Andrew Dunn

Inshuwaransi SR-22: ndi chiyani ndipo ndi ndalama zingati

Cholinga chathu ndikukupatsani zida ndi chidaliro chomwe mukufunikira kuti muwongolere chuma chanu. Ngakhale timalandira chipukuta misozi kuchokera kwa obwereketsa anzathu, omwe timawafotokozera nthawi zonse, malingaliro onse ndi athu. Powonjezeranso ngongole yanu yanyumba, chiwongola dzanja chonse chikhoza kukhala chokwera pa moyo wangongole.
Malingaliro a kampani Credible Operations, Inc. NMLS #1681276, pambuyo pake imatchedwa “odalirika.”

Ngati muli ndi mbiri yapamsewu kapena zolakwa zoyendetsa galimoto, dziko lanu lingafunike zomwe zimatchedwa inshuwaransi ya SR-22. M’malo mwake, SR-22 si inshuwaransi konse – ndi fomu yochokera ku kampani yanu ya inshuwaransi yomwe muli ndi ndondomeko yomwe imakhudza ngongole zanu zachuma ngati mutachita ngozi.

Izi ndi zomwe muyenera kudziwa pakupeza SR-22:

Kodi inshuwaransi ya SR-22 ndi chiyani?

SR-22 si mtundu wa inshuwaransi – ndi mtundu wotsimikizira kuti muli ndi inshuwaransi yokwanira pagalimoto. Imadziwikanso ngati satifiketi yaudindo wazachuma. Kampani yanu ya inshuwaransi imatumiza Fomu ya Inshuwaransi SR-22 ku boma lanu kuti zitsimikizire kuti muli ndi inshuwaransi yovomerezeka m’boma lanu.

Mayiko ambiri amalipiritsa madalaivala chifukwa cha kuvulala kwathupi kwa $25,000 mpaka $50,000 pa munthu aliyense ndi $50,000 ndi $100,000 kwa anthu angapo ovulala pangozi.

Kuphatikiza apo, mayiko ambiri amafunikira chiwopsezo cha kuwonongeka kwa katundu pakati pa $10,000 ndi $25,000. Fomu yanu ya SR-22 idzayang’ana ngati inshuwalansi yanu ikukwaniritsa zofunikira za boma lanu.

Kodi inshuwaransi ya SR-22 ndiyofunika ndi lamulo?

Bwalo lamilandu kapena Dipatimenti Yoyang’anira Magalimoto m’boma lanu lingafunike SR-22 kuti iwonetsere kuti muli ndi inshuwalansi ya galimoto yokwanira kuti mukhale ndi udindo pazachuma pakagwa ngozi.

Maiko ambiri amafunanso kuti mufaye SR-22 kuti mubwezere laisensi yanu itayimitsidwa kapena kuyimitsidwa, kapena pambuyo pamilandu ina yagalimoto, kuphatikiza:

  • Kuyendetsa movutikira (DUI) kapena kuyendetsa moledzera (DWI)
  • kuyendetsa mosasamala
  • Kuyendetsa popanda inshuwaransi
  • Milandu ingapo pakanthawi kochepa

Muyenera kusunga SR-22 pafayilo kwa chaka chimodzi kapena zitatu, kutengera momwe mulili.

kulipira: Kodi inshuwaransi yanga ikwera bwanji nditatha tikiti yothamanga?

Kodi FR-44 ndi chiyani?

FR-44 ndi umboni winanso waudindo wazachuma, koma wofunikira kwambiri. Mukatumiza SR-22, nthawi zambiri mumatsimikizira kuti muli ndi inshuwaransi yamagalimoto yofunikira ndi malamulo a boma. Ndi FR-44, muyenera kusunga malire anu ofikira kwambiri – nthawi zambiri kuwirikiza kawiri kuchuluka kwalamulo.

Mwachitsanzo: Ku Virginia, madalaivala nthawi zambiri amayenera kunyamula inshuwaransi yovulaza thupi ya $30,000 kwa munthu m’modzi ndi $60,000 kwa anthu awiri kapena kupitilira apo. Kuphatikiza apo, madalaivala aku Virginia ayenera kukhala ndi inshuwaransi yosachepera $20,000 ya inshuwaransi yowononga katundu. Ngati mukuyenera kuti mupereke FR-44, malire anu ofikira ayenera kukhala osachepera kuwirikiza kawiri kuposa zomwe boma likuchita.

Ndi mayiko awiri okha omwe amagwiritsa ntchito mitundu ya FR-44: Florida ndi Virginia.

