Iintlobo zeemeko
Inqubomgomo yomshuwalense ingaqulethe iimeko ezahlukeneyo. Abanye basebenza kuphela kwi-insurer. Umzekelo ngumhlathi we-bankruptcy (uchazwe ngezantsi).
Ichaza ukuba i-insured's bankruptcy ayiyi kukhulula umshwalense wayo imisebenzi phantsi komgaqo-nkqubo. Ezinye iimeko zisebenza kuphela kumnini-nkqubo. Ngokomzekelo, iMibandela yokulahleka kwi-ISO yePropati yePropati yezoLimo ifuna i-insured ukuba ibhengeze ilahleko kumapolisa xa umthetho uphukileyo. Iimeko ezininzi zinenkqubo. Umzekelo umhlathi we-appraisal kwi- Business Auto Policy . Ichaza inkqubo eya kulandelwa ukuba umntu okhuselwe ngumshwalense okanye umshwalense ufuna ukuba kuhlolwe ipropati.
Baphi?
Iimeko zihlala zifumaneka kwicandelo elithile lomgaqo-nkqubo okanye ifom yokunika ingxelo. Akumangalisi ukuba eli candelo lidla ngokuba nemigangatho.
Imigaqo-nkqubo eninzi iqulethe iimeko ezininzi. Umzekelo, umgaqo-nkqubo we-ISO woLuntu wezoLimo uqulethe amaqela amathathu eemeko. Iimeko zokulahlekelwa zichaza indlela ilahleko ezixabisekileyo kwaye zihlawulwa ngayo. Iimeko ezongezelelweyo zijongana nemiba efana ne- coinsurance kunye namalungelo abantu abafa .
Imibandela yoRhwebo yezoTywala iqulethwe kwifom ehlukile. Ezi zixazulule imiba engacacisiwe kwenye indawo, njengengingqi yommandla .
Iipolisi zephakheji , ezibandakanya ezimbini okanye ezininzi iintlobo zokubhengezwa, ziqulethe iimeko ezihlukeneyo zohlobo ngalunye lwe-coverage. Ngokomzekelo, umgaqo-nkqubo oquka uxanduva oluqhelekileyo kunye nokuthengiswa kwepropati yepropati iya kubandakanya iimeko zokumisela kunye nezimo zepropati.
Umgaqo-nkqubo wepakethi ungaphinda uqulethe umgaqo-nkqubo oqhelekileyo (okanye jikelele) Iimimiselo ezisebenza kuzo zonke izibonelelo ezibandakanyiweyo kwisivumelwano.
Umgaqo-nkqubo unokuba neemeko ezingabonakali kwiCandelo leMimiselo. Ngokomzekelo, umgaqo-nkqubo we- NCCI wokuhlawulela abasebenzi uqulethe iCandelo leMimiselo phantsi kweCandelo lesithandathu. Nangona kunjalo, inxalenye yeCandelo lokuqala ( Abasebenzi beNkxaso-mali ) kunye neCandelo lesiBini ( iLungelo labaSebenzi ) linamacandelwana anelungelo elongezelelweyo le-Intshurensi kunye nokubuyisela kwabanye. Ezi ziqendu ziimeko zomgaqo-nkqubo nangona zingabhalwanga njengaye. Amagatya afanayo anokufumaneka kwi-ISO ngokubanzi kunye nemigaqo-nkqubo yemoto. Kule nkqubo, iigatya zifumaneka kwiCandelo leMimiselo.
Iimeko Eziqhelekileyo
Ezinye iimeko zifumaneka kwiintlobo ezininzi zeenkqubo zoshishino. Ezinye imizekelo ichazwe ngezantsi.
Imisebenzi kwiNgxelo yomcimbi okanye ukulahleka
Cishe yonke imigaqo iqulethe isigatya esichazela oko kufuneka uyenze ukuba ilahleko okanye ibango livele. Umzekelo ngumgaqo-mgangatho womgangatho jikelele. Iimeko zokubhengezwa kwebango zichaza ukuba kufuneka uxelele umshwalense wakho ngokukhawuleza xa kwenzeka xa kwenzeka ukuba kwenzeke okanye ityala, okanye ibango okanye i-suit. Eli gatya libalulekile, njengoko ukungaphumeleli kwakho ukuthobela kunokunika i-insurer yakho isizathu sokukhanyela ukukhutshwa kwebango.
