Cwangciso
Ucwangciso luyinxalenye ebalulekileyo yokulawulwa kwengozi . Abanikazi bamashishini kufuneka babe necebo leentlekele endaweni.
Abasebenzi kufuneka baqeqeshe indlela yokunika ingxelo ngokufanelekileyo ibango . Nazi ezinye izicwangciso ezinokukunceda ngokucwangcisa:
- Iikhamera zedijithali zedijithali zinika irekhodi lomcimbi. Umfanekiso okanye ividiyo inokukunceda ukuxhasa ubungqina kwiibango zakho ezibhaliweyo. Cinga ukubeka ikhamera yedijithali kwizithuthi zenkampani nganye. Kufuneka uqikelele ukubonelela ngeekhamera kubhalisi, abaphathi kunye nomongameli kwiSebe lakho lokuthumela nokufumana. Xelela abaqeshwa bakho malunga nokuba njani kwaye basebenzise nini. Iikhamera zokuqwalasela zifakwa kwiingenelo zokwakha, ukuphuma, kunye nokupaka iimpawu ziyakubhala izenzo ezenziwe ngamatye okanye amasela. Khetha iikhamera ezigcina iirekhodi zedijithali ubuncinane iintsuku ezingamashumi amathathu.
- Iifom zokuBhaliweyo eziBhaliweyo eziqhelekileyo Sebenzisa amaxwebhu afanayo kunye neengxelo zengozi okanye iziganeko ezinkulu. Unokufumana iifom eziqhelekileyo kwi-arhente yakho okanye kwi-insurer. Yenza ezi fomu zifumaneke kubasebenzi bakho kwaye ubafundise indlela yokuzisebenzisa.
- Ukuhleka kwee-Dricks Ukuvavanya icebo lakho leentlekele ngokugxotha iimeko zokuhlaselwa kweentlekele.
- Ukuthotyelwa kokuLawula Qinisekisa ukuba isicwangciso sakho senhlekelele sihambisana nemimiselo yokhuseleko eyenziwe ngamaziko karhulumente okanye aseburhulumenteni, kuquka ne- OSHA .
Ukubika
Njengomgaqo oqhelekileyo, kufuneka uxelele umgcini-mali wakho nayiphi na ingozi okanye amabango ngokukhawuleza (ngokukhawuleza kunokwenzeka) ukwenzela ukuba ulungele ukufumana inkxaso phantsi kwe- inshorensi yoshishino .
Ngaloo ndlela, kufuneka ubike iingxelo ezifana nemililo, izingozi zomoto, ubuqhophololo , umonakalo wemozulu, kunye nokulimala okwesithathu kwi- insurer yakho ngokukhawuleza.
- Bika kwiNgxelo yeNtsebenzo yeNgxelo yeZakhiwo zepropati ezibandakanya ubugebengu ukuthotyelwa komthetho. Imigaqo-nkqubo eninzi ejongene nepropati yorhwebo okanye imeko yokulimala emzimbeni ukuba kufuneka uxele ilahleko zokuwabiwa kwamapolisa.
- Qhagamshelana ne-Arhente yakho ye-Inkonzo Ummeli wakho okanye umthengisi kufuneka achaze inkqubo yokungeniswa kwebango. Uya kuqokelela ulwazi kuwe kwaye alungise ifom yebango. Le fom ithunyelwe kwi-insurer. Buza i-arhente yakho ixesha elifanelekileyo kwinkqubo yebango. Kwakhona kufuneka aphinde achaze indlela yokuqhagamshelana nesebe lebango le-insurer.
- Qhagamshelana ne-Inshurensi yakho Xa umgcini wakho womshuwalense ufumana ifom yebango, uya kubela ibango lakho kwisisombululo. I-adjuster ingaba yikontrakta elizimeleyo okanye umqeshwa we-inshurensi. Zama ukuqhagamshelana ne-adjuster yakho kwiiyure ezingama-72 emva kokufaka ibango lakho. I-adjuster iya kucela ubungqina belahleko. Xa uthumela i-adjuster kwifomu egcwalisiweyo, faka nayiphi na ifoto okanye iividiyo ezifanelekileyo.
- Ukuqhagamshelana nabaNxibelelwano ukuVavanya nokuCwangcisa ukuLawulwa kwamashishini amaninzi akulibazise ukulungiswa okukhulu Le mpazamo. Uyakwazi ukugcina ibhizinisi lakho liqhuba xa ulungisa ngokukhawuleza. Fumana uqikelelo lweendleko zokulungisa kwiikontraki eziziwayo ngokukhawuleza. Zama ukufumana uqikelelo ezimbini okanye ezintathu.
- Qhagamshelana noMcebisi wezomthetho onobuchule Cinga ukuqesha ummeli onolwazi kwi-inshurensi ukulungiselela ipakethi yamabango ukuza kubharensi yakho. Igosa elinamava e-inshurensi linokukwazi ukuququzelela inkqubo yamabango. Igosa liyakunceda ekuphikisana ne-insurer yakho.
- Ukuqhagamshelana noNcedo oluPhezulu lweNkcazo Ukuqwalasela ukugcina umgcini-mali we-forensic ukuba uyifaka ibango le ngeniso yoshishino . Umgcini-akhawunti unokulungiselela amaxwebhu oyifunayo ukuba ufake ibango lakho.
Ukulandela
Emva kokuba uxelele ilahleko kumgcini wakho womshuwalense, qiniseka ukuba ulandele rhoqo kunye ne -adjuster eyabelwe ibango lakho. I-adjustuster kufuneka ikugcine unolwazi njengoko ibango lakho liqhubeka. Ukuba iiveki zihamba ngaphandle kwegama kwi-adjuster yakho, mbuze yena ingxelo yengxelo. Phawula ikhalenda yakho ukuba uqhagamshelane ne-adjuster kumhla othile, kwaye unamathela kwishedyuli yakho.
Yiba nesidima kodwa uxhomekeke ekusebenzisaneni nesisombululo sakho. Ukuba awukwaneliswa yimpendulo ye-adjuster, cela ummeli wakho okanye umthengisi uncedo. Kumele athathe inxaxheba ekujonganeni nesibango sakho.
Inqaku elihlelwe nguMarianne Bonner