In Idaho, ukuqonda indlela esebenza ngayo zombini ii-coverage ze-"stacking" kunye ne-Underinsured Motorist (UIM) kubalulekile ukuqinisekisa ukhuseleko olufanelekileyo xa kwenzeka ingozi ebandakanya umqhubi ongena-insured. Nantsi inkcazo eneenkcukacha zezi ngcamango:

Ukhuselo lweMoto oNgaphantsi kwe-inshurensi (UIM).

Ukhuseleko lwe-UIM lwenzelwe ukukukhusela ukuba ubandakanyeke kwingozi nomqhubi ongenalo ukhuseleko olwaneleyo lokuhlawulela umonakalo wakho. Olu hlobo lokhuseleko lunceda ekuhlawuleni iindleko zonyango, umvuzo olahlekileyo, kunye neminye imonakalo edlula imida ye-inshorensi yoxanduva lomqhubi onetyala.

  • Umnikelo onyanzelekileyo: In Idaho, iinkampani zeinshorensi kufuneka zinikezele nge-UIM, kodwa abanini-polisi banokukhetha ukungayivumi ngokubhaliweyo.
  • IMida yokugubungelaImida yokugubungela i-UIM idla ngokufana nemida yokugubungela uxanduva lwakho, ngaphandle kokuba ukhetha imida esezantsi.

Ukufakwa kwe-UIM Coverage

"Ukubeka imithwalo" kubhekisa ekukwazini ukudibanisa imida yokugubungela yemigaqo-nkqubo okanye izithuthi ezininzi ukuze kwandiswe inani lokugubungela elifumanekayo emva kokungqubana. Idaho umthetho uvumela iintlobo ezithile zokubeka izinto ngokweemfuno, kuxhomekeke kwiinkcukacha zepolisi yeinshorensi kunye neemeko zebango.

  1. Ukudibanisa iipolisi ezahlukeneyo:
    • Ukudibanisa iipolisi ezahlukeneyo kwenzeka xa udibanisa imida yokhuseleko lwe-UIM evela kwiipolisi ezininzi. Umzekelo, ukuba une-UIM coverage ye-$50,000 kwiipolisi ezimbini ezahlukeneyo ze-inshurensi yemoto, unokukwazi ukuhlanganisa imida yazo zombini iipolisi ukuze unikezele nge-$100,000 kwi-coverage.
    • Idaho ivumela ukufakwa kweepolisi ezidibeneyo ngaphandle kokuba ipolisi yeinshorensi iyakwalela ngokucacileyo oko. Kubalulekile ukuphonononga ipolisi yakho ukuze uqonde ukuba ukufakwa kweepolisi ezidibeneyo kuvumelekile na.
  2. Ukufakwa kwe-Intrapolicy:
    • Ukudibanisa i-Intrapolicy stacking kubandakanya ukudibanisa imida yokukhusela i-UIM yezithuthi ezininzi ezikhuselweyo phantsi kwepolisi enye. Umzekelo, ukuba unezithuthi ezintathu kwipolisi enye, nganye ine-$50,000 kwi-UIM coverage, ukuhlanganisa i-intrapolicy stacking kunokubonelela nge-$150,000 kwi-coverage.
    • Ngokufana nokudibanisa iinkqubo ze-interpolicy, ukuhlanganisa iinkqubo ze-intrapolicy kuvumelekile Idaho ngaphandle kokuba kuthintelwe ngokucacileyo yimigaqo yomgaqo-nkqubo.

