Bukatun inshora don rajistar mota a Indiana
Don fitar da abin hawa bisa doka a Indiana, dole ne ku sabunta rajistar motar ku tare da Ofishin Motoci kowace shekara. Don yin wannan, dole ne ku ba da tabbacin cewa kuna da inshorar abin alhaki da ake buƙata.
Mafi ƙarancin inshorar abin alhaki da ake buƙata ga masu abin hawa ƙarƙashin dokar Indiana shine kamar haka:
$10,000 a cikin lamunin lalacewar kadarori, wanda ke rufe barnar da abin hawa ke yi ga dukiyar wani (kamar gine-gine ko alamun hanya).
$25,000 don inshorar rauni na mutum kowane mutum; wannan yana nufin cewa jimlar adadin kuɗin da direba dole ne ya samu don inshorar rauni na jiki shine $ US 50,000 XNUMX don rufe mafi ƙarancin adadin mutanen da ke cikin haɗari (direba biyu).
Wannan yana nufin jimlar inshorar abin alhaki da ake buƙata shine $60,000 ga direbobin Indiana.
Har ila yau, dokar Indiana tana buƙatar inshora ga masu ababen hawa marasa inshora da marasa inshora, wanda ke biyan kuɗi a cikin hatsarin da ya shafi direban da ba shi da madaidaicin adadin abin da doka ta buƙata. Mafi ƙarancin adadin kowane nau'i sune kamar haka:
Dole ne inshorar direba mara inshora ya zama daidai da mafi ƙarancin abin da ake buƙata don inshorar abin alhaki na gabaɗaya a Indiana ($60,000).
Dole ne inshorar direba mara inshora ya zama $50,000.
Sauran nau'ikan inshora
Kodayake waɗannan nau'ikan inshorar abin alhaki sune kawai nau'ikan wajibai, Indiana ta gane sauran nau'ikan inshora don ƙarin ɗaukar hoto. Wannan ya haɗa da:
Keɓancewar fa'idar likita wanda ya shafi farashin jiyya ko jana'izar da ya haifar da hatsarin ababen hawa.
Cikakken inshora wanda ke rufe lalacewa ga abin hawa wanda ba sakamakon haɗari ba (misali, lalacewar yanayi).
Inshorar haɗari, wanda ke ɗaukar farashin lalacewa ga abin hawan ku wanda shine sakamakon haɗarin mota kai tsaye.
Maida kuɗin haya wanda ke biyan amfani da motar haya yayin da ake gyaran motar ku bayan wani haɗari.
Matsakaicin rata, wanda ya shafi sauran biyan haya ko lamunin mota idan jimillar ƙimar motar ta yi ƙasa da adadin da ake binsa.
Sassan Kwastam da Keɓancewar Kayan Aiki, wanda ke ɗaukar farashin maye gurbin ƙaƙƙarfan haɓakawa akan abin hawa da ya lalace a cikin haɗari.
Certificate of Conformity
A Indiana, ana buƙatar kamfanonin inshora su ba da rahoto ga BMV na jihar idan an ba direba tikitin ko kuma ya yi haɗari. Ana amfani da wannan takardar shedar azaman shaidar inshora don nunawa gwamnati cewa direban yana biyan mafi ƙarancin inshora na doka. Idan ba a shigar da wannan takardar shaidar a cikin kwanaki 40 daga ranar ba, BMV za ta gabatar da buƙatu kuma kuna iya fuskantar dakatarwar lasisin tuƙi.
Hukunce-hukuncen cin zarafi
Tuki ba tare da inshora ba a Indiana na iya haifar da asarar lasisin tuƙi har tsawon shekara guda.
Idan an same ku da laifin tukin ganganci, kamar tuƙin buguwa, ana iya buƙatar ku kuma samar da Takardun Lamunin Kuɗi na SR-22 wanda ke tabbatar da cewa kuna da inshorar abin alhaki da ake buƙata daga kamfanin inshora mai izini.
Don ƙarin bayani, tuntuɓi Ofishin Motoci na Indiana akan gidan yanar gizon su.
