Kule siqendu se-#PersonalInjury101: Ukungqubana kwi Oregon, Iqabane Shaun Callahan ixoxa ngamanyathelo abalulekileyo afanele athathwe ngabaqhubi emva kwengozi yemoto kwaye ichaza indlela OregonImithetho ka-'s yahlukile kweyamazwe angabamelwane.
Ukususela ekubhaleni ingxelo yesiganeko nokugcina ubungqina ukuya ekuqondeni Oregoniimfuno zomshuwalense kunye nenkqubo esekwe kwiimpazamo, Shaun ucacisa izinto ezinokuchaphazela kakhulu ibango lokwenzakala komntu. Ukwachaza nendlela uxanduva, umshuwalense, kunye nesikhokelo sezomthetho esifike ngexesha elifanelekileyo esinokudlala indima ebalulekileyo ekuncedeni abantu abonzakeleyo ukuba bafumane izibonelelo, inkxaso, kunye nokhuseleko olusemthethweni olufumanekayo kubo emva kwengozi.
Apha kwi-GLP Attorneys, sizimisele ukunceda abantu kunye neentsapho ukuba bajongane nemiphumo yeengozi ezinkulu ngokucacileyo, imfesane, kunye nommeli othembekileyo wezomthetho. Injongo yethu kukwenza lula inkqubo yezomthetho, siphendule imibuzo yakho, kwaye sikuncede ugxile kwizinto ezibaluleke kakhulu, ukubuyela kwimeko yesiqhelo kunye nokuqhubela phambili.
Ndingenza ntoni ukuba ndibe sengozini kwi Oregon?
Zibone ukwimeko elandelayo. Usandul' ukuba sengozini e- OregonUyazijonga kwaye akukho nto ibonakalayo imbi. Uyazi ukuba uza kwenza ntoni emva koko?
Nantsi into endiyicebisayo. Okokuqala, fowunela ku-911 rhoqo. Amapolisa anokufumana lonke ulwazi, ilayisenisi yokuqhuba kunye namakhadi e-inshurensi kwabanye abaqhubi ababandakanyekayo. Kodwa inyani kukuba, i-99% yexesha, amapolisa akayi kuza kwingozi yakho. Kwaye nokuba bayayenza, adla ngokungayi kunika ingxelo. Ngoko ke kufuneka uzifumanele olu lwazi ngokwakho. Kufuneka uthathe iifoto zomonakalo kuzo zonke izithuthi ezibandakanyekileyo kunye nendawo eqhelekileyo. Fumana amagama amangqina kunye nolwazi loqhagamshelwano. Ngamafutshane, kufuneka ube ngumphengululi wakho weengozi.
Kutheni kubaluleke kangaka ukufumana ulwazi lomnye umntu emva kwengozi, kunye nokufaka ingxelo yengozi?
Kubalulekile ukufumana lonke ulwazi malunga nabanye abaqhubi ababandakanyeke kwingozi ngenxa yezizathu ezibini. Okokuqala, kufuneka wazi ukuba ngubani okutshayileyo ukuze ufumane umonakalo kwimoto yakho nakuwe. Enye impazamo eqhelekileyo kukuba konke okudingayo lulwazi lomntu nge-inshorensi. Oku kunokuba yinyani ngamanye amaxesha, kodwa zibuze ukuba kwenzeka ntoni ukuba i-inshorensi ayikuphathi kakuhle kwaye iyala ukuhlawula umonakalo wakho?
Kwinkqubo yethu yobulungisa, ukuba elinye icala liyala ukuhlawula umonakalo wakho, into onokuyenza kukufaka ityala nxamnye nomntu okukhubekisileyo. Oku kuzisa enye impazamo eqhelekileyo, kwaye kukuba ibango lakho lichasene nenkampani yomshuwalense yomnye umntu. Oku akulunganga ngokwengcali kwaye kunokukhokelela ekulahlekelweni kwamabango. Ibango lakho kwingozi lichasene nomntu okanye inkampani eyenze ngokungakhathali.
Abo badlali, bona bahlawula isivumelwano se-inshorensi phantsi kweso sivumelwano. Inkampani ye-inshorensi iyavuma ukuhlawula umonakalo owenziwe ngumntu okanye inkampani ukuya kuthi ga kumda omiselweyo. Kodwa indlela ekuphela kwayo yokunyanzelisa ibango lakho ukuba udlala indima ephantsi, kukufaka isimangalo nxamnye nomntu okanye inkampani ekonile. Ukumangalela i-inshorensi yabo akuyi kusebenza kwaye akuyi kukusa ndawo.
