Ka hoʻomaopopoʻana i nā ponoʻoihana kaʻaʻoiʻuʻuku

Ka Moku'āina Moku'āinaʻo ka'ImikeʻIkeʻImi Kino

He aha nā mea e pono ai ke 'ano o ka moku Insurance?

ʻO nā koi liʻiliʻi o nā moku e pono ai nā koi kuhi kaʻa no kēlā me kēia moku'āina, ma ke kānāwai no ko lākou poʻe noho. ʻO kēia mau palena kūpono no kēlā me kēia moku'āina e hiki keʻikeʻia ma ka pūnaewele o ka lunaʻinikua moku'āina , ua hoʻokomo mākou iā lākou maʻaneʻi no kāu maʻalahi maʻalahi, e kaomi wale iho i lalo i kou moku'āina a nānā aku.

ʻOiaiʻoe e iho i lalo i ka papa inoa, eʻikeʻoe i ka kaʻa kaʻaʻole me ka ukuʻole i ke kānāwai i kēlā me kēia moku'āina, no laila inā pono iāʻoe ke kaʻa, ponoʻoe e hōʻoia i ka makemake o ka moku'āina e koi i nā kānāwai pili aupuni.

He aha kāu e hōʻiliʻili ai me ka'Imike kaʻa kaʻaʻuʻuku?

Inā loaʻa iāʻoe kahi kaʻa maʻAmelika Huipūʻia, ponoʻoe e loaʻa kaʻinikua kaʻa e pili ana i nā koi kānāwai no ka hoʻokele kaʻa kaʻa liʻiliʻi ma muli o kāu kānāwai Moku'āina. Heʻokoʻa kēlā me kēia moku'āinaʻo ia ke kumu he mea nui e nānā no kāu mau koi pono'ī a hoʻokaʻaʻike i kou luna lālā inikua inā he mau nīnau kāu.

Kākoʻo kālāʻo Car Insurance ma ka hapanui o nā Aupuni

Inā nohoʻoe ma New Hampshire,ʻoiaiʻaʻole makemake ka moku'āina iāʻoe e kūʻai i nāʻinikua kaʻa e hiki ai ke hoʻokele pono i ke kānāwai, ponoʻoe i ke kānāwai . ʻO ka hoʻolilo kālāʻana,ʻo ia hoʻi:

ʻAʻole i hāpaiʻia ka skipping out on the insurer,ʻo ka mea wale nō ke waiho iāʻoe i ke kālā. ʻO Virginia a me Arizona kekahi i waena o nā moku'āina e hāʻawi aku i kahi ala'ē aʻe e pili ana i nā koi pili hoʻokele kaʻa.

E nānā i nā paukū ma lalo nei ma Arizona, New Hampshire a me Virgina no nā mea kiko'ī.

ʻO ka mea i komo i loko o ka Minimum Car Insurance Coverage Pono e like me kou Moku'āina

Aia 4 mauʻano o ke kelepona i hiki ke komo i loko o ka Moku'āina Minimum Car Insurance Requirements.

1. Ka Lākiu Līkiʻi

2. ka Lālā'Āina Lā

3. Ka hoʻopili pilikino pilikino (PIP aiʻoleʻole hewa)

4. Uninsured / Underinsured Ke Mea Puʻukia

E makemake ana nā moku'āina a pau i ka piha piha?

ʻO nā moku'āina he nui wale nō e koi ai i nā'ahuhana mua mua e heluʻia ma luna nei:

E nānā i ka papa inoa ma lalo nei e hoʻomaopopo i ka mea e pono ai no nā moku kūʻai kūikawā liʻiliʻi o kāu moku.

He aha nā mea e hōʻikeʻia ai nā helu i loko o nā kūmoleʻo ka moku kaʻa kālā moku?

ʻO nā helu helu i nā palena o kāu kulekele hoʻokele kaʻa kaʻa, e like me:

E hiki ke heluʻia kēia mau helu he $ 20,000 / $ 40,000 / $ 15,000.

Ua lawa nā mea e pono ai ka moku'āina e makemake ai?

