He mea hōʻoiaʻiʻoʻo ke kuleana waiwai ke kūʻai aku ma mua o ka kūʻaiʻana i kahi Kāmi Insurance?
ʻO keʻano maʻamau,ʻaʻole pono kaʻokoʻa inoa kaʻa kaʻawale i ka freebie manaʻo nui ka poʻe. ʻOiai pahaʻaʻole paha e ukuʻia ka uku no ka hoʻokele kaʻaʻana me kaʻole o ia, e pili ana pahaʻoe i kahi pōʻino.
A ua koʻikoʻi kekahi mau moku'āina no ka hāʻawiʻana i ka hōʻoia o ke kuleana waiwai ma mua o nā mea'ē aʻe.
ʻO kēlā mau Moku'āinaʻaʻole i koiʻia kahi Insurance Insurance?
- New Hampshire :ʻOiaiʻaʻole pono ka hoʻokele moku i ka NH, hiki iāʻoe ke kuleana no ka ukuʻana i kahi $ 50,000 no ka hewa a $ 25,000 no ka poino waiwai. Ponoʻoe e hoʻopau i ka palapala laikini a me ka inoa no ka hikiʻole ke uku i nā poho o kahi pōpilikia i hoʻoholo a me kāu kaʻa paha.
- Virginia :ʻAʻole makemakeʻoe e uku no ka hoʻokele kaʻa i Virginia? Loaʻa iāʻoe ka koho e uku i ka moku $ 500 ma ka makahiki akāʻaʻole hiki ke hāʻawi i kekahi kikowaena. E kūpono ana pahaʻoe ke kuleana ināʻoe i loaʻa kahi pōpilikia.
Hiki i nā mea hoʻokele ma New Hampshire a me Virginia ke kūʻai i ka hoʻolimalima kaʻa inā naʻeʻaʻole pono. Ua emi ke kumukūʻai o ka hoʻokele kaʻa ma kahi kūlike o ka nalowale o kahi pōʻaia kaʻa pilikia. ʻO ka'ilā o ka'ōmoku kaʻawaleʻole i ka 2012 he 12.6 pakeneka e like me ka'ImikeʻIkeʻIkeʻIke.
ʻO ka uku o Hampshire i 9.3 pakeneka a ua heluʻiaʻo Virginia i 10.1 pakeneka ma lalo o ka nui o kaʻawelike.
He aha ka hōʻoia o ka kuleana kālā?
ʻO ka hōʻoia o ke kuleana waiwai keʻoiaʻiʻo,ʻo ka hoʻokele kaʻa. Akā, aia kekahi mau koho'ē aʻe i ka hāʻawiʻana i ka hōʻoia o ke kuleana waiwai. ʻO ka mea maʻamau, pili i ka hoʻopaʻaʻana i kāu kālā a waiho wale i kahi kaʻawale wale nō inā he pilikia.
He nui nā states eʻae i nā alakaʻi e kūʻai i ka palapala hoʻopaʻa a iʻole waiho i ke kālā me ka moku'āina.
ʻO nā'āina hea i hāʻawi i kekahi mea'ē aʻe no ka Insurance Insurance?
ʻO ke kumukūʻai o nā mea kau e likeʻole. ʻO kaʻoi aku ka maikaʻi o kāu heluʻaiʻai a me ka waiwai i ka wānana maikaʻi loa āu e loaʻa ai ma ka palapala. Ke kūʻai neiʻoe i ka leka no ka uku i makemakeʻia e kou moku'āina. A laila inā loaʻa kahi pilikia, e uhi ka paʻa i nā lilo a hiki i kona palena i heluʻia. ʻO ka hope, ke uku neiʻoe i ke kālā i ukuʻia e ka palapala hoʻopaʻa.
30ʻAla Moku'āina e hāʻawi nei i nā Bila aiʻole nā'auki kālā ma kahi o kaʻImi Insurance
- Alabama
- ʻO Arizona
- Kaleponi
- ʻO Colorado
- Delaware
- Idaho
- ʻO Indiana
- Iowa
- ʻO Louisiana
- Maine
- ʻo Maryland
- Massachusetts
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- Nuioka
- North Carolina
- Ohio
- Oklahoma
- ʻO Rhode Island
- South Carolina
- South Dakota
- Tennessee
- ʻO Texas
- Utah
- ʻO Vermont
- Virginia
- ʻO Washington
- Wisconsin
- ʻO Wyoming
Hiki i nā lūlū he nui ke hāʻawi aku i nā mea hoʻokele kaʻa kaʻa. E hōʻoia me kāu DMV o ka moku, Keʻena o nā Vehicle Vehicle, eʻike inā loaʻa kahi palapala. E ukali nā bila iāʻoe me kaʻole o ka kaʻa āu e hoʻokele nei, e lilo ke palapala i kānāwai no ka hoʻokele. ʻO ka hapa maikaʻi inā loaʻa kahi pilikia ma kahi pōpilikia, ponoʻoe e uku i ka hoʻolālā a me ka uku piha me he loina lā.
E hoʻomākaukauʻia e hōʻike i ka hōʻoiaʻiʻo o ka kuleana Waiwai
Ponoʻoe e hāʻawi i ka hōʻoia o ke kuleana waiwai e like me kāu hōʻikeʻana i ka hōʻailona kaʻa .
Loaʻa i kahi kope o ka palapala e loaʻa ana i kēlā me kēia manawa āu e hoʻokele ai. Pono e hoʻolakoʻia i kahi makai inā hoʻoholoʻiaʻoe no kahi hana hewa a iʻole inā ināʻoe i kahi pōpilikia.
Ke hele nei me ka hoʻokele waiwai kaʻa
ʻAʻohe moku hoʻokele kaʻa e pāʻani nui loa. Aia kekahi mea hiki ke mālama i kekahi kālā ma mua o ka manawa. Akā, hiki nō paha ke lilo i ka nui ināʻoe i loko o kahi pōpilikia. ʻOʻoe ke kuleana pono no nā mea a pau e pili ana i nā poho i ka waiwai o ka mea'ē aʻe, nāʻeha, a no nā poho i kāu pono'ī. No ka hapanui o nā kānaka,ʻo kaʻinikua kaʻa ka meaʻoi loa.
Loaʻaʻia ke kaʻaʻole me ka hoʻokele waiwai a iʻole ka kuleana kālā
Ināʻoe i loko o kahi pōʻaia kaʻa a i hukiʻia paha me ka loaʻaʻole o ka hōʻailona kaʻa a kaʻawale paha i ke kālā, he manawa kūpono kou laikini kaʻa kaʻa a hoʻopaʻaʻia ka inoa .
A laila hiki iāʻoe ke waiho i kahi SR-22 ma kāu kulekele hoʻokele waiwai kaʻawale e hāʻawi i ka hōʻoia o ke kālā ma mua o ka hoʻokumu houʻiaʻana o kāu kākau inoa. ʻO kēia keʻanoʻole he mea koho a me ka makemake o kaʻokoʻa kaʻa ma nā manawa a pau no kahi manawa i hōʻikeʻia, he mau makahikiʻekolu paha.