Abanikazi bamashishini akufanele bathembele kwipolisi yomntu ngamnye ukugubungela izithuthi ezisetyenziselwa iinjongo zoshishino.
Iinjongo zomntu zenzelwe ukufihla abantu kunye namalungu entsapho. Azifanelekanga kumashishini kuba zihlala ziqulethe izinto ezihambelana nezoshishino. Imigaqo-nkqubo yomntu nayo ayinakho ukukhutshwa kwezinto eziguquguqukayo kunye noluntu olubanzi olunikezelwa yimigaqo-nkqubo yokuthengisa.
I. I-Policy Auto Policy (BAP)
Abaninzi bango-inshurensi abhala ukubhaliswa kwemigaqo-nkqubo yokubambisa i-auto ngeendlela eziqhelekileyo ezipapashwe yi- ISO . Umgaqo-nkqubo we-auto-ISO ubizwa ngokuba yi-Business Auto Policy (BAP). I- policy nkqubo ithetha isivumelwano se-inshurensi epheleleyo. I-BAP iqukethe iifom yokujonga ngokuzenzekelayo, izibhengezo zezimoto, kunye nokuvumela okuhlukeneyo. Umgaqo-nkqubo we-ISO woBucala wezoBuchule uchaneka kakhulu. Ingasetyenziselwa ukuqinisekisa iindidi ezahlukeneyo zamashishini, zombini ezinkulu kunye ezincinci, kwiinkalo ezininzi zamashishini. Ukhetho olubanzi lweemvume lufumaneka ukwenzela ukuba ukuhanjiswa kungaguquleka njengoko kuyimfuneko.
Abanye abaqinisekisayo basebenzise iifom zabo zorhwebo zorhwebo ngaphandle kweifom ze-ISO.
Abanye basebenzisa idibaniselwano zeifom ze-ISO kunye nokuvunyelwa kwamalungelo.
II. Ifom yoPhuculo lweMoto
Umqolo we-ISO BAP yiFom ye-Auto Autoverage Form. Le fom iqulethe izinto eziphambili zomgaqo-nkqubo. Iqulethwe ngamacandelo amahlanu achazwe ngezantsi.
Icandelo I, I-Autos eViweyo: Icandelo lokuqala lichaza intsingiselo "ye-autos".
Okubalulekileyo, izithuthi "zigqithwe nge-autos" phantsi kwengxelo ethile xa uhlawule i-premium ukuze uqinisekise ukuba loo ngxelo. I-BAP isebenzisa isethi yamatshwayidi amanani ukuba ichonge iintlobo zezithuthi ezifakwe. Ezi zimboli, ezibizwa ngokuba yiimpawu zokuqeshwa kwezithuthi , zibandakanya amanani 1 ukuya ku-9 kunye ne-19 nganye. Ngokomzekelo, uphawu 1 lithetha "nayiphi na imoto" ngelixa isimboli 2 sithetha "i-autos owned" kuphela.
Icandelo lokubhengezwa kwepolisi yakho ibonisa iinqwelo "ezigubungele i-autos" nganye kwirekhodi oyithengileyo. Ngokomzekelo, ukuba kuthengile ukuthengwa kweemfanelo kuzo zonke iindidi zee-autos. Ezi ziquka i-autos yakho inkampani, i-autos iyaqeshisa, kwaye i-autos ayinayo. Ubuye uthengise umonakalo owenziwe ngomonakalo we-autos yakho nkampani. Imibiko yakho yemigaqo ibonisa isimboli 1 (nayiphi na imoto) esecaleni kwesikhokelo sokubambisa, kunye nesimboli 2 (i-autos ene-autos kuphela) ngokumalunga nomonakalo wokulimala ngokomzimba.
Icandelo II, UmGaqo-mali: ICandelo II ichaza ukukhutshwa kwemali yokuthengisa . Olu khuselo lukhusela yakho iqine ngokumelene namabango e-third party avela kwiingozi ezibangelwa izithuthi ezisetyenziswa kwi shishini lakho. Ukubhengezwa ngokuzimela ngokubaluleka kubalulekile kuba izingozi zezithuthi zingenza izigwebo ezinkulu malunga nenkampani yakho.
Unokufuna le ngxelo nangona ishishini lakho lingenayo izithuthi. Izithuthi eziqashisayo kunye ne-autos ezenziwa ngabasebenzi zenza ingozi xa zisetyenziselwa kwishishini lakho. Ukuba imoto yokuqeshisa okanye isithuthi esiphethwe ngumqeshwa ibandakanyeka engozini kwaye umqhubi unesiphene, inkampani yakho inokuthi ihlawulwe nayiphi na inzakalo eyenziwa ngabasithathu.
Ukhuseleko lwezithuthi zorhwebo olukhuselekileyo lukhusela inkampani yakho ngokumelene namabango omntu wesithathu ukwenzela ukulimala komzimba okanye umonakalo wepropati obangelwa yingozi eyenza ukusetyenziswa kombane. Ikwabonelela ngolunye uhlaselo lokungcola iindleko zokuhlengahlengiso ezivela kwingozi yemoto.
