I-Inshurensi yakho iye yaxelwa ukuba i-Insolvent!
Yintoni iNgxowa-mboleko?
I-guaranty fund (okanye umbutho we-guaranty) ngumbutho osungulwe ngumthetho kaRhulumente.
Injongo yalo kukukhusela abanikazi bemigaqo-nkqubo kwi-insurer insolvencies. Ihlawula ibango i-inshurensi yayiya kuhlawula ukuba ingaba yintlekele ngemali. Le ngxowa-mali ilawulwa yibhodi yabalawuli abakhethwe ngabatshutshisi. Ijongelwa ngumkhomishinala welizwe.
Iimali zeGrantanty zikhoyo kuwo onke amazwe amahlanu, kunye nePuerto Rico neWashington DC Ininzi igcina imali ehlukeneyo yepropati / i-inshorensi yokubulala kunye ne-inshorensi yempilo / yempilo. Eli nqaku liza kugxila kwixesha langaphambili.
Ukujongana nabanini-bhoksi abangabikhoyo, amaninzi amaninzi adlulisele umthetho we-guaranty esekelwe kwisenzo somzekelo esibhalwe nguMbutho weSizwe weeNkomishinala ze-Intshurensi. Ezinye iindawo zenze umzekelo wesenzo "njengokuba kunjalo," kodwa ezininzi ziye zadlula inguqu eguqulelwe.
Abaqinisekisi bafuneka ukuba bathathe inxaxheba kwingxowa-mali ye-guaranty yesizwe ukuba bavunyelwe ukwenza ishishini kwimeko. Umshuwalense onikwe ilayisenisi kuwo onke ama-50 amazwe kufuneka athathe inxaxheba kwingxowa-mali kulezo zizwe.
Abagcini bensherensi kuphela balawulwa ngumthetho we-guaranty. Abatshorensi abangafumanekanga (njengemithwalo yemithwalo eseleyo) ayinjalo. Ngaloo ndlela, ukuba ishishini lakho liqinisekisiwe ngomshuwalense ongeyena owamkelwayo, ungeke ufune ukukhutshwa kweebango ezingakhokhelwa kwi-fund yakho ye-guaranty fund.
Ezinye iindawo zifuna abaqashi ukuba baziqinisekise ngokuzibophezela zabo iimbopheleleko zokuhlawulela abasebenzi ukuba bathathe inxaxheba kwi-guaranty fund kubaqeshi abazimeleyo .
Ingxowa ihlawula abasebenzi xa abaqeshi babo bengakwazi ukuhlawula ngenxa yokuchithwa okanye ukuchithwa.
Indlela Iimali eziye zaguquka ngayo
Iimali ezimbalwa ze-guaranty zadalwa ngowe-1940, kodwa ezininzi zavela kuma-1960s no-1970, xa i-insurer insolvencies yaqala ukunyuka. Ekuqaleni, kugcinwa enye ingxowa-mali yokugqwesa omnye umgca wezoshishino, njengembuyekezo yomsebenzi okanye i-inshurensi yemoto . Iinkampani zomshuwalense zazincinci. Abaninzi babhala omnye umgca wezoshishino kwilizwe elinye. Ukuba i-inshurensi yachithwa, inani elincinci labanikazi bamaphepha-nkqubo kunye nenye imali yeburhulumenteni yachaphazeleka.
Namhlanje, abaninzi bagcina imali emininzi ye-guaranty. Ngokomzekelo, urhulumente angasebenzisa iimali ezahlukileyo ze-inshurensi yomshuwalense, umvuzo wemisebenzi kunye nezinye iindlela (kuquka uxanduva olubanzi kunye nokuthengiswa kwepropati yepropati ). Abatshutshisi banzima kakhulu kunokuba babeyiminyaka engama-40 okanye engama-50 edlulileyo. Ininzi inika iindidi ezahlukileyo kwiindawo ezininzi. Abanye abaqinisekisayo bhala imigaqo malunga nawo onke amazwe. Ngaloo ndlela, ukungabikho kokuhlaselwa okwenzekayo namhlanje kungathintela abaninzi abanomgaqo-nkqubo kunye nokubandakanya iimali zokuqinisekisa kwiindawo ezininzi ezahlukeneyo.
Xa i-inshurensi ihluleka
I-inshurensi yolwazi ye-inshurensi icacisa eziliqela izizathu zokuba inkampani ye-inshurensi ingaphumeleka.
