Iinshurensi Yoshishino Kwiimveliso Zakho
Icandelo lesithathu elenzakalisiweyo lingaba ngumthengi okanye umsebenzisi wale mveliso okanye nokuba ngummeli.
Iintlobo zamaBango
Izibango zamatyala ezinxulumene nemveliso zisekelwe kwisinye sezi zinto zilandelayo:
- UkuThuthukiswa okanye ukuThuthwa kweMveliso
Ummangali uthi inxalenye ethile yenkqubo yokuvelisa yenze i-defect kwimveliso yokugqibela, eyenza loo mveliso ingozi ngokungafanelekanga. Ngokomzekelo, uSteve uthenge itheyibhile yabona kwisitoreji se-hardware. USteve walimala xa umlindi wecala ekhupha i-saw. Uyazimela umenzi, ebiza ukuba umlindi wayefake ngokungalunganga xa i-saw yenziwe. Iphutha lokuvelisa lenza ukuba i-saw ibonakale ingozi. - Uyilo loMgqibelo
Ummangali uphikisana nokokuba ukuyila kwemveliso kuyinto engaphephile. Ngokomzekelo, uSteve ovela kumzekelo wangaphambili uqhubela umenzi ngesiseko sokuba i-saw yenziwe yenziwe ngendlela engafanelekanga. Uphikisana ukuba xa umenzi enza i-saw, inkampani yahluleka ukuqinisekisa ukuba umgcini uya kuhlala eqina.
- Izilumkiso ezingapheliyo okanye iMigaqo
Ummangalelwa uthi umthengisi wehlulekile ukunika imiyalelo eyaneleyo ekusebenziseni kakuhle imveliso, okanye ukuba umthengisi wehlulekile ukuxwayisa abathengi beengozi zemveliso. Umzekelo, uBill uyayithenga ipeyinti kwisitorethi sasekhaya aze agule ngelixa esebenzisa le mveliso kwindlu engenagumbi. Kamva uyammangalela umenzi ngenxa yokuhluleka ukummkisa ukuba upende wancinci awungasetyenziselwa kwindawo edibeneyo.
U xanduva
Umenzi okanye umthengisi angahlawuliswa ngenxa yesigxina esiqinileyo , esinomthwalo ekungabikho kokunyaniseka. Uxanduva olunzulu alusekelwe kwiphoso. Ummangalelwa onokulimala angayifumana imbopheleleko yemfanelo ngokuphathelele umenzi okanye umthengisi ngokubonisa konke oku kulandelayo:
- Imveliso equle ilahleko eyingozi.
- Imveliso yalimala ummangali.
- Ukulimala kwenzeka xa ummangalelwa wayesebenzisa le mveliso njengoko yayijoliswe ukuba isetyenziswe. Ngokomzekelo, ummangalelwa wayesebenzisa itafile wabona ukusika iinkuni, kungekhona iinwele zakhe.
- Akukho tshintsho olukhulu olwenziwe kwimveliso emva kokushiya umthengisi. Ngokomzekelo, umthengi akazange atshintshe umlindi womlenze ngeyakhelwe indlu.
IiNkundla zaqala ukusebenzisa umgaqo wokuxanduva oluqinileyo kwimveliso kuma-1960s nakwa-1970, ukugqiba ukuba iindleko zokulimala kwimveliso ephosakeleyo kufuneka ziphathwe yiinkampani ezijongene neziphoso, kungekhona ngabasebenzisi abalimele. Baye bacinga ukuba abakhiqizi babeka iimveliso kwindawo yokuthengisa, ngoko kufuneka bathathe iingozi zokuba iimveliso ziphosakele.
Mthengisi weMveliso
Ngelixa ezininzi zeempahla ezinokwenziwa kwemfanelo zifakwe kubakhiqizi, ezinye zifakwe kumthengisi wemveliso. Abathengisi beMveliso baquka abadayisi, abathengisi, abathengisi, nabathengisi.
Umthengisi angahlawulwa ngenxa yokulimala kumthengi wemveliso ukuba umthengisi uncede ukuthengisela umthengi umkhiqizo.
