In Washington Isifundazwe, ukuqonda ukuthi umshwalense weqembu lokuqala usebenza kanjani kubalulekile kunoma ubani ohileleke engozini yemoto. Umshwalense weqembu lokuqala uhlanganisa ukuvikelwa kokulimala komuntu siqu (i-PIP) kanye nomshwalense wezimoto ongenamshwalense/ongakhokhiwe ngokugcwele (i-UM/UIM). Le bhulogi ixoxa ngendlela umshwalense we-PIP, i-UM kanye ne-UIM osebenza ngayo ku Washington Chaza kanye nendlela uMthetho Wokuziphatha Okufanelekile Komshuwalense (i-IFCA) osebenza ngayo.

1. Kanjani WashingtonUmsebenzi Wokumbozwa Kweqembu Lokuqala?

In Washington, ukumbozwa komuntu wokuqala kubhekisela ekumbozweni komshuwalense okukhokhela ngqo umuntu onomshwalense (umninipholisi) ngomonakalo wakhe, kungakhathaliseki ukuthi ubani onephutha engozini. Izinhlobo ezivamile zokumbozwa komuntu wokuqala zifaka:

  • Ukuvikelwa Kokulimala Komuntu (PIP): Ihlanganisa izindleko zezokwelapha, amaholo alahlekile, kanye nezinye izinzuzo zomnikazi wepholisi kanye nabagibeli ngemva kokushayisana.
  • 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.

WashingtonUhlelo lomshuwalense luka-'s luthi i-PIP kanye ne-UIM zinikezwe abanikazi bamapholisi, kodwa zingenqatshwa ngokubhala.

2. Amafomu Okwenqatshwa kwe-PIP

In Washington, Ukuvikelwa Kokulimala Komuntu Siqu (i-PIP) kumele kunikezwe ngabanikezeli bomshuwalense, kodwa abanikazi bomshuwalense banenketho yokwenqaba ukumbozwa kwe-PIP. Ukwenqatshwa kumele kwenziwe ngokubhala phansi, futhi uma umnikezeli womshuwalense engatholi ukwenqatshwa okubhaliwe, ukumbozwa kuthathwa njengokusebenzayo.

Indawo evamile yokuxoxisana ukuthi ingabe izinguquko zomthetho ziyadingeka yini ukuze amafomu okwenqaba aphathwe kanjani, ukuqinisekisa ukuthi abanikazi bamapholisi baziswa ngokugcwele ngemiphumela yokwenqaba ukumbozwa kwe-PIP nokuthi ngabe izinguquko emthethweni kufanele zidinge izinqubo eziqinile zokwenqaba ukumbozwa.

3. Ukuthola Imali Yommeli ku-UIM – Kusebenza Kanjani Lokho?

UMahler, uHamm, Futhi Winters amacala abalulekile ku Washington isimo esibhekana nokubuyiswa kwemali yabameli maqondana nezimangalo ze-Underinsured Motorist (UIM).

  • UMahler v. Szucs (1993): Yasungula imfundiso "ephelele" Washington, okuvumela abanomshwalense ukuthi babuyise izimali zabo zabameli ezitholakale ekubuyiseni izinzuzo ngaphansi komshuwalense weqembu lokuqala. Izimali zinganciphisa noma yiziphi izimangalo ze-boen ezenziwa ngumshwalense.
  • UHamm v. State Farm (2001): Kuqinisekiswe ikhono lomuntu onomshwalense lokuthola imali yabameli kumthwali we-UM, ikakhulukazi ezimweni lapho umthwali ephikisana khona nenani lesicelo.
  • I-Winters v. State Farm (2004): Kwacaciswa ukubuyiselwa kwemali kanye nokwehliswa kwesikweletu se-PIP senkampani yomshuwalense ngezindleko zommeli lapho umuntu onomshwalense ethola imali ngaphansi kwe-UIM.

Lezi zimo zivumela abantu abanomshwalense ukuthi Washington ukubuyisa imali yabameli lapho bephikisana nezinkampani zabo ze-UIM, kunciphisa umthwalo wezindleko kumuntu onomshwalense.