He nīnau maikaʻi kēia. No ke aha i haʻi aku ai kāu ' inikua pili iāʻoeʻaʻole i lawa ke kaulike ? Ke kau nei ia i ka nui o ka pilikia pilikino āu i makemake e lawe. ʻO ka waiwai mālama kālā e mālama i kāu waiwai o kēia manawa a me nā mea e hiki mai ana. Ināʻaʻole lawa kāuʻokoʻa kaʻa e uhi ai i nā pohō i hanaʻia i nā kānaka a waiwai paha inā loaʻaʻoe i kahi pōʻino, hiki iāʻoe ke hoʻopiʻi no nā koina'ē aʻe. ʻOiai ināʻaʻoleʻoe i ke kālā i ka'aʻaleʻa, aiʻole i loaʻa nā waiwai e hiki ke uku no ka pohō, hiki ke hoʻololiʻia kāu kālā e hiki mai ana. No ke aha e pilikia ai?

Pehea ka Minimum State Car Insurance Coverages Aika i kahi noi

ʻOiaiʻo ka mālama ponoʻana i ka palena palena palena'āina he mea ia e pono ai e hoʻokele i nā kānāwai ma kāu moku'āina no kaʻinikua kaʻa, kūʻaiʻole aku i nā koi o ka hoʻolimalima liʻiliʻi o ka moku i ka maikaʻi loa.

E hoʻomanaʻo, aia kekahi mauʻano'ē aʻe e hoʻopakele ai i ka kālā a hoʻonui i nā uku ma kāuʻinikua kaʻa , ināʻoe e hōʻoia iāʻoe e loaʻa nā uku i loaʻa iāʻoe, a kūʻai i kāu inikua mai kahiʻoihana kūʻai pono kaʻa maikaʻi a hiki iāʻoe ke hoʻonui i kaʻoihana ka hōʻemi liʻiliʻi.

Keʻano o ka mea e pili ana nā Nūlā i nā KeʻenaʻImiʻImi Moku'āina Mokuaka?

Inā he 25/50/20 kāu kūlana hoʻolālā liʻiliʻiʻoi loa.

ʻO nā helu muaʻelua e pili ana i nā palena o nā mea i hōʻehaʻia i ke kino aʻo ka heluʻekolu ke nānā nei i ka palena palena o nā meaʻino .

ʻO nā helu heluʻelua ma 25/50/20 ke manaʻo nei i loko o kahi pōʻino i loaʻa i kēlā me kēia meaʻeha ka maximumi o $ 25,000 me ka palena palena palena he $ 50,000 no ka hopena.

No ka hoʻomaopopoʻana i kēia mea maikaʻi, e noʻonoʻo inā pono i nā kānakaʻelua $ 25,000, a laila e lawa ka maximum o $ 50,000 ma kahi pahuhopu. Eia naʻe, he aha ka mea i hōʻehaʻia iʻekolu poʻe, e pono ana i $ 25,000 i kēlā me kēia. ʻAʻole lawa ka palena palena. I kekahi hihia e like me kēia, hiki iāʻoe ke hoʻopau i kahi pilikia i kahi e hiki ai i ka mea kākau mua ke loaʻa i ka palena $ 50,000 a hiki iāʻoe ke hoʻopiʻi no ka hoʻomaha ināʻo ka pōʻino kāu hewa.

ʻO ka helu hope loa e pili ana i ka nui o ka hoʻopiʻi ma ka hopena no ka pōʻino o ka waiwai, i loko o kēia hihia he $ 20,000.

E noʻonoʻo inā e paʻiʻoe ma kaʻaoʻao o kahi hale a iʻole he lāʻau elele, aʻo ka hopena o ka hopena iʻoi aku i ka $ 20,000. Ma kēia kūlana, hiki ke hōʻemiʻia ka meaʻoi aku o ka palapala hoʻokele kaʻa liʻiliʻi a hiki iāʻoe ke hoʻopiʻiʻia no ka likeʻole.

ʻO nā palena kūikawāʻuʻuku o ka mokuʻaʻole hiki i ka lawaʻana e pale aku iāʻoe

He maʻalahi keʻike i ka hikiʻole i kēia mau palena ke uhi i nā hewa a pau a me nā pono waiwai. I kēia manawa e hoʻomaopopoʻoe i keʻano o nā hua'ōlelo, e nānā i ka helu o nā koina o nāʻinikua liʻiliʻi o kēlā me kēia moku'āina. E nānā i ka moku'āina āu e noho nei eʻike ināʻoluʻoluʻoe i nā helu liʻiliʻi.

ʻAʻole hiki ke hoʻonuiʻia ka hoʻonuiʻana i kāu palena pili hoʻokele kaʻa . E mālama pono i kou palekana ma o ke kālekaʻana i kāu 'inikua e kūkākūkā i kāu mau koho, koho i kahi huiʻinikua maikaʻi maikaʻi no kou wahi, a loaʻa i nāʻano e mālama i ke kālā ma kāu auto me ka hoʻoiliʻoleʻana i kāu kālā.

