Izidingo zomshwalense zokubhalisa imoto eFlorida
Ukulungisa okuzenzakalelayo

Izidingo zomshwalense zokubhalisa imoto eFlorida

09.11.2022 /

Isifunda saseFlorida sidinga ukuthi bonke abashayeli babe nomshwalense omncane wesikweletu noma "isikweletu sezimali" sezimoto zabo ukuze bashayele lezo zimoto ngokusemthethweni.

Umshwalense omncane wesikweletu odingekayo kubanikazi bezimoto ngaphansi kwalo mthetho umi kanje:

  • $10,000 Ukuvikelwa Kokulimala

  • $10,000 ngomonakalo wempahla

Lokhu kusho ukuthi umshayeli ngamunye kufanele aqinisekise isikweletu sakhe ngesamba esingu-$20,000 ngemoto ngayinye anayo eFlorida. Lesi ngesinye sezibalo eziphansi kakhulu ezifakwe umshwalense e-US.

Izinhlobo zomshwalense

Ngayinye yalezi zinhlobo ezimbili zomshwalense oyimpoqo ihlanganisa izici ezihlukene zengozi. IFlorida iyizwe elingenalo iphutha, okusho ukuthi umshwalense wakho uzokhokhela umonakalo wakho, kungakhathaliseki ukuthi ubani obangele ingozi.

  • I-Personal Injury Protection ikhokhela izindleko zezokwelapha kanye nokulahlekelwa yimali engenayo ngenxa yokulimala ongase ukuthole engozini. Iphinde ihlanganise nezindleko zezokwelapha zezingane ohamba nazo, izikweletu zakho zezokwelapha uma ubuhamba ngezinyawo engozini yemoto, kanye nezikweletu zezokwelapha zengane yakho uma ibe sengozini ngenkathi isebhasini lesikole.

  • Isikweletu sokucekelwa phansi kwempahla sivala umonakalo wemoto yakho endaweni yomunye umuntu, njengebhilidi noma uphawu lomgwaqo.

Uma uke wakhokhiswa ukushayela budedengu esikhathini esedlule, kungase kudingeke ukuthi uthathe olunye uhlobo lomshwalense:

  • Isibopho sokulimala komzimba sihlanganisa ukulimala kwabanye abahlukunyeziwe bengozi.

Uma uke wagwetshwa ngaphambilini ngokushayela udakiwe eFlorida, kungase kudingeke ube namanani omshwalense aphezulu ukuze ushayele ngokusemthethweni. Lokhu kuhlanganisa:

  • I-$ 100,000 ekuvikelweni kokulimala komuntu oyedwa, okungenani i-$ 300,000 edingekayo ukuvala ukulimala kwabo bonke abantu ababandakanyeka engozini eyodwa.

  • $50,000 ngomonakalo wempahla

ubufakazi bomshwalense

Noma yimuphi umshayeli oshayela imoto kufanele aphathe umshwalense ngaso sonke isikhathi. Kuzodingeka ukuthi uveze isitifiketi somshwalense uma ucelwa yinoma yisiphi isiphathimandla somthetho futhi usinikeze ukubhalisa imoto yakho.

Ubufakazi obamukelekayo bekhava yomshwalense buhlanganisa:

  • Ikhadi lomshwalense elikhishwe umshwalense ogunyaziwe

  • I-SR-22, ewubufakazi bokuthi unomshwalense, imvamisa idingeka kuphela kulabo abake bakhokhiswa ukushayela budedengu ngaphambilini.

  • I-FR-44, ewubufakazi bokuthi unomshwalense, imvamisa idingeka kulabo ababoshelwe ukushayela bephuzile.

Izijeziso zokwephula

Uma ukhansela umshwalense wakho, inkampani yakho yomshwalense kufanele yazise i-Florida DMV ukuthi awusakhaviwe. Uma unganikezi ubufakazi obusha bomshwalense ngemva kokwenzeka kwalokhu, uzobhekana nezijeziso ezimbalwa, ezihlanganisa:

  • Ukumiswa kwezincwadi zokushayela, izinombolo zezinombolo kanye nokubhaliswa

  • Imali engu-$150 yokwephulwa kwakho kokuqala; $250 ukwephulwa kwesibili; kanye ne-$500 ngokuphulwa ngakunye okulandelayo

Ukuze uthole ulwazi olwengeziwe, thintana noMnyango Wezokuthutha we-Florida kanye Nokuphepha Kwezimoto kuwebhusayithi yabo.

Engeza amazwana