Kunzwisisa Kuvharwa Kwekambani Yekutanga uye Mutemo weInishuwarenzi Yekururamisira

Njodzi dzeModhudhu

In Washington Nyika, kunzwisisa mashandiro anoita inishuwarenzi yemunhu wekutanga kwakakosha kune chero munhu anobatanidzwa mutsaona yemotokari. Inishuwarenzi yemunhu wekutanga inosanganisira Kudzivirirwa Kwekukuvara Kwemunhu (PIP) uye inishuwarenzi yeUninsured/Underinsured Motorist (UM/UIM). Blog rino rinotaura nezvekushanda kweinishuwarenzi yePIP, UM neUIM mu Washington Taura pamwe nekuti Mutemo weInishuwarenzi (IFCA) unoshanda sei.

1. Zvinoita Sei WashingtonBasa reKufukidza reBato rekutanga?

In Washington, inishuwarenzi yekutanga inoreva inishuwarenzi inoripa zvakananga munhu ane inishuwarenzi (muridzi weinishuwarenzi) kukuvara kwake, zvisinei nekuti ndiani ane mhosva mutsaona. Mhando dzakajairika dzeinishuwarenzi yekutanga dzinosanganisira:

Kudzivirirwa Kwekukuvara Kwemunhu (PIP): Inovhara mari yekurapwa, mihoro yakarasika, nezvimwe zvinobatsira kune muridzi weinishuwarenzi nevatakuri mushure mekuroverana.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: Inodzivirira munhu ane inishuwarenzi kana akasangana netsaona nemutyairi asina inishuwarenzi yakakwana kana kuti asina inishuwarenzi. Inovhara kukuvara uko inishuwarenzi yemunhu ane mhosva isingabhadhare zvizere.

WashingtonSisitimu yeinishuwarenzi inoti PIP neUIM zvinopihwa kune vane inshuwarenzi, asi zvinogona kurambwa nekunyora.

2. Mafomu Ekurambwa kwePIP

In Washington, Dziviriro Yekukuvara Kwemunhu (PIP) inofanira kupihwa nemakambani einishuwarenzi, asi vane inishuwarenzi vane sarudzo yekuramba kuvharwa kwePIP. Kurambwa kwacho kunofanira kuitwa nekunyora, uye kana inishuwarenzi ikasawana kurambwa kwakanyorwa, kuvharwa kwacho kunofungidzirwa kuti kuri kushanda.

Nyaya inowanzokurukurwa ndeyekuti shanduko dzemitemo dzinodiwa here kuti mafomu ekurambwa agadziriswe sei, kuve nechokwadi chekuti vane mapolicy vaziviswa zvizere nezvemhedzisiro yekuramba PIP uye kana shanduko dzemutemo dzichifanira kuda maitiro akaomarara ekuramba kufukidzwa.

3. Kudzoserwa Mari dzeGweta paUIM - Izvozvo Zvinoshanda Sei?

Mahler, Hamm, uye Winters zviitiko zvakakosha mu Washington inotaura nezve kudzoserwa kwemari yegweta maererano nezvikumbiro zveVatyairi Vemotokari Vasina Inishuwarenzi (UIM).

Mahler v. Szucs (1993): Yakavamba dzidziso yekuti "yakagadzirwa zvizere" mu Washington, zvichibvumira vanhu vane inishuwarenzi kuti vadzoserwe mari dzavo dzegweta dzakashandiswa mukuwana mabhenefiti pasi pehumbowo hwekutanga. Mari idzi dzinogona kuderedza chero zvikumbiro zvechikwereti zvinoitwa neinishuwarenzi.
Hamm v. State Farm (2001): Yakasimbisa kugona kwemunhu ane inishuwarenzi kudzosa mari yegweta kubva kukambani yeUM, kunyanya mumamiriro ezvinhu apo kambani inopikisa huwandu hwechikumbiro.
Winters v. State Farm (2004): Yakajekesa kudzoserwa kwemari yekambani yeinishuwarenzi uye kudzikiswa kwemari yePIP yekambani yeinishuwarenzi nemari yegweta kana munhu ane inishuwarenzi adzoka pasi peUIM.