Okwesibini, kwi Oregon ngokukodwa, kufuneka ufake ingxelo yengozi zingadlulanga iiyure ezingama-72 ukususela kumhla wengozi. Le ngxelo yengozi iza kukucela ulwazi malunga nabantu kunye nezithuthi ezibandakanyekileyo kwingozi. Ngoku, ukuba ubukele oku kwaye ucinga ukuba, hayi, andizange ndenze loo nto. Ungakhathazeki. Fumana nje ingxelo yengozi igcwaliswe kwaye uyifayilishe ngokukhawuleza.
Ukuba awuyizalisi ingxelo yengozi ngexesha elifanelekileyo, iLizwe le Oregon Ndingakwazi kwaye ndiza kuyimisa ilayisenisi yakho yokuqhuba nokuba awuzange ube nempazamo. Ndifumene iminxeba emininzi evela kubantu abaqhagamshelana negqwetha kuphela emva kokuba befumene isaziso sokumiswa kwelayisenisi. Musa ukuvumela oku kube nguwe. Fowunela igqwetha elinamava ozinikele kumthetho wokwenzakala komntu ngokukhawuleza emva kwengozi.
Ndikhe ndabona neemeko apho imeko Oregon uye wacela ukuba Washington Urhulumente uyammisa umntu emva kokusilela ukufaka ingxelo yengozi. Nangona ezi ngxaki zinokulungiswa, kungcono kakhulu ukuba ukhuselekile. Qesha igqwetha kwaye ulandele umthetho kwangaphambili.
Yintoni i OregonInkqubo "yokuNgakhathali okuQhathaniswayo okuGuquliweyo"?
Oregon inayo into esiyibiza ngokuba yi inkqubo yokungakhathali ehlengahlengisiweyo, apho umntu engavumelekanga ukubuyisa umonakalo wakhe ukuba ungaphezulu kwe-50% yokulimala kwakhe. Ngoko ke oku kuthetha ukuthini, ukuba ijaji ligqiba kwelokuba ungaphezulu kwe-50% yomonakalo kwisiganeko, awufumani nto. Ukuba ungaphezulu kwe-50% okanye ngaphantsi komonakalo kwisiganeko, ufumana umonakalo wakho, nangona uncitshiswe yinxalenye yakho yempazamo.
Oku kwahluke kakhulu kwi Washington inkqubo, umzekelo, esiyibiza ngokuba yi inkqubo yothelekiso yokungakhathaliKule nkqubo, nomntu one-99% yempazamo unokubuyisela umonakalo wakhe, kodwa isixa asifumanayo siya kuncitshiswa yipesenti yempazamo yakhe. Inkqubo yempazamo etshintshiweyo ethelekisayo kwi Oregon idala isikhuthazo esigqwethekileyo kubanini-inshorensi kunye nabamangalelwa ukuba bazame ukulwa ityala lomntu apho mhlawumbi kungafanelekanga ukuba balwe khona.
Ngokomzekelo, ngaphakathi Oregon, abanini bomshuwalense kunye nabamangalelwa baza kulwa nzima ukuzama ukudala iimpazamo kwicala lommangali, nokuba oko kuyathandabuzeka kakhulu, kuba bayazi ukuba ukuba banokufumana ijaji ukuba libeke ityala elingakumbi kummangali, banokuphepha ukuhlawula umonakalo kummangali, nokuba loo monakalo mkhulu.
Yintoni ebalulekileyo ukwazi ngayo OregonImithetho yeinshorensi?
Njengamazwe amaninzi, i-inshurensi yemoto iyimfuneko Oregon. Nangona kunjalo, Oregon isithatha inyathelo eliya phambili kwaye inepilisi yetyhefu ekhuthaza ukuthotyelwa komthetho. Ukuba ufumana ingozi e- Oregon kwaye ungenayo i-inshurensi yemoto, awuvumelekanga ukuhlawula umonakalo oqhelekileyo. Oku kuthetha ukuba awufumani nto yokukubuyisela intlungu nokubandezeleka kwakho, ukuphazamiseka okanye ukukhubazeka okusisigxina.
Usenako ukuphinda uhlawule ilahleko yakho yezoqoqosho, kuquka ukulahlekelwa ngumvuzo wakho kunye neebhili zonyango. Kodwa ngokubanzi, le yilahleko enkulu kwaye ithetha ukuba abantu abaninzi bashiywa bebuhlungu kwaye bekhubazekile bengenanto yokubabuyisela ngenxa yokulahlekelwa kwabo. Ingxaki ngale nto kukuba kukho izizathu ezininzi ezivakalayo okanye eziqondakalayo zokuba kutheni umntu esenokungabi na-inshorensi ngexesha lengozi.
