Yintoni ukukhutshwa kwesigxina?
Ukukhutshwa kwesigatshana sohlengahlengiso kuyimfuneko kwisivumelwano esenza ukuba elinye iqela liyeke (liyeke) ilungelo layo lokutshatyalaliswa kwelinye iqela.
Isigatshana sifuna ukuba i-Party A ichithe ilungelo layo lokufuna ukufumana ilahleko evela kwiCandelo B. Ngokusayina isivumelwano, i-Party Ithembisa ukuba ayiyi kufuna imbuyekezo evela kwiCandelo B ukuba i-Party A ilahlekelwa yilahleko apho iBandelo B lijongene nalo.
Ukuba unobungozi okanye umonakalo ngenxa yengozi ebangelwa ngumnye umntu, unelungelo lokufumana umvuzo ngenxa yelahleko lakho ngokumangalela iqela elijongene nalo. Ukuba i-inshurensi yakho ikuhlawulele ukulahlekelwa, ilungelo lakho lokumangalela elo liqela lithunyelwa kwi-insurer yakho. Umshuwalense unokumangalela iqela elijongene nalo ukubuyisela ukuhlawula ilahleko. Nangona kunjalo, ukuba ulahlile ilungelo lakho lokuxhomekeka kulolo qela, akukho namalungelo adluliselwa kwi-insurer yakho. Umshuwalense wakho akakwazi ukumangalela elo qela ukuze aphinde ahlawule intlawulo yakhe yokulahlekelwa.
Iifayile phantsi koxanduva, uMbuyekezo kunye nokuSebenza kwabasebenzi
Eli nqaku liza kucacisa indlela ukuxhomekeka kwendlela yokuxhomekeka ngayo kusetyenziswa ngayo uxanduva oluqhelekileyo , i-inshurensi yembuyekezo ye-auto kunye nabasebenzi.
Iingcambu zecandelwana phantsi kweenkqubo zepropati zentengiso zichazwe kwinqaku elithile .
UmGaqo
Iindleko zokuxhaswa kwemigudu zisetyenziselwa i- inshorensi yemfanelo ukuqinisa ukutshintsha umngcipheko ukusuka kwelinye icala ukuya kwelinye kwisivumelwano. Ukuba iPhathi X ithathe uxanduva egameni leCandelo Y kwisivumelwano, i-Party Y ingasebenzisa i-waiver ukuzikhusela kumacala okususwa phantsi kwe-Party X's insured insurer.
Nasi umzekelo.
Abacus Inc. yinkampani yokubonisana nekhompyutha. Omnye wabaxhasi abakhulu be-Abacus yi-First Financial. U-Abacus usayine inkontileka ekuye yaxanduva lokubangela ukuba kukho naziphi na izimangalo ezibhekiselele kwiMali yokuqala yokulimala komzimba okanye umonakalo wepropathi ovela kwi-Abacus emsebenzini we-First Financial.
Ngelinye ilanga umqeshwa we-Abacus wenza ukugcinwa rhoqo kwiseva yokuqala ye-Financial. Umqeshwa uye wafaka ezinye iintambo ezijikelezayo kwindawo yomncedisi. USteve, umthengi wokuqala wezeMali, uhamba ngendawo xa ehamba aze awele kwikhefu. USteve uyalimaza umva wakhe aze afake icala ngo-Abacus. Uthi umqeshwa ka-Abacus uthatha i-cable ngokungakhathali kwaye ukunyanzelwa komsebenzi kubangele ukulimala kwakhe.
Elite Intshurensi, i-inscus yecala lokugcina umxhasi, uhlawula isicelo sikaSteve. Emva koko ifayile inkundla ngokuchasene neyokuQala kwezeMali. I-Elite Insurance ithi i-First Financial yayinganaki ukuvumela abathengi kufuphi nalapho i-Abacus isebenza khona. Ukunqongophala kwezeMali kokuQala kweNkxaso kwezeMali kubangele ukulimala kuka-Steve Ngoxa u-Abacus engayifuni i-insurer ukuba athethe umxhasi oyintloko, ayikwazi ukukhusela umgwebo. Umshuwalense wahlawula ibango kwi-Ajax egameni. Ngaloo ndlela, kuthatha ilungelo lika-Abacus ukuba lifake ibango lokunganaki kwi-First Financial.
Ukunikezelwa kweNgcasiso phantsi kweGosa eliPhezulu
Iimali zokuQala eziPhambili zingakukhusela i-suit ye-subrogation nge-inscus ye-insurer. Xa iqulunqwe isivumelwano kunye no-Abacus bekufuneka ukuba i-Abacus ilahle ilungelo layo lokumangalela i-First Financial.
Ininzi yemigaqo-nkqubo yemfanelo iqulethe imimiselo evimbela ukususa amalungelo akho okwehliswa emva kokulahleka. Zihlala zithe cwaka kwiingcambu eziqhutywe ngaphambi kokuba ilahleko ivele. Ngokwenene, awuyi kuphulaphula imigqaliselo yomgaqo-nkqubo ukuba ujoyina ukulahlekelwa kwangaphambili kokulahlekelwa kwaye ungaxeleli umqashi wakho. Nangona kunjalo, i-insurers enjengoko kwaziswa ngolwahlulo olunjalo. Ngaphezu koko, iqela elicela ukuxoshwa lingafuna ukuba ungeze ukukhishwa kwesigxina somgaqo-nkqubo wakho wokumisela .
