Bukatun inshora don yin rijistar mota a Missouri

Dokar Missouri ta bayyana cewa ana buƙatar duk masu abin hawa su sami inshora na auto ko "alhakin kuɗi" don mallaka ko sarrafa abin hawa bisa doka.

Mafi ƙarancin buƙatun alhakin kuɗi na Missouri don direbobi sune kamar haka:

• Mafi ƙarancin $25,000 ga kowane mutum don rauni ko mutuwa. Wannan yana nufin kuna buƙatar samun aƙalla $50,000 tare da ku don rufe mafi ƙarancin adadin mutanen da ke cikin hatsari (direba biyu).

• Mafi ƙarancin $10,000 don lamunin lalacewar dukiya

• Mafi ƙarancin $25,000 ga kowane mai mota mara inshora. Wannan yana nufin cewa za ku buƙaci jimillar dala 50,000 don ɗaukar mafi ƙarancin adadin mutanen da ke cikin hatsarin (direba biyu).

Wannan yana nufin cewa jimlar mafi ƙarancin abin alhaki na kuɗi da za ku buƙaci shine $110,000 don raunin jiki da lalacewar dukiya.

Sauran nau'ikan alhakin kuɗi

Yawancin direbobi a Missouri suna biyan tsare-tsaren inshora don rufe da'awar tuki, amma jihar kuma ta san wasu hanyoyin biyan kuɗi da yawa. Waɗannan hanyoyin sun haɗa da:

• Tabbatar da shaidu

• Haɗin gidaje

• Adadin kuɗi

• Takaddun inshora na kai, don kasuwanci da ƙungiyoyin addini

Missouri Auto Insurance Plan

Idan kai direba ne mai haɗari, kamfanonin inshora suna da hakkin ƙin ɗaukar hoto. A wannan yanayin, Jihar Missouri tana kula da Shirin Inshorar Auto na Missouri don tabbatar da cewa duk direbobi sun sami dama ga inshorar abin alhaki na doka da ake buƙata. A ƙarƙashin wannan shirin, zaku iya neman inshora ta kowane kamfani mai izini.

Tabbacin inshora

Ana buƙatar direbobin Missouri su ɗauki takardar shaidar inshora a cikin motocinsu koyaushe. Idan ba ku da inshora lokacin da jami'in tilasta bin doka ya nemi hakan, ana iya ba ku tikitin zirga-zirga. Lokacin yin rijistar abin hawa, dole ne ku sami takardar shaidar inshora.

Siffofin da aka yarda da tabbacin inshora sun haɗa da:

• Katin ID na inshora daga kamfanin inshora mai izini

• Hoton katin inshorar ku akan wayar hannu ko wata na'urar lantarki

• Tabbacin SR-22 na Daftarin Haƙƙin Kuɗi, wanda shine tabbacin cewa kuna saduwa da buƙatun doka don inshora. Wannan yawanci ana buƙata ne kawai ga direbobi waɗanda aka yanke musu hukunci a baya don tukin buguwa ko tukin ganganci.

• Takaddun shaida ko takaddun doka daga Ma'aikatar Harajin Harajin da ke ba da tabbacin inshorar kai ko tabbatar da ajiyar kuɗi ko jinginar da aka yi amfani da shi don tabbatar da alhakin kuɗi.

Hukunce-hukuncen cin zarafi

Jihar Missouri tana da hukunce-hukunce da yawa waɗanda suka shafi waɗanda suka sami cin zarafin inshora:

• Dakatar da lasisin tuki da rajistar abin hawa na tsawon kwanaki 90 zuwa shekara 1

• Kudin dawowa da ke farawa a $20 a karon farko; $200 na kwafi na biyu; da $400 don ƙarin kwafi

• Da ake buƙata SR-22 yin rajista a cikin shekaru uku masu zuwa

Idan ba za ku iya tabbatar da cewa kuna da inshora ba lokacin da jami'in 'yan sanda ya janye ku, kuna iya samun tarar masu zuwa:

• Maki huɗu akan rikodin tuƙi na Missouri

• Odar kulawa, ma'ana cewa Ofishin Lasisin Tuƙi zai kula da matsayin inshorar ku.

Don ƙarin bayani, tuntuɓi Sashen Kuɗi na Missouri ta gidan yanar gizon su.