Umshurensi uyena kwii-Shoes's Shoes
Nasi umzekelo wendlela ukuguqulwa kwesigxina kusebenza ngayo. Cinga ukuba isakhiwo soshishino sikaYilwayo sitshisa. Umshuwalense wepropathi weBhili uya kumhlawula i-$ 2 yezigidi, indleko yokutshintsha isakhiwo. Umshuwalense ufumanisa ukuba umlilo wabangelwa ukusetyenziswa ngenyameko kwesithintelo somlilo ngummelwane waseBill, uSteve.
Umshuwalense ucela uSteve ukuba aphinde ahlawule i-$ 2 yezigidi ezihlawulwe kwiBill ngokulimala komlilo.
Ukuba uBill wayengenayo inshuwalense yepropati, uya kuba nelungelo lokumangalela uSteve ngeendleko zokutshintsha isakhiwo sakhe. Ngenxa yokuba umgcini-mali weBill uyamhlawula ngokulahlekelwa, ilungelo likaBill lokumangalela uSteve lithunyelwa kwi-insurer. Umshuwalense "amanyathelo kwiisanda zikaBill," oku kuthetha ukuba ufumana nayiphi na amalungelo uBill kufuneka aphikise uSteve.
Abatshutshisi banokufumana ilungelo labo lokuxhomekeka kumthetho okanye kwisivumelwano . Ininzi yomshuwalense nkqubo iqulethe isigatshana sesigxina esisetyenziswayo xa umgcini-mali uhlawule ilahleko (okanye egameni le- insured) . Isigatshana sinikeza umgcini-mali unelungelo lokufumana imali yentlawulo yakhe yokulahlekelwa kwiqela elibangele ukulahleka. Umshuwalense unakho oku kulunge nangona akuchaziwe kumgaqo-nkqubo. Amaninzi amaninzi amisele imithetho yokuxhaswa kwemimiselo evumela abaqinisekisi ukuba baphucule xa behlawule ngokupheleleyo i-insured yabo.
Iimpawu zeSigxina
Ininzi ye- inshorensi ye-inshorensi iqulethe isigatya esichaza amalungelo okhuselo lwe-insurer. Ngokuqhelekileyo kubonakala kwiimeko zomgaqo - nkqubo . Kwiimigaqo- nkqubo ze- ISO , isigatya sogunyaziso sihlala siqulathwe phantsi kweNtloko yokuThuthwa kwamaLungelo okuPhuhliswa kwabanye. Amagatya okuhlengahlengiswayo ahlukahluka komgaqo-nkqubo ukuya kwesinye kodwa zonke zinenjongo efanayo.
Bavumela umgcini-mali ukuba abuye ahlawule ixabiso lokulahlekelwa kwiqela elibangele ukulahleka.
1. Iipropati zoLuntu zoRhwebo
Imigaqo-nkqubo yamashishini amaninzi iqulethe igatya lesigxina njengelo lifumaneka kumgaqo-nkqubo we-ISO. Inxalenye yalo mhlathi ibonakala ngezantsi:
Ukuba nayiphi na umntu okanye intlangano okanye okanye ubani esiya kuhlawulwa phantsi kwaloo nxalenye yokubhengezwa inelungelo lokufumana umonakalo komnye, loo ma lungelo adluliselwa kuthi ngokwezinga lenkokhelo yethu.
Ukubona ukuba le gatya lisebenza njani, cinga ngomzekelo olandelayo:
UJennifer unesakhiwo esincinci sorhwebo esisebenzisayo ukuqhuba ishishini lokulungisa isilwanyana. UJennifer uqinisekise isi sakhiwo phantsi komgaqo-nkqubo wepropati . Ngelinye ilanga, uJennifer uxakeke ngomthengi onomlilo xa eva ukukhala okukhulu. Ngomzuzwana kamva, udonga olulodwa lwesakhiwo sakhe luye lwaye lwaza lwaqhaqhazela. Isebe lomlilo lifika ngokukhawuleza ukucima umlilo.
