By Shaun O. Callahan | Iqabane | Vancouver iofisi
Yintoni uKhuseleko lokulimala komntu (PIP)?
Ukukhuselwa kokwenzakala komntu luhlobo lwe-inshurensi yemoto oluyimfuneko kubo bonke abaqhubi Oregon, ngaphandle kwabakhweli beebhayisekile. Le inshurensi kufuneka ibonelele ubuncinane I-$15,000 yokugubungela kumntu ngamnye olimele kwingozi kwaye unokwandisa ukuya kuthi ga kwi-$100,000 yokhuseleko.
Ukhuseleko loMngcipheko woKwenzakala koMntu luyakukhusela nokuba ukuba nguwe onetyala ngengozi.
Yintoni enokusetyenziswa kwi-Inshorensi yoKhuseleko loKuzenzakala koMntu Oregon?
Ukhuseleko loMngcipheko woKwenzakala koMntu lungasetyenziselwa:
- Iindleko zonyango:
- Oku kuquka ukutyelela esibhedlele nakumazinyo, utyando, ukukhwela i-ambulensi, kunye neenkonzo zokufakelwa amalungu omzimba kwiminyaka emibini emva komhla wokwenzakala ukuya kuthi ga kwi-$15,000
- Umvuzo olahlekileyo emsebenzini:
- Ukuba umntu ukhubazekile ubuncinane iintsuku ezili-14, ama-70 ekhulwini engeniso yakhe elahlekileyo emsebenzini iya kugutyungelwa ngentlawulo ephezulu ye-$3,000 ngenyanga ukuya kuthi ga kwiiveki ezingama-52. Iipolisi ezahlukeneyo zeinshorensi zinokubonelela ngamanqanaba ahlukeneyo eenzuzo.
- Iindleko ezinxulumene nokwenzakala:
- Iindleko ezenziwe ngumntu owenzakeleyo ngeenkonzo ezibalulekileyo kusapho lomntu owenzakeleyo zinokuhlawulelwa ezenziwe ngumntu ongekho kusapho olusondeleyo lomntu owenzakeleyo.
- Iindleko zomngcwabo:
- Iindleko zomngcwabo ezifikelela kwi-$5,000 zifanelekile ukuhlawulelwa kungekapheli unyaka omnye ukususela kumhla wokwenzakala komntu.
- Unonophelo lwabantwana:
- Ukuba umntu owenzakeleyo ungumnakekeli okanye umgcini womntwana omncinci kwaye kufuneka alaliswe esibhedlele ubuncinane iiyure ezingama-24, ukuya kuthi ga kwi-$25 ngosuku yokhathalelo lwabantwana ifanelekile ukugutyungelwa.
Kwenzeka ntoni ukuba ndiqhuba ngaphandle kwe-Inshorensi yoBuqu e- Oregon?
Ukuba unomntu Oregon ipolisi yeinshorensi yemoto oza kuba nayo i-PIP. Akukho mthethweni ukuqhuba ngaphandle kweinshorensi e- OregonUngahlawuliswa imali eninzi ngokungathobeli imithetho kwaye Ilayisenisi yokuqhuba ingamiswa ukuya kuthi ga kunyaka omnye okanye de kube kuthengwe i-inshurensi. Nokuba ingozi ayilotyala lakho, ukuqhuba ngaphandle kwe-inshurensi Oregon kunokubangela ukuba ungakwazi ukuhlawulwa ngentlungu nokubandezeleka okubangelwe ngumqhubi ongakhathaliyo. (ORS 31.715)
Nokuba une-Personal Injury Protection Insurance, kubalulekile ukuba uhlale uqhuba nekhadi lakho le-inshorensi. Ukuba umiswa kwaye ungenalo ikhadi lakho le-Personal Injury Protection, ungahlawuliswa naphi na. ukusuka kwi-$130 ukuya kwi-$1,000 ngokokubona kwenkundla.
Ukhuselwe yi-Personal Injury Insurance ku Oregon ukuba:
- Une-inshorensi phantsi kwepolisi yakho ye-inshorensi
- Bakwimoto yabakhweli abazimeleyo ene-inshorensi
- Ngaba umntu ohamba ngeenyawo utshayiswe sisithuthi somkhweli esinomshuwalense
Ukuba awuweli phantsi kwezi ndidi, nceda uthethe negqwetha lezonyango zokonzakala komntu kwi-GLP ukuze ufumane indlela esinokulixhasa ngayo ityala lakho lokonzakala komntu. Kubalulekile ukuqonda ukuba yintoni na inshorensi yakho yokonzakala komntu ukuze ukhuseleke ngokufanelekileyo xa kukho imeko engxamisekileyo.
Ukungena kwingozi yemoto kuyaxhalabisa. Amagqwetha e-GLP alapha ukuqinisekisa ukuba unolwazi olufanelekileyo ukuze uhlawulelwe ngemali xa kwenzeka ingozi yemoto.
Amagqwetha e-GLP alapha ukukumela kwityala lakho lokulimala komntu:
Amagqwetha e-GLP alapha ukukunceda ulawule ukhuseleko lwakho emva kwengozi yemoto. Sifuna ukuqinisekisa ukuba ngelixa uphola kwingozi yemoto, uyakwazi ukuziva ukhuselekile ngokwezimali. Amatyala okwenzakala komntu ngenxa yokwenzakala kwingozi yemoto anokuba nzima, kwaye kufuneka uqonde iintlobo ngeentlobo zemiba yokhuseleko kunye ne-inshurensi enokusebenza kwityala lakho, kubandakanya nokhuseleko loKhuseleko loKhuseleko loKuba neNgozi. Ukuba ucinga ukuba kukho umntu owenze ityala ekubangeleni ingozi wena, ilungu losapho okanye umhlobo ebenibandakanyeka kuyo, kufuneka ufumane iinkcukacha zebango lakho zihlolwe ligqwetha ngokukhawuleza.
Ukuba ukhe wabandakanyeka kwingozi yemoto, nceda utsalele umnxeba 206.752.4092, okanye uthumele i-imeyile kumagqwetha ethu okwenzakala komntu ku ukuze ufumane ingcebiso yokuqala yasimahla. Omnye wamagqwetha ethu anobuchule uya kukwazi ukukuxelela ukuba ungakwazi na ukuqokelela umonakalo phantsi Oregon mthetho.