4. Okucatshangelwayo mayelana neMigomo ye-UIM (i-SOL)

In Washington, lo Isimiso Sokulinganiselwa (i-SOL) ngezimangalo zokulimala komuntu siqu, okuhlanganisa ngokuvamile iminyaka emithathu kusukela ngosuku lwengozi. Njengoba isimangalo se-UIM sisekelwe kwinkontileka ebhaliwe, umthetho wemikhawulo yalezi zimangalo uvame ukuhluka futhi ungaba yiminyaka eyisithupha kusukela ngosuku lokwephulwa kwenkontileka okusolwayo. Kodwa-ke, kubalulekile ukubuyekeza izinqubomgomo ezithile, njengoba ezinye izinqubomgomo zomshuwalense zingase zibe nemikhawulo yenkontileka emifushane noma emide. Hlola njalo ulimi lwenqubomgomo ukuze ugweme ukuphuthelwa yizinsuku zokugcina ezibalulekile, kodwa akukho SOL okufanele ibe ngaphansi kweminyaka emithathu ngaphansi kwejwayelekile. Washington umthetho.

5. Isingeniso se-IFCA

The Umthetho Wokuziphatha Okufanelekile Komshuwalense (i-IFCA) is a Washington umthetho kahulumeni owenzelwe ukuvikela abanikazi bamapholisi emikhubeni engalungile yizinkampani zabo zomshuwalense. I-IFCA ivumela abanikazi bamapholisi ukuthi bamangalele abanikazi bamapholisi abo uma umshwalense:

  • Ukwenqaba ngokungenangqondo isimangalo somshuwalense noma inkokhelo yezinzuzo.
  • Yephula imithetho yomshuwalense, njengokwehluleka ukwenza ngokwethembeka noma ukwenqaba ukunikeza izimpendulo ngesikhathi esifanele.

I-IFCA ivumela ukuthi kube nomonakalo owengeziwe kanye nezindleko zommeli uma umshwalense etholakala ephule le misebenzi.

6. Izidingo Zenqubo Zamacala E-IFCA 

Ngaphambi kokuthi ufake i- Icala le-IFCA, ummeli wakho kufanele alandele lezi zinyathelo esebenzisa izinhlamvu ezijwayelekile:

  • Khomba Inkinga: Nquma ukuthi ngabe umshwalense unqabe izinzuzo ngokungenasizathu noma wephule umthethonqubo othile womshuwalense.
  • Lungiselela Incwadi Yesaziso Yezinsuku Ezingama-20: Thumela isaziso esisemthethweni enkampanini yomshuwalense, uchaze isisekelo sesimangalo, uchaze isisekelo sesimangalo sakho, futhi ubhekisele kunoma yimiphi imithethonqubo esebenzayo. Lokhu kuyadingeka ngaphambi kokufaka icala le-IFCA.
  • Qoqa Amadokhumenti: Faka yonke imibhalo efanele esekela isimangalo, njengenqubomgomo, ukuxhumana ngesicelo, amarekhodi ezokwelapha, kanye nanoma yibuphi obunye ubufakazi obusekelayo.
  • Landelela: Landelela impendulo yomshwalense phakathi nenkathi yezinsuku ezingu-60. Uma umshwalense ehluleka ukuxazulula inkinga ngaphakathi kwaleso sikhathi, kusobala ukuthi uzoqhubeka nokumangalela ngaphansi kwe-IFCA.
  • Isifanekiso Sencwadi Yesicelo Se-IFCA: Yenza ngokwezifiso incwadi yakho yesicelo ejwayelekile ukuqinisekisa ukuthi iqokomisa ukwephulwa kwe-IFCA okuthile kanye nanoma yikuphi ukubambezeleka noma ukwenqatshwa okungafanele ekusingatheni isimangalo.

Khuluma Nommeli Onolwazi Ngokulimala Komuntu Siqu Namuhla 

I-GLP Attorneys isisekele amakhasimende ngamacala awo okulimala komuntu siqu iminyaka engama-40. I-GLP Attorneys inolwazi lokufeza ubulungiswa kumakhasimende ahileleke ku- izingozi zemoto, izingozi zezithuthuthu, izingozi zamaloli, Futhi izimangalo zomshuwalense ezingalungile.

Uma ulimele engozini, shayela ucingo 800-273-5005 noma uthumele i-imeyili kubameli bethu ku-  ukuhlela ukubonisana nommeli mahhala.