Nantsi imeko eqhelekileyo:
Umzekelo
I-Elite Estates inempahla emininzi yezorhwebo, kuquka indawo yokuhlala ebizwa ngokuthi iVerdant Villas. U-Elliot, umphathi kwi-Elite Estates, ucinga ukuba ubunzima bubukeka bunzima. Uthatha isigqibo sokuba izakhiwo zingasebenzisa ingubo yokupenda kunye noonxibelelwano lwekontrakta ebizwa ngokuba yiProinting.
U-Elliot uyilungiselela isivumelwano esichaza ezinye iimeko umcwangcisi wecala kufuneka adibane ukuze aqeshe. Enye imfuneko ebalulekileyo yinthorensi yemfanelo . Iiprographic Pro kufuneka igcine umgaqo-nkqubo wezobambiswano ngokubanzi kunye ne-$ 1 yezigidi umlinganiselo ngamnye wokuvela kunye ne-$ 2 yezigidi ezipheleleyo umda.
UPetros, umnini wePro Painting, utyumbela isivumelwano. Nangona kunjalo, inkampani yakhe ayikwazi ukwenza nayiphi na umsebenzi wokudweba kude kube nguPetros eveza uEliot ngesitifiketi se-inshorensi yemfanelo. Isatifikethi siya kuqinisekisa ukuba uPra Painting ineebophezelo zemfanelo ezichazwe kwisivumelwano.
Izatifikethi ze-inshorensi ziqhelekezelwa ngummeli we- inshurensi okanye umthengisi . Uninzi lukhutshwa kwiifom eziqhelekileyo. Ngoxa besetyenziswe njengobungqina bomshuwalense wemfanelo, bangasetyenziselwa ubungqina bezinye iintlobo ze-inshurensi. Ngokomzekelo, umnikazi wesakhiwo unokufuneka ukuba anike umboleki-mali ngesitifiketi se-inshurensi yepropati.
Ifom yeefatifiketi ezahlukileyo zisetyenziselwa i-inshurensi yepropati kunye nemfanelo.
Ulwazi olunikeziweyo
Isatifikethi esipheleleyo semfanelo sineziqendu ezihlukeneyo zecandelo elipheleleyo, uxanduva lokuzimela, umthwalo wemvula , kunye nokuhlawulwa kwabasebenzi / uxanduva lwabaqeshi. Isatifikethi semfanelo siqulethe uhlobo lolwazi oludweliswe ngezantsi. Kuloluhlu, "i-insured" ithetha umntu okanye inkampani eceliwe ukuba inike isiqinisekiso. Isatifiketi umnini ngumntu okanye inkampani ecelile isatifikethi.
- Igama le-inshurensi kunye nedilesi yokuposa
- Igama kunye ne-imeyile yokuthumela i- inshurensi ye- inshorensi
- Igama kunye neenkcukacha zoqhagamshelwano zomntu kwiziko le-inshurensi onokuphendula imibuzo
- Igama lomshuwalense kunye nenombolo yalo ye-NAIC (inombolo yokuchonga eyabelwe yiNational Association of Askomishinala)
- Inkcazo emfutshane malunga nemigaqo-nkqubo ye-insured kunye nemida ebekelweyo, ngohlobo lokubhengezwa. Ngokomzekelo, iCandelo eliPhezulu lokuPhathwa kweNtlawulo liluhlu lwemida emithandathu eyahlukileyo enikwe ngumgaqo-mboleko we-insured. Kwakhona kubonisa ukuba i-insured's coverage iyasebenza kwiimfuno ezenziweyo okanye ezenzekayo .
- Ukuba i-insured ithe ithenge i- coverage yemfanelo yokuthengisa ngokuzenzekelayo , isiqinisekiso kufuneka sibonise iintlobo ze-autos umgaqo-nkqubo. Okukhethwa kukho kubandakanya "nayiphi na imoto", "zonke ii-autos", "ii-autos eziqeshwe ", "ii-autos ezihleliweyo", kunye ne " autos non-owned ".
- Ukuba i-insured ine- umbrella nkqubo , isatifikethi kufuneka sibonise imida esinika yona. Kufuneka kwakhona kubonise ukuba ngaba ukukhutshwa kwezicelo kusebenza kwiimangalo ezenziwe ngamabango.
- Akukho mda odweliswe kwiinkonzo zokuhlawulelwa kwembuyekezo ukususela ekubeni imithetho yomgaqo-nkqubo ichaza iintlawulo ezinikezelwa ngabasebenzi abalimele. Nangona kunjalo, imida kufuneka ibhalwe kuluhlu lwabaqeshi .
- Inkcazo yemisebenzi eyenziwa ngumshwalense
- Igama kunye nedilesi yesitifiketi somnini
- Isitatimende esichaza uxanduva lwe-inshurensi, ukuba kukho na, ukuba kwazise isitifiketi somnini ukuba i-inshurensi yomshuwalense ikhutshwe. Lo mbhalo uchazwe ngcaciso engezantsi.
Isimo soNgezelelweyo
Iinkontrakthi ezininzi zezo shishino zifuna i-insured ukuba igubungele umnini-mvume njengesitifiketi esongezelelweyo phantsi komgaqo-mboleko we-insured.
