IiNyanga, iNgcaciso, ukuDalulwa, amabango, kunye nokuLinda ukuPhuma
Oko kwanezela enye intlungu kwinto enokuba yinto emide, embi engabandakanyeka komsebenzi osemthethweni ongaphantsi, umxhasi ongenelisekanga , kunye ne-suitpressing suit, nangona ubuncinci. Ngethemba lokuphepha i-apocalypse engcali? Nantsi into ekufuneka uyiqwalasele xa ucinga nge-inshorensi yobunini-mboleko.
Yintoni Enye Yonke Eyona Enye Eyenzayo?
Lona alukho uhlobo lohlobo oluthile lwabo osebenza nabo abathanda ukuthetha. Iiproyamu ezandisiweyo ngenxa yephutha elimangalayo kwinxalenye yommeli ongazange ahlale kakuhle nomthengi athambe ukuba angabikho isidlo sokuxoxisana nabantu abaqhelekileyo, ngokukodwa abo bafumana ukhuphiswano. Ngubani ohlala kwicala eliqinisekisiwe locingo eliqhayisa malunga nama-premium? Mhlawumbi sonke siyavuma ukuba, kunengqiqo ukuba kulandelelaniswe isixa esiphezulu sobhengezo ngelixa uzama ukuhlawula kangangoko kunokwenzeka.
Ngaba Unako Ukuhamba ngaphandle koKhuseleko lweZakhono?
Ngaba uhamba uhamba?
Ukuba uqhuba umthetho e-Oregon, mhlawumbi awuyi kufuna ukuba i-inshurensi iyadingeka apho, nangona kukho okunye. Ezinye iindibano zithandana neemfuno ze-inshorensi eziyimfuneko malunga neminyaka. Amanye amazwe afuna amagosa ukuba achaze ukuba abanalo i-inshorensi yemfanelo yobungcali, kubaxhasi okanye kwabanye.
Ihluka. Izivumelwano zobudlelwane zingachaza ukuba iqumrhu kunye neqabane ngalinye liya kuthiwa ngama-insureds. Abaxhasi be-Savvy kunye namaziko karhulumente angakufuna ukuba ubonise ukuba uyagqirha ngaphambi kokuba abhalise kunye nawe, kwaye inkundla inokufuna ubungqina benkxaso kwiimeko ezithile, ngokomzekelo, ukuba igqwetha liqinisekiswe njengomlamli.
Ekugqibeleni, ukuba awufunwa ngummiselo okanye imeko ukuba ube ne-inshurensi yokungasebenzi, nokuba uyakwenza okanye awuyi kuzimisela ngumsebenzi wakho, imeko yakho yezemali kunye nokuzimisela kwakho ukwamukela umngcipheko. Inani lemali oyi-premium ozimiseleyo kwaye uyakwazi ukuhlawula, ubukhulu becala ozimisele ukuyithwala, kunye nemida yomgaqo-nkqubo (ngokufutshane, ubungakanani benkcazo) yonke into ekufuneka iqwalaselwe ngayo.
Imigaqo yeeNkcitho zeNtsholongwane zoMshuwalense zisebenza njani?
Xa ucinga nge-inshorensi yokungasebenzi kwe-inshorensi, uya kufuna ukwazi iinkcukacha malunga nomgaqo-nkqubo, ngokubhekiselele oko kuthethwa ngokukodwa kunye noko kungenjalo. Imigaqo-nkqubo yemfanelo yamatyala igqithise ukuba yimimiselo eyenziwa yimigaqo-nkqubo, oko kuthetha ukuba isaziso esibhaliweyo sebango ngexesha lepolisi liyimfuneko yokukhawuleza ukufaka isenzo esingalunganga esenziwa ngexesha lomgaqo-nkqubo.
Ingaba unako ukufumana ingqalelo kwizenzo zangaphambili ezenzeka ngaphambi kokuba iqela lomgaqo-nkqubo lithembele. Unokufuna kwakhona umgaqo womsila weebango ezenziwe emva kokupheliswa komgaqo-nkqubo wezenzo ezenziwe ngexesha lomgaqo-nkqubo. Umshwalense we-inshorensi wezomthetho awufani nomgaqo-nkqubo we-inshorensi yemoto apho kubonakala khona ukukhutshwa kwephepha, yithi, ingozi. Yaziwa ngokuba ngumgaqo- mvelaphi .