Ukuqwalaselwa kwezomthetho kunye noMgaqo-nkqubo

  • Amagatya okulwa nokuqokelelana kwezinto: Iipolisi ze-UIM zihlala zineziqendu ezichasene nokuqokelela imali ezilungiselelwe ukunciphisa imali emele ihlawulwe yinkampani yeinshorensi kubanini-polisi. Idaho Iinkundla ngamanye amaxesha ziye zadlula la mabinzana kuxhomekeke ekubeni amagama azo angabadida na abanini-polisi.
    • Umzekelo, kwi Ityala likaGearhardt v. Mut. le-Enumclaw Ins. Co(2016), i Idaho INkundla ePhakamileyo ivumele abazali ababini ukuba baqokelele imigaqo-nkqubo yabo ye-UIM nangona bobabini babeneziqendu ezichasene nokubekwa kwemigangatho. 
    • Iziqendu ezichasene nokuqokelelana kwempahla zifundeka ngolu hlobo: “[Ukuba] le polisi kunye nayo nayiphi na enye ipolisi enika i-inshurensi efanayo isebenza kwingozi, umda ophezulu woxanduva phantsi kwayo yonke ipolisi uya kuba ngumda ophezulu woxanduva phantsi kwayo nayiphi na ipolisi enye.” INkundla ifumanise ukuba olu lwimi lunokubadida abanini-polisi bacinge ukuba iyonke idityanisiweyo yemida yonke yepolisi yayiyimida ephezulu enokwenzeka. 
    • INkundla igxininise ukuba nanini na xa umgaqo-nkqubo udida, kufuneka utolikwe ngendlela exhasa umntu ofakwe kwiinshorensi. Ngoko ke, bala ukunyanzelisa isiqendu sokungabandakanyi irhafu. 
    • Kwelinye icala, in Ityala lika-Erland v. Nationwide Ins. Co. (2001), iNkundla yanyanzelisa isiqendu sokuchasa ukuqokelelana kwempahla kuba bagqiba kwelokuba ulwimi lwaso lucacile kwaye alunantsingiselo. Kwimeko enjalo, isiqendu sokuchasa ukuqokelelana kwempahla sathi “ukuba kusebenza imigaqo-nkqubo engaphezu komnye, imida iyonke esebenzayo iya kuthathwa njengengadluli kwimida ephezulu yayo nayiphi na kuyo.” 
    • INkundla yagqiba kwelokuba olu lwimi luchaze ngokucacileyo ukuba imida iyonke ayinakudlula imida ephezulu kuyo nayiphi na ipolisi enye. Ngoko ke, banyanzelisa esi siqendu kwaye bala ukuvumela ummangali ukuba aqokelele iipolisi. 
  • Ugutyungelwe yi-UIM engabonakaliyo: In IdahoIinkampani zeinshorensi zinokuthengisa kuphela ukhuseleko lwe-UIM oludlula ubuncinane bemali urhulumente afuna bonke abaqhubi beenqwelo-mafutha bayiphathe ngenxa yeinshorensi yoxanduva, eyi-$25,000.
    • In Ityala likaPena v. Viking Ins. Co. (2022), ummangali wafumana umonakalo ongaphezulu kwe-$25,000 emva kokungqubana nomqhubi ongenalo i-inshurensi eyaneleyo. Umqhubi ongena-inshurensi eyaneleyo wayephethe kuphela isixa esifunekayo ngokomthetho se-$25,000 kwi-inshurensi yoxanduva. 
    • Emva kokuba ummangali efumene i-$25,000 kwi-inshorensi yoxanduva lomqhubi ongenalo i-inshorensi, wafaka ibango lokusebenzisa ukhuseleko lwakhe lwe-UIM, olubonelela ngezibonelelo ezingaphezulu kwe-$25,000.
    • Inkampani yeinshorensi emangalelweyo yala ibango layo le-UIM. Imigaqo yepolisi yayo ye-UIM yavumela inkampani yeinshorensi ukuba ihlawule ukubuyiselwa kwayo kwiinshorensi yomqhubi wemoto ngokumalunga nomshuwalense wayo we-UIM. Ngenxa yoko, kuba wayesele efumene i-$25,000 kumqhubi wemoto ongenayo i-inshorensi, inkampani yeinshorensi yagqiba kwelokuba sele efumene ukubuyiselwa kwayo okuphezulu okuvunyelweyo. 
    • The Idaho INkundla ePhakamileyo ifumanise ukuba ngokuthengisa ukhuseleko lwe-UIM oluneenzuzo eziphezulu ezilingana nesixa se-inshurensi yoxanduva ekufuneka bonke abaqhubi beenqwelo-mafutha bayigcine, inkampani ye-inshurensi yayithengisa ukhuseleko lwe-UIM "olukhohlisayo". Ngenxa yokuba bonke abaqhubi beenqwelo-mafutha abangenayo i-inshurensi esemgangathweni kwi Idaho Ukuba une-inshorensi yoxanduva eyi-$25,000, inkampani yeinshorensi ithengisele ummangali isibonelelo se-UIM awayengenakukwazi ukusisebenzisa. 
    • INkundla yagqiba kwelokuba imiqathango yomgaqo-nkqubo we-UIM ayinakunyanzelwa yaza yanyanzela inkampani yeinshorensi ukuba ihlawule isibonelelo se-UIM. 
  • Ukhuseleko lwe-UIM kunye namatyala okufa ngokungafanelekanga: In Ityala likaLanningham v. Farm Bureau Mut. Ins. Co. of Idaho (2024), i Idaho INkundla ePhakamileyo yagqiba kwelokuba ilifa lomntu oswelekileyo alifumani zibonelelo zakhe ze-UIM. Kwimeko enjalo, oonyana ababini baphikisana ngelithi ilifa likayise lifanele lifumane izibonelelo zakhe ze-UIM. INkundla yagqiba kwelokuba oonyana banokufumana izibonelelo kuphela ukuba ipolisi ibachaza njengabantu abanomshwalense, nto leyo engazange iyenze. Ngoko ke, ilifa alinakufumana naziphi na izibonelelo zokufa ngokungafanelekanga kwipolisi ye-UIM yomfi. 