Hoʻopiha piha o nāʻImi Kāmi Moʻokumu i Ponoʻia e ke kānāwai ma kou Moku'āina a me nā mea'ē aʻe

Alabama

Alaska

ʻO Arizona

He kūlana kūikawāʻo Arizona e pili ana i nā koi kānāwai e hoʻokele i kāu kaʻa. Pono nā mākaʻi a pau e hōʻike i ke kuleana kālā. ʻAʻoleʻoe e loaʻa kahi inikua, akā, inā kohoʻoeʻaʻole e kūʻai i ke inikua e loaʻa ana iāʻoe e hoʻomākaukau i kahi hōʻai'ē $ 40,000 e ho'āʻo ai e hiki iāʻoe ke uku no nā uku poho o ka hopena. ʻO ka maʻamau, no ka hapanui o nā kānaka, ke kūʻaiʻana i kaʻinikua kaʻa kaʻa liʻiliʻi he nui keʻano waiwai kālā. Eia nā palena kūikawā o ka palenaʻo Arizona inā kohoʻoe e kūʻai i keʻinikua ma mua o ke kauʻana i kahi palapala hoʻopaʻa:

Arkansas

Kaleponi

ʻO Colorado

Kuhikuhi

Delaware

ʻO Florida

Keokia

Hawaii

Idaho

ʻo Illinois

ʻO Indiana

Iowa

Kansas

Ka palekana pilikino pilikino ($ 4,500 ma nā hoʻolālā kālā, a hiki i $ 900 no ka malama kīnā a nele paha i ka loaʻa kālā, $ 25 no ka lā no nā lawelawe i loko o ka home, $ 4,500 no ka hoʻouluʻana, $ 2,000 no ka hoʻoulu kanu hoʻolewaʻana a me nā uku hoʻolimalima)

Kentucky

ʻO Louisiana

Maine

ʻo Maryland

Massachusetts

Michigan

Ka palekana pilikino pilikino (palenaʻole) Ke hāʻawi aku neiʻo Michigan i kahiʻoluʻolu-ʻole me nā mea e pono ai ka hana
$ 1 miliona palekana waiwai (PPI). Penei ka uku o ka PPI i $ 1 miliona no ka hopena o kāu kaʻa i Michigan i nā waiwai o nā poʻe'ē aʻe, e like me nā hale a me nā pā.

ʻO Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

ʻO New Hampshire

ʻAʻole pono ka hoʻokele waiwai ma New Hampshire. ʻAʻohe mea kūʻai hoʻolimalima ka palena maʻamau no ka Moku'āinaʻo New Hampshire, akā naʻe, ke koi nei ke kānāwai Moku'āina iāʻoe e uku no ka hōʻeha kino a iʻole kaʻino o ka waiwai e puka mai ana ma kāu hana o kahi kaʻa āu.

No laila,ʻoiai,ʻaʻohe kānāwai e koi iāʻoe e kūʻai i kaʻinikua kaʻa ma New Hampshire, aia kekahi kānāwai e mālama iāʻoe no ka ukuʻana i nā uku. Ponoʻoe e kūʻai ma kahi liʻiliʻiʻoi aku kaʻa kaʻaʻuʻuku no ka paleʻana iāʻoe iho a me kouʻohana.

ʻO kēia nā palena kūʻai kaʻa kaʻa liʻiliʻi loa i ka wā e hoʻoholo aiʻoe e kūʻai i kahi inikua:

ʻO New Jersey

New Mexico

Nuioka

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

ʻO Rhode Island

South Carolina

South Dakota

Tennessee

ʻO Texas

Utah

Virginia

Aia ka Virgina i nā kūlana kūikawā e pili ana i kaʻokoʻa kaʻa ʻAʻole ponoʻoe e kūʻai aku i kahiʻokoʻa kaʻa, e like me ka DMV, aia ka kānāwai Virginia e loaʻa i nā mea hoʻokele a pau ke ala e uku ai no kaʻeha a iʻole ka waiwai waiwai i loaʻa mai kahi pōpilikia kaʻa. ʻO ka moku kūʻai kaʻaʻuʻuku he ala hoʻokahi e hālāwai ai i kēia koi. ʻO kēia nā Virginia liʻiliʻi:

ʻO Vermont

ʻO Washington

Kālāʻo DC DC

West Virginia

Wisconsin

ʻO Wyoming