Nyaya idzi dzinobvumira vanhu vane inishuwarenzi mukati Washington kudzoserwa mari dzegweta pavanenge vachikwikwidza nyaya dzavo nemakambani avo eUIM, zvichideredza mutoro wemari kune vane inishuwarenzi.

4. Kufunga nezveUIM Statute of Limitations (SOL)

In Washington, ivo Mutemo weMiganhu (SOL) kune zvichemo zvekukuvara kwemunhu, kusanganisira zvinowanzo kuve makore matatu kubva pazuva retsaona. Sezvo chikumbiro cheUIM chakavakirwa pachibvumirano chakanyorwa, mutemo wemiganhu yezvikumbiro izvi unowanzosiyana uye unogona kuva kusvika makore matanhatu kubva pazuva rekutyorwa kwechibvumirano. Zvisinei, zvakakosha kuongorora mapolisi chaiwo, sezvo mamwe mapolisi einishuwarenzi angave nemiganhu mipfupi kana yakareba yechibvumirano. Gara uchitarisa mutauro wemutemo kuti usapotsa nguva yakatarwa, asi hapana SOL inofanira kunge iri pasi pemakore matatu pasi pemutemo wakajairika. Washington mutemo.

5. Nhanganyaya yeIFCA

The Mutemo weInishuwarenzi weKuzvibata Zvakanaka (IFCA) ndiwo Washington mutemo wenyika wakagadzirirwa kuchengetedza vane mapolisi kubva mumabasa asina kunaka anoitwa nemakambani avo einishuwarenzi. IFCA inobvumira vane mapolisi kumhan'arira mainishuwarenzi avo kana kambani yeinishuwarenzi:

Kuramba zvisina musoro chikumbiro chekuvhara kana kubhadhara mari yerubatsiro.
Kutyora mitemo yeinishuwarenzi, zvakaita sekutadza kuita zvinhu nepfungwa dzakanaka kana kuramba kupa mhinduro nenguva.

IFCA inobvumira kuti mari yekuwedzera yekukuvara nemari yegweta ifanirwe kupihwa kana kambani yeinishuwarenzi ikawanikwa kuti yakatyora mabasa aya.

6. Zvinodiwa paKutevedzera Nyaya dzeIFCA

Usati waisa faira Nyaya yeIFCAgweta rako rinofanira kutevedzera matanho aya richishandisa mavara akajairwa:

Ziva Dambudziko: Sarudza kana kambani yeinishuwarenzi yakaramba mabhenefiti zvisina musoro kana kuti yakatyora mutemo weinishuwarenzi chaiwo.
Gadzirira Tsamba Yekuzivisa Yemazuva makumi maviri: Tumira chiziviso chepamutemo kukambani yeinishuwarenzi, uchitsanangura hwaro hwechikumbiro chako, uchitsanangura hwaro hwechikumbiro chako, uye uchitarisa chero mitemo inoshanda. Izvi zvinodiwa usati waendesa nyaya kudare reIFCA.
Gather Documentation: Isa magwaro ese anotsigira chikumbiro, akadai semutemo, tsamba dzekukumbira rubatsiro, zvinyorwa zvekurapa, uye chero humwe humbowo hunotsigira.
Tevera: Tevedzera mhinduro yekambani yeinishuwarenzi mukati memazuva makumi matanhatu. Kana kambani yeinishuwarenzi ikatadza kugadzirisa nyaya yacho mukati menguva iyoyo, zviri pachena kuti uchaenderera mberi nematare pasi peIFCA.
Template yetsamba yekukumbira yeIFCA: Gadzirisa tsamba yako yekukumbira kuti ive nechokwadi chekuti inoratidza kutyorwa kwemitemo yeIFCA uye chero kunonoka kusina musoro kana kuramba mukubata chikumbiro.