In Washington Urhulumente, ukuqonda indlela esebenza ngayo i-inshorensi yomntu wokuqala kubalulekile kuye nabani na obandakanyeka kwingozi yemoto. I-inshorensi yomntu wokuqala ibandakanya uKhuseleko loKuzilimaza (i-PIP) kunye ne-Uninsured/Underinsured Motorist (i-UM/UIM). Le bhlog ixoxa ngendlela i-inshorensi ye-PIP, i-UM kunye ne-UIM esebenza ngayo kwi Washington Xela kunye nendlela uMthetho woBulungisa boMshwalense (i-IFCA) osebenza ngayo.

1. Njani WashingtonUmsebenzi we-1st Party Inshorensi?

In Washington, ukhuseleko lomntu wokuqala lubhekisa kukhuseleko lomshuwalense oluhlawula ngokuthe ngqo umntu okhuselweyo (umnini-polisi) ngomonakalo wakhe, nokuba ngubani onetyala kwingozi. Iindidi eziqhelekileyo zokhuseleko lomntu wokuqala ziquka:

  • uKhuseleko loKuzenzakalela komntu (PIP): Ihlawulela iindleko zonyango, imivuzo elahlekileyo, kunye nezinye izibonelelo zomnini-polisi kunye nabakhweli emva kwengozi.
  • 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.

WashingtonInkqubo yeinshorensi ka-'s iyalela ukuba i-PIP kunye ne-UIM zinikwe abanini-polisi, kodwa zinokungavunyelwa ngokubhaliweyo.

2. Iifomu zokwaliwa kwe-PIP

In Washington, Ukhuseleko Lokwenzakala Komntu (PIP) kufuneka lunikezelwe ngabanini-inshorensi, kodwa abanini-polisi banokukhetha ukwala ukhuseleko lwe-PIP. Ukwaliwa kufuneka kwenziwe ngokubhaliweyo, kwaye ukuba umnshorensi akafumani ukwaliwa okubhaliweyo, ukhuseleko luthathwa njengolusebenzayo.

Ingxoxo eqhelekileyo kukuba ingaba kufuneka utshintsho lomthetho kwindlela ezilawulwa ngayo iifomu zokwaliwa, ukuqinisekisa ukuba abanini-polisi banolwazi olupheleleyo ngemiphumo yokwaliwa kwe-PIP kunye nokuba utshintsho kumthetho kufuneka lufune iinkqubo ezingqongqo ngakumbi zokwaliwa kwe-coverage.

3. Ukubuyisa iiNtlawulo zeGqwetha kwi-UIM – Isebenza njani loo nto?

UMahler, uHamm, yaye Ubusika zizinto ezibalulekileyo kwi Washington ithi ijongana nokubuyiswa kwemali yegqwetha ngokunxulumene namabango eMoto engaphantsi kwe-Inshorensi (UIM).

  • UMahler v. Szucs (1993): Yaseka imfundiso "epheleleyo" Washington, evumela abantu abanomshwalense ukuba bafumane imali yabo yegqwetha abayifumene ekufumaneni izibonelelo phantsi kokhuseleko lomntu wokuqala. Le mirhumo inokunciphisa naziphi na izibango zetyala ezenziwa ngumshwalense.
  • UHamm v. Ifama kaRhulumente (2001): Ndiqinisekisile ukuba umntu ofakelwe i-inshorensi uyakwazi ukufumana imali yegqwetha kumphathi we-UM, ingakumbi kwiimeko apho umphathi we-UM ephikisana nesixa sebango.
  • IWinters v. Ifama kaRhulumente (2004): Icacisile imbuyekezo kunye nokunciphisa i-PIP lien yenkampani yomshuwalense ngeentlawulo zegqwetha xa umntu oqinisekisiweyo efumana imali phantsi kwe-UIM.

Ezi meko zivumela abantu abanomshwalense ukuba Washington ukufumana imali yegqwetha xa bexoxa nabaphathi babo be-UIM, nto leyo enciphisa umthwalo weendleko kwabo banomshwalense.

