Ngubani Oyifunayo?
Uninzi lwamashishini athengisa i-DIC coverage inomkhukula omkhulu okanye ukuzamazama komhlaba.
Ibhizinisi lithengisa le nkcazo ngesinye sezizathu zilandelayo:
- I- insurer yalo yeshishini ayinakukwazi okanye ayizimisele ukubonelela inyikima okanye umkhuhlane womshuwalense.
- I-insurer yalo yeshishini likulungele ukubonelela nge-inshurensi okanye inyikima yentshurensi, kodwa i-premium ingaphezu kweyona shishini lifuna ukuhlawula.
- Ibhizinisi lithengile umkhukula okanye i-inshorensi yenyikima kodwa ifuna imida eyongezelelweyo.
Iimigaqo-nkqubo ziyaphuma
I-inshurensi ye-DIC inikwe ngokubanzi njengomgaqo-nkqubo ohlukeneyo. Luhlobo lwe-inshorensi yaselwandle. Uninzi lwamazwe aludingi i-DIC inshurensi ukuba ifake amaxabiso abo okanye iifom zenkqubo kunye nabalawuli be-inshorensi. Ngako ke, i-insurers ngokuqhelekileyo inkululeko yokusebenzisa nayiphi na iifom kunye neerhafu abazikhethayo. Iifom ze-DIC eziqhelekileyo ziyafumaneka, kodwa uninzi lwabatshutshisi abanika i-inshurensi ye-DIC basebenzisa iifom zabo zokuthengisa. Ngenxa yoko, imigaqo-nkqubo ye- DIC ihluke kwi-insurer enye ukuya elandelayo.
Kwangathi ingaba yiprayimari okanye iNgaphezulu
Umgaqo-nkqubo we-DIC unokufaka isicelo kwisiseko esinqununu okanye ngaphezulu.
Ukuba ishishini alikho esinye isikhukhula okanye i-inshurensi yenyikima, umgaqo-nkqubo we-DIC kufuneka usebenze njengomshuwalense oyintloko. Ukuba ishishini linomkhukula okanye ukukhuselwa kwenyikima, umgaqo-nkqubo uza kubonelela ngokugqithiseleyo.
Ngokomzekelo, cinga ukuba i-ABC Manufacturing inomnini wolondolozo ohlala kwindawo ejongene nezikhukhula.
I-ABC ithenga umgaqo-mkhukula ngeNkqubo yeNkcazo kaZwelonke yeMkhukula (NFIP). Umgaqo-mkhukula unika umda ophezulu we $ 500,000 wokwakha isakhiwo kunye ne-$ 500,000 kwipropati yakho. Nangona kunjalo, ukubaluleka kwendawo yokugcina impahla kunye nokuqulethwe kwayo ku malunga nama-8 yezigidi. I-ABC Manufacturing ithenga umgaqo-nkqubo we-DIC onika umyinge we-$ 7 wezigidi zombini kunye neziqulatho zawo.
Qaphela ukuba ezinye i-DIC banshurensi ziza kunika i-inshurensi yezikhukula kwiipropati ezisemacaleni okukhukula kuphela xa iipropati sele zifunyenwe phantsi kweprogram yezikhukula.
Iimpawu zeMigaqo yeDIC
Nangona iinkqubo zeDIC zihluka, zinempawu ezininzi eziqhelekileyo. Nantsi ukujonga ngokubanzi kwenkcazo ye-DIC.
Iipilisi
Ezinye iinkqubo ze-DIC zibhalwa kwiifom ezibizo. Le migaqo yemida yokukhawulela kwiingozi ezichazwe (ngokuqhelekileyo umkhukula kunye / okanye inyikima). Enye imigaqo-nkqubo ibhaliwe kwiifom zengozi. Zifaka ilahleko ephathekayo okanye umonakalo kwipropati ekhutshwe ngayo nayiphi na isizathu esilahlekileyo esingabandakanywa ngokuthe ngqo. Igama elithi "inobungozi" lingakhohliswa kuba iipolisi ngokuqhelekileyo azibandakanyi iingozi (ngaphandle kwenyikima okanye umkhukula) ezigqitywe ngumgaqo-nkqubo wepropati wentengiso.
Ngaphambi kokuba uthenge umgaqo-nkqubo we-DIC, jonga kwiingcaciso zokukhukula kunye nenyikima .
La magama angeke abe nencazelo efanayo kwipolisi ye-DIC njengoko benzayo kumgaqo-nkqubo wepropati oqhelekileyo. Ukongezelela, iinkcazo kumgaqo-nkqubo we-DIC zingabambana nezo zikhukhula okanye inyikima yenqubomgomo.