Ezi ziquka izibonelelo zamabango ezinganeleyo, ukukhula okukhawuleza kakhulu, ukulingana kwamazinga, ubuqhophololo bomshuwalense kunye nolawulo olubi. Uninzi lwee-insurer ukungeniswa kwemali kubangelwa kukudibana kwezinto.
Amasebe e-inshorense yombuso ayongamela iinkampani zomshuwalense ukuqinisekisa ukuba ziyimali. Ukuze kufike oko, bafuna i-inshorensi ukuba bangenise iingxelo zenkcazo zemali. Ukuba umlawuli ukholelwa ukuba i-inshurensi ibe yimali engaqinisekanga, unokuthatha ulawulo ngokufumana umyalelo wenkundla. Ukuba imeko yezemali yomshuwalense ingaphuculiswa, umlawuli unokuzama ukuvuselela. Ukuba i-inshurensi ayikwazi ukuhlaziywa, okanye ukuba umzamo wokubuyiselwa ungaphumeleli, umlawuli angacela inkundla ukuba ikhuphe umyalelo wokucinywa.
Emva kokuba ikhutshwe umyalelo, umlawuli angakwazi ukulawula ukuhlawulelwa ngokwakhe okanye ukuthumela lo msebenzi kwelinye iqela (elibizwa ngokuba ngumkeli).
Ummkeli uhambisa i-asethi ye-inshorensi yezinto ezibolekisiweyo phantsi kwecebo elivunywe yinkundla. Ummkeli ukwazisa abanikazi bamaphepha-nkqubo ukuba i-inshurensi iyahlanjululwa, kwaye amabango aya kuhlawulwa ngxowa-mali ye-guaranty. Ummkeli ukwazisa nabanikazi bamaphepha omhla apho iipolisi zabo ziya kukhanselwa .
Iimali ezixhaswa ngemali
Uninzi lwamazwe lisebenzisa i-guaranty imali ngemali etholakala kwiimvavanyo kwiinkampani zomshuwalense. Olu vavanyo lwenziwa ngokutsha emva kokuba umshwalense uye wabhengezwa. Oku kuthetha ukuba i-insurers ingahlolwavanywa ngo-2017 ngenxa yokungabikho kokuhlawula okwenziwe ngo-2016. Abagcini-mali baxhomekeke kuvavanyo kuphela xa babhala umgca omnye wezoshishino njengenkampani efunayo. Okokuthi, i-insurers ebhala i- inshurensi yembuyekezo yomshuwalense ihlolwe ukuba i- insurer isinxephezelo se-insurer . Ngokufanayo, i-auto insurers zivavanywa emva kokuphelelwa komshwalense wemoto.
Xa i-inshurensi ibhengezwe ukuba ingabonakaliyo, isebe le-inshurensi liqikelela inani lexabiso leenkampani ezikhoyo. Emva koko libala inani lemali umbutho we-guaranty uya kufuneka uhlawule amabango. Le mali ihlolwe kubaxhasi-mali. Imithetho kaRhulumente ichaza ngokucacileyo inani eliphezulu apho abo bomshuwalense bangahlolwa. Le nto iphakamileyo enye okanye ezimbini kwi-premium ebhaliweyo ye-premium.
Uninzi luvumela i-insurers ukuba ibuyisele imali abaye bavavanywa ngenye yezi ndlela zilandelayo:
- Iipriyamu ezikhulayo
- Surcharges kwimigaqo
- Iintlawulo kwiirhafu zeprayimenti
I-New York yiyo kuphela yimeko engenzi ukuvavanywa kokungeniswa kwe-post-insolvency. Endaweni yoko, urhulumente ugcina ingxowa-mali usebenzisa imali eqokelelwa kubaxhasi-mali. Ukuba i-inshurensi iyahlukana, i-fund isetyenziselwa ukuhlawula amabango egameni le-inshurensi. Ukuba le ngxowa iyancipha ngaphantsi kwexabiso elithile, imali eninzi iqokelelwa kubaxhasi-mali.
