Igatya loKhuselo
Kwiinkqubo eziqhelekileyo ze- ISO , isigatya esichasene nesabelo sitholakala kwifomu ehlukile ebizwa ngokuba yiMigaqo yoQoqo yeNkqubo. Le miqathango isebenza kuzo zonke iifowuni ezibandakanyiweyo kumgaqo-nkqubo. Ngokomzekelo, ukuba umgaqo-nkqubo uquka u- auto-shishino , uxanduva oluqhelekileyo , kunye nokuthengiswa kwepropati yezentengiso , isigatya esichasene nesabelo sisebenza kuzo zonke iziganeko ezintathu.
Eli gatya linelungelo lokutshintshwa kwamalungelo akho kunye nemisebenzi phantsi kwalo Mgaqo-nkqubo. Iquka oku kulandelayo:
Amalungelo akho kunye nemisebenzi phantsi kwalo mgaqo-nkqubo ayinakudluliselwa ngaphandle kwemvume ebhaliweyo ngaphandle kwimeko yokufa komntu ogama lingu-insured.
Isigatshana esichasene nesabelo sichasisa umntu ogunyazisiweyo ogqithisiweyo ukuba atshintshele nayiphi na amalungelo ayo okanye izibophelelo phantsi komgaqo-nkqubo komnye umntu ngaphandle kwemvume yomshuwalense. Okukuphela kwimeko yokuba umntu ogqityiweyo ongu-insured ngumntu (yedwa umnini) kwaye uyafa.
Isabelo siyavunyelwa kule meko kuba yedwa umnini-mhlaba kwaye umnini ngamnye ngumntu omnye. Ukuba umntu uyafa, ishishini alinakuphila ngaphandle kokuba kuthengiswa komnye umntu.
Isigatshana esichasene nesabelo senzelwe ukukhusela umgcini - mali ukuba angaboni ngokungazi ingozi engazange ithathe ukuthatha.
Abanini-bhorensi bamashishini bahlalutya i-inshorensi yebhanki yabasebenzi ngokuchanekileyo Ngaphambi kokuba bakhuphe imigaqo-nkqubo, abasebenzisi be- underwriters baqwalasela ulwazi kunye namava abanikazi benkampani kunye nabasebenzi bokuphatha. Ukuba ishishini lithengiswa komnye umntu, abanini abatshintshi abanokuba ngabanononophelo okanye abanokuyinyameko njengangaphambili. Ukusuka kwimbono yomshuwalense, abanikazi abatsha bangengozini engaziwayo.
Izabelo zokuPhumela emva kweMpahla ezivumelekileyo
Isiqendu esichasene nesabelo asikwahluli phakathi kwezabelo ezenziwe ngaphambi kokulahlekelwa kunye nezo zenziwe emva koko. Nangona kunjalo, inkundla kwiinkoliso ezininzi ziye zavumela abanikazi bamalungelo ukuba banike amalungelo abo kwelinye iqela emva kokulahleka. Izabelo zangaphambi kokulahlekelwa zivunyelwe. Nasi umzekelo we-post-loss assignment ye-inshorensi.
UVictor usebenza kwindawo yokutyela ebizwa ngokuthi iVital Vittles ngaphandle kwesakhiwo esinezo. Ngomhla kaJanuwari ubusuku ezimbini iipayipi zamanzi kwisakhiwo sakha. Iipayipi zatshatyalaliswa, zenze umonakalo omkhulu wamanzi kwisakhiwo sikaVictor. UVictor unyanzelekile ukuba avalwe ivenkile yakhe de ukulungiswa.
UVictor uqeshe umakontraktha wonakalo wamanzi obizwa ngokuba yiRapid Restoration ukulungisa umonakalo kwisakhiwo sakhe. Utshela ikontrakta ukuba ufuna ukulungiswa ngokukhawuleza njengoko exhala ukuvula kwakhona ivenkile yakhe.
ISikontrakta ithi ukulungiswa kunokukhawuleza ukuba i-Victor ibonisa amalungelo akhe phantsi komgaqo-nkqubo wokubuyisela ngokukhawuleza. Ikontraki iya kuqhubeka kunye nokulungiswa kwaye ixoxisane ne-claim settlement kunye ne-Vital Vittles 'yeshishini lomshuwalense. UVictor uvumelana nesabelo kwaye isontrakta iqalisa umsebenzi wokulungisa.
Nangona i-Vitali ye- intengiso yepropati yerhwebo iqulethe isigatshana esichasene nesabelo, uVictor unikezele amalungelo akhe ekubuyiselweni okuKhuselekileyo emva kokulahleka. Ngaloo ndlela, kwiinkalo ezininzi, umgcini-mali kaVictor akakwazi ukugatya isabelo (ukucinga ukuba i-post-loss assignment ivumelekile kwimeko kaVictor).
