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

ʻO nā kaʻa a pau i hoʻopaʻa inoa ʻia ma New Jersey pono e hoʻopaʻa ʻia me ʻekolu ʻano o ka ʻinikua kuleana, a i ʻole "kuleana kālā." ʻO nā koi pili kālā liʻiliʻi no nā mea hoʻokele New Jersey penei:

• ʻO ka liʻiliʻi he $5,000 i loko o ka ʻinikua kuleana e uhi i ka pōʻino āu i hana ai i ka waiwai o nā poʻe ʻē aʻe.

• ʻO ka palena iki o $15,000 no ka pale ʻeha pilikino e uhi ana i nā lilo olakino inā ʻeha ʻoe a i ʻole nā ​​​​mea ʻē aʻe i kapa ʻia ma kāu kulekele i kahi pōʻino, ʻaʻohe mea nona ka hewa. He nui nā ʻoihana ʻinikua e ʻōlelo i kēia he "inikua hewa ʻole".

'O ia ho'i, 'o ka huina ha'aha'a loa o ke 'ai'ē kālā āu e makemake ai he $20,000 no ka 'Ai'a a me ka Ho'opalekana 'Injury a i 'ole ka uhi "No Fault".

• Pono pū ke kānāwai o New Jersey e hoʻokomo i kāu kulekele hoʻokele kaʻa kaʻa ʻaʻole i hoʻopaʻa ʻia a i ʻole underinsured, nāna e pale iā ʻoe inā pili ʻoe i kahi ulia pōpilikia me kahi kaʻa ʻaʻole i hōʻoia ʻia.

ʻO ka polokalamu ʻinikua kaʻa kūikawā

Ua kūpono nā kama'āina o New Jersey i kākau inoa ʻia i ka Federal Medicaid no ka New Jersey Special Auto Insurance Policy, a i ʻole SAIP. He kulekele ʻinikua maʻalahi kēia e uhi ana i nā koina olakino ma hope o kahi ulia kaʻa. Hāʻawi ka hapa nui o nā ʻinikua ʻae ma New Jersey i nā hoʻolālā ma lalo o SAIP.

hōʻoia o ka ʻinikua

He kānāwai koʻikoʻi ko New Jersey e pili ana i ka mea e hōʻoia ai i ka ʻinikua. Pono nā hui ʻinikua ʻae a pau ma New Jersey e hoʻopuka i nā kāleka hōʻoia no New Jersey no kēlā me kēia kaʻa i uhi ʻia e kahi kulekele ʻinikua. ʻO kēia kāleka wale nō ke ʻano hōʻoia o ka ʻinikua a pono e hoʻokō i kēia mau lula:

• Pono e hana ʻia ke kāleka me ka liʻiliʻi he 20 paona o ka waihona kāleka keʻokeʻo.

• Pono ka nui o ke kāleka ma waena o ʻekolu a ʻelima ʻīniha a me ʻelima a me ka hapa ʻewalu a me ka hapa ʻīniha.

Pono kēlā me kēia kāleka e hōʻike i kēia mau ʻike:

• Ka inoa ʻoihana ʻinikua

• ʻO nā inoa o ka poʻe a pau i uhi ʻia e ke kulekele ʻinikua a me kā lākou mau helu wahi e pili ana, pono e hōʻike ʻia ma ke kua o ke kāleka a pono e kūlike me ka helu wahi a lākou e hoʻohana ai no nā kumu olakino.

• Helu kulekele inikua

• ʻO ka mana a me nā lā pau o ke kulekele inikua

• Hana, hoʻohālike a me ka helu ʻike kaʻa

• Poʻomanaʻo "New Jersey Insurance Identification Card"

• Code hui 'inikua mana

• Ka inoa a me ka helu wahi o ka hui 'inikua a oihana paha

Pono e hōʻike ʻia kēia kāleka ma mua o ka nānā ʻana, ma kahi o kahi ulia pōpilikia, i ka wā e kū ai no ka uhai ʻana i ke kaʻa, a i ʻole i ka nānā ʻana i kāu kaʻa e kekahi luna kānāwai.

Hoʻopaʻi no ka uhaki

ʻO ka nele o ka 'inikua hiki ke hopena i ka uku. Inā hopu ʻia ʻoe e hoʻokele ana i kahi kaʻa i hoʻopaʻa ʻole ʻia ma New Jersey, hiki iā ʻoe ke hoʻopaʻi ʻia me:

• Nā palaki

• Na Hana Aupuni

• Laikini Laikini

• Uku inikua

No ka ʻike hou aku, e kelepona i ka New Jersey Motor Vehicle Commission ma o kā lākou pūnaewele.