Uninsured and Driinsured Drivers
Inishuwarenzi yekuzvipira zvekuzvipira inomanikidzirwa munyika dzakawanda. Kunyange zvakadaro, anenge 12,6% emotokari yemotokari haasimbiswi maererano neUnited Research Research Council . Nokudaro, kana iwe wakakuvara mune imwe ngozi yemotokari iyo mumwe mutyairi ane mhosva, pane imwe mukana wechisere kuti mutyairi haazove nenishuwarenzi.
Apo mutyairi wepa-mhosva asina kubatsirwe, iwe uchada kuvimba newe pachako inshuwarisi kana zvimwe zvekushandisa mari kuti ubhadhara mabhiriro ako ezvehutano. Kubatanidzwa kwemotokari isina kuvimbiswa kwakagadzirirwa kugadzirisa dambudziko iri.
Mirenge inotarisirwa nemitemo yemishuwarenzi inomanikidzwa yakawanda kwazvo. Semuenzaniso, dzimwe nyika dzinoda $ 15,000 chete pamunhu uye $ 30,000 pangozi yekukuvadzwa mumuviri, uye $ 5,000 nokuda kwekuparara kwepfuma (kana $ 35,000 pamwe chete pamwe chete). Kana iwe wakakuvara mutsaona yemotokari uye mutyairi wepa-fault wakati atenga mamiriyoni anodikanwa anodiwa, iyo miganhu inogona kunge isingakwaniri kubhadhara mari yako yekurapa. Iwe unogona kunge wakaramba uchibhadhara imwe yemari yako. Dambudziko iri rinogona kugadziriswa nekugadziriswa kwemotokari asina simba .
Unofambisa motokari (UM) kuvhara kunodzivirira kambani yako pamusoro pezviitiko zvemotokari zvinokonzerwa nevatyairi vasina chikwereti cheshuwarisi. Underinsured motokari (UIM) inoshandiswa inoshandiswa apo mutyairi anokanganisa ane inshuwarisi, asi muganhu hauna kukwana kuvhara kurasikirwa kwako.
UIM chinyorwa hachiwaniki mune zvese zvese.
Mitemo Inotambudzwa neHurumende
Mitemo yeUU neUIM inosiyana kubva kune imwe nyika kuenda kune imwe nyika. Mune dzimwe nyika, izvi zvakabatanidzwa zvinosungirwa. Zvimwe zvematongerwo enyika zvinokubvumira kuti uzvirambe zvakanyorwa. Dzimwe nyika dzinoda inshuwarisi yako kuti ikupe iwe mutezo wemuM / UIM wakaenzana nechikwereti chako. Somuenzaniso, kana chikwereti chako chiri $ 1 mamiriyoni, yako insurer angave akakodzera kukupa $ 1 Million UM / UIM chikamu.
Iwe unogona kuva nesarudzo yekuramba iyo muganhu uye kusarudza yakaderera, kana kuramba M / UIM chinyorwa zvachose. Munzvimbo dzakawanda nyika yako UM / UIM chikamu hachikwanise kudarika chikamu chako chemhosva.
Kugoverwa kweMUN kunogona kuwedzerwa kumutemo wekutengeserana kwebhizimisi kuburikidza nekubvumirwa . Apo IIM inowanikwa, inowanzogoverwa pamwe chete naMU. Hurumende imwe neimwe yakagadzira mararamiro ayo eM / UIM. Izvi zvinotsigirwa zvakabudiswa neIOO .
Chimwe Chinhu Chinokosha
UM naUIM zvivako zvakasiyana. Zvose izvi zvinotarisirwa kubhadhara zvikwereti zvinobhadhara zvinokuvadza kune inshuwarheni pane kune wechitatu. UM inshuwarisi inobatanidza zvikwereti zvinotsigira zviri pamutemo kuti zvidzoke semhirizhonga kubva kune muridzi kana mutengi wemotokari isina kushandiswa. Izvi zvinoreva kuti inoputira kukanganisa mutungamiri wemutungamiri (kana mubhadhari wake) angadai akabhadhara kana iye kana akatenga inshuwalisi yemhosva yemotokari.
UM inshuwarisi pakutanga yakagadzirirwa kuvhara muviri kukuvara chete. Dzimwe nyika dzakatambanudza kuti dzivhare pfuma yekukuvara zvakare. Muganhu wekugoverwa kweMPD kazhinji wakaderera, sa $ 3500. Kazhinji, UMPD haishandisi kune chero motokari inofambiswa kuti iwirirane.
Zvakatakurwa Muganhu
Inopfuura hafu yehurumende muUnited States inobvumira UM mipera kuti iiswe. Kuiswa pasi kunoshandiswa apo motokari dzakawanda dziri inshumo yeUU kana UIM.
