Ukhuselo oluchasene nokuKhuselwa koNcedo
Iintlawulo ezongezelelweyo ( ukukhuseleka ) enye yezinto ezibini ezifihlakeleyo ezinikezelwa ngumgaqo-nkqubo ojongene nemfanelo. Enye i-coverage. Ukhuselo kunye nokuhlawulelwa kunikwa ngokuhlukileyo.
Ukukhutshwa kwezibonelelo kuphela kuxhomekeke kwimida.
Umvuzo woNcedo
Ukukhutshwa kwezibonelelo kubandakanya umonakalo kunye neendawo zokuhlawula i-inshurensi yakho ehlawula egameni lakho kubantu besithathu. Iquka iintlawulo zakho zomshuwalense ezenza phantsi kweeNgcaciso ze-A, B, okanye iC. Umlinganiselo A, ukuLawulwa kweBhodi kunye nokuLawulwa kwePropati yePropati, kubandakanya umonakalo onyanzelekile ukuba uhlawule ngenxa yokulimala komzimba okanye umonakalo wepropati obangelwa yinto . Ubungakanani B, Ubuntu kunye noKhenketho lokuThengisa , lubandakanya umonakalo onyanzelekile ngokusemthethweni ukuba uhlawule ngenxa yobungozi bomntu kunye nentengiso eyenziwa ngumthetho. Umthombo C, uMgangatho wezeMpilo, uquka iindleko zonyango ezenziwa ngamaqela akhatywayo.
Nawuphi na umonakalo, iindawo zokuhlala kunye / okanye iindleko zonyango lakho umgcini-mali ohlawulela egameni lakho liyinxalenye yenkxaso-mali. Ezi ntlawulo ziphantsi kwemida echazwe kumgaqo-nkqubo wakho.
Ukuhlawula okuNgezelelweyo (yoKhuselo)
Iintlawulo ezongezelelweyo ziquka iindleko zokuphanda naziphi na izimangalo kwaye zikhusele naziphi na izigwebo ezikhuselwe phantsi kweCapages A okanye B.
(Umgangatho C usebenza kwiindleko zonyango, kungabi zigwebo, ngoko akukho nokhuseleko olusebenzayo.) Ngokomzekelo, cinga ukuba uqhuba indawo yokutyela. UJim, umthengi, ufaka ibango lokulimala emzimbeni kwenkampani yakho. Uxela ukuba isonka esiyidlayo kwisityela sakho senza ukuba ugula. UJim uthumela ileta efuna i-$ 15,000.
Uthumela umrhumo wakho kwi- insurer .
Umshuwalense wakho uphando ngebango ukuba aqinisekise ukuba iyasebenza. Ukuba uJim ekugqibeleni uyifake icala phambi kwenkampani yakho, umgcini wakho womshuwalense uza kunika igqwetha ukuba likukhusele. Iindleko ze-inshurensi ezibandakanyekayo ekuqhubeni uphando kunye nokukhusela kwi-suit ye-Jim zihlanganiswe phantsi kweeNtlawulo ezongezelelweyo.
Njengemigaqo-nkqubo eninzi yemfanelo, iifom ye-ISO iquka iindleko zokukhusela ngaphandle komda womgaqo-nkqubo. Oku kuthetha ukuba iindleko zokukhusela azinciphisi imida yakho.
Iindleko ezibandakanyiweyo kwiintlawulo ezongezelelweyo
Ingxelo yokuhlawulwa kweeNtlawulo ezongezelelweyo zibandakanya iintlawulo zeejaji, iindleko zenkundla, iipresom kwiibhondi ezithile, kunye nomdla ohlawulwa kwizahlulelo ezihlawulwe kumaqela esithathu. Ezi ndleko zihlanganiswe kuphela ngokumalunga neemangalo zomshuwalense ophanda okanye ozinzileyo, okanye ezifanelwe ukuzivikela.
Ngaphantsi komgaqo-nkqubo we- ISO wemfanelo, i-Payment Payments coverage ifaka iindidi ezisixhenxe zeendleko. Ukuba umgaqo-nkqubo wakho ubhaliwe kwifom yepropati yomnini-inshurensi, iindleko ezifakiwe zifana noko, kodwa kungekhona ngokufanayo, kulawo achazwe apha ngezantsi.
Iindleko zeNkxaso-mali
Umgaqo-nkqubo unikezela ngokukhawulelana okungenamkhawulo ngeendleko zokukhusela wena okanye omnye umshishino okhuselayo kumthetho osesikweni.
Igosa elinikezelwe lakho ityala linokuqashwa ngumshwalimali okanye nge-stand firm law.
Bond Bond
I-insurer yakho iya kuhlawula i-$ 250 ukuze ihlawulwe iibhanki ezifunekayo ngenxa yengozi okanye ukuphulwa komthetho wezithuthi, ngenxa yokusetyenziswa kwesithuthi esilungele ukulimala komzimba. Kwimeko yomgaqo-nkqubo wemeko jikelele, "isithuthi" sithetha izixhobo zokusebenza. Imigaqo-nkqubo yokuzibophelela ingabandakanyi izingozi ezivela ekusebenziseni i-autos.
