In Washington He mea nui te mārama ki te mahi a te inihua tuatahi mō te hunga katoa e uru ana ki tētahi tukinga motuka. Kei roto i te inihua tuatahi te Tiakitanga Whara Whaiaro (PIP) me te inihua mō te Kaitaraiwa Kore Inihua/Kore Inihua (UM/UIM). Ka matapakihia e tēnei tuhinga te mahi a te inihua PIP, UM me te UIM i roto i Washington Me whakamārama anō hoki me pēhea te whai pānga o te Insurance Fair Conduct Act (IFCA).

1. Pehea WashingtonNgā Mahi Kapinga a te Rōpū Tuatahi?

In Washington, ko te inihua tuatahi e pā ana ki te inihua e utu tika ana i te tangata kua inihuatia (te kaipupuri kaupapa here) mō ā rātou ake kino, ahakoa ko wai te he o te tukinga. Ko ngā momo inihua tuatahi e pā ana ki:

  • Te Tiakitanga Whara Whaiaro (PIP): E kapi ana i ngā whakapaunga hauora, ngā utu kua ngaro, me ētahi atu painga mō te kaipupuri kaupapa here me ngā pāhihi i muri i te tukinga.
  • Te Kapinga mō te Kaitaraiwa Kāore i te Inihuarahia/Kāore i te Inihuarahia (UM/UIM): Ka tiaki i te tangata inihua mēnā ka uru atu rātou ki tētahi tukinga me tētahi taraiwa kāore i te rawaka, kāore rānei he inihua. Ka hipokina e ia ngā utu kino kāore e utua katoatia e te inihua a te tangata hara.

WashingtonE whakahau ana te pūnaha inihua a te kamupene inihua kia tukuna te PIP me te UIM ki ngā kaipupuri kaupapa here, engari ka taea te whakakore mā te tuhituhi.

2. Ngā Puka Whakakore mō te PIP

In Washington, me tuku e ngā kaiinihua te Tiakitanga Whara Whaiaro (PIP), engari he kōwhiringa kei ngā kaipupuri kaupapa here ki te whakakore i te kapinga PIP. Me tuku te whakakorenga mā te tuhituhi, ā, ki te kore te kaiinihua e whiwhi i tētahi whakakorenga tuhituhi, ka kiia kei te whai mana te kapinga.

Ko tētahi o ngā kaupapa kōrero e pā ana ki te katoa ko te hiahia kia whakahoutia ngā ture mō te whakahaere i ngā puka whakakorenga, me te whakarite kia tino mōhio ngā kaipupuri kaupapa here ki ngā hua o te whakakorenga i te kapinga PIP, me te hiahia kia kaha ake ngā tukanga hei whakakore i te kapinga i roto i ngā huringa ki te ture.

3. Te Whakaora i ngā Utu Roia i runga i te UIM – Me Pēhea te Mahi?

Mahler, Hamm, a toetoe he take nui i roto i Washington e aro ana ki te whakahoki mai i ngā utu rōia e pā ana ki ngā kereme mō ngā Kaitaraiwa Inihuara Kore rawa (UIM).

  • Mahler v. Szucs (1993): I whakatūria te kaupapa "kua oti katoa" i roto i Washington, e āhei ai ngā kaiinihua ki te whakahoki mai i ā rātou utu rōia i puta i te whakahokinga mai o ngā painga i raro i te kapinga tuatahi. Ka taea e ngā utu te whakaiti i ngā kereme here a te kaiinihua.
  • Hamm v. State Farm (2001): I whakaū i te kaha o te tangata inihua ki te whakahoki mai i ngā utu rōia mai i te kaikawe UM, inā koa i ngā wā e tautohe ana te kaikawe i te nui o te kereme.
  • Winters v. State Farm (2004): I whakamāramahia te whakahokinga mai me te whakaiti i te herenga PIP a te kamupene inihua mā ngā utu rōia ina ora ake te tangata inihua i raro i te UIM.

