By UPhil Ayers | Umsizi | Seattle Office
Ukulunywa yinja kungaba yinto ebuhlungu futhi ebuhlungu, futhi kwenzeka kaningi kunalokho abantu abaningi abakuqaphelayo. Iningi labanikazi bezinja aliqapheli ukuthi uma inja yabo iluma umuntu, bangase babe nezindlela ezimbalwa zomthetho zokuzivikela. Ezimweni eziningi, basuke besengozini yokulimala okubangelwa yinja yabo, kungakhathaliseki ukuthi babengabanikazi bezilwane ezifuywayo abanganaki noma cha.
Isibopho Somnikazi Wenja
Ngaphansi komthetho wecala lobugebengu, umnikazi wenja angase abhekane "necala eliqinile" nganoma yikuphi ukulimala okubangelwe yinja yakhe, okusho ukuthi umnikazi angabekwa icala ngisho noma ebengenandaba noma engazi ukuthi inja ithambekele ekulumeni.
Ngokusho kwe-Insurance Information Institute, Izifundazwe ezingu-29 zithi abanikazi bezinja banesibopho ngokulimala okuhlobene nenja, ngaphandle kwemibandela embalwa (njengokuthi inja ithukuthele noma umuntu olunywe yinja wayengene endaweni engenamvume). Kuye ngokuthi ukulunywa kwenzeke kuphi, icala lingawela ngaphansi kohlaka olulodwa noma ngaphezulu lwezomthetho ezilandelayo:
1. Imithetho Eqinile Yokuzibophezela
Ezifundeni eziningi, imithetho yokulunywa yinja yenza umnikazi wenja abe necala ngokuzenzakalelayo uma inja yakhe iluma noma ilimaze othile. Akunandaba ukuthi inja ayikaze ilume muntu ngaphambili, ayikaze ibonise izimpawu zolaka, noma ukuthi umnikazi uthathe izinyathelo zokuphepha—uma kukhona ukulimala, umnikazi usengozini.
2. Umthetho "Wokulunywa Okukodwa Okukhululekile"
Ezinye izifundazwe zisalandela umthetho wasendulo othi “ukulunywa okukodwa kwamahhala.” Lokhu kusho ukuthi umnikazi angase agweme icala ngenja yakhe elimaza othile uma engenaso isizathu sokwazi ukuthi inja yakhe iyingozi. Kodwa-ke, uma umnikazi enesizathu sokwazi ukuthi isilwane sakhe singaba yingozi, umnikazi unesibopho esingokomthetho sokuvimbela ukulimala kwalolo hlobo esikhathini esizayo futhi uzoba nesibopho somonakalo inja yakhe ezowubangela kwenye.
3. Ukunganaki
Kulezi zimo, umnikazi angabekwa icala uma othile elimele ngenxa yokwehluleka komnikazi ukwenza ngendlela efanele, njengokungabophi inja yakhe esidlangalaleni noma ukuyivumela izulazule ngokukhululeka. Uma ukunganaki komnikazi kubangela ukulimala, angase abekwe icala.
Ingabe Kukhona Okuhlukile?
Izifundazwe eziningi azibabeki icala abanikazi bezinja uma umuntu ongene endaweni engemthetho elimele endaweni yangasese. Kodwa-ke, uma inja ihlasela umuntu ohlala endaweni ngokusemthethweni, njengomuntu oletha impahla, umakhelwane, noma umuntu odlulayo, umnikazi angadingeka ukuthi akhokhele umuntu olimele ngalokhu okulandelayo:
- Izindleko zokwelashwa
- Imali engenayo elahlekile
- Ubuhlungu nokuhlupheka
- Ukucindezeleka ngokomzwelo
- Ukulimala kwempahla
Khuluma Nommeli Onolwazi Ngokulimala Komuntu Siqu Namuhla
Ukulunywa yinja kungaba yinto ebuhlungu kubo bonke abathintekayo kulesi sigameko. Uma ulunywe noma inja yakho ilimaze othile, kubalulekile ukuxhumana nommeli wokulimala komuntu onolwazi ngokushesha okukhulu. I-GLP Attorneys isisekele amakhasimende ngamacala abo okulimala komuntu siqu iminyaka engaphezu kwamashumi amathathu. I-GLP Attorneys inolwazi lokufeza ubulungiswa kumakhasimende alimele yizilwane, imikhiqizo, ngo car izingozi, futhi nokuningi.
Uma ulimele engozini, shayela abameli bethu ku- 800-273-5005 noma u-imeyli nathi ukuhlela ukubonisana nommeli mahhala.
