Bukatun inshora don yin rijistar mota a Minnesota

Sashen Direba da Sabis na Motoci na Minnesota na buƙatar duk direbobi su sami wani laifi ko "alhakin kuɗi" inshorar mota don taimakawa wajen biyan kuɗin lalacewa da rauni da ke da alaƙa da haɗarin mota.

Lahancin Kudi na Direbobi mafi ƙanƙanta na Minnesota ya ƙunshi nau'ikan inshorar abin alhaki guda uku, kowane ɗayansu dole ne ya cika ƙayyadadden adadin ɗaukar hoto:

• Babu inshorar laifi ko kariya ta rauni da ke biyan kuɗin kuɗin likitan ku da asarar kuɗin shiga idan kun ji rauni a hatsari a matsayin direba ko fasinja, ba tare da la'akari da wanda ke da laifi a cikin hatsarin ba. Dole ne ku sami mafi ƙarancin $20,000 don inshorar lafiya da ƙaramin $20,000 don asarar kuɗi.

• Inshorar abin alhaki tana ɗaukar raunin da wasu suka samu da asarar dukiya idan an same ku da laifi a wani hatsari. Dole ne ku ɗauki aƙalla $30,000 don raunin jiki ga kowane mutum, wanda ke nufin cewa jimlar mafi ƙarancin da za ku ɗauka shine $ 60,000 don rufe mafi ƙarancin adadin mutanen da abin ya shafa (direba biyu). Hakanan dole ne ku ɗauki aƙalla $10,000 tare da ku idan an sami lalacewar dukiya.

• Inshorar masu ababen hawa marasa inshora suna ɗaukar kuɗin likita fiye da kariyar raunin ku idan kuna cikin haɗari tare da direba mara inshora. Matsakaicin adadin da ake buƙata don inshorar direba mara inshora shine $50,000.

Wannan yana nufin jimlar adadin mafi ƙarancin inshora na tilas ga kowane direba a Minnesota shine $160,000.

Sauran nau'ikan inshora

Ko da yake Minnesota ba ta buƙatar wasu nau'ikan inshora, kuna iya ɗaukar ƙarin ɗaukar hoto don ƙarin kariya yayin haɗari. Wannan ya haɗa da:

• Inshorar karo don biyan lalacewar abin hawa a cikin hatsari.

• Cikakken ɗaukar hoto don biyan lalacewar da ba haɗari ga abin hawan ku ba.

• Matsakaicin haya don biyan kuɗin hayar da ake buƙata.

Tsarin inshorar mota na Minnesota

Duk kamfanonin inshora a Minnesota na iya ƙin ɗaukar hoto don manyan direbobi masu haɗari. Domin waɗannan direbobi su sami ɗaukar hoto na doka da suke buƙata, za su iya tuntuɓar zaɓaɓɓun masu ba da inshora ta Tsarin Inshorar Mota na Minnesota ko MNAIP. Ko da kamfanonin da a baya sun musanta ɗaukar hoto ga wasu direbobi dole ne su ba da ɗaukar hoto a ƙarƙashin Tsarin Inshorar Mota na Minnesota.

Tabbacin inshora

Duk direban da ke aiki da abin hawa a Minnesota dole ne ya ɗauki takardar shaidar inshora tare da su koyaushe. Dole ne ku nuna shaidar inshora ga jami'in tilasta doka akan buƙata. Hakanan kuna buƙatar inshora don yin rijistar abin hawan ku.

Siffofin da aka yarda da tabbacin inshora sun haɗa da:

• Katin inshora daga kamfanin inshora mai izini

• Kwafi na tsarin inshorar ku

• Wasika daga kamfanin inshora

Don yin rijistar abin hawa ko sabunta rajistar ku, takardar shaidar inshora dole ne ta ƙunshi bayanan masu zuwa:

• Sunan kamfanin inshora

• Lambar Inshora

• Lokacin ingancin manufofin

Hukunce-hukuncen cin zarafi

Idan ba ku da inshorar da ta dace a Minnesota, za ku iya fuskantar ɗaya daga cikin waɗannan hukunce-hukunce masu zuwa:

• Magana game da rashin ɗabi'a

• Lokacin gidan yari mai yiwuwa

• Dakatar da lasisin tuki

• Dakatar da rajistar abin hawa

• Tarar $30 don sake yin lasisi

Don ƙarin bayani, tuntuɓi Sashen Tsaron Jama'a na Minnesota na Sabis na Direba da Ayyukan Motoci ta gidan yanar gizon su.