Mu gawo ili la #PersonalInjury101: Kugundana mu Oregon, Mnzanu Shaun Callahan ikufotokoza njira zofunika kwambiri zomwe oyendetsa galimoto ayenera kuchita pambuyo pa ngozi ya galimoto ndipo ikufotokoza momwe OregonMalamulo a boma amasiyana ndi malamulo a m'maiko oyandikana nawo.
Kuyambira kulemba zochitikazo ndi kusunga umboni mpaka kumvetsetsa Oregonzofunikira za inshuwaransi ndi dongosolo lozikidwa pa zolakwika, Shaun Amalongosola zinthu zomwe zingakhudze kwambiri mlandu wa kuvulala kwa munthu. Amalongosolanso momwe udindo, inshuwalansi, ndi malangizo azamalamulo a panthawi yake zingathandize kwambiri anthu ovulala kupeza zinthu, chithandizo, ndi chitetezo chalamulo chomwe chilipo kwa iwo pambuyo pa ngozi.
Ku GLP Attorneys, tadzipereka kuthandiza anthu ndi mabanja kuthana ndi mavuto omwe amabwera chifukwa cha kugundana kwakukulu, chifundo, ndi utetezi wodalirika wa zamalamulo. Cholinga chathu ndikupangitsa kuti njira zamalamulo zikhale zosavuta, kuyankha mafunso anu, ndikukuthandizani kuyang'ana kwambiri pa zomwe zili zofunika kwambiri, kuchira kwanu ndikupita patsogolo.
Kodi ndiyenera kuchita chiyani ngati ndakumana ndi ngozi mu Oregon?
Dziyerekezereni kuti muli mumkhalidwe wotsatirawu. Mwangokumana ndi ngozi mu OregonMumadziyang'anira nokha ndipo palibe chomwe chikuoneka choopsa. Kodi mukudziwa choti muchite kenako?
Nayi zomwe ndikupangira. Choyamba, nthawi zonse imbani 911. Apolisi amatha kupeza zambiri zonse, laisensi yoyendetsera galimoto ndi makadi a inshuwaransi kuchokera kwa madalaivala ena omwe akhudzidwa. Koma zoona zake n'zakuti, 99% ya nthawi, apolisi sabwera ku ngozi yanu. Ndipo ngakhale atabwera, nthawi zambiri sapereka lipoti. Chifukwa chake muyenera kupeza izi nokha. Muyeneranso kujambula zithunzi za kuwonongeka kwa magalimoto onse omwe akhudzidwa komanso za malo omwe akuchitika. Pezani mayina a mboni ndi zambiri zolumikizirana. Mwachidule, muyenera kukhala wofufuza ngozi yanu.
N’chifukwa chiyani n’kofunika kwambiri kupeza zambiri za munthu wina pambuyo pa ngozi, ndikupereka lipoti la ngozi?
Ndikofunikira kupeza zambiri zonse zokhudza madalaivala ena omwe akhudzidwa ndi ngoziyi pazifukwa ziwiri. Choyamba, muyenera kudziwa amene wakugundani kuti mulandire ndalama zomwe mwawononga pa galimoto yanu komanso inuyo. Lingaliro lina lolakwika ndilakuti chomwe mukufunikira ndi chidziwitso cha inshuwalansi ya munthu. Izi nthawi zina zingakhale zoona, koma dzifunseni kuti chimachitika ndi chiyani ngati inshuwalansiyo sikuchitirani chilungamo ndipo ikukana kulipira ndalama zomwe mwawononga?
Mu dongosolo lathu la chilungamo, ngati mbali inayo ikukana kulipira zomwe mwawononga, njira yokhayo yomwe mungachitire ndikupereka mlandu kwa munthu weniweni amene wakupwetekani. Izi zikubweretsa lingaliro lina lolakwika, ndipo ndiloti mlandu wanu ndi wotsutsana ndi kampani ya inshuwalansi ya munthu winayo. Izi ndi zolakwika ndipo zingayambitse kutayika kwa milandu. Pempho lanu pa ngozi ndi lotsutsana ndi munthu kapena kampani yomwe inachita zinthu mosasamala.
Anthu ochita nawo bizinesiyo, nawonso amalipira mgwirizano wa inshuwaransi pansi pa mgwirizano umenewo. Kampani ya inshuwaransi imavomereza kulipira ndalama zomwe munthuyo kapena kampaniyo yawononga mpaka malire okhazikika. Koma njira yokhayo yokwaniritsira zomwe mukufuna ngati mukuchita zinthu zochepa, ndikumanga mlandu motsutsana ndi munthu kapena kampani yomwe inakulakwirani. Kumanga mlandu inshuwaransi yawo sikungathandize ndipo sikungakufikitseni kulikonse.