Ngubani okhuselwe nguNkxaso-mali: Ukuba ibango lokuzibophezela ngemoto liyakufihla i-BAP, kufuneka ukuba ibangelwe yengozi ebangelwa ngumbane. Ukongeza, ibango kufuneka lifakwe kwi-insured.
Amacandelo afanelekileyo njengama-insureds phantsi koxanduva lokubambisa iimbopheleleko achazwe kumhlathi onesihloko esithi Who Is an Insured. Ziquka ezi zilandelayo:
- Wena: "Wena" uthetha igama eliqinisekisiwe. Lo ngumntu okanye inkampani efakwe kwizivakalisi.
- Abasebenzisi abavumelekileyo: Nabani na ongeyena oqhuba i-auto car, uqeshe okanye uboleke ngemvume yakho yokhuseleko. Okokuthi, ukuba uvumela umntu (njengomqeshwa okanye inkampani inqununu) ukuqhuba isithuthi sakho, ukuqeshisa okanye ukuboleka, umqhubi unesiqinisekiso. Aba bantu bavame ukubizwa ngokuba ngabasebenzisi abavumelekile .
- I-Omnibus Insureds: Kwakhona umntu okhuselwe ngumntu onoxanduva lokuziphatha okanye ukuziphatha komsebenzisi ovumelekileyo. Ngokuqhelekileyo kuthiwa yi- omnibus clause , eli gama libandakanya nabani na onokubanjelwa ngokusemthethweni ngengozi ebangelwa ngumntu ogunyazisiweyo okanye umsebenzisi ovumelekileyo.
Kule zintathu iintlobo zee-insureds, ufumana inqanaba elibanzi lokubhengezwa. Ukhutshelwe nayiphi na imoto . Ziziphi ii-autos "ezigutyungelwe" kuxhomekeke kwiimpawu ezibonakalayo ngokukhawuleza kwesikhokelo sokubambisa kwinqanaba lokuvakalisa umgaqo-nkqubo wakho. Unesiqinisekiso sokuthi ungeyena umqhubi wecala xa kwenzeka ingozi. Oku kubalulekile kuba abaqeshi baxanduva lokunyanzelisa izenzo zabasebenzi babo. Ukuba uthe wagwetshwa ngenxa yengozi yemoto eyabangelwa ngumqeshwa ongenamdla, kufuneka ufunyenwe ibango.
Qaphela ukuba iqabane lamashishini kunye nabasebenzi abaqinisekanga ngelixa beqhuba izithuthi zabo. Ezi zithuthi zibhekwa njengezi -autos ezingenayo i-autos kuba ayinayo eyakho (igama elibizwa nge-insured).
Isigatshana esichasayo sinikezela ngokukhawuleza ukuba yeyiphi na umntu onokubanjelwa ngokunyanisekileyo ngenxa yengozi yemoto eyenziwa nguwe okanye umsebenzisi ovumelekileyo. Eli gatya liphelisa isidingo sokwamkelwa okungekho ngaphantsi kwe-BAP.
Nangona i-inshorensi yemfanelo yerhwebo yonyango inika ingxelo ngokubanzi, ayigubungele yonke ibango. Ezinye iintlobo zamabango zifakiwe. Ezi zichazwe kwicandelo elingenakunyulwa kwefom yefomu yokukhawuleza.
Icandelo III, UmGaqo-mali oPhephayo: Isiqendu III sefomu yokukhawuleza ngezemoto ichaza umonakalo owenziwe ngorhwebo . Ukuqonda le ngxelo, kufuneka uqonde umehluko phakathi kokulimala komzimba kunye nomonakalo wepropati. Inkunkuma yomshuwalense womzimba yinkcazo yokuqala yeqela. Ihlanganisa umonakalo kuma-autos anenkampani yakho. Ukukhawuleza kwepropati yomhlaba ngumntu wesithathu (uxanduva). Ubandakanya umonakalo kwipropati yabanye abantu (kuquka i-autos) eyonakaliswe ngengozi yemoto apho wena okanye omnye umshwalense unembopheleleko.
I-BAP inikezela ezintathu iintlobo zokwaziswa komonakalo emzimbeni:
- Epheleleyo: Ukuvelisa ukulahlekelwa kwintlawulo yemoto ngokubakho nawuphi na isizathu ngaphandle kwesithuthi sokutshintsha okanye ukudibana kwayo nenye into. Imizekelo yezizathu ezilahlekileyo zokulahlekelwa yibabi, isichotho nokuchithwa.
- Izizathu ezicacileyo zezizathu zokulahlekelwa : Ukulahlekelwa yintlawulo ebangelwa yiyiphi na intlobo ezintandathu zeengozi. Le nkcazo yindlela encinci yokufikelela ngokubanzi.
- Ulungelelaniso: Ukuvelisa ukulahlekelwa kwintlawulo ekhuselekileyo ebangelwa ukutshabalalisa imoto okanye ukudibana kwayo nenye into.
