By Shaun ʻO. Callahan Hoa | Vancouver Office
He aha ka Palekana ʻEha Pilikino (PIP)?
Palekana Poeha Pilikino he ʻano ʻinikua kaʻa ia e koi ʻia no nā mea hoʻokele āpau ma Oregon, koe wale nō ka poʻe holo paikikala. Pono kēia ʻinikua e hāʻawi ma ka liʻiliʻi loa $15,000 o ka uhi ʻana no kēlā me kēia kanaka i ʻeha i kahi ulia a hiki ke hoʻonui i $100,000 o ka ʻinikua.
Mālama ka Uhi Palekana ʻEha Pilikino iā ʻoe a hiki inā hewa ʻoe no ka ulia.
He aha ka mea e hiki ai ke hoʻohana ʻia ka Personal Injury Protection Coverage no Oregon?
Hiki ke hoʻohana ʻia ka Uhi Hoʻomalu ʻEha Pilikino no:
- Nā lilo lapaʻau:
- Hoʻokomo pū kēia i nā kipa haukapila a me nā kipa niho, ke ʻoki kino, nā holo kaʻa kaʻa, a me nā lawelawe prosthetic i loko o ʻelua mau makahiki ma hope o ka lā o ka ʻeha a hiki i $15,000.
- Nā uku i nalowale ma ka hana:
- Inā loaʻa i ke kanaka ke kīnā no 14 mau lā ma ka liʻiliʻi, e uhi ʻia he 70 pakeneka o kā lākou loaʻa kālā i nalowale mai ka hana ma ka uku kiʻekiʻe loa he $3,000 i ka mahina a hiki i 52 mau pule. Hiki i nā kulekele ʻinikua like ʻole ke hāʻawi i nā pae like ʻole o nā pono.
- Nā lilo e pili ana i ka ʻeha:
- Hiki ke uhi ʻia nā lilo i loaʻa i ka mea i ʻeha no nā lawelawe koʻikoʻi ma ka hale o ka mea i ʻeha ʻia i hana ʻia e ke kanaka ʻaʻole no ka ʻohana pili o ka mea i ʻeha.
- Nā lilo hoʻolewa:
- Hiki ke uhi ʻia nā lilo hoʻolewa a hiki i $5,000 i loko o hoʻokahi makahiki mai ka lā i hōʻeha ʻia ai ke kanaka.
- Ka mālama keiki:
- Inā he mea mālama a kahu paha ka mea i ʻeha no kahi keiki liʻiliʻi a pono e mālama ʻia i ka haukapila no ka liʻiliʻi he 24 mau hola, a hiki i $25 i ka lā o ka mālama keiki e kūpono ke uhi ʻia
He aha ka mea e hana ai inā wau e hoʻokele me ka ʻole o ka ʻinikua pilikino ma Oregon?
Inā he pilikino kāu Oregon kulekele ʻinikua kaʻa e loaʻa iā ʻoe ka PIP. He mea kū ʻole i ke kānāwai ke kalaiwa me ka ʻole o ka ʻinikua ma OregonHiki ke hoʻopiʻi ʻia ʻoe i nā uku nui no ka hoʻokō ʻole a me kāu hiki ke hoʻokuʻu ʻia ka laikini hoʻokele a hiki i hoʻokahi makahiki a i ʻole a hiki i ke kūʻai ʻia ʻana o ka ʻinikua. ʻOiai inā ʻaʻole ʻo kāu hewa ka ulia, ʻo ka hoʻokele ʻana me ka ʻole o ka ʻinikua Oregon hiki ke hopena i ka hiki ʻole ke uku ʻia no kou ʻeha a me kou ʻeha i hana ʻia e ka mea hoʻokele hoʻohemahema. (ORS 31.715)
ʻOiai inā loaʻa iā ʻoe ka Uhi Palekana ʻEha Pilikino, he mea nui e hoʻokele mau me kāu kāleka ʻinikua. Inā huki ʻia ʻoe a ʻaʻohe āu kāleka Palekana ʻEha Pilikino, hiki ke hoʻopaʻi ʻia ʻoe ma nā wahi āpau. mai $130 - $1,000 ma ka manaʻo o ka ʻaha hoʻokolokolo.
Ua uhi ʻia ʻoe e ka Personal Injury Protection Coverage ma Oregon ināʻoe:
- Ua ʻinikua ʻia ma lalo o kāu kulekele ʻinikua ponoʻī
- Aia i loko o kahi kaʻa kaʻa pilikino i hoʻopaʻa ʻia
- Ua pā ʻia kahi mea hele wāwae e kahi kaʻa kaʻa pilikino i hoʻopaʻa ʻia
Inā ʻaʻole ʻoe e hāʻule ma lalo o kēia mau ʻano, e ʻoluʻolu e kamaʻilio me kahi loio hōʻeha pilikino ma GLP e ʻike pehea e hiki ai iā mākou ke kākoʻo i kāu hihia hōʻeha pilikino. He mea nui e hoʻomaopopo i ke ʻano o kāu uhi hōʻeha pilikino i mea e palekana pono ai ʻoe i ka wā o kahi pilikia.
He mea hopohopo ke komo ʻana i kahi ulia kaʻa. Eia nā loio GLP e hōʻoia i loaʻa iā ʻoe ka ʻike kūpono e uhi ʻia ai ke kālā inā loaʻa kahi ulia kaʻa.
Eia nā Loio GLP e pani iā ʻoe ma kāu hihia hōʻeha pilikino:
Eia nā loio GLP e kōkua iā ʻoe e hoʻokele i kāu uhi ma hope o kahi ulia kaʻa. Makemake mākou e hōʻoia ʻoiai ʻoe e ho'ōla ana mai nā ʻeha ulia kaʻa, hiki iā ʻoe ke manaʻo palekana kālā. Hiki ke paʻakikī nā hihia ʻeha pilikino mai kahi ʻeha ulia kaʻa, a pono ʻoe e hoʻomaopopo i nā ʻano kuleana like ʻole a me nā pilikia uhi ʻinikua e pili ana i kāu hihia, me ka uhi ʻana o ka Palekana ʻEha Pilikino. Inā manaʻo ʻoe ua hewa kekahi i ke kumu o kahi ulia āu, kahi lālā o ka ʻohana a i ʻole kahi hoaaloha i komo ai, pono ʻoe e nānā hou ʻia nā ʻoiaʻiʻo o kāu koi e kahi loio i ka hikiwawe loa.
Inā ua pili ʻoe i kahi ulia kaʻa, e ʻoluʻolu e kelepona mai 206.752.4092, a i ʻole leka uila i kā mākou loio hōʻeha pilikino ma no kahi kūkākūkā mua manuahi. E hiki i kekahi o kā mākou loio akamai ke haʻi iā ʻoe inā hiki iā ʻoe ke hōʻiliʻili i nā pohō ma lalo o Oregon kānāwai.