Ngamanye amaxesha izithuthi zisuswa ngempazamo kwi-inshorensi. Ngamanye amaxesha, umntu usenokuba ulibale ukuhlawula ityala lakhe le-inshorensi ngexesha, kwaye i-inshorensi iya kuphelelwa. Ngethamsanqa, umthetho ubonelela ngezinye iimeko ezimbalwa. Siphumelele ekufumaneni ubulungisa kubathengi bethu kwezi meko ngaphambili, kuquka nakwimeko apho umakhulu omdala othandekayo owayesoloko ehlawula i-inshorensi yakhe ngephepha ngexesha, itshekhi yakhe yalahleka ngeposi, waza akafumana izaziso zesilumkiso kwi-inshorensi yakhe kangangenyanga.
Kwelinye ityala, indoda eyayinemoto ezingaphezu kwama-20 kwipolisi yayo yemoto yayiqhuba imoto enye eyayiphulukene nepolisi yayo xa yayingasemva ngesantya esiphezulu. Igqwetha elihle lokonzakala komntu liza kuphanda ezi zinto lize libone ukuba ziyasebenza na kwimeko yakho.
Yintoni endimele ndazi ngayo Oregonukhuseleko lokulimala komntu (PIP)?
Enye into enkulu ye Oregon umthetho ngulowo I-inshurensi ye-PIP iyimfuneko, i-PIP esiyibiza ngokuba yi-PIP imele ukhuseleko lokwenzakala komntu kwaye lukhuselo oluhlawulela unyango lwakho ukuya kuthi ga kwisixa esimiselweyo. Into entle nge-PIP kukuba iya kugubungela iindleko zakho zonyango nokuba kukho isiphene, ngoko ke inceda abantu bafumane unyango abaludingayo. Ngelixa i-inshorensi isacacisa ukuba ngubani onetyala.
In Oregon, isixa esincinci se-PIP umntu anokuyithwala yi-$15,000 kwiindleko zonyango. Enye into entle nge-inshurensi ye-PIP kukuba igubungela okungaphezulu nje kweendleko zonyango. Enyanisweni, nokuba unepolisi ye-PIP encinci, kwi Oregon Ingagubungela ukuya kuthi ga kwi-$700 ngeveki kwilahleko yomvuzo kwaye ingahlawulela neenkonzo zasekhaya ezifana nokucoca ikhaya lakho okanye ukugcina impahla yakho ngelixa wenzakele.
Nangona kunjalo, kukho umahluko othile ngeenzuzo ze-PIP, kwaye igqwetha elifanelekileyo liya kuseta ibango le-PIP kwaye lijongane ngqo ne-inshurensi yakho ukuqinisekisa ukuba ufumana izibonelelo ozihlawuleleyo.
Yintoni umlinganiselo womonakalo onokuthi wenziwe xa umntu esweleke ngokungafanelekanga? Oregon?
Into enye ekhathazayo malunga Oregon umthetho kukuba urhulumente usenayo umngcipheko womonakalo ngenxa yokufa ngokungafanelekangaOku kuthetha ukuba ukuba wena okanye umntu omthandayo usweleka kwingozi yemoto, Oregon Eyona nto ininzi intsapho yakho enokuyilungisa ngenxa yentlungu nokubandezeleka kwakho yi-$500,000.
Ngoku, usapho lwakho lunokubuyisa iindleko zeendleko zakho zokugqibela zonyango kunye neendleko zomngcwabo.
Nangona kunjalo, ku amatyala okufa ngokungafanelekanga, ezi zidla ngokuba zincinci kakhulu, ingakumbi kwiimeko apho ukufa kwenzeka ngephanyazo. Amagqwetha e-GLP alwela ukuguqula lo mthetho phantsi kwenqaku lokuqala, icandelo leshumi lomthetho. Oregon UMgaqo-siseko. Ukuba unomntu omthandayo obulewe e- Oregon, fowunela amagqwetha e-GLP uze ubone ukuba singakunceda na.
Amagqwetha e-GLP alapha ukukumela kwityala lakho lokulimala komntu
Amagqwetha e-GLP alapha ukukunceda ujongane nebango lakho lokwenzakala emva kwengozi yemoto. Sifuna ukuqinisekisa ukuba ngelixa uphola kwingozi yemoto, uzive ukhuselekile ngokwezimali.
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 phantsi Oregon mthetho.
