Nā koi 'inikua no ka hoʻopaʻa inoa kaʻa ma Indiana
No ka hoʻokele kaʻa ma ke kānāwai ma Indiana, pono ʻoe e hōʻano hou i kāu kau inoa kaʻa me ka Bureau of Motor Vehicles i kēlā me kēia makahiki. No ka hana ʻana i kēia, pono ʻoe e hāʻawi i ka hōʻoia e loaʻa iā ʻoe ka ʻinikua kuleana koi.
ʻO ka ʻinikua liʻiliʻi liʻiliʻi i koi ʻia no nā mea nona nā kaʻa ma lalo o ke kānāwai Indiana penei:
$10,000 i loko o ke kuleana pōʻino waiwai, e uhi ana i ka pōʻino o kāu kaʻa i ka waiwai o kekahi (e like me nā hale a i ʻole nā hōʻailona alanui).
$25,000 no ka ʻinikua hōʻeha pilikino i kēlā me kēia kanaka; 'o ia ho'i, 'o ka huina ha'aha'a loa e pono ai i ka mea ho'okele no ka 'inikua hō'eha kino he $US 50,000 XNUMX no ka uhi 'ana i ka heluna li'ili'i loa o ka po'e i komo i ka ulia pōpilikia ('elua mau mea ho'okele).
'O ia ho'i, he $60,000 ka nui o ka 'inikua kuleana i koi 'ia no nā mea ho'okele Indiana.
Pono pū ke kānāwai Indiana i ka 'inikua no nā kaʻa kaʻa ʻaʻole i hoʻopaʻa ʻia a me ka underinsured, e uhi ana i nā kumukūʻai inā loaʻa kahi ulia pōpilikia e pili ana i kahi mea hoʻokele i loaʻa ʻole ka nui o ka uhi i koi ʻia e ke kānāwai. ʻO nā helu liʻiliʻi no kēlā me kēia ʻano penei:
Pono e like ka ʻinikua kaʻa kaʻa ʻaʻole i hoʻopaʻa ʻia me ka palena liʻiliʻi no ka ʻinikua kuleana ma Indiana ($60,000).
He $50,000 ka 'inikua kaʻa kaʻa ʻole.
ʻO nā ʻano ʻinikua ʻē aʻe
ʻOiai ʻo kēia mau ʻano ʻinikua kuleana wale nō nā ʻano koi, ʻike ʻo Indiana i nā ʻano ʻinikua ʻē aʻe no ka uhi hou. Aia kēia me:
ʻO ka hoʻopiʻi pono lapaʻau e uhi ana i ke kumu kūʻai o ka lapaʻau ʻana a i ʻole ka hoʻolewa ʻana ma muli o kahi ulia pōpilikia.
ʻO ka ʻinikua piha e uhi ana i ka pōʻino o kāu kaʻa ʻaʻole ma muli o kahi ulia (e laʻana, nā pōʻino i hana ʻia e ka ʻino).
ʻO ka 'inikua hoʻokuʻi, e uhi ana i ke kumukūʻai o ka pōʻino o kāu kaʻa he hopena pololei ia o kahi ulia kaʻa.
ʻO kahi hoʻolimalima hoʻolimalima e uku no ka hoʻohana ʻana i kahi kaʻa hoʻolimalima ʻoiai e hoʻoponopono ʻia ana kāu kaʻa ma hope o kahi ulia pōpilikia.
ʻO ka uhi ʻana o Gap, e uhi ana i ke koena o ka hoʻolimalima a i ʻole ka uku hōʻaiʻē kaʻa inā ʻoi aku ka nui o ka waiwai o ke kaʻa ma mua o ka nui o ka aie.
Nā Māhele Kūʻai a me nā lako, e uhi ana i ke kumukūʻai o ka hoʻololi ʻana i nā hoʻomaikaʻi maʻamau ʻole ma luna o kahi kaʻa i pōʻino i kahi pōʻino.
Palapala Kikokikona
Ma Indiana, pono nā hui ʻinikua e hōʻike i ka BMV mokuʻāina inā hāʻawi ʻia kahi kaʻa i kahi tikiki a i ʻole he ulia pōpilikia. Hoʻohana ʻia kēia palapala hōʻoia ma ke ʻano he hōʻoia o ka ʻinikua e hōʻike i ke aupuni e hālāwai ana ka mea hoʻokele i ka liʻiliʻi liʻiliʻi. Inā ʻaʻole i waiho ʻia kēia palapala hōʻoia i loko o 40 mau lā mai ka lā, e waiho ʻo BMV i kahi noi a hiki iā ʻoe ke hoʻokuʻu ʻia kāu laikini kaʻa.
Hoʻopaʻi no ka uhaki
ʻO ke kaʻa ʻana me ka ʻinikua ʻole ma Indiana hiki ke lilo i kāu laikini kaʻa no ka makahiki piha.
Inā ʻike ʻia ʻoe i ka hewa o ka hoʻokele hoʻokele ʻole, e like me ka hoʻokele ʻona, pono paha ʻoe e hāʻawi i kahi SR-22 Financial Liability Document e hōʻoiaʻiʻo ana ua loaʻa iā ʻoe ka ʻinikua kuleana e koi ʻia mai kahi hui ʻinikua ʻae ʻia.
No ka ʻike hou aku, e kelepona i ka Indiana Bureau of Motor Vehicles ma kā lākou pūnaewele.
