In Washington Jiya, fahimtar yadda inshorar kamfani ta farko ke aiki yana da mahimmanci ga duk wanda ke da hannu a hatsarin mota. Kariyar rauni ta mutum (PIP) da kuma Kariyar Motoci marasa inshora/marasa inshora (UM/UIM). Wannan shafin yanar gizo ya tattauna yadda inshorar PIP, UM da UIM ke aiki a cikin Washington Bayyana da kuma yadda Dokar Kula da Daidaiton Inshora (IFCA) ta shigo.

1. Ta yaya WashingtonAikin Rufe Rukunin Farko na 1?

In Washington, inshorar ɓangare na farko yana nufin inshorar da ke biyan diyya kai tsaye ga wanda aka yi wa inshora (mai inshora) saboda lalacewarsa, ba tare da la'akari da wanda ke da laifi a karo ba. Nau'ikan inshorar ɓangare na farko da aka saba amfani da su sun haɗa da:

  • Kariyar Rauni (PIP): Yana rufe kuɗaɗen magani, asarar albashi, da sauran fa'idodi ga mai inshorar da fasinjoji bayan haɗari.
  • Matukar Motoci mara Inshora/Mai rashin inshora (UM/UIM): Yana kare wanda aka yi wa inshora idan ya yi karo da direban da ba shi da isasshen inshora ko kuma babu inshora. Yana rufe lalacewar da inshorar wanda aka yi wa laifin ba ta biya shi cikakken diyya ba.

WashingtonTsarin inshorar ya ba da umarnin cewa a bayar da PIP da UIM ga masu riƙe da manufofin, amma ana iya ƙin amincewa da su a rubuce.

2. Fom ɗin ƙin amincewa don PIP

In Washington, Dole ne kamfanonin inshora su bayar da Kariyar Rauni ta Kai (PIP), amma masu inshora suna da zaɓi na ƙin karɓar inshorar PIP. Dole ne a yi ƙin amincewa da shi a rubuce, kuma idan kamfanin inshora bai sami ƙin amincewa a rubuce ba, ana tsammanin inshorar tana aiki.

Wani abu da aka saba tattaunawa a kai shi ne ko ana buƙatar gyare-gyaren dokoki don yadda ake tafiyar da fom ɗin ƙin amincewa, tabbatar da cewa masu manufofi sun sami cikakken bayani game da sakamakon ƙin amincewa da yarjejeniyar PIP da kuma ko canje-canje ga doka ya kamata su buƙaci ƙarin tsauraran matakai don ƙin amincewa da yarjejeniyar.

3. Maido da Kuɗin Lauya akan UIM - Ta Yaya Hakan Yake Aiki?

Mahler, Hamm, Da kuma winters muhimman abubuwa a cikin Washington bayyana cewa za a magance matsalar dawo da kudaden lauyoyi dangane da da'awar Masu Motoci marasa Inshora (UIM).

  • Mahler da Szucs (1993): An kafa koyarwar "cikakke" a cikin Washington, yana bawa masu inshora damar dawo da kuɗin lauyansu da suka ci a lokacin dawo da fa'idodi a ƙarƙashin kulawar ɓangare na farko. Kuɗaɗen na iya rage duk wani da'awar jinginar gida daga kamfanin inshora.
  • Hamm da. Gonar Jiha (2001): Ya tabbatar da ikon wanda aka yi wa inshorar na karɓar kuɗin lauya daga kamfanin jigilar kaya na UM, musamman a yanayin da mai jigilar kaya ke jayayya kan adadin da'awar.
  • Winters v. State Farm (2004): Ya bayyana biyan kuɗi da rage kuɗin PIP na kamfanin inshora lokacin da mai inshora ya murmure a ƙarƙashin UIM.

Waɗannan shari'o'in suna ba wa mutanen da aka yi wa inshora damar shiga Washington don dawo da kuɗin lauya lokacin da ake shari'a da masu ɗaukar nauyin UIM ɗinsu, tare da rage nauyin kuɗin da aka ɗora wa wanda aka yi wa inshorar.