Mungafunike kuti mupereke FR-44 ngati mwaweruzidwa pamilandu yoopsa kwambiri yokhudzana ndi galimoto yanu, monga kuvulaza munthu pamene mukuyendetsa galimoto.

Kodi SR-22 Lockout imagwira ntchito bwanji?

Ngati dziko lanu likugwiritsa ntchito fomu ya SR-22, malamulo a boma adzafotokozedwa pamene akufunika – makamaka pambuyo pa zolakwa zinazake zoyendetsa galimoto. Ngati mwapezeka olakwa pa chimodzi mwa zophwanya malamulowa, khoti nthawi zambiri limalamula kuti mutsegule SR-22, kapena dipatimenti yowona za magalimoto m’boma idzakudziwitsani kuti muyenera kulembetsa kuti musunge kapena kubweza laisensi yanu yoyendetsa.

Kuti mupereke SR-22, funsani wothandizira inshuwalansi ndipo muwauze kuti muyenera kulemba SR-22, ndipo kampani ya inshuwalansi idzapereka izi ku boma.

Zabwino kudziwa: Ngati wothandizira inshuwalansi sapereka chithandizo kwa anthu omwe ali ndi SR-22s, muyenera kugula ndondomeko ndi wothandizira watsopano yemwe amachita. Wothandizira inshuwalansi nthawi zambiri amakulipirani ndalama zowonjezera kuti mupereke fomu ya SR-22. Mutha kukhalanso ndi chiwopsezo chokwera, popeza SR-22 ndi chisonyezo chakuti ndinu woyendetsa kwambiri.

Mukakhala ndi SR-22, kampani yanu ya inshuwaransi idzadziwitsa boma nthawi yomweyo ngati chithandizo chanu chatha kapena ngati mukulephera kukonzanso ndondomeko yanu. Nthawi zambiri mudzafunika kusunga SR-22 kwa chaka chimodzi kapena zitatu, ngakhale mayiko ena amafunikira nthawi yayitali. Ngati muli ndi zophwanya zina mukamalandira dongosolo lanu la SR-22, nthawi yanu ikhoza kukulitsidwa.

Fananizani inshuwaransi yamagalimoto kuchokera kumakampani oyendetsa bwino kwambiri

  • ZONSE PA INTANETI: Gulani inshuwaransi yagalimoto nthawi yomweyo
  • Fananizani mawu ochokera kumakampani a inshuwaransi yamagalimoto omwe ali ovotera kwambiri m’dera lanu
  • Palibe sipamu, kuyimba foni, mawu abodza kapena zabodza

Pezani ndalama za inshuwaransi tsopano

Kodi inshuwaransi ya SR-22 ikufunika kuti?

Mayiko ambiri ali ndi zofunikira za SR-22, ngakhale sizichitika konsekonse. Mayiko ena angafunike kuti mupereke mtundu wina wa umboni wa inshuwaransi mutasamutsa chindapusa, monga kukopera khadi lanu la inshuwaransi.

Onani tebulo ili m’munsili kuti muwone ngati dziko lanu lili ndi zofunikira za SR-22:

SR-22 State Zofunikira
Ali ndi zofunikira za SR-22 Ilibe zofunikira za SR-22
Alabama Connecticut
Alaska Delaware
Arizona Kentucky
Arkansas Louisiana
California Massachusetts
Colorado Michigan
Chigawo cha Columbia Minnesota
Florida New Jersey
Georgia New Mexico
Hawaii New York
Idaho North Carolina
Illinois Oklahoma
Indiana Pennsylvania
Inde West Virginia
kansa
WHO
Maryland
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
North Dakota
Ohio
Oregon
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Wisconsin
Wyoming

Kodi SR-22 Non-Owner’s Inshuwalansi ndi Chiyani Ndipo Ndi Yofunika?

Inshuwaransi ya SR-22 Non-Owner’s Inshuwalansi ndi ya anthu omwe alibe galimoto koma ayenera kusunga SR-22 ndi dziko lawo.

Nthawi zambiri, SR-22 imatsimikizira kuti muli ndi inshuwaransi yofunikira pagalimoto yomwe muli nayo. Ngati mulibe galimoto, mutha kupeza inshuwalansi ya galimoto yomwe si eni eni yomwe imaphatikizapo SR-22. Izi zidzakhudza magalimoto aliwonse omwe mumayendetsa, monga galimoto ya anzanu.

