Ngubani Okhuseleko
Ngubani ofanelekileyo njenge-insured phantsi kwe- auto-responsibility responsibility coverage ? Impendulo inokufumaneka kwisigatshana esithi Who Is An Insured.
Lo mhlathi uluhlu lweentlobo ezintathu zamalungu (abantu okanye iinkampani) ezibhekwa njengama-insureds phantsi koxanduva lokunika ingxelo. Ziquka:
- Nguwe lo obizwa ngokuba ngumshuwalense, okuthetha umntu okanye iqumrhu elibhaliweyo kwiimpapasho.
- Abasebenzisi abavumelekileyo Nabani na osebenzisa i-auto ekhutshwe kunye nemvume yakho ngumntu onesiqinisekiso.
- Amaqela anyanzelekileyo atyala Olu hlobo luquka nabani na obophelelekayo ukuziphatha kwegama eliqinisekisiwe okanye umsebenzisi ovumelekileyo.
Igatya lesithathu elikhankanywe ngentla libizwa ngokuba ngumhlathi we- omnibus ngenxa yegama layo elibanzi.
Ikhupha uxanduva lokuxhamla
Igatya lesigqithisi lifihla ngokuzenzekelayo nabani na onokubanjelwa ukunyaniseka okanye ukunyanzeliswa komsebenzisi ovumelekileyo. Oko kukuthi, kubandakanya nabani na onoxanduva lokunyaniseka okwenziwe nguwe (ogama li-insured) okanye umqhubi ogunyazisiweyo.
Uxanduva lokuxhamla lithetha uxanduva olubhekiselele kumntu nangona elo qela lingazange lenze ngokucacileyo isenzo sokunyaniseka.
Umntu okanye inkampani inokubanjelwa ngokunyanisekileyo ukunyaniseka komnye umntu ngenxa yolwalamano olusemthethweni.
Umqeshi angabanjwa ngokunyanisekileyo ngenxa yengozi yemoto eyenziwa ngumqeshwa ongenamdla. Kungenxa yokuba abaqeshi baxanduva phantsi komthetho oqhelekileyo ngenxa yezenzo zokungathembeki abaqeshwa abazenzayo kwixesha lokuqeshwa kwabo.
Kwezinye iimeko, inkontileka jikelele ingabanjwa ngokunyanzeliswa ngenxa yokulimala okuxhaswa ngumntu wesithathu kwingozi yengozi ebangelwa ngu-subcontractor ongenamdla. Ukuba umontrakta jikelele ulandelwa ngenxa yengozi, unokufunyaniswa kwi-suit phantsi kwesigatshana samagama omgaqo-nkqubo we-auto-tractor. Nasi umzekelo.
Umzekelo
Abakhi abasebenza ngokuqhawulayo yikontrakta jikelele eyayiqeshwe ukwakha isakhiwo seofisi. I-Easy Electric iyinkontilaji yombane eqeshiweyo ngabakhi bezithuthi zokufaka i-wiring kwisakhiwo esitsha. UJim usebenzela abakhi abasebenzayo njengomphathi wendawo yomsebenzi. Ngenye imini, uJim ubuza u-Ed, umqeshwa we-Easy Electric, ukuba athathe umthwalo omkhulu wokwakha isakhiwo kwindawo yokugcina kwaye athumele izinto kwindawo yomsebenzi. Imoto kuphela ekhoyo ifayile ene-Easy Electric. U-Ed unenkxalabo yokuba i-pic isincinci ukuba ithwale umthwalo omkhulu, kodwa uJim uyayikhupha ixhala. Uthi iimpahla zifuneka ngokukhawuleza kwaye u-Ed ufuna ukukhawuleza. U-Ed uhambelana kwaye uqhuba ukuba athathe izinto.
U-Ed ubuyela kwisayithi yomsebenzi kwipikethi edibeneyo xa iloli liguqula imoto eqhutywa nguJane. UJane walimala kwaye uvalela u-Easy Electric ukulimala komzimba .
Uphinde uxhaxe abakhi abasebenzayo, bephikisana nelo xesha i-Busy ixanduva lokutshatyalaliswa yengozi. UJane uxela ukuba ixesha lenzeke ngengozi, iloli yayiqhutyelwa kwinqanaba lomphathi wezakhiwo. UJim wayesazi (okanye wayefanele awazi) ukuba ipopu ekhululekileyo yayiyingozi engakhokelela kwingozi yemoto. Nangona kungekho msebenzi osebenzayo oqhuba elo lililo xa kwenzeka ingozi, ikontrakta jikelele ixanduva lokulimala kukaJane.
Abakhi abasebenzayo bafanelekile ukufumana inkxaso phantsi kwesigatshana somnxeba kwi-Easy Electric yokuthengisa umgaqo-nkqubo wendlela yokuthengisa . I-Busy i-insured ngoba inesibophelelo sokuziphatha komqeshwa oMbane oMbane.
Akukho Mvume efunekayo
Igatya lesigqithiso liyaqeda isidingo sokwamkelwa okongezelelweyo okuqinisekisiwe phantsi komgaqo-nkqubo wentengiso. Nabani na onoxanduva lokuziphatha kwegama eliqinisekisiwe okanye umqhubi ovumelekileyo uhlanganiswe ngokuzenzekelayo.
Kwimimiselo yangaphambili, i-Buildy Builders ikhutshwe njenge-insured phantsi komgaqo-nkqubo we-Auto Electric. Akukho mvume efunekayo.
Qaphela ukuba isigatya somnxeba kumgaqo-nkqubo wentengiso usebenza kuphela kwintlawulo. Akuyi kuhlawula isigxina somntu ngokuthe ngqo kwengozi yemoto ukuba loo mntu akaqinisekisiwe phantsi komgaqo-nkqubo.