Ingaba umthengisi uya kubanjwa ngokunyanisekileyo kwimpembelelo yemveliso ehluka ukusuka kwilizwe ukuya kwilizwe. Abaninzi bathi banciphise uxanduva lomthengisi malunga nokulimala okunxulumene nemveliso ngaphandle kokuba umthengisi utshintshe loo mveliso ibandakanyeke ekuvelweni kwayo okanye wazi ukuba yayingalunganga. Ukuba umdayisi ophela nje "umdluli wokuhamba" usasazwa ngenxa yemfanelo yemveliso, umthengisi angafuna ukufumana iindleko zefayili kumenzi.
Ukulimala
Abamangalelwa kwimithwalo yemfanelo yemveliso banokufumana umonakalo ohlawulwa ngumvuzo, kubandakanya ukuhlawulwa kweendleko zonyango, ukulahleka kwengeniso, kunye nentlungu nokuhlupheka. Abamangalelwa nabo banokuhlawulwa ngokukhawuleza kunye nokuhlawulwa kwemali yabameli. Kwezinye iimeko, iqela leemfuno zamatyala ezinokuthi lidibaniswe lidibaniswe kwi- action action lawsuit .
Isithuthi esinjalo sinokufezekiswa xa bonke abamangalelwa benokulimala okufanayo kwimveliso efanayo.
Umshuwalense
Imbopheleleko yomkhiqizo ihlanganiswe phantsi komgaqo-nkqubo ojongene nemfanelo . Ihlanganiswe ngokubambisana nomsebenzi owugqibileyo. Ingxelo edibeneyo ibizwa ngokuba yimveliso-epheleleyo imisebenzi . Olu bhengezo lufakwe kwi-Average A, Bodily Injury, kunye nokuLawulwa kweMpahla.
Amashishini enza iimveliso ezinobungozi, ezinjengeemveliso zonyango okanye inambuzane, unokufumana ubunzima bokufumana umthwalo wembopheleleko wemveliso kwi-insurer. Amashishini afanele afune ukuthenga le ngxelo ngokwahlukileyo kwi-insurer. I- broker line broker inokukunceda ukufumana abaqinisekisi ababonelela ngale ngxelo.
Abathengisi beMveliso banganikezelwa ngabathengisi besikhokelo phantsi komgaqo-nkqubo wokunyanzela umenzi nge- endorsement . Ukuvuma kuhlanganisa umthengisi njengesiqinisekiso esongezelelweyo . Ikhusela umthengisi ngokuchasene nezikhwama ezivela kwimveliso engalunganga eyenziwe ngumenzi.
Iimfanelo zeMfanelo zeMveliso
Ireyithi ehlawulwe ngokukhawuleka kwemveliso kuxhomekeke kwimeko yemveliso. Imveliso enobungozi iyabiza kakhulu ukuqinisekisa ukuba kuneemveliso ezinobungozi obuphantsi. Umshuwalense wakho uya kubeka ibakala lakho ishishini kwaye abone ikhowudi yeklasi efanele. I-premium yakho yemfanelo yemveliso ibalwa ngokuphindaphinda ireyithi ngamaxesha okuthengisa kwakho kunye nokwahlula umphumo ngewaka.
I-premium oyihlawulayo ekuqaleni kwexesha lepolisi ngokuqhelekileyo isekelwe kwimveliso yakho eqikelelwayo. I-insurer yakho iya kulungelelanisa i-premium yakho xa iqhuba uphicotho-zincwadi zonyaka. Ukuba ukuthengisa kwakho okwenene kungaphantsi kweentengiso zakho ezicetywayo, unokufumana i-premium yokubuyisela. Ukuba ukuthengiswa kwakho kwangoku kudlula ukuthengisa okuqikelelwayo, unokuhlawulwa i-premium eyongezelelweyo. Qaphela ukuba ukuxela ukuthengisa kwakho ekuqaleni kwenkqubo yakho ayikho isicwangciso esihle sokunciphisa i-premium yakho . Eli qhinga linokubangela ukuhlawulwa kwe-premium eyongezelelweyo xa ipolisi yakho iphicothwe.
Inqaku elihlelwe nguMarianne Bonner.