Kuthekani ukuba inkampani yeinshorensi ayenzi oko ifanele ikwenze? Ngaba ungazichonga iimpawu zokuba inkampani yakho yeinshorensi isenokuba yenza ngokungaziphathi kakuhle? Kule siqendu se-Personal Injury 101: Inshorensi Inkohlakalo Embi, Iqabane UScott Shawver uxoxa ngendima ebalulekileyo edlalwa yi-inshorensi ekuncedeni abantu ukuba baphile emva kokwenzakala, ingozi, okanye enye ilahleko engalindelekanga. Uchaza ukuba kuthetha ukuthini ukungathembeki kwi-inshorensi phantsi komthetho kunye nesizathu sokuba abanini-polisi bafanele baqonde amalungelo abo xa besebenzisana neenkampani ze-inshorensi.
UScott ugxininisa iimpawu eziqhelekileyo zokulumkisa ukuba inkampani yeinshorensi isenokungawuphathi kakuhle umbango okanye ayizalisekisi uxanduva lwayo phantsi komgaqo-nkqubo. Ukwahlola indlela igqwetha elinokunceda ngayo ukuvavanya ukuziphatha okubi okunokwenzeka kunye nokukhuthaza ukuphathwa ngokufanelekileyo kuyo yonke inkqubo yamabango.
Kwi-GLP Attorneys, sikholelwa ukuba ukufikelela kwiingenelo nenkxaso yinxalenye ebalulekileyo yenkqubo yokubuyisela kwimeko yesiqhelo. Iqela lethu lizimisele ukunceda abantu abonzakeleyo kunye neentsapho zabo baqonde amalungelo abo kwaye baqhubeke phambili ngokuzithemba.
Kutheni i-inshurensi ibalulekile?
Xa uthenga i-inshurensi, uhlawulela uxolo lwengqondo. Ifanele ukuba ikho ukuze ikukhusele, usapho lwakho, kunye nepropathi yakho ukuba kukho into engahambi kakuhle. ingozi yemoto okanye ukwenzakala ngequbuliso. Eyona nto iphambili, i-inshurensi sisithembiso. Inkampani ye-inshurensi ithembisa ukuba ukuba uhlawula iprimiyamu yakho ngexesha elifanelekileyo, baya kufumaneka xa uyidinga kakhulu.
I-inshurensi yenzelwe ukubonelela ngenkxaso xa ululama emva kwengozi embi kakhulu. I-inshurensi ifanele ikuncede ukuba ubuyele ezinyaweni zakho ngokugubungela unyango, unyango, okanye ezinye iimfuno. Akufuneki ukhathazeke ngendlela oza kuhlawula ngayo amatyala akho ukuba wenzakele kwingozi engeyiyo impazamo yakho. Unyango, ukulungiswa kwemoto, okanye umvuzo olahlekileyo unokongeza ngokukhawuleza. I-inshurensi inceda ukugubungela ezo ndleko zingalindelekanga.
Kuthetha ukuthini xa inkampani yeinshorensi isenza izinto ngendlela engafanelekanga?
Xa ufaka ibango, inkampani yakho yeinshorensi inoxanduva olusemthethweni lokukuphatha ngobulungisa nangokunyaniseka. Oku kubizwa ngokuba ngumsebenzi wokuthembeka nokusebenzelana ngokusesikweni. Yinxalenye yayo yonke ipolisi yeinshorensi, nokuba ayibhalwanga ngombala omnyama nomhlophe. Abalungisi beinshorensi kufuneka balijonge ibango lakho ngobulungisa nangokwahlukileyo, kwaye bafanele bajonge iindlela zokuhlawula ibango lakho, kungekhona nje iindlela zokukhanyela okanye ukuhlawula ibango lakho ngaphantsi.
Ukholo olubi kwenzeka xa inkampani yeinshorensi ingakuphathi kakuhle okanye ngokunyaniseka. Oku kungathetha ukwala ibango elisemthethweni, ukulibazisa inkqubo okanye ukungakuniki yonke imali oyityalayo. Ngamafutshane, kuxa inkampani yakho yeinshorensi ibeka inzuzo yayo phambili kunamalungelo akho.
