Icandelo elihlawulwayo elihlawulwayo licelwa ukuba likhe lifunyenwe xa ishishini lisebenzisa isakhiwo somntu. Igatya elihlawulwayo elihlawulwayo liyacelwa ngumboleki. Nasi umzekelo.
Umzekelo
UBill Buckley ungumnikazi wesitishi seNkonzo sikaBuckley, isiteshini segesi esisePleasantville. UBhili uwandisa ishishini lakhe ukubandakanya iinkonzo zokuhlamba imoto. Udibanisa ibha entsha entsha eya kuquka entsha yokuhlamba imoto uBuckley ayithengayo ngemboleko yebhanki. I-bay yesibili iya kubandakanya i-self-service car yokuhlamba isicatshulwa iBuckley's kusuka kwi-Laver Supply, ifowuni yokuhlamba imoto.
UBhili ufumene iimfuno ezimbini. Okokuqala, iMpahla yokuLawula ifuna iBill ukuba iqinisekise iLaver njengendlela yokulahlekelwa yintlawulo phantsi komgaqo-nkqubo wepropati ye-Buckley nge-clause ehlawulwayo. Okwesibini, iPleasantville Bank, umboleki-mali, ufuna ukufunyanwa njengento yokulahlekelwa phantsi kweprojekthi phantsi kwe-Buckley yomgaqo-nkqubo wepropati ngelahleko ehlawulwayo.
Yiyiphi i-Loss Payee?
Ixesha lokulahlekelwa yintlawulo yintetho yesigama esichaza umntu okanye ibutho elinomdla kwipropati egcinwe okanye isetyenziswe ngumnye umntu. Umntu olahlekelwa ngumlahleko unokuba ngumnini wepropati, umboleki, umthengi wepropati okanye enye into.
Kulo mzekelo ukhankanywe ngasentla, iPleasantville Bank inomdla kumatshini wokuhlamba imoto ngokuzenzekelayo kumlinganiselo wemboleko oye wandisa kwiBuckley. Ukunikezwa kweMpahla yokuLawula kunomdla kwisixhobo sokuzibonelela ngenxa yokuba umkhumbi unomshini.
Ixesha lokulahlekelwa kwexesha eliqhelekileyo lithetha umntu onomdla kwipropati yakhe.
I-loss payer kufuneka ihluke kwi- mortgagee . Igama lokugqibela lithetha umboleki obonelela ngemali yokuthengwa kwepropati yangempela (umhlaba kunye / okanye izakhiwo). Iimali zokubolekwa kwemali zihlanganiswe phantsi kwesigatshana esiphezulu sokubambisa imali esifakwe kwiinkqubo ezininzi zepropati.
Ukulahlekelwa kwezibonelelo ezihlawulwayo
Iintlawulo zokulahlekelwa zifakwe phantsi kwe-standard standard ( ISO ) ukunyuswa kwongezwe kumgaqo-nkqubo wepropati. Oku kuvunyelwe kunelungelo lokulahlekelwa kwezibonelelo. Ilahleko nganye ekufuneka ikhutshwe kufuneka ibhalwe kuluhlu. Ukwamkelwa kuluhlu lwegama lokulahlekelwa kunye nedilesi kunye neenkcazo zepropati apho umlahleko onomdla unomdla.
Ilahleko ehlawulwayo ehlawulwayo ifaka idilesi ehlawulwayo kunye nelahleko ehlawulwayo. I-loss payee ingafakwa phantsi komnye okanye enye kodwa kungabikho bobabini. Amagatya amabini ahluke ngokubanzi. Sisiphi isigatya esilungileyo kuxhomekeke kulwalamano lokulahlekelwa yintlawulo kwipropati yomntu.
Ilahleko ehlawulwayo
Igatya elihlawulelwayo elihlawulwayo lisetyenziswa ngokuqhelekileyo xa ilahleko yokulahlekelwa ngumnini wepropati kunokuba umboleki. Kwimodeli yaseNkonzo yaseBuckley ekhankanywe ngasentla, uMbonelelo weeverti ungumnikazi wokuhlamba imoto. Ngaloo ndlela, Umkhumbi unomdla ongenakunqandwa kumatshini.