Isakhiwo sikaJennifer senze umonakalo omkhulu. Umlilo waba ngumphumo wokuqhuma kwebhoyili kwisakhiwo esilandelayo. Ibhoyili yaqhuma ngenxa yokuba uBill, umnikazi wokwakha, akakwazanga ukuwugcina kakuhle. I-inshurensi yepropati yepropati ihlawula umonakalo womlilo kwisakhiwo sakhe kwaye ixhomekeke kwiBill.
Oko kukuthi, ifayile ifayili malunga noBill ufune ukufunyanwa kwemali ehlawulwa nguJennifer. Ngenxa yokuba u-inshurensi uhlawulelwe (uhlawulelwa) uJennifer ngokulahlekelwa, uthatha ilungelo lakhe lokumangalela uBill. Umshuwalense unelungelo lokuphishekela iBhili kuphela ngenxa yemali ehlawulwa nguJennifer.
2. IiNkcazo zokuTyala kwezeNtengiso
Uninzi lwemigaqo-nkqubo yeemfanelo zoshishino ziqulethe isigatshana esifanayo esichaphazelekayo esichaza umgaqo-nkqubo we-ISO jikelele . Isigatshana sichaza ukuba ukuba umntu okhuselekile unelungelo lokufumana yonke into okanye inxalenye yentlawulo engayifumani phantsi komgaqo-nkqubo, loo malungelo adluliselwa kwi-inshurensi. Umzekelo olandelayo ubonisa indlela le gatya lisebenza ngayo.
U-Sallie ungumnikazi wevenkile yokuthengisa ebizwa ngokuba nguRags kwiRiches. Ngolunye usuku, ukuhamba kwamakhasimende esitolo kunye nokuwa kwi-tile yangasemgangathweni, ukuphula umlenze wakhe.
Umthengi uthatha iRags kwiRhwebo ngenxa yokulimala komzimba . Umxhasi we-inshurensi kaSallie uhlawula ibango. Emva koko uthabatha inkontileka efake isitezi sikaSallie ngenani elihlawulelwe kumthengi olimele. Umkhushurensi uphikisana nokuba ikhontrakta ifake umgangatho ngendlela engafanelekanga kwaye ukuba ukunganakwa kwayo kubangele ukulimala komthengi. Ngenxa yokuba i-inshurensi ibuyiselwe uSollie ngenxa yeendleko zebango, ithatha amalungelo akhe okumangalela isikontrakthi esingekho.
3. Iimigaqo-nkqubo zezoLimo
Umgaqo- nkqubo womgaqo-nkqubo we-auto uqulethe igatya lesigxina elifana nelo maneka kumgaqo-nkqubo we-ISO. Isigatshana sichaza ukuba umgcini-mali uya kuhlawula umthwalo wemoto okanye ibango lokulimala , kunye nomntu ngaphandle kwe-inshurensi enoxanduva lokulimala okanye ukulimala, umgcini-mali unokumangalela elo qela ukuba libuyise inani lemali yebango layo.
4. Iingqinisiso zabasebenzi beMbuyekezo
Umgaqo-mali we- NCCI wokuhlawulela abasebenzi uqulethe amabini amacandelwana: omnye phantsi kweCandelo lokuqala, ukuXhotyiswa kwabaSebenzi kunye nomnye phantsi kweCandelo lesiBini, uxanduva lwabaqeshi. Bobabini banelungelo lokubuyisela kwabanye
Igatya lesigxina elivela kwiCandelo lokuqala linika inkokhelo amalungelo akho, kunye namalungelo omsebenzi wakho olimele, ukubuyisela intlawulo eyenziwe kuye nawuphi na umntu onoxanduva lokulimala komsebenzi. Ngokomzekelo, cinga ukuba iqumrhu lakho lithenge umgaqo-nkqubo wokuhlawulela abasebenzi. Omnye wabasebenzi bakho unobungozi kwingozi yemoto ebangelwa ukunganakwa komnye umqhubi. Umshuwalense wakho unikezela ngabasebenzi inzuzo yembuyekezo . Emva koko ubiza umqhubi ongenamdla kwixabiso leenzuzo ezihlawulwa ngumqeshwa wakho.