Mā ēnei kēhi ka taea e ngā tāngata whai inihua te uru atu Washington hei whakahoki mai i ngā utu rōia ina tautohe ana ki ā rātou kaikawe UIM, kia whakaitihia ai te taumahatanga utu ki runga i te tangata kua inihuatia.

4. Ngā Whakaaro mō te Ture Whakawhāiti a te UIM (SOL)

In Washington, te Ture Whakawhāiti (SOL) mō ngā kereme whara whaiaro, tae atu ki te mea whānuitia e toru nga tau mai i te rā o te aituā. Nā te mea he kirimana tuhituhi te kereme UIM, he rerekē te roa o te wā here mō ēnei kereme, ā, ka taea te ono tau mai i te rā i takahia ai te kirimana. Heoi, he mea nui kia arotakehia ngā kaupapa here motuhake, nā te mea he poto ake, he roa ake rānei ngā here kirimana o ētahi kaupapa here inihua. Tirohia tonutia te reo o te kaupapa here kia kore ai e ngaro ngā rā kati nui, engari kaua tetahi SOL e iti iho i te toru tau i raro i te paerewa. Washington Ture.

5. Whakataki IFCA

te Ture Whakahaere Tika Inihuara (IFCA) ko te Washington ture ā-rohe i hangaia hei tiaki i ngā kaipupuri kaupapa here mai i ngā mahi hē a ā rātou kamupene inihua. Ka whakaaetia e te IFCA ngā kaipupuri kaupapa here ki te whakawakia ā rātou kaiinihua mēnā:

  • Te whakakahore koretake i tētahi kereme mō te kapinga, te utu rānei i ngā āwhina.
  • E takahi ana i ngā ture inihua, pērā i te kore mahi i runga i te ngākau pono, te kore rānei e tuku whakautu i te wā tika.

Ka whakaaetia e te IFCA te whakawhiwhinga i ngā utu mō ngā kino me ngā utu rōia mēnā ka kitea kua takahia e te kaiinihua ēnei herenga.

6. Ngā Whakaritenga Tukanga mō ngā Take IFCA 

I mua i tō tuku tono take IFCA, me whai tō rōia i ēnei mahi mā te whakamahi i ngā reta paerewa:

  • Tautuhia te Take: Whakatauhia mēnā kua whakakahoretia noatia e te kaiinihua ngā painga, kua takahia rānei e ia tētahi ture inihua motuhake.
  • Whakaritea he Reta Pānui 20-Rā: Tukuna he pānui ōkawa ki te kamupene inihua, e whakamārama ana i te pūtake o te kereme, e whakaatu ana i ngā taipitopito mō tō kereme, me te whakahua i ngā ture e tika ana. Me mahi tēnei i mua i te tuku i tētahi kereme a te IFCA.
  • Kohikohi Tuhinga: Whakaurua ngā tuhinga katoa e tautoko ana i te kereme, pērā i te kaupapa here, ngā reta kereme, ngā pūkete hauora, me ētahi atu taunakitanga tautoko.
  • Whai Whai: Aroturukihia te urupare a te kaiinihua i roto i te wā 60-rā. Mēnā kāore e taea e te kaiinihua te whakatau i te take i roto i taua wā, ka taea e koe te haere tonu me te whakawakanga i raro i te IFCA.
  • Tauira Reta Tono a te IFCA: Whakaritea tō reta tono paerewa kia tino kitea ai ngā takahi motuhake a te IFCA me ngā whakaroa, ngā whakakorenga rānei kāore i te tika i te whakahaere i te kereme.

Kōrero ki tētahi Roia Whara Whaiaro Matatau i Tēnei Rā 

E 40 tau a GLP Attorneys e tautoko ana i ngā kiritaki me ā rātou take whara whaiaro. He wheako tō GLP Attorneys ki te whakatutuki i te tika mō ngā kiritaki kua uru ki roto motuka motokā, ngā aituā motopaika, ngā aituā taraka, a ngā kereme inihua kino.

Mena kua whara koe i tētahi aituā, waea atu ki 800-273-5005 īmēra mai rānei ki ā mātou rōia i  ki te whakarite i tētahi kōrerorero rōia kore utu.