Enye i-inshurensi
Eli gatya lichaza indlela umgaqo-nkqubo uza kuphendula ngayo xa kukho enye indawo yokubhengezwa ibango elifakwe ngumgaqo-nkqubo. Eminye imigaqo-nkqubo inikezela ngokukhawuleza (umgca wokuqala). Elinye iqumrhu le-inshorensi kumgaqo-nkqubo oqhelekileyo wokunyanzela umgaqo-nkqubo uchaza ukuba ukugqithiswa kubaluleke ngokubalulekileyo kwezinye izinto. Enye imigaqo-nkqubo ikwabelanisa ilahleko. Ngokomzekelo, omnye umhlathi womshuwalense kwipropati ye-ISO yomhlaba wezorhwebo uthi ilahleko ziya kwabelwana ngokwahlukileyo kunye naluphi na ukuphinda kwincwadi. Ezinye iintlobo ze-inshurensi, kubandakanywa nemigaqo-nkqubo ye-E & O, isebenzise ngokugqithiseleyo ngaphezu kwezinye iincwadi ezikhoyo.
Amalungelo okubuyiswa
Uninzi lwemigaqo-yorhwebo luqulethe isigatshana sesigxina . Eli gatya linika umgcini-mali unelungelo lokubuyisela inani eliye lahlawula ilahleko evela kwiqela elibangele.
Ngamanye amazwi, ukuba umgcini-mali uhlawule ilahleko apho umntu (ngaphandle kwe-insured) enoxanduva, umgcini-mboleko unokumangalela iqela eliphambukayo ngenani lentlawulo.
Isenzo Somthetho Sxamnye Nathi
Eli gama libizwa ngokuthi "akukho nantoni" ngenxa yelilungelo lakho lokufakela isenzo (umgwebo) ngokumalunga ne-insurer yakho. Ngoku kukugubha ukuba ungayifumani ngaphandle kokuba uzalise zonke iimfuno phantsi komgaqo-nkqubo.
Ngaphantsi komgaqo-nkqubo wepropati ye-ISO, awukwazi ukumangalela wakho umshwalense ngokubhekiselele kwibango ukuba awuphumelelanga ukunika inkcazo yepropati ewonakalisiweyo (imeko yenkcazo). Iimigaqo-nkqubo zokuzibophelela zivame ukuthintela wena okanye nawuphi na umntu ukuba afune ukukhokha umshwalense phantsi kweemeko ezithile. Uvaliwe ngokukodwa ukusuka umgcini wakho womshuwalense ukuze uqokelele umhlala-phantsi owenze ngokuzithandela (ngaphandle kwemvume yakho yomshuwalense). Ngokufanayo, awuvumelekanga ukuba uzibophezele ukuqokelela umonakalo kude kube isigwebo sokugqibela esenziwe yinkundla.
Inqubomgomo yomshuwalense inokumisela umda wexesha lokufaka ifom. Ezinye iipolisi zepropati zifuna ukuba ufake ifayili yakho kwiminyaka emibini yomhla wokulahleka. Eli lungiselelo liya kugxininiswa ngumthetho welizwe ukuba lo mva unika ixesha elide lokufaka iifayili ngaphezu komgaqo-nkqubo.
Ukukhulula
Eli gatya lizenzekela ngokuzenzekelayo umgaqo-nkqubo wakho ukubandakanya nayiphi na inkcazo yakho i-insurer yakho yongeze kwifom yefayili yakho. Isigatshana sisebenza ngokubanzi nakulo naluphi na ulwandiso olwenziwe kungekudala ngaphambi okanye ngexesha lexesha lakho lomgaqo-nkqubo, ukuba isandiso sikhululekile.