Kwamanye amazwe, umsebenzi onokulimala unokumangalela umqhubi ongenamdla kwaye aqokelele ibhaso. Nangona kunjalo, amaninzi amazwe avimbela abasebenzi ukuba "baphinde badibanise" (bafumana ukufumana ukuphindwa kwakhona kokulimala okufanayo). Oku kuthetha ukuba umqeshwa oqokelela umonakalo kwiqela elingekho nto kufuneka abuyisele i-inshurensi kwiindleko zeenzuzo awamkeleyo. Xa umgcini-inshurensi sele uhlawulelwe, umqeshwa unokuvunyelwa ukugcina nayiphi na umonakalo oseleyo.
Igatya lesigxina elivela kwiCandelo loXanduva lwabaqeshi linika i-inshurensi ilungelo lokufuna ukufunyanwa kuye nawuphi na umntu onoxanduva lokulimala apho umgcini-mphumela uye wahlawula umonakalo phantsi komgaqo-nkqubo. Okokuthi, ukuba umgcini-ntlawulo uhlawule umonakalo ngenxa yokulimala kumqeshwa, unokumangalela iqela elibangele ukulimala ukubuyisela inkokhelo yalo.
Kufuneka Ugcine I-Insurer's Rights
Xa umgcini-inshurensi uye wahlawula ibango, unelungelo kuwo onke amalungelo onalo malunga neqela elinganaki. Ukuba ulahlile amalungelo akho, awunanto yokuyithumela kwi-insurer. Ngenxa yalesi sizathu, malunga nezigaba zecandelwana zibandakanya ulwimi olufuna ukuba ukhusele ilungelo le-inshurensi yokumangalela iqela elinganamthetho . Amanqaku amaninzi akwenqabela ukuba ungabikho (ukuyeka) ilungelo lakho lokumangalela iqela elixanduva emva kokulahleka .
Ngokomzekelo, cinga ukuba uqhuba isithuthi esigqityiweyo ngumgaqo-nkqubo wakho wezithuthi xa usuphelile ngomnye umqhubi. Uthembisa omnye umqhubi ukuba awuyi kummangalela ngenxa yomonakalo obangela kwisithuthi sakho. Uphule umhlathi wesigxina.
I-Pre-Loss Waivers Ivumelekile
Iinkqubo ezininzi zepropati zorhwebo ziyakuvumela ngokukodwa ukuba unqande amalungelo akho phantsi kwehleko. Iimigaqo-nkqubo zokuzibophelela zihlala zithe cwaka ngokubhekiselele ekulahlekeni kokulahlekelwa kwangaphambili, kodwa ukuvumelana ngokubanzi kukuba ukukhutshwa okunjalo kuvunyelwe ukuba akuvumelekanga ngokuthe ngqo. Oku kuthetha ukuba ungasayina isivumelwano esithembisa ukuba ungamangaleli umntu ngenxa yokulahlekelwa ukuba akukho nto ilahlekile. Iindleko zokuhlengahlengiswa zifumaneka kwiintlobo ezininzi zeekhontrakthi zoshishino.
Ukungabikho kwiMithetho yokuLawula ukulahlekelwa kwePost
Kukho umzekelo omnye kwi-post-loss lossist rule. Umgaqo-nkqubo womhlaba wezorhwebo uvumela ukuba ukhulule amalungelo akho emva kokulahleka xa ukukhishwa kwenzelwa ukuthanda enye yezi zinto zilandelayo:
- Omnye umshuwalense phantsi komgaqo-nkqubo
- Umqashi wakho
- Inkampani ephethe okanye elawula inkampani yakho
- Inkampani enayo okanye yokulawula