Kukho iintlobo ezimbini ezisisiseko zokubambiswa kweeversi ezisetyenziswe kwimigaqo-nkqubo yemfanelo, ezicwangcisiweyo kunye neengubo.
Ukuqinisekiswa okucwangcisiweyo kuthethwa ukuba umgcini-mali awuyi kubeka ityala kwiqela elibhaliweyo kwisiqinisekiso sokuba ulahlile amalungelo akho okuncitshiswa. Ukugunyazwa kweengubo kunika ingxelo ebanzi. Ngokuqhelekileyo ithi xa uvumelene kwisivumelwano sokukhupha amalungelo akho okumangalela umntu, umgcini-mali uya kutyhola loo nkampani.
Ushishino Lwezithuthi
Imigaqo-nkqubo yemveliso yentengiso iqulethe "ukudluliselwa kwamalungelo okubuyisela" isigatya esifana nomnye kumgaqo- nkqubo . Eli gatya liyakwenqabela ukulandelwa kwe-post-loss. Oku kuthetha ukuba unako ukukhupha amalungelo akho okumangalela umntu kwisivumelwano ngaphandle kokuzisa umkhupha wakho umshwalense. Sekunjalo, iqela elicelile ukuxoshwa lifuna ukuba ungeze ukuvuma okukumiselayo umgaqo-nkqubo wakho wecala. Kwakhona, i-insurer yakho ingongezelela ethile okanye imvume yokukhishwa kwengubo kwipolisi yakho.
Abasebenzi beMbuyekezo
Umgaqo-nkqubo wokuhlawulela abasebenzi base- NCCI uqulethe isigatshana sesigxina esithi Inzuzo Yokubuyiswa Kwabanye. Ithi umgcini-mali unamalungelo akho, kunye namalungelo abasebenzi bakho abanelungelo lokufumana izibonelelo zokuhlawula izibonelelo zabasebenzi, ukuhlawula iintlawulo zabo kubani nabani na ababophelelekile ngenxa yokulimala. Okokuba umgcini-mali wakho uhlawulela inzuzo kumsebenzi olimele kwaye elinye iqela lijongene nokulimala, umgcini-mali wakho uthatha amalungelo akho kunye nabasebenzi bakho balimala , ukuphikisa elo qela ukuba libuyise inani leenzuzo ezihlawulwayo.
Ngokomzekelo, cinga ukuba uSusan, umqeshwa wase-Abacus, wenzakaliswa xa i-tile ye-plailing evulekile iwa phezu kwakhe ngelixa isebenza kwi-server ye-First Financial server. Ufumana iinzuzo phantsi komgaqo-nkqubo wokuhlawula abasebenzi baka-Abacus. Umshuwalense wokuhlawula umqeshwa ka-Abacus ulandela i-First Financial Financial. Ithi i-firm's poor maintenance practices have contributed to Susan's injury. Umshuwalense uthathe ilungelo likaSusan lokumangalela i-First Financial ukuze ibuye ibuyise inani lemali ehlawulwa yona.
Khawuthethe nje ukuba isivumelwano phakathi kwe-Abacus kunye neyokuQala kwezeMali sifuna iAbacus ukuba ilahle amalungelo ayo okutshutshisa iMali yokuqala. Ukuba u-Abacus uye waxoshelwa ngamalungelo ayo, i-insurer ayikwazi ukuphikisa i-First Financial. Umshuwalense akakwazi ukufumana ukuhlawulwa kweenzuzo zokuhlawulela zabasebenzi ezihlawulwa nguSusan.
I-waiver yohlengahlengiso ayiyi kuthintela umsebenzi omele ukuxhathisa umntu wesithathu. Masithi uSusan (kumzekelo wangaphambili) ufumene iingeniso zokuhlawulela abasebenzi kwi-Abacus 'insurer. Emva koko ubeka i-First Financial Financial for injury injury. Uthi i-First Financial yehlulekile ukugcina indawo yayo yokusebenza kakuhle kwaye ukunganakwa kwayo kubangele ukulimala kwayo. Uthi i-First Financial yehlulekile ukugcina indawo yayo yokusebenza kakuhle kwaye ukunganakwa kwayo kubangele ukulimala kwayo.
Ukuba uSusan ufumana umonakalo kwi-First Financial, unokufunwa ukuba abuyisele i-inshurensi yakwa-Abacus ngezibonelelo awafumene. Oku kuya kuthintela uSusan ukuba "abuyele ngokuphindaphindiweyo" (ukufumana ukubuyiswa kabini ngokulimala omnye). Ukuba u-Abacus uye walahla ilungelo lakhe lokumangalela i-First Financial, nangona kunjalo, i-inshurensi ingavunyelwa ekufuneni ukubuyiselwa kwenkampani. Ukuxoshwa kuya kunceda uSusan ukuba "adibanise kabini."