Kev tuav pov hwm cov cai rau kev sau npe tsheb hauv Missouri

Missouri txoj cai lij choj hais tias txhua tus tswv tsheb yuav tsum muaj kev tuav pov hwm tsheb lossis "kev lav phib xaub" txhawm rau kom muaj kev cai lij choj los yog siv lub tsheb.

Missouri qhov kev lav phib xaub yam tsawg kawg nkaus rau cov neeg tsav tsheb yog raws li hauv qab no:

• Yam tsawg kawg $25,000 rau ib tus neeg rau tus kheej raug mob lossis tuag. Qhov no txhais tau tias koj yuav tsum muaj tsawg kawg yog $ 50,000 nrog koj kom them tsawg tshaj plaws ntawm cov neeg koom nrog kev sib tsoo (ob tus neeg tsav tsheb).

• $10,000 yam tsawg kawg nkaus rau kev puas tsuaj rau vaj tse

• Yam tsawg kawg $25,000 rau ib tus neeg rau ib tus neeg tsav tsheb tsis muaj kev pov hwm. Qhov no txhais tau hais tias koj yuav xav tau tag nrho $ 50,000 txhawm rau them tsawg tshaj plaws ntawm cov neeg koom nrog kev sib tsoo (ob tus neeg tsav tsheb).

Qhov no txhais tau tias tag nrho qhov tsawg kawg nkaus nyiaj txiag lav koj yuav xav tau yog $110,000 rau kev raug mob ntawm lub cev thiab kev puas tsuaj ntawm cov khoom.

Lwm hom kev lav ris nyiaj txiag

Cov neeg tsav tsheb feem ntau hauv Missouri them rau cov phiaj xwm kev tuav pov hwm los them rau kev lav phib xaub ntawm kev tsav tsheb, tab sis lub xeev kuj lees paub ntau lwm txoj kev lav nyiaj txiag. Cov txheej txheem no suav nrog:

• Guaranteed daim ntawv cog lus

• Daim ntawv cog lus vaj tse

• Nyiaj ntsuab deposits

• Daim ntawv pov thawj tus kheej, rau cov lag luam thiab cov koom haum kev ntseeg

Missouri Auto Insurance Plan

Yog tias koj yog ib tus neeg tsav tsheb uas muaj kev pheej hmoo siab, cov tuam txhab pov hwm muaj cai tsis kam lees them. Hauv qhov no, Lub Xeev Missouri tswj hwm Missouri Auto Insurance Program los xyuas kom meej tias txhua tus neeg tsav tsheb tau nkag mus rau kev pov hwm kev lav phib xaub raws cai. Raws li txoj kev npaj no, koj tuaj yeem thov kev pov hwm los ntawm ib lub tuam txhab pov hwm kev tso cai.

pov thawj ntawm kev pov hwm

Cov neeg tsav tsheb Missouri yuav tsum nqa daim ntawv pov hwm pov hwm hauv lawv lub tsheb txhua lub sijhawm. Yog tias koj tsis muaj ntawv pov hwm thaum tus tub ceev xwm nug txog nws, koj yuav raug muab daim pib tsav tsheb. Thaum sau npe tsheb, koj yuav tsum muaj daim ntawv pov thawj pov hwm.

Cov ntaub ntawv pov thawj ntawm kev pov hwm pom zoo suav nrog:

• Insurance ID-card los ntawm lub tuam txhab kev pov hwm tso cai

• Duab ntawm koj daim ntawv pov hwm ntawm koj lub xov tooj ntawm tes lossis lwm yam khoom siv hluav taws xob

• Ib daim ntawv pov thawj SR-22 Daim Ntawv Pov Thawj ntawm Lub Luag Haujlwm Nyiaj Txiag, uas yog pov thawj tias koj ua tau raws li kev cai lij choj rau kev pov hwm. Qhov no feem ntau tsuas yog xav tau rau cov neeg tsav tsheb uas tau raug txim yav dhau los rau kev qaug cawv los yog tsav tsheb tsis zoo.

• Daim ntawv pov thawj lossis cov ntaub ntawv raug cai los ntawm Lub Tsev Haujlwm Saib Xyuas Nyiaj Tau Los ua pov thawj ntawm kev pov hwm tus kheej lossis pov thawj cov nyiaj ntsuab los yog daim ntawv cog lus siv los tiv thaiv kev lav nyiaj txiag.

Kev nplua rau kev ua txhaum cai

Lub xeev Missouri muaj ntau qhov kev nplua uas siv rau cov neeg uas raug kev pov hwm txhaum cai:

• Kev ncua ntawm daim ntawv tsav tsheb thiab kev sau npe tsheb rau lub sijhawm 90 hnub mus rau 1 xyoo

• Tus nqi rov qab uas pib ntawm $ 20 thawj zaug; $200 rau daim ntawv thib ob; thiab $400 rau cov ntawv luam ntxiv

• Yuav tsum tau ua ntaub ntawv SR-22 hauv peb lub xyoos tom ntej

Yog tias koj tsis tuaj yeem ua pov thawj tias koj muaj ntawv pov hwm thaum koj raug rub los ntawm tub ceev xwm, koj tuaj yeem tau txais cov nyiaj nplua hauv qab no:

• Plaub lub ntsiab lus ntawm koj cov ntaub ntawv tsav tsheb Missouri

• Kev saib xyuas kev txiav txim, txhais tau hais tias koj qhov xwm txheej pov hwm yuav raug saib xyuas los ntawm Lub Chaw Haujlwm Tsav Tsheb Tsav Tsheb.

Yog xav paub ntxiv, hu rau Missouri Department of Revenue los ntawm lawv lub vev xaib.