By Amita Brar  Mubatsiri |  Seattle hofisi

Kupinda mutsaona yemotokari kunogona kuchinja hupenyu hwako nekukasika—kunyanya kana mabhiri ekurapwa nemari yakarasika atanga kuwanda. Ndipo panotanga kuungana. Kudzivirirwa Kwemunhu Pamwe (PIP) Kuvharirwa kunogona kuva chinhu chikuru chinokubatsira. Kana uine, PIP inobatsira kubhadhara mari yako nekukurumidza, pasina chikonzero chekuona kuti ndiani akakanganisa. Asi ko kana usina PIP muinishuwarenzi yako yemotokari?

Ngatitsanangure kuti chii chinonzi PIP, mashandiro ayo, uye zvaunogona kusarudza kana usina mushure metsaona.

Chii chinonzi Inishuwarenzi yePIP?

Kudzivirirwa Kwekukuvara Kwemunhu (PIP) rudzi rweinishuwarenzi yemotokari "isina mhosva". Izvi zvinoreva kuti zvinoshanda zvisinei nekuti ndiani akakonzera tsaonaPIP inogona kubatsira kufukidza:

  • Mari yekurapwa (sekushanya kuchipatara, kuonana nachiremba, uye kurovedza muviri)
  • Kurasikirwa nemari yako kana usingakwanise kushanda nekuda kwekukuvara kwako
  • Mabasa epamba akakosha (akadai sekuchenesa kana rubatsiro rwekutarisira kana wakakuvara zvakanyanya zvekuti haugone kuzvitarisira wega)

Munyika dzakawanda, PIP inodiwa. Zvisinei, mu Washington Nyika, PIP haisi yekumanikidzwa—inovharirwa nesarudzo. Kunyange zvakadaro, vanhu vazhinji vanosarudza kuiwedzera mupolicy yavo nekuda kwekubatsira kwayo kwakakura uye nyore kwayo kuiwana.

Nei PIP Ichikosha?

Kune mabhenefiti akawanda ekuvhura PIP claim mushure mekuroverana kusanganisira kubhadhara mabhiri ekurapwa anosvika makore matatu mushure mekuroverana, kana kusvika ku$10,000 (kana kupfuura zvichienderana nepolicy yako); kusabhadhara deductible kana co-pay; kuvharwa zvisinei nekuti ndiani akakonzera tsaona sezvo PIP isiri mhosva; uye kuva nedziviriro kubva kukambani yako yeinishuwarenzi, iyo nemutemo isingakwanise kukwidza mitengo yeinishuwarenzi yako kana kukanzura polisi yako yekushandisa PIP pakunyora mushumo wetsaona.

Ko Kana Usina PIP?

Kana wakaramba PIP coverage kana kuti usina chokwadi kana unayo, usatya. Uchine dzimwe nzira dzekushandisa PIP coverage.:

  1. Tarisa Inishuwarenzi Yenyu Yehutano
    Kana zvangosimbiswa kuti hauna PIP, inishuwarenzi yako yehutano inofanira kubhadhara kurapwa kwakabatana netsaona. Asi ziva kuti unogona kunge uine mutoro wekubhadhara mari dzinobviswa pachikwereti (deductibles), kubhadhara pamwe chete, uye zvinodiwa zvekutanga kubvumidzwa, zvichienderana nepolicy yako.
  2. Kukumbira Kuburikidza neInishuwarenzi yeAt-Fault Driver
    Kana mumwe mutyairi akakonzera tsaona, unogona kukumbira inishuwarenzi yemhosva yake yekurapwa, kurasikirwa nemari yemuhoro, nezvimwe zvakakuvadzwa. Maitiro aya anogona kutora nguva, uye kubhadharwa kunogona kusauya nekukasika—saka gadzirira kunonoka.
  3. Kudzivirirwa kweMedPay (kana uinayo)
    Mamwe mapolisi emotokari anosanganisira Kubhadhara Kurapa (MedPay) kuvharwa, izvo zvinobatsirawo kubhadhara mari yekurapwa, kunyangwe kazhinji nemari shoma pane PIP.
  4. Zvirongwa zveKubhadhara kana Zvekubhadhara Zviri Mukati
    Pasina PIP kana muripo wehutano unoshanda, mungangoda kukurukura zvirongwa zvekubhadhara nevanokupa rubatsiro kana kutsvaga rubatsiro kubva kugweta rezvekukuvara kwemunhu kuti vaongorore nzira dzekuripa.

Magweta eGLP aripo kuti akumiririre munyaya yako yekukuvara

Magweta eGLP aripo kuti akubatsire kufamba nehurongwa hwako hwekuchengetedza mushure mekurovera mota. Tinoda kuva nechokwadi chekuti paunenge uchipora kubva mukurovera mota, unokwanisawo kunzwa wakachengeteka mune zvemari. Nyaya dzekukuvara kwemunhu nekuda kwekukuvara kwemotokari dzinogona kuoma, uye unofanirwa kunzwisisa mhando dzakasiyana dzenyaya dzekuchengetedza mutoro neinishuwarenzi dzingashanda kunyaya yako, kusanganisira Personal Injury Protection coverage. Kana uchifunga kuti mumwe munhu aive nemhosva mukukonzera tsaona iyo iwe, nhengo yemhuri kana shamwari makabatanidzwa mairi, unofanirwa kuita kuti chokwadi chenyaya yako chiongororwe negweta nekukurumidza.

Kana wakambosangana netsaona yemotokari, ndapota fonera 800.273.5005, kana kutumira email kugweta redu rekukuvara kwemunhu panhamba iyi kuti muwane kubvunza kwekutanga mahara. Mumwe wemagweta edu ane hunyanzvi achakwanisa kukuudzai kana muchikwanisa kubhadhara muripo wemari.