Kutheni ndifanele ndikhathalele ukholo olubi?
Ukuba inkampani yakho yeinshorensi yenza ngokungathembekanga, awuphathwanga ngokungafanelekanga nje kuphela, usenokuba nelungelo lokufumana okungaphezulu nje kwesixa sebango lakho lokuqala. Oku kungabandakanya imbuyekezo yemali eyongezelelweyo, iintlawulo zamagqwetha kunye neentlawulo zamangqina angoochwephesha, iintlawulo zomonakalo ongumzekelo, kunye nomonakalo woxinzelelo lweemvakalelo. Ezinye zezi zenzo zokwaphulwa komthetho zisenokuphula imithetho yokhuseleko lwabathengi karhulumente, zikunike ezinye iindlela zomthetho.
Ziziphi ezinye zemizekelo yokungabi nalukholo yinkampani yeinshorensi?
In Washington karhulumente, ezinye zeempawu ezibalulekileyo ekufuneka uziqwalasele kukusilela ukuphanda ibango lakho ngokufanelekileyo. Ukukhanyela ibango ngaphandle kokunika isizathu esicacileyo okanye esifanelekileyo. Ukukukhohlisa malunga noko ipolisi yakho igubungelayo. Ukulibazisa intlawulo ngaphandle kwesizathu esivakalayo. Ukwala ukukuthethelela okanye ukusombulula ibango xa kufuneka.
Ngaba ndifuna igqwetha eliza kundinceda ngebango lam leinshorensi?
Mhlawumbi sesona sizathu siphambili sokuba nxibelelana negqwetha Ukuba ucinga ukuba awuphathwa ngobulungisa okanye ngokunyaniseka, kungenxa yokuba amagqwetha ethu anamava amaninzi kwaye achaphazeleka kolu hlobo lwamabango, kwaye anokubona ngokukhawuleza ukuba ungazisingatha ngokwakho na ezi zinto, okanye ukuba ungazuza na ngokuqesha igqwetha. Yiyo loo nto kubalulekile ukuthetha negqwetha eliqondayo ukuba lilungile na, kunye nokuba iinkampani zeinshorensi kufuneka zenze ntoni.
Kwi-GLP Attorneys, sinelayisenisi e- Washington, Oregon kwaye Idaho, kwaye siyazi indlela yokukhusela amalungelo akho naphi na apho ityala lakho likhoyo.
Ndingenza ntoni ukuba ndicinga ukuba inkampani yam yeinshorensi yenza izinto ngendlela engafanelekanga?
Akunyanzelekanga ukuba ujongane nale nto wedwa. Iinkampani zeinshorensi ziyazi indlela yokukhusela umvuzo wazo, kwaye zenza njalo yonke imihla. Ukuba ucinga ukuba umshwalense wakho akalungi okanye akathembekanga, thetha negqwetha uyathemba.
Thetha neGqwetha elinamava le-inshorensi yoBulungisa obubi namhlanje
Apha kwi-GLP Attorneys, siyaqonda ukuba kunokuba nzima kangakanani na xa inkampani yeinshorensi ingaphumeleli ukufezekisa izithembiso ezenziwe kwipolisi yakho. Ngamava eminyaka emininzi okuphatha amabango omshuwalense ongengowokholo kwaye sinerekhodi eliqinisekisiweyo lokuba abanini bomshuwalense banoxanduva, silapha ukukuxhasa kuyo yonke inyathelo.
Ukuba ukholelwa ukuba inkampani yakho yeinshorensi yenze ngendlela engafanelekanga okanye ilahlile ibango lakho ngenxa yokungabi nalukholo, silapha ukukunceda. (800) 273-5005 okanye uthumele i-imeyile kumagqwetha ethu ku ukwenzela ukubonisana simahla.
