Izidingo zomshwalense zokubhalisa imoto e-Illinois

Ukuze ushayele ngokusemthethweni imoto e-Illinois, kufanele ube nezinhlobo ezimbalwa zomshwalense wesikweletu.

Umshwalense omncane wesikweletu odingekayo kubanikazi bezimoto zase-Illinois umi kanje:

• U-$20,000 wesibopho sezomthetho somonakalo wesakhiwo, ohlanganisa umonakalo obangelwa imoto yakho endaweni yomunye umuntu (njengezakhiwo noma izimpawu zomgwaqo).

• $25,000 yomshuwalense wokulimala komuntu ngamunye; lokhu kusho ukuthi inani eliphansi eliphelele umshayeli okufanele abe nalo kumshwalense wokulimala komzimba ngu-$US 50,000 XNUMX, ukumboza inani elincane kakhulu labantu ababandakanyeka engozini (abashayeli ababili).

• U-$25,000 womshayeli ongagunyaziwe noma ongenawo umshwalense omfushane womshuwalense womuntu ngamunye okhokhela izindleko uma kwenzeka ingozi ehilela umshayeli owayengenalo inani elifanele lomshwalense elidingwa umthetho. Lokhu kusho ukuthi umshwalense wakho omncane wezimoto ongenamshwalense kufanele ube u-$US 50,000 XNUMX ukumboza inani elincane kakhulu labantu ababandakanyeka engozini (abashayeli ababili).

Lokhu kusho ukuthi umshayeli ngamunye kufanele aqinisekise isikweletu sakhe ngesamba esingu-$120,000 ngemoto ngayinye anayo e-Illinois.

Ezinye izinhlobo zomshwalense

Ngenkathi izinhlobo ezintathu zomshwalense wesikweletu kuwukuphela kwezinhlobo eziyimpoqo, i-Illinois ibona ezinye izinhlobo zomshwalense ukuze zikhokhelwe okwengeziwe. Lokhu kuhlanganisa:

• Inzuzo yezokwelashwa ehlanganisa izindleko zokwelashwa noma zomngcwabo ngenxa yengozi yomgwaqo.

• Umshwalense ophelele okhava umonakalo emotweni yakho obungewona umphumela wengozi (isibonelo, umonakalo odalwe isimo sezulu).

• Umshwalense wokushayisana, ohlanganisa izindleko zokulimala kwemoto yakho okuwumphumela oqondile wengozi yemoto.

Uhlu Lwemibuzo Lomshwalense

Ukuqinisekisa ukuthi bonke abanikazi bezimoto zase-Illinois bagcina umshwalense wabo wemfanelo oyisibopho, umbuso uthumela uhlu lwemibuzo lwekhompyutha kubanikazi bezimoto. Lapho uthola uhlu lwemibuzo, kufanele uphendule kanje:

• Igama lenkampani yakho yomshwalense

• Inombolo yakho yomshwalense

Uma ungaphenduli noma imininingwane yakho ingaqinisekisiwe wumhlinzeki womshwalense, ukubhaliswa kwemoto yakho kuzomiswa.

Izijeziso zokwephula

Ukushayela ngaphandle komshwalense ofanelekile e-Illinois noma ukwehluleka ukunikeza ubufakazi bomshwalense ngendlela yekhadi lomshwalense elivumelekile lapho ucelwa isikhulu somthetho kungaholela ezinhlawulo nasesikhathini sejele, okuhlanganisa:

• Ukumiswa kokubhaliswa kwemoto yakho

• Ubuncane benhlawulo engu-$500

• Ubuncane benhlawulo engu-$1,000 yokushayela imoto ukubhaliswa kwayo kumisiwe ngenxa yokwephulwa kwenqubomgomo yomshwalense.

Ukuze ubuyisele ukubhaliswa kwemoto yakho yase-Illinois, kufanele unikeze inqubomgomo yomshwalense evumelekile nekhona manje futhi ukhokhe imali yokubuyisela engu-$100. Uma lokhu kungekona ukwephulwa kwakho kokuqala komshwalense, ungase futhi ubhekane nokumiswa kokubhaliswa kwemoto okungenani izinyanga ezine.

Uma utholakala unecala lokushayela budedengu, njengokushayela udakiwe, kungase kudingeke futhi ukuthi unikeze i-SR-22 Financial Liability Document eqinisekisa ukuthi unomshwalense wesikweletu odingekayo ovela enkampanini yomshwalense egunyaziwe.

Ukuze uthole ulwazi olwengeziwe, thinta Ihhovisi likaNobhala Wezwe lase-Illinois likaNobhala Wezinsizakalo Zabashayeli Bezwe kuwebhusayithi yabo.