Sezvo chiCalifornia inogara, iwe une zvakasiyana zvishoma zvinoda kupfuura, iwe unoti, North Carolina vagari vanoita pavanosvika pamotokari yemotokari yenyu.
Motokari yemishuwarenzi inokuchengetedza pamusana pengozi umo iwe unokonzera kukanganisa kune mumwe munhu kana kukuvadza mumwe munhu. Kuwedzera kugoverwa kunogona kutengwa kuitira kubatsira kubhadhara mari yezvokurapa mari yako uye kukuvara kwenyama kumotokari yako.
Chii chinonzi Bare Minimum Car Insurance Inodiwa neC CA Law
- Bodily Injury Liability Coverage: Ndiko kugoverwa kunobhadhara mumwe munhu wakakuvara nemotokari yako. Izvo zvidimbu zvidimbu zvinodiwa ndeye $ 15,000 nokuda kwekufa kana kukuvadzwa kweumwe munhu mumwe chete mumatambudziko emotokari uye $ 30,000 nokuda kwekufa kana kukuvadzwa kana vanhu vazhinji vari kubatanidzwa. Vazhinji vehushuwarisi vanotakura vachanyora kugoverwa sa 15/30 iyo inoreva kumiganhu $ 15,000 / $ 30,000. Kuvharirwa kwekodzero kunogona kubatsira kubhadhara mitemo yepamutemo kana mutyairi wechipupuriro achibatanidzwa mumhosva pamusoro pengozi.
- Pakuvadzwa Kunokonzera Kuvhara Mukati : MuCalifornia, mari shoma yehupfumi hwemhosva inotarisirwa kudiwa inodarika $ 5,000 nokuda kwekuona kwechikwata chemoto. Icho chinyorwa chinodiwa muhurumende. Ichabhadhara kukanganisa kwakaitwa kune imwe nzvimbo yemunhu inokonzerwa nenjodzi yemotokari-kana mutyairi akachengetwa akadzivirirwa zviri pamutemo kuti ave mutoro wechiitiko chacho. Saizvozvowo kumubhadharo wemuviri wekukuvadzwa kwepamuviri, kuparadzwa kwemhosva yepfuma kuchabhadhara pamitemo yepamutemo kana mutyairi wechipupuriro achizopomerwa maererano neipi yemoto.
California ndiyo inonyadzisa nyika inoreva kuti mutyairi anofanira kuwanikwa pa-mhosva kuitira kuti chinangwa chake chibhadhara chikamu. Ramba uchifunga nezvehuturi yemotokari inotevera motokari. Iwe haugoni kukweretesa motokari yako kune mumwe mutyairi kunze kwekuti iwe unodzivirira iyi motokari. Motokari yavo yemotokari haigoni kushanda pamotokari yenyu.
Ndinofanira Kutenga Minimum Coverage?
Hazvisi zvakaoma kuona miyero midiki inodiwa inenge yakaderera. $ 5k muupfumi wezvinhu zvinogona kushandiswa kumusoro mubako reziso. Car inshuwarisi vatakuri vanowanzopa vafambisi nevatori vemadhora madiki ekutakura mitemo yakakwirira inozivikanwa seyakasarudzwa nemiganhu yemhosva. Ndinoziva izvi zvinonzwika ne-counter-intuitive asi ichokwadi. Dzimwe nguva iwe unogona kubva kubva kune 15/30/5 muganhu wepamutemo kusvika pamutengo we 100/300/100 wemangorori chete. Zvinonyatsoenderana neinishuwarenzi, yezera rako, uye yako yekufambisa nhoroondo. Usakumbira mamiriyoni mashoma achifunga kuti ndiyo inodhura. Nguva dzose ita kuti mumiririri akureve misiyano yakasiyana kuitira kuti iwe uone kusiyana kwezvikwereti iwe pachako.
Chii Chimwe Chinhu Chinowanikwa?
Zvikwereti zveKudhara Pasina Car Inishuwarenzi MuC
Zvimwe chete, kana iwe uri kubatanidzwa pangozi yemotokari isina kuvharwa nemotokari yemotokari , chikwata chako chekutya chinogona kumiswa. Uyezve, kana iwe wakamira nemapurisa chero chikonzero chipi zvacho, iwe unogona kutarisana matikiti uye / kana zvikwereti zvekusava uninsured-mumamiriro ezvinhu akaipisisa, reisensi yako inogona kumiswa mumamiriro ezvinhu aya zvakare.
Iye zvino zvaunoziva zvinorehwa nemutemo kwauri kana zvasvika kune inshuwarisi yemotokari, enda uko uye uite zvimwe zvekuenzanisa zvekutengesa kuitira kuti iwe uve nechokwadi chekuwana zvakanakisisa inshuwarisi yemari iripo!