Ngokomzekelo, cinga ukuba unesiqinisekiso phantsi komgaqo-nkqubo wepropati. Nangona umgaqo-nkqubo wakho usebenza, u-inshurensi wakho uqala ukusebenzisa inguqulo ehlaziyiweyo yeFomu yoKwakha kunye nePropati yePropati. Ifom entsha inika ngokuzenzekelayo (ngaphandle kwerhafu eyongezelelweyo) umda we-$ 10,000 womonakalo kwipropati yakho equlethwe kwiyunithi yendawo yokugcina kwisakhiwo sakho. Ifom eqhotyoshelweyo kumgaqo-nkqubo ayibandakanyi le nkcazo. Ngenxa yokuba umgaqo-nkqubo wakho uqulethe isigatya somgaqo-ntetho, ipropati equkethwe kwinqanaba lokugcina elizenzekelayo liya kuhlanganiswa ngokuzenzekelayo ngumgaqo-nkqubo wakho. Akukho mvume efunekayo.
Ukukhanselwa kunye nokungahlaziywa
Iinkqubo ezininzi ze-inshorensi ezithengwa ngamashishini ziqulethe zombini icandelo lokukhansela kunye nelelo elingahlaziywanga . Ezi ziqendu zichaze iimeko apho umgcini-mali angakhansela okanye angayivuselela umgaqo-nkqubo. Umthetho kaRhulumente uya kukongamela le miqathango ukuba ibaluleke kakhulu kubaphathi-nkqubo. Umzekelo, umthetho welizwe ofuna i-inshurensi ukubonelela isaziso seentsuku ezingama-60 kumnini-nkqubo ukuba umgaqo-nkqubo ungaphinde uhlaziywe uya kunqumla umgaqo-nkqubo ofuna iisaziso ezingama-30 kuphela.
Ulwahlulo lweeNkcazo
Imigaqo-nkqubo eninzi yemfanelo inemeko enesiXhosa sokuSahlukana kweeNkxaso-mali (okanye ukuNciphisa kweMithwalo). Le meko ihlala iqulethwe ezimbini. Umntu wokuqala uchaza indlela umgaqo-nkqubo uza kuphendulwa ngayo xa umntu ogama lakhe libizwa ngokuthi li-insured limela elinye. Inxalenye yesibini ichaza indlela iza kusebenza ngayo xa umntu one-inshorensi emela omnye umshishino.
Ukutshintshwa kwamalungelo akho kunye nemisebenzi
Abatshutshisi bayiqwalasela ngononophelo abafake izicelo zomshuwalense ngaphambi kokuba bakhuphe imigaqo Ngaloo ndlela, iinkqubo ze-inshorensi ziqulethe ukudluliselwa kwamalungelo okanye " isigqibo sokulwa nesabelo" . Eli gatya liyalela abantu abanamalungelo ukuba banike amalungelo abo nemisebenzi phantsi komgaqo-nkqubo komnye umntu ngaphandle kwemvume ebhaliweyo. UJan. "Akakwazi" ukunika " iinjongo ze-inshorensi yoshishino kuJane. Umgaqo-nkqubo wanikezelwa kuJim kuphela. Amalungelo akhe kunye neemfanelo zakhe phantsi komgaqo-nkqubo azikwazi ukudluliselwa kuJane ngaphandle kwemvume yomshuwalense.
Isigatshana esichasene nesabelo sithintela nabanini-nkqubo ukuba bafake ilungelo labo lokuqokelela umonakalo okanye ukuhlawula. Ngokomzekelo, cinga ukuba uBob uye waqinisekisa umonakalo ngomonakalo ngokomzimba phantsi komgaqo-nkqubo wentengiso. UBob usayine isivumelwano esinika uJim ilungelo lokuqokelela nayiphi na intlawulo uBob angayifumana enye imonakalo yokulahlekelwa kweso sithuthi. UBob uphule isigatya esichasene nesabelo. Umshuwalense wakhe akunakwenzeka ukuba enze nayiphi na imali yokulahlekelwa nguJim phantsi komgaqo kaBob.