Ngokomzekelo, cinga ukuba omnye wabasebenzi bakho ubanjwe ligosa lepolisa ngokushiya kwimeko yengozi yemoto eyenza ukulimala kumhambi. Ingozi yenzeke ngelixa umqeshwa eqhuba i-piece of farm machinery. Umgaqo-nkqubo uza kuhlawula u-$ 250 ukuya kwiindleko zebhanki ethengiweyo egameni lomqeshwa.
Bond
Injongo yesikhonkco soqhotyoshelweyo ichazwe kakuhle ngomzekelo. Mhlawumbi ukuba umthengi ufake ityala malunga nenkampani yakho. Kubonakala ukuba ummangali uya kuphumelela isigwebo kuwe. Nangona kunjalo, ummangali ukhuphazela ukuba unokweqa idolophu (okanye wenze enye into) ukuphepha ukuhlawula umonakalo. Ngaloo ndlela, ucela inkundla ukuba ifake (ukuthatha) ethile impahla. Ukuba uyaphula ukuhlawula umonakalo, inkundla ingathengisa ipropati ukuze ihlawule ummangali.
Unako ukukhupha ipropathi ngokuthenga isibophelelo soqhotyoshelweyo . Isibophelelo siqinisekisa ukuba isigwebo esichasene nawe siya kuhlawulwa. Umgaqo-nkqubo uza kuhlawula iindleko zesibophelelo soqhotyoshelweyo ukuba inani lesibhanki liphantsi komda we-inshorensi.
Inkcitho yoPhando
I-insurer yakho iya kuhlawula iindleko "ezinengqiqo" ozenzayo ekuncedeni uphando lwakhe kwibango okanye i-suit. Ngokomzekelo, i-inshurensi inokufuna ukuba uye kwidiphozithi ngexesha lexesha eliqhelekileyo lomsebenzi. Umshwalense uya kuhlawula iindleko ozenzayo (ukuthutha, ukupakisha njl) ukuthobela. Kuya kuhlawula i-$ 250 ngosuku ukwenzela ukuba ulahlekelwe ngumvuzo ngenxa yexesha oya emsebenzini.
Iindleko zeNkundla
Umshwalima wakho uza kuhlawula iindleko zeenkundla ezahlukeneyo ezinokuhlawulwa kuwe ukuba ummangali unqoba umgwebo. Imizekelo yintlawulo yokufakela i-suit, indleko zemibhalo yenkundla, iindleko zokukopisha amaxwebhu, kunye neentlawulo ze-subpoenas ezenziwe ngamangqina.
Ukuba ummangali unqoba loo nto kwaye kufuneka uhlawule yonke okanye inxalenye yeefizi zakhe zommeli, ezo ntlawulo zibhekwa njengengozi, kungekhona iintlawulo ezongezelelweyo. Oko kukuthi, iifizi zommeli zommangalelwa (kungekhona iifizi zommeli wakho) zifanele ukuba zibe ngumonakalo.
Ukugweba inzala
Ukulungiswa komdla kwenzelwe ukuhlawulela ummangali ngokulimala okanye umonakalo olwa phakathi kwexesha lokulimala okanye umonakalo owenzekayo kunye nexesha logwebo linikezelwa yinkundla. Umthetho wombuso unquma indlela le nzala ibalwa ngayo. Umshurensi uza kuhlawula umyinge kuphela kwinqanaba le sigwebo esihlawulelayo (ukuba umgcini wakho womshuwalense ukwabelana ngesigwebo kunye nomnye umshwalense.)
Inzala yomgwebo
Inzala yokugweba emva komgwebo inxephezela ummangali ngokulimala okanye umonakalo ochaphazelekayo kwithuba apho inkundla inika isigwebo kuze kufikelelwe isigwebo. Inzala yomgwebo emva kokugwetywa ihlawulwa kwixabiso elipheleleyo le sigwebo. Kubalwa ngokuhambelana nomthetho kaRhulumente.
Xa Ubungakanani Buphela
Umshuwalense wakho unyanzelekile ukuhlawula iindleko zokukhusela kunye nezinye iindleko zeenkundla de kube umda ofanelekileyo wecala usetyenziswe phezulu ekuhlawulweni kwemvumelwano okanye isigwebo. Ngokomzekelo, cinga ukuba umgaqo-nkqubo uquka umda we-$ 100,000 weMonakalo kwiZakhiwo eziqeshwe kuwe . Umlilo uphuma kwisakhiwo oqeshisayo, obangela umonakalo omkhulu. Umnini-mnini-mali uyakunxenxa umonakalo wepropati kunye neemfuno ze-150,000 kwiimali ezihlawulelwayo . Umnini-mnini wakho unqabe i-$ 100,000 yokuhlaliswa kwezibonelelo. I-insurer yakho ekugqibeleni ihlawula umyinge we $ 100,000. Umgaqo-nkqubo wakho ubandakanya iindleko ezihlobene nokukhusela kwakho ukufikelela kwintlawulo eyi-100 000. Xa umda wakho usuphelile, ukhuseleko lwakho lokukhusela umonakalo lomlilo luyeka.