Ukukhusela inzala yalo yobunini kwimishini yokuhlamba imoto, Umkhumbi ufuna i-Buckley ukuqinisekisa i-Laver njengentlawulo yokulahleka phantsi komgaqo-propati ka-Buckley. Ukuba umatshini wonakaliswe ngexesha lokuqeshisa ngengozi efunyenwe ngumgaqo-nkqubo kaBuckley, umgaqo-nkqubo kaBuckley kufuneka uhlawule ilahleko. Qaphela ukuba umshuwalense weBuckley uya kulungelelanisa ilahleko kunye neBuckley, kungekhona iMaver. Ngaphezulu, umshwalense uya kwenza ukuba ilahleko ihlawulwe ngokubambisana neBuckley kunye neLaver.
Ukulahlekelwa kweLenderer I-Clause ehlawulwayo
Eli gatya lisetyenziswe xa i-loss payee ngumboleki. Ukuba umboleki-mali uya kugqitywa phantsi kweli gatya, inzala yayo kufuneka imiswe ngumbhalo obhaliweyo njengokwamkelwa kwendawo yokugcina impahla okanye i-bill ye-lading. Ukuba ipropati apho ilahleko elahlekileyo inomdla ongenakukhuseleka ibonakaliswe yingozi, i-insurer iya kunika umrhumo womonakalo ngqo kwi-loss payee.
Ngenxa yezizathu ezibhalwe ngezantsi, iLender's Loss I-Clause ehlawulwayo inika ilahleko ekukhuseleni kakhulu kunokwakheka kwesigatshana esikhokhelwayo esichazwe ngasentla.
Isenzo sokuQala
Umntu olahlekelwa yilahleko unelungelo lokufumana intlawulo yelahleko nangona sele iqalile ukuchithwa okanye isenzo esifanayo kwipropati ehlanganisiweyo. Ngokomzekelo, cinga ukuba iSitishi seNkonzo saseBuckley sihluleka ukuhlawulwa ngemali mboleko evela ePleasantville Bank. Ibhanki iqala inkqubo yokuqhawula. Kwiiveki ezimbini kamva, isitya sokuhlamba imoto ngokuzenzekelayo sitshabalaliswa ngumlilo. Nangona ibhanki ibonelele ngemboleko eyenziweyo kwi-Buckley's Service Station, isakulungele ukufumana intlawulo yelahleko phantsi komgaqo-propati ka-Buckley.
IZenzo ezenziwe yiNkxaso-mali
Ilahleko yokulahlekelwa ligcina ilungelo layo lokufumana iintlawulo zelahleko, nokuba ngaba umshwalense uyaleka ibango le-insured ngenxa yezenzo eziqinisekisiwe (njengokungathembeki) okanye ngenxa yokuba umntu okhuselekile akahambelani nemigaqo yomgaqo-nkqubo. Umzekelo, i-Pleasantville Bank iya kugcina ilungelo lokufumana inkokhelo yokulahlekelwa yilahleko nokuba iBill ayizange ihlawule i-premium yekota. Nangona kunjalo, ibhanki kufuneka izalise izibophelelo ezithile.
Okokuqala, i-payer payer ihlawulwe nayiphina i-premium ephumayo. Ukuba umntu okhuselekile akangenise ukuthumela ubungqina obusayiniweyo, obufungekileyo obufungekileyo, i-loss payer kufuneka ifake enye. Ilahleko lokulahlekelwa kufuneka kwakhona ukwazisa umgcini-mali ukuba ubunini bepropati yokhuseleko liye latshintsha (umzekelo, i-loss payer mayingaphinda iphinde isetyenziswe).
Ku rhoxiswa
Ikhefu elilahlekileyo liya kwaziswa ukuba umgcini-mali uyawukhansela umgaqo-nkqubo okanye uzimisele ukuyivuselela. Ukuba isiqinisekiso sihlulekile ukuhlawula i-premium, i-insurer iya kunika isaziso seentsuku ezili-10 ukuba ihlose ukukhansela umgaqo-nkqubo we-non-payment ye-premium. I-inshurensi iya kunika isaziso seentsuku ezingama-30 ukuba ikhansela umgaqo-nkqubo nangayiphi na isizathu. Ukuba umgcini-mali uya kugqiba ukungayivuselela umgaqo-nkqubo, uya kwazisa ilahleko ezi-10 iintsuku ngaphambi kokuba umgaqo-nkqubo uphele.
Ababolekisi bafuna ukhuseleko olongezelelweyo
Ngokucacileyo, ababolekisi bafumana ukukhuselwa okungcono ngokumalunga nokulahlekelwa kwepropati xa bekhuselwe phantsi komgaqo-nkqubo wepropati ngelahleko ehlawulwayo ehlawulwayo ngaphandle kwesigatya esihlawulwayo. Gcina oku engqondweni xa inkampani yakho iboleka imali okanye yenza i-credit kwezinye iirhwebo.