Qaphela ukuba abaninzi bavumela abaphathi-nkqubo ukuba banike amalungelo abo ukuba bathathe iintlawulo emva kokulahleka . Izabelo zokuthunyelwa kweposi kuphela zivumelekile. Izabelo ezenziwe ngaphambi kokuba kulahleke ilahleko zivumelekile. Kwimzekelo edlulileyo, cinga ukuba uBob sele uselekele ukulahlekelwa ngumonakalo xa ebeka ilungelo lakhe lokuqokelela imali yentlawulo phantsi komgaqo-nkqubo kaJim. Kwiindawo ezininzi, isabelo siya kuvunyelwa.
Ukuchithwa
Eli gatya lichaza ukuba izibophelelo zomshuwalense phantsi komgaqo-nkqubo azitshintshi ukuba iifayile zomgaqo-nkqubo zifake i-bankruptcy okanye zihlaselwe. Umshuwalense usalindeleke ukuba akhokhe amabango.
Akukho Nzuzo kwi-Bailee
Uninzi lwepropati kunye nemigaqo-nkqubo ye-auto iqulethe igatya elinesihloko esithi No Benefit to Bailee. Ibheyile ngumntu onikwe ipropati yomnye umntu ngenjongo ethile. Umzekelo ngumthengisi womzimba wezithuthi. Umnini wezithuthi unikezela i-body shop ukuba yenze ivenkile eyonakalisiweyo ukuze ivenkile ikwazi ukuyilungisa.
I-bailee ayifumani amalungelo omnini kwipropati yakhe. Ivenkile yomzimba wezithuthi ayinalo umnini wesithuthi esilungisayo.
Isigatshana "akukho nzuzo yebheyilee" sisebenza kwipropati yorhwebo kunye nokukhutshwa komonakalo ngokomzimba. Ithi akukho mntu, ngaphandle komnini-mgaqo-nkqubo, onokugcinwa kwepropati ekhuselekile uya kuzuza kumgaqo-nkqubo. Ngamanye amazwi, i-bailee ayinelungelo lokuhlawulwa kwebango nje ngenxa yokuba unayo ipropati. Ngaphantsi komgaqo-nkqubo wentengiso, i-bailee ingaba igaraji lokupakisha, inkampani yokukhwela, isitolo sokulungisa okanye nabani na umntu ohlawula umrhumo ukufumana ukulawula kwisithuthi.
UkuCandwa, ukuPhathiswa kakubi okanye ukuPhamba
Eli gatya livumela umgcini-mali ukuba akhuphe umgaqo-nkqubo ukuba umenzi-mgaqo-nkqubo wenza isenzo sobuqhetseba . Umkhwabaniso okhuselekile xa ekhohlisa ngamabomu umshwalense ngenjongo yokufumana imali. Ubuqhetseba buya kwenziwa xa kuthengwa ukuthengwa, xa ibango lifakwe, okanye ngezinye ixesha. Ngokomzekelo, umnini-shishini uthenge umonakalo owenziwe ngomonakalo owenziwe ngesithuthi esingakhoyo. Emva koko uxela isithuthi esabiwe kwaye ifake iibheno zokuba.
"Igatya lokukhwabanisa" livumela i-inshurensi ukuba inqabe ukukhutshwa kweso siqinisekiso ukuba nayiphi na i-insured iye yenze kakubi okanye ayifihla into ebonakalayo ngokubhekiselele kwi-inshorensi. Ixesha elichazwe kakubi lithetha ukungahambi kakuhle kwenyaniso. Ukungahambi kakuhle kuyinto ebalulekileyo ukuba umgcini-mali uza kwenza isigqibo esahlukileyo ukuba wayaziwa okwenyaniso.
Ngokomzekelo, ugcwalisa isicelo se-inshurensi yepropati kwisakhiwo esinezo. Uxoka kwisicelo, utsho ukuba usebenzisa isakhiwo njengendawo yokugcina impahla. Enyanisweni, uyisebenzisela ukwenza izixhobo zomlilo. Ukuba isakhiwo sonakaliswe kukuqhuma okubangelwa yimiphulo ephosakeleyo, i-insurer yakho inokukhanyela inkcazo esekelwe kwizinto eziphatheka kakubi.