Ngokomzekelo, cinga ukuba ishishini lakho liqinisekisiwe ngenxa yesikhukhula phantsi komgaqo-nkqubo we-NFIP kunye nomgaqo-nkqubo we-DIC. Umgaqo-mkhukula womgaqo-federal uhlanganisa i-mudflow nge-definition of flood . Nangona kunjalo, umgaqo wakho we-DIC awubandakanyi ngokukodwa i- mudslide kunye nomdaka . Ngelixa likhupha umkhukula, inkcazelo yalo kweli gama alibandakanyi ukuthuthwa kwedaka. Ingxabano phakathi kwekhukhula yakho kunye ne-DIC nkqubo ingabangela ingxaki ukuba ishishini lakho lixhasa ukulahleka okubangelwa ngotye.
Ininzi Inkqubo ye-DIC ayibandakanyi ilahleko ezibangelwa ukuthotyelwa kwamakhowudi wokwakha. Iikhowudi zokwakha zibeka imigangatho emancinci ekufuneka idibeneyo xa isakhi esitsha sakhiwa.
Ezi khowudi zihlala zisetyenziswa kwizakhiwo ezikhoyo ezilungiswe okanye zakhiwa kwakhona emva kokulimala kakhulu. Banokunyusa kakhulu iindleko zokulungisa isakhiwo. Ngethamsanqa, ezinye i-DIC bansherensi zinika inshuwalense yomgaqo wokwakha njengendlela yokukhetha.
Imida kunye neeDeductibles
Imigaqo ye-DIC iqulethe imida eyahlukileyo yokukhukula kunye nenyikima. Iintlobo zemida ziyahluka kumgaqo-nkqubo ukuya kumgaqo-nkqubo. Ezinye ziqulethe zombini umda kunye nemida yokuhlanganisa. Ezinye ziqulethe imida kuphela.
Zonke iinkqubo ze-DIC ziqulethe i- deductibles , kwaye zihlala zikhulu kunezo zifunyenwe kwimigaqo-nkqubo yepropati efanelekileyo. Njengama-deductibles afunyenwe kwimigaqo-nkqubo yehlabathi, i-DIC i-deductibles ihlala isekelwe kwipesenti yexabiso le-insured. Ngokomzekelo, khangela ukuba ixabiso le-insured yesakhiwo i-$ 1 yezigidi kwaye i-deductible yi-10 ekhulwini. Ukuba isakhiwo senza i-$ 300,000 umonakalo, umgcini-mali uya kuhlawula i-$ 200,000 kuphela ukulahlekelwa. Iyakususa i-$ 100,000 (deductible $ 100,000 deductible ($ 1 yezigidi X .1 = $ 100,000) ukusuka kwi-$ 300,000 yokulahlekelwa kwemali.
Ngokuxhomekeke kumgaqo-nkqubo, i-deductible ingafaka isicelo ngokwahlukileyo kwisakhiwo ngasinye, kwindawo nganye, okanye kuyo yonke indawo kuyo yonke indawo. Ngokuqhelekileyo, i-deductible eyenziwa kwisakhiwo ngasinye ikhethwayo kuba ingaba yincinci kune-deductible esebenzayo kuyo yonke impahla eqinisekisiwe.
Ngokuxhomekeke kumgaqo-nkqubo, i-inshurensi ye-DIC ingahlawula ilahleko esekelwe kwixabiso langempela lemali okanye iindleko zokutshintshwa kwepropati ewonakalisiweyo. Ngokuqhelekileyo, kufuneka uthenge umgaqo-nkqubo we-DIC ohlawula ilahleko ngendlela efanayo nomgaqo-nkqubo wakho wepropati.
Akukho Nkohliso
Ininzi Inkqubo ye-DIC ayinayo igatya le-coinsurance . Oku kwenza abanikazi bomgaqo-nkqubo baqinisekise ukuba impahla yabo ingaphantsi kwexabiso layo elipheleleyo ngaphandle koyiko lwesigwebo sokungqiniswanga. Kwakhona kunceda abatshorensi ukuba bahlawule ipropati ngaphantsi kwexabiso elipheleleyo. Kuyafana kunjalo neepropati ezifumaneka kwiindawo ezixhomekeke kwiintshutshiso. I-insurer ye-DIC ingathanda ukufaka isakhiwo kwisithintelo sokuzamazama komhlaba kodwa isahlulo kuphela, njengama-50 okanye i-75 ekhulwini, yexabiso layo lokubuyisela.
Imali yeRhwebo kunye neNdleko eNgaphezulu
Ekugqibeleni, umgaqo-nkqubo we-DIC ungabhawula ilahleko zengeniso kunye neendleko ezongezelelweyo ezibangelwa umonakalo ngokomzimba kwipropati okanye inyikima. Ukuba inkampani yakho idinga ingeniso yoshishino kunye / okanye i- inshorensi eyongeziweyo , qiniseka ukuba ezo ngxelo zifakwe kunoma yimuphi umgaqo-nkqubo we-DIC oyithengayo.