Nā koi 'inikua no ka hoʻopaʻa inoa ʻana i kahi kaʻa ma Minnesota

Pono ka Minnesota Department of Driver and Vehicle Services i nā mea hoʻokele a pau e loaʻa ka ʻinikua kaʻa hewa ʻole a i ʻole "kuleana kālā" e kōkua i ka uhi ʻana i ke kumukūʻai o ka pōʻino a me ka ʻeha e pili ana i kahi ulia kaʻa.

Aia i loko o Minnesota's Minimum Drivers' Financial Liability he 'ekolu 'ano o ka 'inikua aie, pono e ho'okō 'ia kēlā me kēia me ka palena li'ili'i o ka uhi.

• ʻAʻohe ʻinikua hewa a i ʻole hoʻomalu hōʻeha pilikino e uku i kāu mau pili olakino a me ka nalowale o ka loaʻa kālā inā ʻeha ʻoe i kahi ulia pōpilikia ma ke ʻano he mea hoʻokele a i ʻole kaʻa, me ka nānā ʻole i ka mea i hewa i ka ulia. Pono ʻoe e loaʻa ka liʻiliʻi o $20,000 no ka ʻinikua olakino a me ka liʻiliʻi o $20,000 no ka nalowale o ka loaʻa kālā.

• Hoʻopili ka ʻinikua kuleana i nā ʻeha a me nā pōʻino waiwai i loaʻa e nā poʻe ʻē aʻe inā ʻike ʻia ʻoe i kahi ulia pōpilikia. Pono ʻoe e lawe ma lalo o $30,000 no nā ʻeha kino o kēlā me kēia kanaka, ʻo ia hoʻi, ʻo ka huina haʻahaʻa āu e lawe ai he $60,000 no ka uhi ʻana i ka helu liʻiliʻi loa o nā kānaka i komo (ʻelua mau mea hoʻokele). Pono ʻoe e lawe pū me ʻoe ma kahi o $10,000 inā pilikia ka waiwai.

• Hoʻopili ka ʻinikua kaʻa kaʻa ʻole i nā koina olakino ma mua o kou pale ʻana i ka hōʻeha inā pili ʻoe i kahi ulia pōpilikia me kahi kaʻa kaʻa ʻole. ʻO ka huina liʻiliʻi e koi ʻia no ka ʻinikua kaʻa kaʻa ʻole he $50,000.

ʻO ia ke ʻano o ka huina o ka ʻinikua palena liʻiliʻi no nā mea hoʻokele ma Minnesota he $160,000.

ʻO nā ʻano ʻinikua ʻē aʻe

ʻOiai ʻaʻole koi ʻo Minnesota i nā ʻano ʻinikua ʻē aʻe, hiki iā ʻoe ke noʻonoʻo i ka uhi hou no ka pale hou ʻana i ka wā o kahi ulia. Aia kēia me:

• 'Inikua ho'oku'i e uku no ka poino o kou ka'a ma kahi ulia.

• Hoʻopili piha e uku no ka pōʻino ʻole o kāu kaʻa.

• Hoʻolimalima hoʻolimalima e uhi i ke kumukūʻai o ka hoʻolimalima i koi ʻia.

Hoʻolālā ʻinikua kaʻa ʻo Minnesota

Hiki i nā hui ʻinikua āpau ma Minnesota ke hōʻole i ka uhi no nā mea hoʻokele koʻikoʻi. I mea e loaʻa ai i kēia mau mea hoʻokele ka uhi kānāwai e pono ai lākou, hiki iā lākou ke hoʻokaʻaʻike i nā mea hoʻolako inikua i koho ʻia ma o ka Minnesota Motor Insurance Plan a i ʻole MNAIP. ʻO nā hui i hōʻole mua i ka uhi ʻana i kekahi mau mea hoʻokele pono e hāʻawi i ka uhi ma lalo o ka Minnesota Automobile Insurance Plan.

hōʻoia o ka ʻinikua

Pono nā mea hoʻokele kaʻa ma Minnesota e lawe i kahi palapala hōʻoia me lākou i nā manawa a pau. Pono ʻoe e hōʻike i ka hōʻoia o ka ʻinikua i kahi luna hoʻokō kānāwai ma ke noi. Pono ʻoe e hoʻopaʻa inoa i kāu kaʻa.

ʻO nā ʻano hōʻoia o ka ʻinikua e ʻae ʻia:

• Kāleka ʻinikua mai kahi hui ʻinikua ʻae ʻia

• Ke kope o kāu kulekele inikua

• Palapala mai kāu hui ʻinikua

No ka hoʻopaʻa inoa ʻana i kahi kaʻa a i ʻole e hoʻohou i kāu hoʻopaʻa inoa ʻana, pono e loaʻa i kāu palapala hōʻoia kēia mau ʻike:

• Ka inoa ʻoihana ʻinikua

• Helu ʻinikua

• Ka wā kūpono o nā kulekele

Hoʻopaʻi no ka uhaki

Inā ʻaʻohe ʻinikua kūpono ma Minnesota, hiki iā ʻoe ke hoʻopaʻi i kekahi o kēia mau hoʻopaʻi:

• ʻŌlelo e pili ana i ka hewa

• Ka manawa paʻahao

• Hoʻokuʻu ʻia ka laikini kaʻa

• Hoʻopaʻa inoa kaʻa

• $30 uku no ka laikini hou

No ka 'ike hou aku, e kelepona aku i ka Minnesota Department of Public Safety's Division of Driver and Vehicle Services ma o ko lakou punaewele.