Umzekelo
Cinga ukuba ungumnini shishini lomncinci. Uqiniseke isakhiwo senkampani yakho kunye nepropati yakho yoshishino phantsi komgaqo-nkqubo wepropati . Ngelishwa, kwaqhambuka umlilo kwisakhiwo sakho kwinyanga ezisibhozo ezedlulileyo, kubangela i-$ 100,000 kwimonakalo yomhlaba.
Awukwazanga ukulungisa nayiphi na umonakalo ngenxa yokuba awuzange ufumane inkokhelo evela kumgcini wakho womshuwalense.
Inkampani isebenzisa iindlela zokulibaziseka ukukhusela ukwenza intlawulo. Okokuqala, amabango ammeli agcina "akhohlwa" ukukuthumela ifomu zamabango. Ngoku i-adjuster ithi ufuna enye ubungqina belahleko. Uhambise ubungqina belahleko kabili! Uthukuthele kwaye udidekile ngomshuwalense wakho. Ngaba akukho myalelo ovimbela abatshutshisi ukuba benze oku ndlela? Impendulo kungenzeka ukuba yebo.
Uninzi lwamazwe lenze umgaqo-myalelo wemizekelo ebhalwe yiNational Association of Askomishinala (i-NAIC). Lo mthetho ubizwa ngokuba nguMthetho ongabandakanyekanga wokuLungiswa kweziTyalo zokuBala. Ikhusela abathengi be-inshorensi ngokuziphatha okungalunganga ngabaxhasi-mali kwinkqubo yokuhlawula ibango. Iinkcukacha zomthetho ziyahluka ukusuka kummandla ukuya kwimeko. Izenzo zokuLungiswa kweeNdawo zokuHlulwa kweeNkcazo (UCSPA) ziyanqunyelwa ngamasebe karhulumente ngamnye.
Injongo yoMthetho
I-UCSPA imisela imigangatho yophando kunye nokuhlaziywa kwamabango aphakama phantsi kwemigaqo-bhorensi okanye izatifikethi ze-inshurensi . Umthetho usetyenziswa kuzo zonke iipolisi ngaphandle kwalabo abafumana imbuyekezo yemisebenzi, ibilisi, kunye noomatshini ( ukuchithwa kwezinto zokusebenza ), izibophelelo zokuqinisekisa okanye ukunyaniseka.
Abanini bemigaqo-nkqubo bakholelwa ukuba i-insurer yabo iphulaphule i-UCSPA yabo yelizwe ingafaka isikhalazo kwiSebe le-inshurensi yelizwe. Abalawuli be-inshurensi baphando ngezikhalazo kwaye banqume ukuba umgcini-mpahla wenze iphulaphulo. Abatshutshisi abaphula umthetho banakho ukuhlawulwa okanye batyelelwe esinye isohlwayo. Umshuwalense owenze izenzo ezininzi ezingalunganga, unokuxhomekeka kwizigwebo ezininzi.
Yiyiphi iQinisekisa iZenzo zokuBanga ezingenabulungisa?
Nazi ezinye iintlobo zezenzo ezingavunyelwe ngu-UCSPA oqhelekileyo. Khumbula ukuba amalungiselelo athile omthetho ahluka ukusuka kwelinye ilizwe ukuya kwelinye.
Ukunyaniswa okanye ukuguqulwa
- Ukulahlekisa izinto ezifanelekileyo okanye iinkqubo zomgaqo-nkqubo. Ngokomzekelo, umgaqo-nkqubo wakho wepropati uthetha ukuba ukufakwa kwesikhokelo sokuBala i- Odinance kufakiwe, kodwa umgcini wakho womshuwalense ugxininisa ukukhutshwa ngaphandle.
- Ukwenza utshintsho olukhulu kwisicelo ngaphandle kwemvume yakho kwaye ulungiselele ibango ngokusekelwe kwinguqulelo. Ngokomzekelo, kwisicelo sakho, ucele umda we-$ 50,000 umda wokuphazamiseka kweNkonzo kodwa u-inshurensi wakho unciphise umda ukuya ku-$ 10,000 ngaphandle kokukuxelela. Umshurensi ke wenqaba ukuhlawula ngaphezu kwe-$ 10,000 ngelahleko.
- Ukumisela amabango angaphantsi kwento enokuyilindela ngokusekelwe kwisibhengezo esibhaliweyo ofumene xa unikwe isicelo. Ngokomzekelo, isikhangiso sibonisa ukuba umgaqo-nkqubo uquka umda we-$ 50,000 womonakalo obangelwa kukubunjwa . Isibhengezo asithethi ukuba le ngxelo ihanjiswa kuphela xa uhlawula i-premium eyongezelelweyo.
Ukukhawuleza
- Ukungakwazi ukuphendula ngokukhawuleza kwiinkcukacha zakho malunga namabango afakwe phantsi komgaqo-nkqubo wakho. Ngokomzekelo, ufaka ibango ezintandathu kwinyanga edlulileyo kodwa awufumananga impendulo evela kwi-inshurensi.
- Ukungaphumeleli okanye ukukhanyela ukukhutshwa kwangethuba ngexesha elifanelekileyo emva kokuba umgcini-inshurensi sele ugqibe ukuphanda ibango.
- Ukungaphumeleli ukunika ingxelo ngokukhawuleza emva kokukhanyela ukukhutshwa okanye ukunikezela ukulungiswa kwemigaqo
- Ukuhluleka ukubonelela iifomu zebango ngexesha elichanekileyo (njengeentsuku ezili-15) zesicelo sakho
Izidingo ezingafanelekanga
- Ukunikezela ngeemali ezincinane zokuhlala, ukunyanzelisa ukuba ungamangalele umgcini-mali ukuze uhlawule imali efunekayo
- Ukufuna ukuba unikezele ubungqina befomu yokulahlekelwa kunye nokuqinisekiswa kwelahleko, ngoko kukulibazisa uphando okanye inkqubo yokuhlawula
Izenzo ezingalungile
- Ukungafuni ukuhlawula amabango ngaphandle kokuqhuba uphando olululo. Umzekelo, wakho umshwalense uyaleka ibango lakho ngomonakalo lomlilo kwisakhiwo sakho. Umshuwalense uthi umlilo awuzange kwenzeke kodwa akukho-adjuster uye watyelela ipropati yakho.
- Ukungaphumeleli ukukhawuleza, ukulungiswa ngokufanelekileyo nangona ungenise isimangalo esifanelekileyo kwaye uxanduva lwe-inshurensi lucacile.
Yintoni Okufanele Uyenze?
Masithi ucinga ukuba i-insurer yakho iphule i-UCSPA yakho yelizwe. Yintoni omele uyenze? Isinyathelo sokuqala kukuthetha neSebe le-inshurensi yelizwe. Ummeli weSebe unokukuxelela indlela umthetho usebenza ngayo kwimeko yakho kunye nendlela yokufaka isikhalazo esisesikweni. Ezinye iivumela abaphathi beenkqubo ukuba babhekise ukuphathwa kwebango elingalunganga njengesiseko sokufakela imbopheleleko yokholo embi kwi-insurer. Ngaloo ndlela, usenokufuna ukubonisana negqwetha.