Hlalani Ulungele Ukutyhila Iinkqubo Zakho Zoshishino kunye neenkcukacha
Ekufuneni ukuhanjiswa, ummeli wenkampani uya kufuneka ukuba azalise isicelo esinokuthi sihambe ngaphezu kolwazi oluyisiseko njengemimandla yenkqubo, ukukhutshwa kwangaphambili, kubandakanywa iiprayimari kunye nezithintelo, kunye nemicimbi yokulawulwa komthetho
- iinkqubo zokukhwela,
- uhlobo lweengxabano zokuvavanya ezisetyenzisiweyo,
- inkqubo yokufaka umthengi kwinkqubo kubandakanya ukusetyenziswa, ukungahambisani, kunye neencwadi zokungabikho, kunye
- ingaba ifayili ifake i-suit against nabaxhasi ukuqokelela imali engakhokhelwa .
Ingaba naliphi na iqela leenkampani liye laphantsi koqeqesho oluqeqeshekileyo, nokuba ngaba liye lahlwaywa, nokuba ngaba kukho naziphi na iimeko apho iqela liyakwazi ukukhupha ibango kuya kufuneka ukuba lichazwe. Amagqwetha ngabanye angadinga ukuba afakwe kuhlu, kunye neendima zabo, iiyure ezisebenzayo, nokuba ngaba bona ngokwabo baye baqhubela phambili ukukhawuleza. Abaqinisekisi bangase babuze malunga nokuba ngaba nawaphi na oommeli abanomsebenzi njengabalawuli okanye abaphathi bamakhasimende. Akukho fom yesicelo ehambelanisiweyo; ulwazi olufunwa yiphina inshurensi inokuhluka.
Eminye imimandla yoqheliselo inika ukuvelisa amabango amaninzi. Iingxowa kunye neendawo kunye neengxaki zivame ukuvelisa inani elungileyo leemangalo zokungasebenzi, njengendlela yokuziphatha kunye nezobambiso.
Kucacisa ukuba umgcini-mali uyafuna ukuvavanya umngcipheko wakhe kwaye wenza njalo ngokucela abameli ukuba bachaze ulwazi malunga nendlela abaqhuba ngayo izenzo zabo. Mhlawumbi nayiphi na ingcali yomthetho inokuqonda ukungafani kwamashishini omthetho asebenzayo, ukusuka ekugqibeleni ukuya kwi-sloppy-bottom sloppy. Ngokuqinisekileyo, umculi wesikolo esikhulileyo esinamaqela ekhompyuthela engqubana nokubhekisana kunokubangela ukuba kukhangeleke kule ndlela-indlela-esetyenziswa ngayo. Kodwa ngokwenene, ngaba uhlobo lwenkqubo enokuthi iqiniseke into enokuthi ifunekayo ukuba yenze umvuzo xa kukho ilahleko kuyo? Ngeminyaka yobudala be-cyberterrorism, i-insurers bafuna ukwazi ukuba iirekhodi zeefayile zomthetho zikhuselekile kwaye iinkqubo zazo zisebenza ngokupheleleyo.
Ukwazi nokwazisa
Amagqwetha angabameli, abanokulingwa ngokungathandabuzekiyo malunga nezicelo zabo kodwa baqinisekise ukuba basebenza kwindawo engabonakaliyo yomthetho, ngokukodwa ngokumalunga nanoma yiyiphi 'ulwazi' abanokuba nakho kwimeko ebenokuyenza kuphakama kwibango. Le yindawo enobungozi. Khawubheke nje i-caselaw apho umgcini-inshurensi ufuna khona-ngempumelelo-ukuchithwa komgaqo-nkqubo apho i-insured yayingathembekanga. Ingaba nzima ngakumbi kunokuba kuthathwa njengokuba wenze i-malpractice kuphela ukuba ufumanise ukuba awuyi kuhlanganiswa nayo?
