Kana iwe uchityaira muhurumende uye iwe hauna kuvharwa, kana iwe uri kufunga kurasa inshuwarisi yako kuti uchengetedze mari shoma, ndiyo nguva yokuti iwe wakaziva zvikwereti zvekutya pasina bhuwarisi muSouth Carolina.
South Carolina Insurance Inoshandiswa
Kana iwe usati wati wamboziva, South Carolina inoda kuti madereji anotakura zvishoma zvishoma yemotokari yveshuwarisi yekuvhara panguva dzose. Pari zvino, zviduku zvinodarika $ 25,000 nokuda kwekukuvara kana kufa kune mumwe munhu; $ 50,000 nokuda kwekukuvadza kana kufa kune anopfuura mumwe chete; uye $ 25,000 nokuda kwekukuvara kweimba. Kutsigirwa kwemotokari isina kuvimbiswa, nenzira, inowanikwa mumari yako yenguva dzose.
Chii Chinoitika Kana Iwe Usina Muviri?
Ngatitii muri South Carolina mutyairi iye zvino ane chiitiko chakanaka munzvimbo, asi iwe unoda kuzvisiya, kana kwemwedzi mishomanana chete, kuti uchengetedze mari. Iwe unogona kunge uchifunga kuti zvichatora nguva yakareba kuti DMV ibate kwauri uye panguva iyo iwe uchava nechinangwa chitsva chiri panzvimbo.
Kana iwe ndiwe, unogona kufunga zvakare. Ndechokuti South Carolina inoshandisa izvo zvinonzi Automobile Insurance Liability Reporting System, kana AILR.
AILR inoshanda saiyi: Paunosasa auto inshuwarisi, yako (ikozvino yaimbova) insurer ichakurumidza kuzivisa DMV yekuregeswa.
DMV ichabva yangotumira tsamba inokuudza kuti une mazuva makumi maviri emabhizimisi ekupa vimbiso yehushandi yveshuwarenzi. Kana iwe ukashandura makambani einishuwarenzi asina kukanganisa mukuvhara, hapana dambudziko. Ingozivisa chiitiko chako chitsva pamusoro pe tsamba uye ivo vanofanira kukwanisa kutaurira DMV pakarepo.
Kana ukakundikana kupindura tsamba yacho mukati mezuva remazuva makumi maviri, zvakadaro, iwe une dambudziko. Purogiramu yako yepaiti uye kubhadhara motokari zvingasimirirwa, uye iwe unogonawo kurasikirwa neropafadzo yako yekufambisa. Motokari chero ipi zvayo. Period. Uye kudzorerazve mahwendefa ako, kubhadhara uye kubhadharira ropafadzo kunogona kutenga mari. Chokutanga pane zvose, iwe uchafanira kuwana inshuwarisi itsva uye uchazviratidza kuDMV. Ipapo iwe uchabhadhara madhora mazana maviri ekudzorerazve, pamwe ne $ 5.00 pazuva kwezuva rimwe nerimwe rawakaenda pakati pemitemo yakakodzera. Nenzira iyo, chirango ichocho "pamotokari," zvinoreva, ngatitaure, kuti kana iwe ukarega kuvhara pamotokari mitatu panguva imwechete, iwe uchafanira kubhadhara $ 600 pakudzorera mari uye $ 15 pazuva nokuda kwemazuva ivo vakanga vasina kuvimbiswa. Zvinhu zvinogona kutengesa, zvakakodzera? Kunyange zvakadaro hausi kugutsikana kuti kuregererwa kwako hakusi pfungwa yakanaka?
Verenga pamusoro.
Kuwana Kudzidziswa Kutyaira Pasina Inishuwarenzi.
Kana mahwendefa ako uye kubhadhara zvigadziriswa nekuda kwekushaiwa yunishuwarenzi , uye iwe unomira uchishanda imwe yemotokari pasi pekugadziriswa, ipapo chikwata chako chekutya chichagadziriswa (kana chisati chave chave chagara) uye chicharamba chichidaro kusvikira iwe uchibhadhara $ 500 yekudzorerazve. Uye kana iwe uchibata motokari yausina iwe, reisensi yako ichamiswa kwemazuva makumi matatu uye iwe unofanira kubhadhara $ 100 mari yekudzorerazve.
Kupinda Munjodzi Pasinei Nokusimbiswa.
Zvisiyanisa uye zvisiri pamatambudziko ose akaiswa nehurumende, pane dambudziko duku iroro rekupinda munjodzi apo uri kukanganisa uye kukanganisa pfuma nekukuvadza kwako. Handifaniri kukuudza kuti pfuma yekukuvadza inodhura, uye zvinonyanya kukosha, mari inokonzerwa nekukuvara kwepamusoro, inogona kunge iri nyanzvi.
Kutaura zvazviri, haisi kuwedzerera kutaura kuti kubhadhara kwekukuvara kwevamwe vakaurayiwa kwepakuvadza kwako kunogona kuparadza nguva yeupenyu hwose, chaiyo munguva pfupi.