Ndiyo Mutemo
Somutyairi weTexas, mutemo wenyika unoda kuti iwe utenge nekuchengetedza auto inshuwarisi sechiratidzo cheuchapupu hwako hwemari yemhosva. Zvechokwadi, iwe haungakwanisi kubhadhara motokari yako nehurumende pasina kupa uchapupu hwokuti motokari yako ikozvino yakavimbiswa muzita rako.
Texas Minimum Coverage Levels
Sezvimwe mune dzimwe nyika, pane zvishoma zvishoma zvehurumende inshuwarheni inopihwa iyo inorayirwa nemutemo weTexas. Chikamu chemotokari yepamusoro yehutano inofanira kuva ne:
- $ 30,000 muhutano hwekukuvara mumuviri nemunhu
- $ 60,000 muhutano hwekukuvadzwa kwepamuviri nechiitiko chega
- $ 25,000 muhutano hwekugadzirisa pfuma pane chimwe chiitiko
Kuwanda kwehuwandu hwaunotenga uye chidimbu chakabviswa chinowanikwa nehutungamiri hwako chichaita zvakasimba kuti motokari yemotokari inodhura sei.
Kuwedzera Inishuwarenzi
Mutemo wehurumende haudi kuti iwe utenge mari yehushandi yerurivo (yakadai seusina kuvimbiswa / kutsigirwa nevatengi vemotokari ). Asi Texas ndiyo inotyisa, iyo inoreva kuti mumwe munhu achawanikwa ane mhosva kune imwe njodzi, pamwe nekukuvadzwa kunokonzerwa kana kukuvara. Uye kana iwe uchitambudzwa mukukanganiswa kunokonzerwa nemutyairi asingabatsiri , ipapo mari yako inogona kunge isina kuvharwa zvizere kunze kwekuti iwe uine inshuwarisi yakawedzera .
Uchapupu hweAinishuwarenzi yeMotokari
Kana ukangowana auto inshuwarisi, iwe uchada kutakura uchapupu hwokuti iwe uri inshuwarisi pose paunotyaira kuTexas. Muzviitiko zvizhinji, kambani yako ye inshuwarisi ichakupa iwe ine inshuwarisi yemakadhi ine zvinyorwa zvose zvakakosha pamusoro pako auto auto inshuwariti.
Kana iwe usati uine uchapupu hwe inshuwarisi panguva dzose apo uri kutyaira, iwe unogona kutarisana nemari kusvika kusvika $ 350.
Uyezve, kana iwe ukawanikwa uine mhosva yechipiri, chikwata chako chekutya chinogona kumiswa uye chako chakanaka chinogona kusvika kusvika $ 1000.
Auto Insurance Inofanirwa kuTexas
Nemhaka yemutoro wezvemari iyo vatyairi vasina kubatsirika vanoenda kune vateresi veTexas, nyika yatora matanho ekunyora vatyairi vose vanofukidzirwa nemotokari yemotokari uye kuunganidza mashoko aya mune database.
Iyi purogiramu inonzi TexaSure, uye inobvumira mahofisi ekuchengetedza mitemo nemamwe masangano kupinda muhotera yemotokari kana nhamba yekuzivikanwa kuti aone kana muridzi wayo ariko akachengetedzwa. TexaSure inodzivirira vanodhairi vasina uninsured kubva kuvharidza uchapupu hwemitemo yemitoro nekutora bhidhiyo yemapuraneti yemazuva ano.
Texas Auto Insurance Mazano
Kana iwe uine hanya nezvebhadharo yemotokari yemotokari, pane nzira dzakawanda dzekuwana zvikwereti pamishandiro enyu emishuwarenzi . Zvimwe zveizvi zvinosanganisira kukanganisa kwe:
- Kuchengetedza rekodhi yakachengetedza
- Kudzivisa mathikiti emigwagwa kana kuverengerwa
- Kuzadzisa dzidzo yehurumende-yakatsigirwa Defensive Driving
- Kuderedza nhamba yemakiromita wamunotyaira gore negore
- Kunyoresa motokari imwe chete pamushumo wehushuwarisi
- Kuwana auto yako inshuwarisi mutemo kubva kune mumwe mutakuri anotakura mamwe mainishuwarenzi aunayo iye zvino
- Kuenzanisa motokari yako nemichina yakasiyana-siyana yekurwisa
- Kutya motokari yakasvibiswa
- Kuwana zvikwereti zvakanaka kuchikoro (nokuda kwevatyairi vakanyoresa kuchikoro chesekondari kana kureji)
Iwe unofanirwa kutarisa nekambani yeinishuwarenzi kuti uone kuti zvikwereti zvipi zvinopiwa uye kuti ungazviwanira sei.
Mukuwedzera, vashambadziri vashoma vanopa inshuwarheni vanopa nzira yekuderedza zvikwereti zvako nekunyora yako miitiro yekutyaira. Izvi zvinozadziswa nekuisa chigadziro mumotokari yako iyo inotora dhepfenyuro yakabatanidzwa pane imwe nguva yenguva. Kana ruzivo rwacho ruchiratidzira kuti uri mutyairi wepasi-panjodzi , ipapo mari yako yepurayamisi ichaderedzwa zvakakodzera.
Kana uchida mamwe mashoko nezvekuwana auto inshuwarisi muTexas, unogona kushanyira Texas 'Department of Insurance' website.