Njengoko kunzima njengokuba oku kubakho, ukufunda ukuprintwa komncinci wenkqubo kungabangela ukukhanya. Amagqwetha ngeemeko ezithile angathanda ukucacisa nokuba kwaye ziphakanyiswe kangakanani na; I-coverage ayikho 'ngokuzenzekelayo' kubameli beenkontileka, okanye isiluleko, okanye amagqwetha anxulumene nenkampani ngokubhekiselele kwimicimbi ethile. Kwimimandla esemthethweni yomhlaba yanamhlanje, ngubani owenza oko ungatshintsha ngokuthe rhoqo ukuba amagosa avume iigigs ezifutshane, ngaloo ndlela aziphathe ngokungakumbi njengama-freelancers. Njengoko iifemu zomthetho ziyadibanisa okanye zichithe, njengabagwebi babelana ngesithuba seofisi kunye nomsebenzi wokugqithisa usuka kwelinye igqwetha ukuya kwelinye. Uya kufuna ukubeka ingqalelo oko kuthethwa ngokucacileyo kwipolisi, kwaye, xa uvuselela, uya kufuna ukuthatha ixesha lokugqiba iifom zokuvuselela ngokuchanekileyo nangokuchanekileyo. Umsebenzi wakho unokutshintsha, abadlali ababandakanyekayo kuwo banokutshintsha, okanye iindima zabo zitshintshile. Ekugqibeleni, ufuna ukuqiniseka ukuba unesi-inshorensi ukuba uya kugutyungelwa njengoko ucinga ukuba unguye.
Ukuba kufuneka kuvele isityholo esincinci sokungabikho komthetho, igqwetha liyakufuna ukucinga malunga nomshuwalense wakhe, onokufumana amalungelo athile phantsi komgaqo-nkqubo ukuphanda nokukhusela-okanye ukulungisa. Khawucinge nangalo msebenzi wokukhusela kwaye ngubani oza kukhetha loo gqwetha kwaye oya kuqondisa ukuba ugqwetha. Yazi xa kufuneka uxelele umshwalense wakho kunye noko. Ngethuba lomzuzwana, kunokuba lula ukukholelwa ukuba unelungelo elihle kakhulu kwaye umxhasi wakho akalunganga kakuhle, okanye unomdla, okanye zombini, kodwa umgcini-mali, okanye ijaji, unokubona imeko ehluke ngokupheleleyo. Yiloo nto abanye abanokuyicinga into eyinhlanhla ngexesha loxinzelelo olunzima kummeli osolwa.
Dlala ngokukhawuleza kwaye ukhululekile kunye nabashuseli, kwizicelo zakho okanye ekusebenzeni kwakho, kwaye unokufumanisa ukuba unqatshelwe i-postage okanye ukuba umgaqo-nkqubo awuhlaziywa.
Intengiso ye-Intshurensi
Amagqwetha angakwazi ukuthenga ngeenxa zonke, ukuze, kwaye, ukuba aphikisiwe, angenza utshintsho kwiindlela zabo zokuziphatha ukuze banqwenele abo bomshuwalense. Njengobu buhlungu njengokungavumi kwenkxaso-mali, imeko enjalo ingaba yinto yokuvula amehlo kwirejethi osika iimbombo kwiindawo ezithile ezibalulekileyo. Ukuba ungumtsha kwihlabathi lomshuwalense we-inshorensi yomthetho kwaye ucinga ukufumana oko, zifundise kwisifundo kwaye uzame ukudlulisa ulwazi malunga noncedo lwabatshutshisi abathile kubameli abanesidingo. Njengokuba kunye namafemu omthetho ngokwawo, abanye abaqinisekisayo bancedisa ngakumbi, bafumaneke ngakumbi kunabanye. Ininshurensi ingafumaneka ngqo kwi-inshurensi okanye nge-broker.
Khumbula ukunyamekela ukusetyenziswa kwemali ye-inshurensi ngokwayo. Funda i-lingo kwaye uhlolisise icandelo leenkcazo zomgaqo-nkqubo. Nabani na onelungu le-bar association unokufumana izibhengezo ezivela kubashurensi. Musa ukusekela isigqibo sakho kwi-insurer kwi-flybox ye-mail engenayo. Yenza ngokukhawuleza ngokukhawuleza.
Uhlaziyo, ukuhlaziywa, kunye ne-On and On
Xa ufumana umgaqo-nkqubo, musa ukuyifakela kwaye uyilibale ngayo. Khumbula ukuba kuya kufuneka ukuba uxelele umgcini-mboleko kwanoma yikuphi utshintsho oluthile kwiinkcukacha kwisicelo sakho. Khumbula kwakhona ukuba iinzame zokuphanga naliphi na i-inshurensi inokuthi zithwale izigwebo zoluntu kunye nolwaphulo-mthetho.