- ʻO ka Lālā'Āina Lākana (PDL)
- Palekana Hoʻoilina o ka pilikino (PIP)
Pono kēlā me kēia 'ano o ke kelepona he kikowaʻi nui loa no ka $ 10,000, a he mau mea nui aʻelua.
Ka Waihona Puʻupuʻu Laulima (PDL) Inihana
Aia nā pilikia o nā waiwai waiwai (PDL) i kekahi pōʻino e hiki ai iāʻoe, kekahiʻohana o kaʻohana, aʻo kekahi mea'ē aʻe e hoʻoneʻe ana i kāu kaʻa ke hoʻokuʻi i ka waiwai o kekahi mea'ē aʻe ma ka hoʻokele. Inā hōʻokiʻoe i kahi kaʻawale a kekahi mea'ē aʻe a inā hoʻiʻoe e hoʻihoʻi i ka pahu leta o kou hoalauna, e kāpili ka PDL i nā mea pohō i ka kaʻa āu i hoʻopau ai a pani paha i ka pahu leta o kou hoa noho.
Eia naʻe,ʻaʻole hiki i ka PDL ke uku aku i kekahi mea no ka pohō i loaʻa i kāu kaʻa ma kekahi o kēia mau hiʻohiʻonaʻelua. No lailaʻo ka hua'ōlelo "kuleana" ma ka inoa,ʻoiai ka mea mālama waiwai e mālama iāʻoe mai ka hikiʻole ke hōʻino iāʻoe, e hiki paha i kekahi mea'ē aʻe ke hoʻokuʻi i kahi waiwai o kekahi mea me kāu kaʻa. ʻAʻole makemake ka moku'āinaʻo Florida iāʻoe e lawe i ka hoʻolālā e hoʻopaʻa i kāu kaʻa pono'ī,ʻoiaiʻoiaʻiʻo ua makemakeʻia.
Ka Puʻukina'Āpana Pilikino Pilikino (PIP) Insurance
ʻO ka pilikino palekana pilikino pilikino (PIP) e uhi iāʻoe, i nāʻohana o kaʻohana, a me nā poʻe e noho ana i kāu kaʻa me ka meaʻole i kākauʻia a me kaʻole PIP, i ka hopena o kahi pōʻino me nā pōʻino.
Hoʻopili ka PIP i nā kānaka kūpono a pau me ka nānāʻole i ka hewa (ʻo ia ka mea i hōʻeha aiʻoleʻeha) a ua hoʻokūʻiaʻo ia i kaʻokoʻa hewaʻole o Florida. ʻO nā mea a pau e loaʻa ka kaʻa, pono e lawe i kahi kulekele PIP me ka liʻiliʻi loa o $ 10,000. ʻAʻole pili wale ka PIP i nā pōpilikia kaʻa ma nā hana'ē aʻe:ʻo:
- Hoʻopiliʻia nā mea o Pedestrians e nā kaʻa
- ʻO nā bicyclist iʻehaʻia e nā kaʻa
- Uaʻeha nā keiki i nā kaʻa pahi
ʻO kekahiʻano pilikino, pili waiwai hōʻeha (BIL), uhi i nā lāʻau lapaʻau a me ka hoʻolewa e pili ana iāʻoe, i kekahi lālā o kaʻohana a iʻole kekahi mea'ē aʻe i uhiʻia e hiki ke hana i ke kaʻaʻana. ʻAʻole pono kēia'ūpī e koiʻia e ka moku'āina, aʻoi aku ka nui o nāʻike a me nā ukana kiʻekiʻe. Eia naʻe, hiki i ka BIL ke hoʻoemi i kāu kuleana ināʻoe a iʻole kekahi mea'ē aʻe e hoʻoneʻe ana i kāu kaʻa he kumu o kahi pōpilikia nui.
ʻAʻole e koi ana i ka Liability Liability Insurance (BIL) he ala'ē aʻe e hoʻohālikeʻia aiʻo Florida mai nā mea'ē aʻe. Hoʻokahi wale nō aupuni ma ka'āina, New Hampshire,ʻaʻole e koi i nā mea hoʻokele e kau i kahi kulekele me ka BIL. Inā loaʻa iāʻoe kekahiʻano waiwai nui, e like me kāu hale noho mua, e noʻonoʻo e hoʻonui i ka BIL pāʻani e mālama iāʻoe iho. ʻAʻole e mālama pono kaʻilima kau palena'āina iāʻoe i kahi pōʻino nui.
No ke kumu i hāʻawiʻoleʻia ai ka waiwai kīwila
ʻO Florida he hoʻokahi wale nō lima lima o nā moku me nā kānāwai līpīʻokoʻa hewaʻole. Ua hoʻokumuʻia nā kānāwai hoʻolālā no ka mālamaʻana i nā uku makahiki ma o ka hāʻawiʻana i nā uku uku kūpono ma kaʻaoʻao o nā mea paʻi hewa a me ka pale aku i nā loiloi ukiuki ma o nā kuleana kīnā.
I ka wā e loaʻa ai i kahi kākoʻo no ka lāʻau lapaʻau ma Florida,ʻo ka 10k mau kaʻina o ka hoʻopukaʻana e puka mai ia mai kāu kulekele pili pono'ī piliʻole i ka mea hewa.
Ma muli o ka hewaʻole, kūʻai nā poʻe kūʻai kūʻai hoʻokele i Florida hiki ke hāʻawi i nā uku kūʻai i emi iho ma mua o nā palena'āina. Eia naʻe, ke'ōlelo nei nā mea hōʻeha o nā kānāwai hewaʻole e pale ana ke kānāwai ma ka hewa o nāʻelele mai nā hihia e hiki ai ke lilo i nā waiwai nui iʻoi aku, pēlā e hoʻonui ai i ka holo kaʻa. ʻO kahi papa kaulana i paʻiʻia e ke Kulanui o Pennsylvania e hōʻoia ana i nā kānāwai līlē hewaʻole e alakaʻi ana i ka nui o ka inu i ka wā e hoʻokele ai,ʻoi aku ka wikiwiki a me ka nui o nā pōpilikia make.
Ma waho aʻe o ka mālama palekana, nui ka poʻe e hōʻino ana i ka pūnaewele hewaʻole o Florida no ka mea pinepine i ka hanaʻinoʻia. ʻO ka uku wikiwiki PIP ka mea e alakaʻi ai i kahi e hana ai nā keʻena maʻi lāʻau lapaʻau iʻole e hōʻemi i ka hōʻailona $ 10,000.
Ua loaʻa i ka Florida Department of Financial Services ka loaʻaʻana o nā'ōlepa hoʻopunipuni PIP a he mau haneli i hopuʻia i kēlā me kēia makahiki.
Hoʻohouʻia e Emily Delbridge