Umzekelo Oluncedo

Masithi unomda we-UIM we-$100,000 kwisithuthi ngasinye kwezimbini ezikhuselweyo phantsi kweepolisi ezahlukeneyo. Ukuba ubandakanyeke kwingozi nomqhubi ongenalo i-inshorensi, kwaye umonakalo wakho ufikelela kwi-$150,000, unokufaka i-inshorensi yakho ye-UIM ukuze ufumane i-$200,000 iyonke (udibanisa i-$100,000 kwipolisi nganye) ukuba iipolisi zakho zivumela ukufakwa kwe-inshorensi.

isiphelo

In Idaho, ukugquma i-UIM kunokubonelela ngokhuseleko olongezelelweyo xa kukho ingozi ebandakanya umqhubi ongenalo i-inshorensi. Ukuqonda ukuba ipolisi yakho iyavuma na ukugquma kunye neenkcukacha zendlela esebenza ngayo kwimeko yakho kubalulekile. Kuya kuba yimfuneko ukuvavanya ukuba ulwimi lwepolisi luya kunyanzeliswa okanye akunjalo. Ukuphonononga imiqathango yepolisi yakho ye-inshorensi kunye nokubonisana nengcali ye-inshorensi okanye igqwetha kunokukunceda ukuqinisekisa ukuba uphucula kakhulu ukugquma kwakho okufumanekayo. Ukuze ufumane ulwazi oluthe kratya, ungabhekisa kwi Idaho Indlu yoWiso-mthetho yeSizwe website kwaye uqhagamshelane nomnye wabameli bethu basekuhlaleni bokwenzakala komntu ngokufowunela 1-800-273-5005.

Ucaphulo

  • Idaho Imimiselo
  • Idaho ISebe le-Inshurensi
  • FumanaLaw: Idaho Ukuvavanywa kweMoto engaphantsi
  • I-NOLO: I-Stacking Car Insurance
  • Ityala likaGearhardt v. Mut. le-Enumclaw Ins. Co., 160 Idaho 664, 378 P.3d 454 (2016)
  • Ityala lika-Erland v. Nationwide Ins. Co., 136 Idaho 131, 30 P.3d 286 (2001)
  • Ityala likaPena v. Viking Ins. Co., 169 Idaho 730, 503 P.3d 201 (2022) 
  • Ityala likaLanningham v. Farm Bureau Mut. Ins. Co. of Idaho, 2024 Ida. Lexis 71 (Julayi 3, 2024)