Pakaiswa miganhu inobvumirwa, unogona kuyananidza misi yeU / UIM yevhisi dzose dzakaputirwa pasi peU / UIM. Iwe unogona kushandisa iyo iyo yakabatanidzwa nemiganhu kune imwe motokari.
Somuenzaniso, ngatiti iwe une ma autos maviri, rimwe nerimwe rawo rakafukidzirwa UM pane $ 300,000 pamwe chete. Paunenge uchityaira imwe yemotokari, iwe wakakuvara mune imwe njodzi inokonzerwa nomutyairi asina uninsured. IU muganhu waUU unowanikwa kwauri uchava $ 600,000.
Vamwe vanobvumidza kubvumira kutengesa chete kana motokari dzakawanda dziri inshumo pasi pemitemo yakasiyana. Vamwe vanobvumira kubatanidzwa kana motokari dzichichengetwa pasi pemutemo iwoyo. Vamwe vanoti vanobvumira bhizinesi kuti varege kuisa pasi pasi pemitemo yavo yemotokari.
Ndiani Anovigwa?
UM is a self auto coverage iyo inogona kuwedzerwa kune purogiramu yemotengesi yemabhizimisi. Iko "chikamu chekuchengetwa" chikamu chinowanzobatanidza iwe ( anonzi anishuwarenzi ) uye ani zvake anogara mumhuri.
Kunze kwekuti bhizimusi rako riri rokutengeserana chete, kureva "nhengo dzemhuri" hakuzoshandisi. Kana iwe uine bhizinesi rako semunhu mumwe nomumwe, iwe nemhuri yako nhengo dze insureds paunenge uchityaira kana kuti uchitakura motokari yakavharidzirwa, uye kana vafambi vanofamba.
Uyewo yakafukidzirwa semishuwarenzi ndeimwe imwe nzvimbo inobata motokari, uye ani zvake ane kodzero yokuwana mhirizhonga panzvimbo yea inshuwarisi. Somuenzaniso, ngatitii mutasvi wemotokari yakavharwa akaurayiwa mujodzi inokonzerwa nemutyairi asina kubatsirwa. Mudzimai wemufi angave ane kodzero yekukuvaraidza pasi pekuvhara kwaMU pane wevakafa.
Vashandi Vemhosva Kuregererwa
Vashandi vanofanirwa kuva insureds pasi pekutsigirwa kweMU kana vari vanhu vanovhara motokari. Zvisinei, zvibvumirano zvakawanda zveMU hazviregi chero kurasikirwa chero kupi zvayo iyo inishuwarenzi inokodzera kubhadhara mutero pasi pemutemo wekubhadhara vashandi .
Somuenzaniso, ngatitii mushandi wenyu ari kutyaira motokari yakavharwa paanotambura negumbo rakaputsika pangozi inokonzerwa nomutyairi asina kubatsirwa. Kukuvara kwakaitika pabasa, naizvozvo mushandi anowana zvipo pasi pehutori hwebasa rako rekubhadhara . Chero zvinokanganisa mushandi anowana pasi pekuparidzirwa kweMU achave akawandisa, uye haazopindi, avo vashandi vanobhadhara mari . Zvisinei, UM inogona kuvhara zvimwe zvinokuvadza zvisingabhadharwi pasi pehutano hweWC. Muenzaniso unorwadziwa uye kutambura.
Bhizinesi Rinodiwa Mushonga?
Kune zvikonzero zvakawanda zvekufunga nezvazvo paunosarudza kana kutenga sangano reM / UIM yebhizimisi rako. Imwe inodhura. Mutengi wako kana mutengesi anogona kuwana mitsara yemiganhu yakasiyana-siyana. Chimwe chikonzero ndechokuwanika kwehushuwarisi, kunze kweMU, kuvhara kukuvara kwepanyama kana kukanganisa kwezvivako kunokonzerwa nezviitiko zvemotokari zvinokonzerwa nevatyairi vasina kuvimbiswa. Zvimwe zvinogona kugadziriswa zvakanyorwa pasi apa. Mukuru wako anogona kukubatsira kuti usarudze kana iwe uchifanira kutenga huwandu hweU / UIM kana kuvimba kune imwe inshuwarisi yekukanganiswa kurasikirwa.
- Vashandi vanobhadhara kugoverwa
- Commercial business property inshuwarisi
- Zvichiita kukuvara kwepanyama kugoverwa
- Kurapa kwehutachiona hwemotokari
- Inishuwarenzi yezvoutano
- Accident inshuwarisi
- Self-inshuwarisi
- Cash reserve
- Mushandi weMUM wevashandi
- Kugoverwa kwako kweUU pachako