Ngati layisensi yanu yoyendetsa yayimitsidwa, dziko lanu lingafune kuti mugule inshuwalansi ya galimoto yomwe si eni eni ndi satifiketi ya SR-22 kuti mubwezeretse.

Pazochitika zina, fufuzani ndi Dipatimenti Yoyang’anira Magalimoto m’boma lanu kuti mudziwe zomwe zikufunika.

Dziwani zambiri: Kodi ndingatanitse inshuwaransi yagalimoto yomwe siili m’dzina langa?

Kodi SR-22 ndi inshuwaransi yochuluka bwanji?

Mtengo wa inshuwaransi ya SR-22 ukhoza kusiyana mosiyanasiyana, koma nthawi zambiri umakhala wokwera mtengo kuposa inshuwaransi yagalimoto yamadalaivala omwe ali ndi mbiri yabwino.

Makampani a inshuwalansi nthawi zambiri amadula ndondomeko zawo potengera zomwe akuganiza kuti ali ndi chiopsezo. Izi zimatengera mbiri yanu yoyendetsa galimoto (zolakwa zamagalimoto ndi ngozi zapamsewu), komanso mbiri yanu yangongole, zaka, ndi komwe mukukhala. Ngati mukuyenera kuyika SR-22, mutha kukhala ndi zophwanya mbiri yanu yoyendetsa galimoto zomwe zingawonjezere mtengo wa inshuwaransi yanu.

Malipiro a inshuwalansi ya galimoto m’dziko lonselo amakhala pafupifupi $1,204 pachaka, malinga ndi National Association of Insurance Commissioners. Mutha kuyembekezera kulipira zambiri kuposa pamenepo ngati muli ndi SR-22.

Mutha kukumana ndi chindapusa ndi ndalama zina mukamachita ndi inshuwaransi ya SR-22. Mwachitsanzo, dziko lanu lingafunike kulipira chindapusa kuti mupereke Fomu ya SR-22. Makampani a inshuwalansi amakondanso kulipiritsa ndalama zochepa – nthawi zambiri pakati pa $ 25 ndi $ 50 – kuti apereke fomuyi ku dziko lanu.

Nthawi zambiri mudzalipira SR-22 yolembera kutsogolo pamene ndondomekoyi yachotsedwa. Kwa makampani ena a inshuwaransi, iyi ndi chindapusa cha nthawi imodzi, pomwe ena angakulipireni kumayambiriro kwa nthawi yatsopano iliyonse malinga ngati SR-22 ikufunika.

Ndani ali ndi inshuwaransi yotsika mtengo ya SR-22?

Nthawi zonse ndibwino kugula inshuwaransi yagalimoto, koma ndizofunikira kwambiri ngati mukufuna kulembetsa SR-22. Kampani ina ya inshuwaransi ingapereke mitengo yotsika kwambiri kuposa imene akupikisana nayo.

Funsani mtengo kuchokera kumakampani angapo a inshuwaransi, ndikuyerekeza mitengo ndi zomwe amapereka. Iyi ndiye njira yabwino kwambiri yowonetsetsera kuti mumapeza ndalama zabwino.

malangizo: Lankhulani ndi wothandizira inshuwalansi kuti muwonetsetse kuti mitengo yomwe mumatchula ikuphatikiza SR-22. Si makampani onse a inshuwaransi omwe amaphimba madalaivala omwe amafunikira SR-22.

Werengani pa: Momwe mungapezere inshuwaransi yamagalimoto popanda chilolezo

Fananizani inshuwaransi yamagalimoto kuchokera kwa othandizira akuluakulu

  • Zochitika zonse za digito – Lembani mafomu anu onse a inshuwaransi pa intaneti, osafunikira kuyimbira foni!
  • Top Oveteredwa Onyamula Sankhani kuchokera mgulu lamakampani odziwika bwino a inshuwaransi yamagalimoto adziko lonse ndi zigawo.
  • chinsinsi cha data – Sitigulitsa zidziwitso zanu kwa anthu ena, ndipo simudzalandira mafoni osafunika kuchokera kwa ife.

Pezani ndalama za inshuwaransi tsopano

Chodzikanira: Ntchito zonse zokhudzana ndi inshuwaransi zimaperekedwa ndi Young Alfred.

Za wolemba

Andrew Dunn

Andrew Dunn ndi wolemba ngongole yemwe wapambana mphoto komanso wobwereketsa yemwe ali ndi zaka khumi zokumana nazo pantchitoyi ndi zolemba zosindikizidwa mu Fox Business, LendingTree, Credit Karma, Axios Charlotte, ndi zina zambiri.

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