Icandelo IV, Iimimiselo zeZimashishini zemiSebenzi: Iziqendu zeemeko zineziqendu ezimbini. Iyokuqala isebenza kwiilahleko. Ichaza zakho iimbopheleleko phantsi komgaqo-nkqubo ukuba ingozi, ibango okanye ilahleko ivela. Kwakhona kuchaza indlela ukulahleka komzimba kuhlaziywa kwaye kuhlawulwa. Iseti yesibini yeemeko ziqhelekileyo. Ngokomzekelo, ichaza intsimi yenkcazo , kwaye ichaza indlela umgaqo-nkqubo wakho uza kusebenza ngayo xa kukho enye inshurensi .
Icandelo V, Iinkcazo: Icandelo lokugqibela liqukethe iinkcazo zemigaqo - nkqubo . Le nxalenye yefom ichaza intsingiselo yamagama aphambili kumgaqo-nkqubo, njengezixhobo ezihamba ngezimoto kunye nezixhobo .
III. IiNgcaciso ezongezelelweyo kunye neziHlomelo
Ifom yeForm Auto Coverage ifom iquka kuphela izibhengezo ezimbini: umthwalo wemoto kunye nokulimala komzimba. Ezinye iziganeko kunye nezilungiso zokufaka ingqalelo zingenakongezwa ngokuvuma.
Iingqwebo ezongezelelweyo: Nazi ezinye iinkalo ezi-ezintathu eziqhelekileyo ezongezwa kumgaqo-nkqubo wentengiso.
- Umqhubi we-Motor Uninsured (UM) kunye ne-Underinsured Motorist (UIM) : Umrhumo we-UM uhlawula umonakalo awukwazi ukufumana ukulimala okwenziwe ngengozi yemoto kuba umqhubi we-fault-fault has no-insured insurer . Umvuzo we-UIM uhlawula loo nxalenye yemonakalo ongenakukwazi ukuyibuyisela ukulimala okugcinwe kwingozi yemoto kuba umqhubi-ntyala unomshuwalense kodwa akwanele ukufihla zonke ilahleko zakho. I-UM ne-UIM zinyanzelekile kwamanye amazwe.
- Akukho-Inkohlakalo: Uhlawula iindleko zonyango ezenziwa ngumqhubi okhuselekile okanye umgibeli njengoko kufunwa ngumthetho kaRhulumente. Ukungabikho kwenkohlakalo kuyimfuneko kwiindawo ezimbalwa.
- Iintlawulo zonyango ngokuzenzekelayo : Uhlawula iindleko zonyango ezenziwa ngabaqhubi besikhorensi kunye nabagibeli (ngaphandle kwabasebenzi) bee-autos ezikhuselekileyo. Uhlawulo lwezoNyango lwezoNyango lukhethiweyo (aluvumelekanga).
Qaphela ukuba ukuvumela okuhlukile kwe-UM / UIM kusebenza kwimeko nganye. Ngokufanayo, ukuqinisekiswa okungafaniyo kwephulo kusebenza kwilizwe ngalinye eliye lalingisa umthetho ongenanto.
Ukulungiswa kwemiGaqo: I- ISO inikeza uluhlu olubanzi lweemvume ezingasetyenziselwa ukuguqula ukukhutshwa phantsi kweNkxaso-nkqubo ye-Auto Auto. Nazi ezinye izibonelo:
- Abaqeshwa njengama-Insureds: Uhlengahlengisa "igosa elincinci" phantsi koxanduva lokubandakanya abasebenzi xa beqhuba ii-autos ezingenabanikazi. Injongo kukugubungela abasebenzi xa beqhuba i-autos ezizimeleyo.
- Umqeshwa oHired Autos: Uhlengahlengisa "igosa eliqinisekisiwe" phantsi koxanduva lokubandakanya abasebenzi xa beqhuba ii-autos eziqeshwe egameni labo (kunokuba igama lenkampani yakho).
- Uhlobo lwabaSebenzi boBasebenzi: Ukunciphisa ukungabikho komsebenzi kunye nomsebenzi phantsi kwe-auto responsibilityability coverage.
- Imali-mboleko yokuThengisa ngemali / UkuHlala kweGap: Ukusetyenziswa xa i-auto evuliwe ilahlekelwe yintlawulo, kwaye unakho ngaphezulu kwiqeshiso okanye umboleko ngaphandle kwesithuthi. Ukwahlula umda phakathi kwemali mboleko yakho okanye ukuqeshisa kunye ne-ACV yesithuthi.
Abaninzi batshutshisi banikezela "ukwandisa" ukuvunyelwa okungenakongezwa kumgaqo-nkqubo we-ISO wemoto. Ezi zicelo zibandakanya ukunyusa ukukhutshwa phantsi kokubambisa kunye nokulimala komzimba. Ziyindlela efanelekileyo yokufumana iqela leengxelo zokuhlawula ngexabiso elifanelekileyo. Ngenxa yokuba imvume ayiyiyo imilinganiselo, iyahlukahluka ukusuka kwenye ukuya kwenye.