Qinisekisa iBhishini Lakho Ngomngcipheko weMhlaba
Nangona ebusweni bengo mngcipheko, kuphela i-12% yabanini-basekhaya baseCalifornia bathenge ukuthengwa kwenyikima.
Ukuqubuka komhlaba kubakho imicimbi yeziganeko ezisezantsi kwimida eyaziwayo. Ezi ziindawo ezinobungozi obuphezulu, kodwa zinokuhamba iminyaka emashumi kungekho msebenzi. Ngaphandle kokubona, ngaphandle kwengqondo - ngo-1996, i-30% yabasekhaya baseCalifornia bathenga i-inshorensi yenyikima, emva kweminyaka elishumi, loo nombolo iwele kwi-12% nangona ingozi ifanayo.
Ngenxa yohlobo lomngcipheko, abaqinisekisi bafaka ngaphandle kwaye bangabonakalisi ukulahleka kwenyikima komhlaba phantsi kwemigaqo-nkqubo yokuhlala okanye ye-inshorensi yoshishino. Oku kuquka umgaqo-nkqubo womnini-shishini.
Ngenxa yokuba ilahleko zentshukumo entsha kwiCalifornia ephakamileyo, urhulumente usemisele iBhodi yaseCalifornia yokuThuthukiswa komhlaba. Iipropati kunye neNtlupheko Abanini-mboleko bazinikezele kwi-$ 1.3 billion kwi-fund. Abantu baseCalifornia bahlawula ngaphezu kwengxenye yazo zonke iintlawulo ze-inshorensi zenkohlakalo e-United States.
Ukuqinisekiswa koMhlaba
Ukuthengwa komhlaba kuthengwa njengendlela yokuvumela kumgaqo-nkqubo womnini-shishini.
Ukubambisa kubandakanya umonakalo obangelwa ukuyikima ngexesha lokuzamazama komhlaba kuquka ukulungiswa kwezakhiwo kunye nomonakalo kwipropati. Ukuvunyelwa kufuneka kuthengwe kwi-inshurensi yoshishino nakuba amabhantshi aseCalifornia angena kwiGunya lokuThuthukiswa kweMihlaba yaseCalifornia.
Njengomgaqo ohlukileyo
Intshuwalense yokuzamazama komhlaba ingathengwa njengomgaqo ohlukeneyo.
Oku kunengqondo kumashishini amakhulu afuna ukugcina iiprayimari ngokubanzi kwi-inshorensi yabo yoshishino. Nangona kunjalo, amashishini amancinci angabonakala nzima - xa kwenzeka ilahleko - ukwenza amabango anama-inshorensi ahlukeneyo ngomonakalo. Umzekelo, umonakalo lomlilo obangelwa ukuqhuma kwegesi kusekhona ukulahlekelwa komlilo - kungekhona ukulahleka kwenyikima - kodwa, umnini-shishini omncinci angangenisa ibango kwi-insurer yomhlaba. Kuya kuba lula ukungenisa ibango kumnye umshwalense kwaye unomshuwalense ubeka ilahleko yomlilo okanye inyikima.
Iindleko kunye neDeductible
Intengiso yomshuwalense yomhlaba iyathengwa njenge-premium nge-$ 1,000 yokulinganisa. Iintlawulo zeentlawulo ziyahluka ukusuka kwindawo kunye ne-Western United States eneeprimi ezilishumi eziphakamileyo njengalezo zaseMpuma United States. Iiprayimari zithatha ingqalelo kwixesha lezakhiwo kunye neentlobo zesakhiwo kunye nesakhiwo sakhiwo sexabiso esincinci kunezitena kunye namatye. I-Insurance Information Institute ithi (usebenzisa ama-premium numbers) i-premiums iqhuba amasenti angama-30 ukuya kwamashumi amathandathu kwi-$ 1,000 kwi-East, ngelixa iifayili ezifanayo zihamba ezintathu ukuya kwii-dollar ezili-1 000 kwiNtshona.
Intshuwalense yokuzamazama komhlaba inomyinge we-percentage deductible ukusuka kwi-10 ukuya kwi-15%. Oku kuthetha ukuba ishishini lijongene nokulahleka kwenyikima ye-$ 1 yezigidi, ishishini liza kuba nexanduva lokuqala kwi-$ 100- 150,000.
Ezinye iinkqubo zezoBucala ezikhubaza ukuqubuka komhlaba
Ezinye iinkqubo zee-inshorensi zebhondi ziqhelekileyo zingabhawula ukulahleka kwenyikima ngaphandle kokuvuma okungeziwe:
- I-Auto Auto - Ininzi yemigaqo-nkqubo yokurhweba ngokuthengisa ilahlekelwa yilahleko okanye umonakalo kwiintshukumo. Oku kungabandakanya umonakalo ovela kwi-debris, umlilo, okanye ezinye iziganeko.
- Ukuhlawulelwa kwabasebenzi - Ukulimala kwabasebenzi abasemsebenzini ngenxa yokuzamazama komhlaba kukulahlekelwa phantsi kwe-inshorensi yokuhlawulela abasebenzi.
- Ukuphazamiseka Kwezoshishino - Ezinye iinkqubo zokuphazamiseka kwezoshishino azibandakanyi ukuzamazama komhlaba njengeziganeko ezigubungelweyo, kodwa khangela ngotitshala wakho we-inshorensi.
Ukuba wenza ishishini kwindawo engozi (ikakhulukazi eCalifornia okanye eNtshonalanga), unokufuna ukuqwalasela umgaqo-nkqubo wenyikima eyahlukeneyo okanye uqwalasele ukwamkelwa okungekho ukhuseleko. Lo mngcipheko omnye owaziyo uya kwenzeka ngelinye ilanga.