Amabango aQhatywayo ngeGrant Guaranty
Iimali zeGrantanty zihlawula ezinye, kodwa kungekhona zonke, iintlobo zamabango. Uninzi lukhuphela iibango ezifakwe ngabaqashi abazimeleyo . Ezinye zikwabandakanya imigca ethile yezoshishino, njengobunyanisekileyo kunye ne-inshorensi yemboleko. Ezinye iimali ze-guaranty azibandakanyi umonakalo wokugweba.
Ibhizinisi elikhuselekile ngokubanzi likhutshwe yi-fund ye-guaranty eqhutyelwa ngurhulumente apho ibhizinisi likhoyo khona. Nangona kunjalo, amabango okuhlawulela abasebenzi alawulwa yi-fund guaranty yelizwe apho ummangali (umqeshwa) ehlala khona. Oku kuthetha ukuba ibango elifakwe ngumqeshwa ohlala eMissouri liya kuthathwa ngesikhwama se-Missouri sokuqinisekisa, nokuba ngaba umqeshi usekelwe kwelinye ilizwe.
Iimali zeGrantanty zihlawula iibango zokuqala kunye neyesithathu. Ukuba ibango lemfanelo lifakwe kwi-firm firm yakho kunye nezokhuseleko, kufuneka ihlawule iindleko zakho zokuzikhusela . Iimali ezininzi ze-guaranty zicacisa inani eliza kubakhokhela nayiphi na ibango. Umda oqhelekileyo u-$ 300,000. Le ngxowa-mali ayiyi kuhlawula nayiphi na ibango lebango elidlula umda ochaziweyo. Ngaloo ndlela, abanye abanomgaqo-nkqubo banokuqokelela kuphela isahlulo seentlawulo ezibanjelwe. Nangona kunjalo, akukho mda usebenza kumabango okuhlawulela abasebenzi. Ezi zibango zihlawulwa ngokupheleleyo.
Ukugqitywa, amabango kufuneka aqhubeke ngaphambili okanye ngaphambili (okanye emva kweentsuku ezingama-30) umhla wokulahla. Ukuba umgaqo-nkqubo usuphelile ngaphambi kokuba umhla weentsuku ezingama-30 udlule, ukugqithiswa kwakho kuya kugqitywa ngomhla wokuphela komgaqo-nkqubo. Kufuneka ufumane i-post coverage ukusuka kwenye i-inshurensi ngokukhawuleza ukuphepha ilahleko ezingaqinisekisiwe. Imali yeGrantanty ayibhale imithetho emitsha.
Amabango angakhokhelwa iintsuku ezingama-30 ukuya kwi-90 emva kokubhengezwa kwenkcitho. Abanye bathi iintlawulo zingathatha ixesha elide. Izibango zamatyala ngokuqhelekileyo zithatha ixesha elide ukuba zilungiswe kunezibango zempahla.
Amaninzi amaninzi avimbela amashishini ukuba afune ukufumana inkxaso kwi-fund ye-guaranty xa ukuxabisa kwabo kufikelele ngaphezu komgangatho othile, njengama-$ 25 yezigidi okanye i-$ 50 yezigidi. Ezi ntlobo zixhomekeke kwingcamango yokuba ibhizinisi elithatyathwe ngokusemthethweni lifumana imali ekufumaneni iimali ezingabhatalwa. Abafunanga umlinganiselo ofanayo wokukhusela njengamashishini amancinci.
Premium engafunyanwa
Ezinye iimali ze-guaranty zibonelela ngokubuyiselwa kwenyanga yokuqala. I-premium engafumanekanga ithetha i-premium oye uyihlawula umvuzo ongenakufumananga ngenxa yokuba umshwalense wakho ungabikho. Ngokomzekelo, cinga ukuba iqumrhu lakho lihlawula i-premium ye-5 000 ye-policy eqhuba ngoJanuwari 1, 2017 ukuya kuJanuwari 1, 2018. Umshuwalense wakho ubhengezwa ngokungekho phantsi kukaJulayi 1, 2017, kwaye umgaqo-nkqubo uyakunqunyulwa ukusebenza ngaloo mhla. Uhlawule iinyanga ezilishumi elinesibhozo zokufumana ingxelo kodwa ufumene isiqingatha eso semali. Unokwazi ukuphinda uhlawule i-$ 2,500 kwi-premium engafumanekanga kwi-fund ye-guaranty fund yakho. Iimali ezininzi ze-guaranty zibeka umda (njengama-$ 10,000) kwixabiso le-premium engayifumanayo onokuyiqokelela.