzwa nemotokari
- Mabhasikoro anokonzerwa nemotokari
- Vana vakakuvadzwa pachikoro mabhazi
Imwe yerudzi rwe inshuwarisi, mutoro wemuviri wekukuvara (BIL) inshurensi, inofukidza nezvekurapa uye kumariro iwe iwe, nhengo yemhuri kana mumwe munhu akafukidzirwa angakonzera paanenge achityaira. Iyi inshuwarisi haifaniri kutarisirwa nehurumende, ine zvikwereti zvepamusoro uye zvikwereti zvakakwirira. Zvisinei, BIL inoderedza mutoro wako kana iwe kana mumwe munhu akafukidzirwa achidzisa motokari yako ndicho chinokonzera njodzi huru.
Hazvidi kuti Bodily Liability Inshuwarisi (BIL) imwe nzira iyo Florida inoparadzaniswa nedzimwe nyika dzakawanda. Nzvimbo imwe chete yehurumende munyika, New Hampshire, haifaniri kuti vatyairi vatakure mutemo neBIL. Kana uine mhando ipi neipi yezvinhu zvakakosha, kusanganisira nzvimbo yako yekugara, funga kuwedzera kuvhara kweBIL kuzvidzivirira. Izvo huwandu huwandu hwekuvharidzira huchakudzivirira kwete kukudzivirira mune imwe ngozi yakaipisisa.
Nei Asin-Fault Inishuwarenzi Inopiwa
Florida ndeimwe yezvikamu zvishomanana zvematongerwo enyika ane-no-fault auto law laws. Mitemo yema inshuwarisi yekodzero yakatangwa kuchengetedza mishonga yepamwedzi yepamwedzi nekuendesa mari yekukurumidza pamusana pevanotadza kukanganisa uye nekudzivisa mitero inodhura inotapudza mhosva.
Apo zvinosvika kune mishonga yezvokurapa muFlorida, yekutanga ye 10k yekugoverwa ichauya kubva payo motokari yemainisitiri yemitemo pasinei nokuti ndiani ari kukanganisa.
Zvichida nekuda kwemitemo yekodzero, makambani anotengesa auto inshuwarisi muFritain anogona kupa zvikwereti zviri pasi kudarika nyika. Zvisinei, vatsoropodzi vemitemo isina mhosva vanotaura kuti mutemo unodzivirira pamhosva yekufambisa mhosva kubva pamhosva dzinogona kukonzera kurasikirwa kwezvinhu zvakanyanya zvakanyanya, zvichiita kuti pave nekufambisa kunotyisa. Chidzidzo chinonyadzisa chakabudiswa neYunivhesiti yePennsylvania chinopupurira kuti hapana-mhosva yemishuwarenzi mitemo inotungamirira kune kumwe kunwa paunenge uchityaira, zviitiko zvakakura zvekukurumidza uye kuwedzera kwehuwandu hwehuwandu huwandu.
Kunze kwekufungidzira kwakachengeteka, vazhinji vanotsoropodza Florida's no-fault system sezvo inowanzoshungurudzwa. Maripa yePIP nokukurumidza inofanira kutungamirira kumapoka apo makiriniki ezvehutano anoita kana kuwedzera kukuvadzwa kusvika kusvika $ 10 000.
Dhipatimendi reFlorida reChechi yezveMari rinogamuchira zviuru zvehupombwe hwePIP uye inoita mazana emasungwa gore negore.
Yakarongwa naEmily Delbridge