Vagari vomuNew Jersey vane inshuwalisi purogiramu inoshandiswa iyo inotenga motokari yemotokari inodhura.
Vanotyairi vanogona kusarudza kubva ku Basic and Standard Auto Insurance Policies. Icho chinonyanya kushandiswa ndiyo inoshandiswa zvakakwana, asi inosanganisira zvishomanana zvingasarudzwa. Vanhu vazhinji vanosarudza Standard Policy. Tsanangudzo pamusoro peState and Standard Policy mapikisi inogona kuwanikwa muHurumende yeNew Jersey Dhipatimendi reBhengi & Inishuwarenzi.
Chikonzero nei Vanhu vachibvumira Inishuwarenzi kuti vaparare
Ikoko kunogona kuva nemashoko akawanda akaenzana nezvikonzero zvekuti motokari yemotokari inobvumirwa kuparara, asi kune vanhu vazhinji, zvikonzero zvinogona kuputsika kuva imwe yezvikamu zvishanu zvakasiyana. Yokutanga haisi kungova nemari inowanikwa kubhadhara inshuwarisi, uye wechipiri iri kukanganwa kubhadhara inshuwarisi . Chikamu chechitatu uye chechina chinoreva kuti motokari inoputsika kana kuti inobatanidzwa nengozi - haisisiri kukanganisa kwenguva yakati. Uye chikamu chokupedzisira chinosangana nemotokari inotengeswa.
Zviri pachena, mukati memumwe nomumwe wezvikamu izvi, zvinogona kuva nezvikonzero zvakasiyana siyana uye mamiriro ezvinhu.
Zvisinei, kana zvasvika pamishuwarisi yemotokari, nguva dzose zvinonakidza kuti usamborega iyo inshuwarisi ikapera .
Kana kukanganisa kunokonzerwa nekutarisira kana nekuda kwekushaya mari, kune mukanano wakanaka kuti motokari ichiri kuendeswa mberi. Zviri pachena, izvi hazvibvumirwi. Kunyange kana motokari iri kunze kwekutumwa, hazvisi kuchenjera kubvumira inshuwarisi kuti iparadze.
Kufunga
Kutya motokari pasina inshuwarisi kunobata muitiro unotyisa . Migumisiro yakakomba zvikuru inogona kuguma. Pakupedzisira, se muridzi kana mutongi wemotokari, iwe unogona kutongerwa iwe pachako unotarisirwa pangozi.
Chimwe chinetseka chinopindirana nemitengo yakabhadharwa nevatyairi vasina uninsured. Kunze kwezvikwereti, zvimwe zvikwanganiso zvinogonawo kuiswa. Mukuwedzera, izvi zvinowedzera inshuwarisi pfungwa dzinoita kuti mari yako yerishuwarenzi inodhura.
Ndiani Anowana Mhosva?
Zvinogona kuita sokuti mutyairi wemotokari isina kuvimbiswa inongova munhu anogamuchira chero zvipi nezvipi zvinokonzerwa nekufambisa pasina inshuwarisi, asi chokwadi ndechokuti, mutoro unogonawo kuwira kune muridzi kana mutori wemotokari. New Jersey mutemo unogona kuisa mutoro kune uyo anyoresa kana kuti muridzi kana munhu iyeye achiita kuti motokari ishandiswe.
Izvi zvinoreva muridzi kana kuti mutori wemotokari isina kubvumira achibvumira mumwe mutyairi kuti atakure motokari. Zvisinei, kana mutyairi achiziva chokwadi chokuti hakuna inshuwarisi pamotokari, mutyairi wacho anogonawo kutongwa.
Ingu Inshurenzi Yakawanda Sei
Motokari imwe neimwe inofanirwa, maererano nemitemo yeNew Jersey, inobata basa. Izvi zvinopa kugoverwa kwezvinhu zvakadai semugove wepfuma, kukuvadzwa mumuviri, uye kunyange munyaya yekufa.
Kurasikirwa kwemuviri uye kukuvara kwevakafa kune munhu mumwe chete kunofanira kunge kune $ 15,000 uye, pamadhora, $ 30,000 nokuda kweimwe ngozi. Inishuwarenzi inofanira kusanganisira kwete pasi pe $ 5,000 nokuda kwekuvadzwa kwepfuma mune imwe njodzi.
Penalties
New Jersey inokonzera kukanganisa kwakasimba uye kwakasimba kune avo vanotyaira pasina inshuwarisi. Migumisiro inogona kusanganisira zvikwereti, zvikwereti , kusimudzira mabhizimisi ekufambisa, uye kubhadhara rusununguko rwemunharaunda. Kunyanya, inshuwarisi inopihwa, iyo inogona kuwedzera zvakanyanya kumutengo wemotokari yemotokari .
Gara Mutemo, Chengetedza Yakachengeteka Kwavose, uye Chengetedza Mari
Car inshuwarisi inonyanya kukosha kuNew Jersey vagari. Usatora mikana; chengetedza zvinhu zviri pamutemo kwauri uye zvakachengeteka kune wese munhu ane hanya. Dzidza pamusoro pekusiyana pakati peChwaro Chekuita neState Policy - uye sarudzai imwe purogiramu ichashanda zvakanakisisa kuitira mamiriro ako ezvinhu.
Ramba uchifunga kuti makambani akasiyana-siyana einishuwarenzi anotenga mitengo yakasiyana, saka kutora nguva yekuita paIndaneti kuenzanidza mabhizimisi nguva dzose inokosha. Chinokosha ndechokuti, New Jersey motokari yveshuwarisi zvechokwadi inokosha, asi iwe une zvingasarudzwa!