4. Abubuwan da aka yi la'akari da su a Dokar Iyakoki ta UIM (SOL)

In Washington, da Dokar Iyakoki (SOL) don da'awar raunin da ya faru na mutum, gami da gabaɗaya shekaru uku daga ranar da hatsarin ya faru. Tunda da'awar UIM ta dogara ne akan kwangila a rubuce, ƙa'idar iyakokin waɗannan da'awar yawanci ta bambanta kuma tana iya kaiwa har zuwa shekaru shida daga ranar da ake zargin an karya kwangilar. Duk da haka, yana da mahimmanci a sake duba takamaiman manufofi, domin wasu manufofin inshora na iya samun gajerun iyakoki ko tsawon kwangila. Koyaushe duba yaren manufofin don guje wa ɓacewa daga mahimman wa'adin lokaci, amma babu SOL da ya kamata ya zama ƙasa da shekaru uku a ƙarƙashin ƙa'ida. Washington dokar.

5. Gabatarwar IFCA

The Dokar Daidaiton Inshora (IFCA) ne mai Washington Dokar jiha da aka tsara don kare masu inshora daga ayyukan rashin adalci daga kamfanonin inshorar su. IFCA tana bawa masu inshora damar kai ƙarar masu inshorar su idan kamfanin inshorar ya:

  • Rashin yarda da buƙatar kariya ko biyan fa'idodi ba tare da wani dalili ba.
  • Ya karya dokokin inshora, kamar rashin yin aiki da gaskiya ko ƙin bayar da amsoshi kan lokaci.

IFCA ta ba da damar a bayar da ƙarin diyya da kuɗin lauya idan an gano cewa kamfanin inshora ya karya waɗannan ayyukan.

6. Bukatun Tsarin Aiki ga Shari'o'in IFCA 

Kafin ka yi fayil ɗin Shari'ar IFCA, lauyanka ya kamata ya bi waɗannan matakan ta amfani da haruffa na yau da kullun:

  • Gane Batun: Tantance ko kamfanin inshora ya hana fa'idodi ba tare da wani dalili ba ko kuma ya karya wani takamaiman ƙa'idar inshora.
  • Shirya Wasikar Sanarwa ta Kwanaki 20: Aika sanarwa ta hukuma ga kamfanin inshora, inda za a bayyana tushen da'awar, a yi cikakken bayani game da tushen da'awar, sannan a yi nuni ga duk wata doka da ta dace. Ana buƙatar wannan kafin a shigar da ƙarar IFCA.
  • Tara Takardun: Haɗa duk takardun da suka dace waɗanda ke goyan bayan da'awar, kamar manufofin, wasiƙun neman izini, bayanan likita, da duk wani shaida mai goyan baya.
  • Bibiya: Bi diddigin martanin kamfanin inshora a cikin kwanaki 60. Idan kamfanin inshorar ya kasa warware matsalar a cikin wannan lokacin, ya kamata ku ci gaba da shari'a a ƙarƙashin IFCA.
  • Samfurin Wasikar Buƙatar IFCA: Keɓance wasiƙar buƙatarka ta yau da kullun don tabbatar da cewa ta nuna takamaiman keta dokokin IFCA da duk wani jinkiri ko ƙin yarda da rashin dalili wajen gudanar da da'awar.

Yi Magana da Lauyan Rauni na Musamman na Gogaggen Yau 

Lauyoyin GLP sun tallafa wa abokan ciniki da shari'o'in raunin da suka samu na kansu tsawon shekaru 40. Lauyoyin GLP suna da gogewa wajen cimma adalci ga abokan ciniki waɗanda suka shiga cikin lamarin. mota hatsarin, haɗarin babur, haɗuran manyan motoci, Da kuma da'awar rashin imani na inshora.

Idan ka ji rauni a wani hatsari, kira 800-273-5005 ko kuma a aika wa lauyoyinmu imel a  don tsara shawarwari kyauta na lauya.