Iingxaki Ngezabelo Zenzuzo
Kwiminyaka yakutshanje, ukunikezelwa kwezibonelelo (AOB) izivumelwano sele ziyingxaki kwezinye iindawo, ngokukodwa iFlorida. Iikontrakthi ezingenangqondo ziye zazingca nabanikazi bezindlu abangabonakaliyo kunye nabanini-shishini abaye bafumana umonakalo wamanzi .
Ezinye iikontraki zisebenza yodwa xa ezinye zisebenza kwi-cahoots kunye namagqwetha aphilileyo. Kwimeko nayiphi na into, ityontraktha iyakhombisa umnini-nkqubo ukuba anike amalungelo akhe phantsi komgaqo-nkqubo kwi-kontraka. Ikontraka ke iyanisa iindleko zokulungiswa kwaye iqokelela imali ehluthwayo evela kumgcini-mali. Umnini-nkqubo ushiywe ibango elikhulu kwimbali yakhe yokulahleka. Xa umgaqo-nkqubo usuphelile, umgcini-mali uya kunqaba ukuyihlaziya .
Kwimzekelo yangaphambili, uVictor unike amalungelo akhe phantsi komgaqo-nkqubo wokubuyisela ngokukhawuleza. Cinga ukuba ukubuyiswa okukhawulezayo kuzalisa isigqibo somsebenzi wokulungisa kwisakhiwo sikaVictor. Iindleko zangempela yi-$ 15,000 kodwa ityontrakta inika ibhajethi kwi-insurer i-$ 30,000. Ngaphandle koko, ikontrakta ayithumeleli ibhilikhi kodwa i-insurer iyayifumana i-$ 30,000. Kukho nawuphi na umzekelo, umgcini-mboleko unokungafuni ukuhlawula ngesiseko sokuba ikhontrakthi wenze inkohlakalo yomshuwalense . UVictor akanako ukungenelela ngenxa yokuba usayine amalungelo akhe kwi-kontraka. Ukuba ikhontrakthi ayiphumelelanga kumgwebo wayo ngokumalunga ne-insurer, inokufuna inkokhelo evela kwinkampani kaVictor.
Ukuphepha iingxaki nge-AOBs
Njengomnini-shishini, unokuphepha iingxaki ezinxulumene nee-AOBs kunye neekontrakthi ezingenangqiqo ngokuthatha amanyathelo alandelayo:
- Bika nayiphi na ilahleko okanye ingozi ngqo kwi-inshurensi yakho (okanye i- arhente okanye umthengisi ). Yazisa yakho inshurensi ngokukhawuleza. Musa ukuvumela isontraka ukwenza isaziso egameni lakho.
- Thatha iifoto zomonakalo.
- Musa ukuvumela nayiphi na ikhontrakthi ukuba iqalise umsebenzi de kube nguququzeleli we-inshurensi uye wabhala umonakalo
- I-Vet kontraki phambi kokuqesha. Qinisekisa ukuba ilayisenisi ngokufanelekileyo. Ukuba indawo yakho iye yafumana inhlekelele yendalo, qaphela ukukhwabanisa .
- Musa ukusayina i-AOB ngaphandle kokuba uyihlolisise ngenyameko. Ukuba awuyiqondi, cela i-arhente yakho, umshuwalense, okanye igqwetha ukuze uncede.
- Ukuba unkontileka wakho akayi kwenza nayiphi na umsebenzi de usayine i-AOB, fumana enye ikontrakta.
Ii-AOBs kwiNtshuwalense yezeMpilo
Ukunikezelwa kwezivumelwano zenzuzo ziqhelekileyo kwinshurensi yempilo. Izigulane zivame ukucelwa ukuba zivumelane namagatya athile ngaphambi kokuba athole unyango evela kumgqirha, esibhedlele, okanye omnye umboneleli wezempilo. Isabelo sesibonelelo sesigxina sidlulisela ilungelo lomguli lokuqokelela iinzuzo phantsi komgaqo-nkqubo wezempilo kumniki-nkonzo. Ngokusayinela ixwebhu, i-patent iyavuma ukuba iintlawulo ziya kwenziwa ngqo kumboneleli weenkonzo ezinikezelweyo. Umhlathi uthi isigulane ekugqibeleni sijongene neentlawulo ukuba umgcini-mali uyahluleka ukuhlawula.
Emva kokuba unyango lwenziwe, umniki-mboleko uthumele i-AOB kunye nesibango kwinshurensi yempilo yomguli. Umshurensi uhlawula umboneleli ngeenkonzo ezinikezelwa isiguli.