By URayna Girtz  | Ummeli Ohlangene |  Spokane Office

Kungumsebenzi womshayeli ngamunye ukulandela imithetho yomgwaqo nokushayela ngokuphepha; noma kunjalo, izingozi zisenzeka. Kulezi zikhathi, uhlobo lomshwalense wemoto onawo lungenza umehluko omkhulu hhayi emotweni yakho kuphela, kodwa nasenhlalakahleni yakho yezezimali neyomuntu siqu. Washington abashayeli, ukuqonda ukuthi umshwalense ohlanganisa ukuvikela ukulimala komuntu siqu (PIP) kanye nomshayeli wemoto ongenamshwalense/ongakhokhiswanga ngokugcwele (UM/UIM) usebenza kanjani kubalulekile.

Ake sichaze ukubaluleka kwalezi zinsizakalo nokuthi kungani ungase ufune ukucabangela izinqubomgomo ezihlanganisayo ukuze uvikeleke kakhulu.

Kuyini Ukumbozwa Kwenkampani Yokuqala?

In Washington, ukumbozwa komuntu wokuqala kubhekisela kumshwalense okuvikela wena, umninipholisi, kungakhathaliseki ukuthi ubani obangele ingozi. Izinhlobo ezivame kakhulu zokumbozwa komuntu wokuqala zifaka phakathi:

  1. Ukuvikelwa Kokulimala Komuntu (PIP): Ihlanganisa izindleko zezokwelapha, amaholo alahlekile, kanye nezinye izinzuzo zomnikazi wepholisi kanye nabagibeli ngemuva kwengozi. 
  2. Ukufakwa Kwezimoto Ezingaqinisekisiwe/Ngaphansi Komshwalense (UM/UIM): Ivikela umuntu onomshwalense uma ehileleke engozini nomshayeli ongenawo umshwalense owanele noma ongenawo umshwalense. Imboza umonakalo ongeke ubuyiselwe ngokugcwele ngumshwalense womuntu onecala.

Kungani Ukumbozwa Kwesambulela Kubalulekile Ku- Washington

Washington umthetho udinga abashayeli ukuba baphathe umshwalense wesikweletu, kodwa lokho kuhlanganisa kuphela umonakalo abawubangela kwabanye. Uma ushayiswa ngumuntu ongenawo umshwalense noma onesembozo esincane futhi ungenayo isembozo se-PIP noma se-UM/UIM, ungase usale ukhokhela izikweletu zakho.

Nansi indlela i-PIP kanye ne-UM/UIM ezingasiza ngayo:

  • Ukuvikelwa Kubashayeli Abangenamshwalense: Imboza izikweletu zakho zezokwelapha, umonakalo wemoto, kanye nokunye ukulahlekelwa uma umshayeli onecala engenawo umshwalense.
  • Ukuvikelwa Kubashayeli Abangenawo Umshwalense Ophelele: Kugcwalisa igebe lezezimali uma umkhawulo wenqubomgomo yomunye umshayeli unganele ukukhokhela izindleko zakho.
  • Ukuvikelwa Ezingozini Zokushayiswa Nokubaleka: Ikuvumela ukuthi uthole isinxephezelo ngisho noma omunye umshayeli ebaleka endaweni yesehlakalo futhi engenakutholakala.

Xhumana Nommeli Onolwazi Ngezokulimala Komuntu Siqu Namuhla

Abameli be-GLP balapha ukuzokusiza ukuthi ubhekane nomshuwalense wakho ngemuva kwengozi yemoto. Njengoba ululama ekulimaleni kwengozi yemoto, sizoqinisekisa ukuthi uyakwazi nokuzizwa uphephile ngokwezimali. Amacala okulimala komuntu siqu ngenxa yokulimala kwengozi yemoto angaba nzima, futhi kufanele uqonde izinhlobo ezahlukene zezinkinga zomshuwalense kanye nezindleko zomshuwalense ezingasebenza ecaleni lakho. Uma ucabanga ukuthi othile ube nephutha ekubangeleni ingozi wena, ilungu lomndeni, noma umngane obehileleke kuyo, kufanele uthole amaqiniso esimangalo sakho abuyekezwe ngummeli ngokushesha okukhulu.

 Uma uke waba sengozini yemoto, sicela ushayele ucingo 800.273.5005 noma uthumele i-imeyili kubameli bethu bokulimala komuntu siqu ku- ukuze uthole ukubonisana kokuqala kwamahhala. Omunye wabameli bethu abanekhono uzokwazi ukukutshela ukuthi ungakwazi yini ukuqoqa umonakalo.