Kule meko, umnikazi wesatifikethi angadinga inkcazo kwisatifiketi esiqinisekisiwe ngokwenene kumgaqo-nkqubo we-insured njengomgaqo-mali owongezelelweyo.
Kwiimeko ze-Elite Estates ezikhankanywe ngasentla, sithi inkontileka phakathi kwe-Elite kunye nePro Painting idinga inkampani yokudweba ukuba iqinisekise i-Elite Estates njenge-insured eyongezelelweyo phantsi komgaqo-mboleko weProte Painting. Ekubeni isikhundla esongezelelweyo se-insured ye-Elite Estates yimfuno yesivumelwano, iPrainting kufuneka ihambisane. Ummeli we-inshorensi ye-Pro Painting kufuneka acele ukuvunyelwa phantsi komgaqo-nkqubo we-Pro wokubambisa uxanduva oluluhlu lwe-Elite njenge-insured eyongezelelweyo.
Ezinye iinjongo zomgaqo-nkqubo ziqulethe ulwimi olwenza ngokuzenzekelayo amaqela athile njengabongezelelekileyo ama-insured ngaphandle kwemfuneko yokuvuma. Ngokomzekelo, cinga ukuba umgaqo-nkqubo weProte Painting uhlanganisa, njengomntu okhuselekile, nawuphi na umntu okanye umbutho apho iPrainting iqhuba imisebenzi xa iPrainting ivumelene kwisivumelwano esibhaliweyo sokufaka loo nkampani njengesiqinisekiso. I-Elite Estates idibana nale ngcaciso. Ngaloo ndlela, kufuneka ikhutshwe ngokuzenzekelayo njenge-insured eyongezelelweyo.
Isatifikethi asikho Ukuvuma
Cinga ukuba uceliwe ukuba unikeze isitifiketi senkokhelo ye-inshurensi ku-XYZ Inc. Uceliwe ukuba ufake i-XYZ Inc. njengesiqinisekiso esongezelelweyo phantsi komgaqo-nkqubo wakho wemfanelo. I-arhente yakho ikhupha isatifiketi esichaza ukuba i-XYZ inc yinkxaso-mali eyongezelelweyo phantsi komgaqo-nkqubo wakho. Nangona kunjalo, i-arhente yakho ayigxeki ukuba icele enye ingqinisiso eqinisekisiwe evela kwi-inshurensi yakho. Umgaqo-nkqubo awulululwanga ulwimi olongezelelweyo olongezelelweyo oluqinisekisiwe. Akukho mntu uqaphela iphutha.
Kwiinyanga ezithandathu emva koko i-XYZ incatshitshiswa ngenxa yokunyanzelisa kwakho kunye nokufunwa kweemfuno phantsi komgaqo-nkqubo wakho wemfanelo . Ngaba i-XYZ iya kubanjiswa njengenye eyongezelelweyo inshorensi esekelwe kwingxelo kwisatifiketi? Impendulo mhlawumbi ayikho. Isatifiketi asikho ukuvuma. Ayitshintshi umgaqo-nkqubo. Ukuba i-coverage ichazwe kwisatifiketi ayinakunyani kumgaqo-nkqubo, ukukhutshwa kungenakwenzeka ukuba kunikezelwe.
Isaziso soKhoxiswa
Kuze kube ngowama-2009, ifomu eliqhelekileyo elisetyenziselwa ukukhupha izatifikethi ze-inshorensi yemfanelo equlethwe ngumgaqo-nkqubo wokukhansela. Eli lungiselelo lathi ukuba nayiphi na imigaqo-nkqubo ebhalwe kwisatifikethi yachithwa ngaphambi komhla wokuphela kwayo, i-insurer "iyazama" ukwazisa isitifiketi umnini inombolo ethile yeentsuku kwangaphambili.
Abanini bezatifikethi abanamabanga abakholelwa ukuba eli lizwi liqinisekisiwe ukuba baya kwaziswa ukuba umgaqo-nkqubo weemfanelo zomgaqo-nkqubo waxoshwa ngaphambi komhla wokuphelelwa yisikhathi. Nangona kunjalo, abaninzi bezatifikethi zesazisi abazange baziswe xa iipolisi zachithwa. Ngoba? Abatshutshisi balandelelanisa amalungiselelo okukhansela kumgaqo-nkqubo. Ngaphantsi komgaqo-nkqubo wokunyanzela umgangatho, kuphela "wena" ( ogama lakhe liqinisekisiwe ) fumana isaziso ukuba umgaqo-nkqubo ukhanselwa.
Ifom yangoku isetyenziselwa izatifikethi ze-inshorensi yemfanelo ithi ukuba nayiphi na imigaqo-nkqubo ebhalwe kwisatifiketi ikhutshwe phakathi kwekota, isaziso siya kukhutshwa ngokuhambelana nemigaqo-nkqubo. Ngamanye amazwi, i-insureds eyongezelelweyo iya kunikwa isaziso sokukhansela kuphela ukuba umgaqo - nkqubo uthi baya kwaziswa.
Imithetho kaRhulumente
Ekugqibeleni, amaninzi amazwe athe amisela umthetho owenzelwe ukulungelelanisa ukusebenzisa izatifikethi. Le mithetho ivimbela ukusebenzisa izatifikethi ezibandakanya ulwazi olubuxoki okanye olukhohlisayo. Iziqinisekiso ezineenkcukacha ezinjalo azivumelekanga.