4. Iingqwalasela ze-UIM Statute of Limitations (SOL)

In Washington, i Umgaqo weMida (i-SOL) amabango okwenzakala komntu, kuquka nokuba emithathu iminyaka ukususela kumhla wengozi. Ekubeni ibango le-UIM lisekelwe kwisivumelwano esibhaliweyo, umthetho wemida yala mabango uhlala wahlukile kwaye unokuba yiminyaka emithandathu ukususela kumhla wokwaphulwa kwesivumelwano. Nangona kunjalo, kubalulekile ukuphonononga imigaqo-nkqubo ethile, njengoko eminye imigaqo-nkqubo yeinshorensi inokuba nemida yesivumelwano emifutshane okanye emide. Soloko ujonga ulwimi lomgaqo-nkqubo ukuze uphephe ukuphoswa lixesha elibekiweyo, kodwa akukho SOL kufuneka ibe ngaphantsi kweminyaka emithathu phantsi komgangatho oqhelekileyo. Washington mthetho.

5. Intshayelelo ye-IFCA

The UMthetho woKuziphatha ngokuLungileyo kwi-Inshorensi (IFCA) yi Washington umthetho welizwe owenzelwe ukukhusela abanini-polisi kwizenzo ezingalunganga ezenziwa ziinkampani zabo zeinshorensi. I-IFCA ivumela abanini-polisi ukuba bamangalele abanini-inshorensi babo ukuba umniki-inshorensi:

  • Iyakwala ngokungenangqiqo ibango lokhuseleko okanye intlawulo yezibonelelo.
  • Ukwaphula imithetho yeinshorensi, njengokungaphumeleli ukwenza izinto ngokunyaniseka okanye ukwala ukunika iimpendulo ngexesha elifanelekileyo.

I-IFCA ivumela ukuba kuhlawulwe umonakalo owongezelelweyo kunye neentlawulo zamagqwetha ukuba umshwalense ufunyaniswe ephule le misebenzi.

6. Iimfuneko zeNkqubo kwiiNkundla ze-IFCA 

Ngaphambi kokuba ufake i- Ityala le-IFCA, igqwetha lakho kufuneka lilandele la manyathelo lisebenzisa oonobumba abaqhelekileyo:

  • Chonga umba: Qinisekisa ukuba ngaba umshwalense uwalahlile ngokungenangqiqo izibonelelo okanye waphule ummiselo othile we-inshorensi.
  • Lungisa Ileta Yesaziso Yeentsuku Ezingama-20: Thumela isaziso esisemthethweni kwinkampani yomshuwalense, uchaze isiseko sebango, uchaze isiseko sebango lakho, kwaye ubhekisele kuyo nayiphi na imithetho efanelekileyo. Oku kuyimfuneko ngaphambi kokufaka ityala le-IFCA.
  • Qokelela Amaxwebhu: Faka onke amaxwebhu afanelekileyo axhasa ibango, njengepolisi, imbalelwano yebango, iirekhodi zonyango, kunye nobunye ubungqina obuxhasayo.
  • Ukulandelisa: Landelela impendulo yomshwalense ngexesha leentsuku ezingama-60. Ukuba umshwalense akaphumeleli ukusombulula ingxaki ngaphakathi kwelo xesha, kuyacaca ukuba uza kuqhubeka nokumangalela phantsi kwe-IFCA.
  • Itemplate yeleta yesicelo se-IFCA: Yenza ileta yakho yesicelo eqhelekileyo ibe yeyakho ukuze uqinisekise ukuba igxininisa ukwaphulwa kwe-IFCA ethile kunye naluphi na ulibaziseko okanye ukwaliwa okungafanelekanga ekusingathweni kwebango.

Thetha neGqwetha elinamava ngeNzakala zoMntu namhlanje 

I-GLP Attorneys ibisoloko ixhasa abathengi ngetyala labo lokwenzakala komntu kangangeminyaka engama-40. I-GLP Attorneys inamava okufezekisa ubulungisa kubathengi abaye babandakanyeka ku izingozi zemoto, Iingozi zezithuthuthu, iingozi zelori, yaye amabango omshuwalense ongengowokholo.

Ukuba ukhe wenzakala kwingozi, fowunela 800-273-5005 okanye uthumele i-imeyile kumagqwetha ethu ku  ukucwangcisa intlanganiso yasimahla yegqwetha.