Chachiwiri, mu Oregon makamaka, muyenera kupereka lipoti la ngozi mkati mwa maola 72 kuchokera tsiku lomwe ngoziyo inachitikira. Lipotilo lidzakufunsani zambiri zokhudza anthu ndi magalimoto omwe akhudzidwa ndi ngoziyi. Tsopano, ngati mukuyang'ana izi ndikuganiza kuti, ayi, sindinachite zimenezo. Musadandaule. Ingodzazani lipotilo ndikulilemba mwachangu momwe mungathere.
Ngati simunalembe lipoti la ngoziyo pa nthawi yake, Boma la Oregon Ndikhoza kuyimitsa laisensi yanu yoyendetsa galimoto ngakhale simunali wolakwa. Ndalandira mafoni angapo kuchokera kwa anthu omwe amangolankhula ndi loya akangolandira chidziwitso cha kuyimitsa laisensi yanu. Musalole kuti izi zikhale inu. Imbani loya wodziwa bwino ntchito amene amadzipereka kutsatira malamulo okhudza kuvulala kwa munthu mwamsanga pambuyo pa ngozi.
Ndawonapo ngakhale zochitika zina pomwe boma la Oregon wapempha kuti Washington Boma limayimitsa munthu ntchito chifukwa cholephera kupereka lipoti la ngozi. Ngakhale kuti mavutowa angathe kuthetsedwa, ndi bwino kukhala otetezeka. Lembani loya ndikutsatira malamulo pasadakhale.
Kodi OregonDongosolo la "Modified Comparative Negligence" la "Modified Comparative Negligence"?
Oregon ali ndi zomwe timazitcha kuti dongosolo losinthidwa losaganizira bwino, momwe munthu amaletsedwa kubweza ndalama zomwe adawononga ngati ali ndi mlandu woposa 50% pa kuvulala kwake. Chifukwa chake izi zikutanthauza m'malingaliro, ngati oweruza asankha kuti muli ndi mlandu woposa 50% pa chochitika, simupeza chilichonse. Ngati muli ndi mlandu woposa 50% pa chochitikacho, mumalandira ndalama zomwe mudawononga, ngakhale kuti mwachepetsa gawo lanu la cholakwikacho.
Izi ndi zosiyana kwambiri ndi Washington dongosolo, mwachitsanzo, lomwe timalitcha kuti dongosolo loyerekeza losasamalaMu dongosololi, ngakhale munthu amene ali ndi 99% ya zolakwa akhoza kubweza zomwe adawononga, koma ndalama zomwe amalandira zidzachepetsedwa ndi kuchuluka kwa zolakwa zake. Dongosolo lofananiza zolakwika mu Oregon zimapangitsa kuti makampani a inshuwalansi ndi oimbidwa mlandu azilimbikitsa anthu kuti ayese kulimbana ndi mlandu wa munthu pamene mwina sakuyenera.
Mwachitsanzo, mu OregonMakampani a inshuwalansi ndi oimbidwa mlandu adzalimbana kwambiri kuti ayese kupangitsa wodandaulayo kukhala ndi mlandu, ngakhale zitakhala zokayikitsa kwambiri, chifukwa amadziwa kuti ngati angopeza oweruza milandu kuti aimbe mlandu wowonjezera wodandaulayo, akhoza kupewa kulipira ndalama zomwe wodandaulayo adzawononga, ngakhale ndalamazo zitawonongeka kwambiri.
Chofunika kudziwa OregonMalamulo a inshuwalansi?
Monga maiko ambiri, inshuwalansi ya galimoto ndi yofunikira Oregon. Komabe, Oregon ikutipititsa patsogolo ndipo ili ndi mankhwala ophera poizoni kuti akulimbikitseni kutsatira malamulo. Ngati mwachita ngozi mu Oregon ndipo mulibe inshuwalansi ya galimoto, simuloledwa kubweza ndalama zomwe mwawononga. Izi zikutanthauza kuti simupeza chilichonse chokuthandizani pa ululu ndi kuvutika kwanu, zovuta zanu kapena chilema chanu chosatha.
Mukhozabe kupeza ndalama zomwe mwataya, kuphatikizapo malipiro anu ndi ndalama zachipatala. Koma zonsezi, izi ndi zotayika zazikulu ndipo zikutanthauza kuti anthu ambiri amavutika komanso olumala opanda chowabwezera chifukwa cha zotayika zawo. Vuto ndi izi ndilakuti pali zifukwa zambiri zomveka kapena zomveka zomwe zimapangitsa kuti munthu asakhale ndi chitetezo panthawi ya ngozi.
