By URayna Girtz  | Igqwetha Elisebenzisanayo |  Spokane iofisi

Ngumsebenzi womqhubi ngamnye ukulandela imithetho yendlela nokuqhuba ngokukhuselekileyo; nangona kunjalo, iingozi zisenzeka. Kule mizuzu, uhlobo lomshuwalense wemoto onawo lunokwenza umahluko omkhulu kungekuphela nje kwimoto yakho, kodwa nakwimpilo-ntle yakho yezemali neyomntu ngamnye. Washington abaqhubi, ukuqonda indlela esebenza ngayo i-inshorensi esisiseko efana ne-Personal Injury Protection (PIP) kunye ne-Uninsured/Underinsured Motorist (UM/UIM) kubalulekile.

Masihlalutye ukubaluleka kwezi nkonzo zokhuseleko kunye nesizathu sokuba ungathanda ukuqwalasela imigaqo-nkqubo ebanzi ukuze ukhuseleke ngakumbi.

Yintoni i-Inshorensi yeQela lokuQala?

In Washington, ukhuseleko lomntu wokuqala lubhekisa kwi-inshurensi ekhusela wena, umnini-polisi, nokuba ngubani obangele ingozi. Iintlobo eziqhelekileyo zomshuwalense weqela lokuqala ziquka:

  1. uKhuseleko loKuzenzakalela komntu (PIP): Ihlawulela iindleko zonyango, imivuzo elahlekileyo, kunye nezinye izibonelelo zomnini-polisi kunye nabakhweli emva kwengozi. 
  2. Umqhubi wemoto ongaKhuselwanga/oNgaphantsi kwe-inshurensi (UM/UIM) Ukhuseleko: Ikhusela umntu ofakwe kwi-inshorensi ukuba ubandakanyeke kwingozi nomqhubi ongenayo okanye ongenayo i-inshorensi. Igubungela umonakalo ongahlawulwanga ngokupheleleyo yi-inshorensi yomntu onetyala.

Kutheni i-Umbrella Coverage ibalulekile kwi Washington

Washington umthetho ufuna abaqhubi baphathe i-inshorensi yoxanduva, kodwa oko kugubungela kuphela umonakalo abawenzayo kwabanye. Ukuba utshayiswa ngumntu ongena-inshorensi okanye onokhuseleko oluncinci kwaye awunayo i-inshorensi ye-PIP okanye ye-UM/UIM, ungashiywa uhlawula amatyala akho.

Nantsi indlela i-PIP kunye ne-UM/UIM ezinokunceda ngayo:

  • Ukhuseleko Kubaqhubi Abangena-inshorensi: Ihlawulela iindleko zakho zonyango, umonakalo wemoto, kunye nezinye ilahleko ukuba umqhubi onetyala akanayo i-inshorensi.
  • Ukhuseleko Kubaqhubi Abangena-inshorensi Epheleleyo: Izalisa umsantsa wezemali ukuba umda wepolisi yomnye umqhubi awanelanga ukugubungela iindleko zakho.
  • Ukhuseleko kwiingozi zokubetheka nokubaleka: Ikuvumela ukuba ufumane imbuyekezo nokuba omnye umqhubi ubaleka kwindawo yengozi kwaye akanakubonwa.

Nxibelelana neGqwetha elinamava ngezoNzakalo zoMntu namhlanje

Amagqwetha e-GLP akhona ukukunceda ulawule umshuwalense wakho emva kwengozi yemoto. Njengoko uphola kwingozi yemoto, siza kuqinisekisa ukuba uyakwazi ukuziva ukhuselekile ngokwezimali. Amatyala okwenzakala komntu ngenxa yokwenzakala kwingozi yemoto anokuba nzima, kwaye kufuneka uqonde iintlobo ngeentlobo zemiba yokhuseleko kunye ne-inshorensi enokuthi isebenze kwityala lakho. Ukuba ucinga ukuba kukho umntu owenze ityala ekubangeni ingozi wena, ilungu losapho, okanye umhlobo obebandakanyeka kuyo, kufuneka ufumane iinkcukacha zebango lakho zihlolwe ligqwetha ngokukhawuleza.

 Ukuba ukhe wabandakanyeka kwingozi yemoto, nceda utsalele umnxeba 800.273.5005 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.