Izidingo zomshwalense zokubhalisa imoto e-Minnesota

Umnyango WaseMinnesota Wezinsizakalo Zokushayela Nezimoto udinga ukuthi bonke abashayeli bangabi naphutha noma "isikweletu sezezimali" somshuwalense wezimoto ukuze usize ukukhokhela izindleko zomonakalo nokulimala okuhlobene nengozi yemoto.

Isibopho Sezezimali Sabashayeli Abancane baseMinnesota sihlanganisa izinhlobo ezintathu zomshwalense wesikweletu, ngamunye okufanele uhlangabezane nenani elithile elincane lokumbozwa:

• Awukho umshwalense onephutha noma ukuvikelwa kokulimala komuntu okukhokhela izikweletu zakho zezokwelapha kanye nokulahlekelwa yimali engenayo uma ulimele engozini njengomshayeli noma umgibeli, kungakhathaliseki ukuthi ubani onephutha engozini. Kufanele ube nobuncane obungama- $20,000 omshwalense wezempilo kanye nobuncane obungama- $20,000 ukuze ulahlekelwe umholo.

• Umshwalense wemfanelo uhlanganisa ukulimala kanye nokulimala kwempahla kwabanye uma utholwe unephutha engozini. Kufanele uphathe okungenani u-$30,000 ngokulimala komzimba ngomuntu ngamunye, okusho ukuthi inani eliphansi eliphelele okufanele uliphathe lingu-$60,000 ukuze uhlanganise inani elincane kakhulu labantu abahilelekile (abashayeli ababili). Kufanele futhi uphathe okungenani u-$10,000 uma kwenzeka umonakalo wempahla.

• Umshwalense womshayeli ongenamshwalense ukhava izindleko zezokwelapha ezingaphezu kwesivikelo sakho sokulimala uma kwenzeka ubandakanyeka engozini nomshayeli ongenamshwalense. Inani elincane elidingekayo kumshwalense womshayeli ongaqinisekisiwe ngu-$50,000.

Lokhu kusho ukuthi inani eliphelele lomshwalense omncane oyimpoqo kunoma yimuphi umshayeli eMinnesota ngu-$160,000.

Ezinye izinhlobo zomshwalense

Nakuba i-Minnesota ingadingi ezinye izinhlobo zomshuwalense, ungase ucabangele ukumbozwa okwengeziwe ukuze uthole ukuvikelwa okwengeziwe uma kwenzeka kuba nengozi. Lokhu kuhlanganisa:

• Umshwalense wokushayisana ukuze ukhokhele umonakalo wemoto yakho engozini.

• Ukufakwa okuphelele kokukhokhela umonakalo ongeyona ingozi emotweni yakho.

• Ukuqasha ukukhokhela izindleko zerenti edingekayo.

Uhlelo lomshwalense wemoto waseMinnesota

Zonke izinkampani zomshwalense eMinnesota zingenqaba ukukhava abashayeli abasengozini enkulu. Ukuze laba bashayeli bathole ukuhlinzekwa okusemthethweni abakudingayo, bangathinta abahlinzeki bomshwalense abakhethiwe nge-Minnesota Motor Insurance Plan noma i-MNAIP. Ngisho nezinkampani ezike zenqaba ngaphambili ukufakwa kubashayeli abathile kumele zihlinzeke ngaphansi kwe-Minnesota Automobile Insurance Plan.

ubufakazi bomshwalense

Noma yimuphi umshayeli osebenzisa imoto eMinnesota kufanele aphathe isitifiketi somshuwalense ngaso sonke isikhathi. Kufanele ubonise ubufakazi bomshwalense kumphathi womthetho uma ucela. Uzodinga nomshwalense ukuze ubhalise imoto yakho.

Izinhlobo ezamukelekayo zobufakazi bomshwalense zihlanganisa:

• Ikhadi lomshwalense elivela enkampanini yomshwalense egunyaziwe

• Ikhophi yomshwalense wakho

• Incwadi evela enkampanini yakho yomshwalense

Ukuze ubhalise imoto noma uvuselele ukubhaliswa kwakho, isitifiketi sakho somshwalense kufanele siqukathe imininingwane elandelayo:

• Igama lenkampani yomshwalense

• Inombolo yomshuwalense

• Usuku lokuphelelwa yisikhathi kwenqubomgomo

Izijeziso zokwephula

Uma ungenawo umshwalense ofanele e-Minnesota, ungase ube ngaphansi kwesinye sezijeziso ezilandelayo:

• Caphuna mayelana nokungaziphathi kahle

• Isikhathi esingaba sejele

• Ukumiswa kwelayisensi yokushayela

• Ukumiswa kokubhaliswa kwemoto

• $30 inhlawulo yokuphinda uthole ilayisensi

Ukuze uthole ulwazi olwengeziwe, xhumana Nomnyango Wokuphepha Komphakathi Wase-Minnesota Uphiko Lwabashayeli Nezinsizakalo Zezimoto ngewebhusayithi yabo.