Nthawi zina magalimoto amachotsedwa molakwika pa inshuwaransi. Nthawi zina, munthu akhoza kuiwala kulipira bilu yake ya inshuwaransi pa nthawi yake, ndipo inshuwaransiyo imatha. Mwamwayi, lamulo limapereka zinthu zina zochepa. Takhala tikupambana kupeza chilungamo kwa makasitomala athu m'mikhalidwe yotereyi kale, kuphatikizapo pankhani ya agogo okalamba okoma mtima omwe nthawi zonse ankalipira inshuwaransi yawo polemba cheke pa nthawi yake, cheke yawo inatayika m'positi, kenako osalandira zidziwitso kuchokera ku inshuwaransi yawo kwa mwezi woposa umodzi.
Pankhani ina, munthu amene anali ndi magalimoto opitilira 20 pa inshuwalansi ya galimoto yake anali kuyendetsa galimoto imodzi yomwe inadutsa mu inshuwalansi yake pamene anali kumbuyo ndi liwiro lalikulu. Loya wodziwa bwino za kuvulala kwa munthu adzafufuza izi ndikuwona ngati zikugwirizana ndi vuto lanu.
Ndiyenera kudziwa chiyani OregonChitetezo cha kuvulala kwa munthu (PIP)?
Chinthu chimodzi chachikulu cha Oregon lamulo ndi limenelo Inshuwalansi ya PIP ndi yofunikira, PIP yomwe timati PIP imayimira chitetezo cha kuvulala ndipo ndi chitetezo chomwe chimalipira chisamaliro chanu chamankhwala mpaka ndalama zomwe zakhazikitsidwa. Chinthu chabwino kwambiri pa PIP ndichakuti idzakulipirani ndalama zanu zachipatala mosasamala kanthu za cholakwika, kotero zimathandiza anthu kupeza chithandizo chamankhwala chomwe akufunikira. Ngakhale kuti ma inshuwaransi akadali ofulumira kudziwa yemwe ali ndi cholakwika.
In Oregon, ndalama zochepa za PIP zomwe munthu anganyamule ndi $15,000 pa ma bilu azachipatala. Chinthu china chabwino chokhudza inshuwaransi ya PIP ndichakuti sichimangophimba ma bilu azachipatala okha. Ndipotu, ngakhale ndi ndondomeko ya PIP yochepa, mu Oregon Ikhoza kuphimba ndalama zokwana $700 pa sabata chifukwa cha kutayika kwa malipiro ndipo imathanso kulipira ntchito zapakhomo monga kuyeretsa nyumba yanu kapena kusamalira katundu wanu pamene mukuvulala.
Komabe, pali kusiyana pang'ono ndi maubwino a PIP, ndipo loya wabwino adzakhazikitsa pempho la PIP ndikuthana mwachindunji ndi inshuwaransi yanu kuti atsimikizire kuti mwalandira maubwino omwe mudalipira.
Kodi chiwongola dzanja cha imfa yosayenera ndi chiyani? Oregon?
Chinthu chimodzi chovutitsa maganizo chokhudza Oregon lamulo ndi lakuti boma likadali ndi chilango cha imfa yosayeneraIzi zikutanthauza kuti ngati inu kapena wokondedwa wanu amwalira pangozi, Oregon Ndalama zambiri zomwe banja lanu lingalandire chifukwa cha ululu ndi kuvutika kwanu ndi $500,000.
Tsopano, banja lanu likhozanso kubweza ndalama zomwe munalipirira kuchipatala komanso ndalama zomwe munalipirira maliro.
Komabe, mkati milandu ya imfa yolakwika, nthawi zambiri izi zimakhala zochepa, makamaka ngati imfa imachitika nthawi yomweyo. Maloya a GLP akumenyera kuti asinthe lamuloli motsatira nkhani yoyamba, gawo la khumi la Oregon Constitution. Ngati muli ndi wokondedwa wanu amene waphedwa mu Oregon, imbani maloya a GLP kuti muwone ngati tingathandize.
Maloya a GLP Ali Pano Kuti Akuyimireni Pankhani Yanu Yovulala
Maloya a GLP ali pano kuti akuthandizeni kuthana ndi vuto lanu la kuvulala pambuyo pa ngozi ya galimoto. Tikufuna kuonetsetsa kuti pamene mukuchira kuvulala kwa galimoto, mukumvanso kuti muli ndi ndalama zokwanira.
Ngati mwakhalapo ndi ngozi ya galimoto, chonde imbani foni 800.273.5005, kapena tumizani imelo kwa maloya athu ovulala pa intaneti pa kuti mupeze upangiri woyamba kwaulere. Mmodzi mwa maloya athu aluso adzatha kukuuzani ngati mungathe kubweza ndalama zomwe mwawononga pansi pa Oregon malamulo.
