By Shaun O. Callahan | Umlingani | Vancouver Office
Kuyini Ukuvikelwa Kokulimala Komuntu Siqu (PIP)?
Ukuvikelwa Kokulimala Komuntu Siqu uhlobo lomshuwalense wemoto oluyimpoqo kubo bonke abashayeli e- Oregon, ngaphandle kwabagibeli bezithuthuthu. Lo mshwalense kumele uhlinzeke okungenani $15,000 yesembozo kumuntu ngamunye olimele engozini futhi anganweba kuze kufike ku-$100,000 yomshwalense.
Isembozo Sokuvikela Ukulimala Komuntu Siqu siyakuvikela ngisho uma unecala ngengozi.
Yini engasetshenziswa yi-Inshorensi Yokuvikela Ukulimala Komuntu Siqu ku- Oregon?
Isembozo Sokuvikela Ukulimala Komuntu Singasetshenziswa ku:
- Izindleko zokwelashwa:
- Lokhu kufaka phakathi ukuvakashelwa esibhedlela namazinyo, ukuhlinzwa, ukugibela i-ambulensi, kanye nezinsizakalo zokufakelwa zingakapheli iminyaka emibili kusukela ngosuku lokulimala kuze kufike ku-$15,000
- Imali elahlekile emsebenzini:
- Uma umuntu ebhekene nokukhubazeka okungenani izinsuku ezingu-14, amaphesenti angu-70 emali engenayo elahlekile emsebenzini izombozwa ngenkokhelo ephezulu engu-$3,000 ngenyanga kuze kube amasonto angu-52. Izinqubomgomo zomshuwalense ezahlukene zingase zinikeze amazinga ahlukene ezinzuzo.
- Izindleko ezihlobene nokulimala:
- Izindleko ezithathwe ngumuntu olimele ngezinsizakalo ezibalulekile emndenini womuntu olimele zingambozwa ezenziwe ngumuntu ongekho emndenini oseduze womuntu olimele.
- Izindleko zomngcwabo:
- Izindleko zomngcwabo ezifika ku-$5,000 ziyafaneleka ukumbozwa zingakapheli unyaka owodwa kusukela ngosuku lokulimala komuntu.
- Ukunakekela izingane:
- Uma umuntu olimele engumnakekeli noma umnakekeli wengane encane futhi edinga ukulaliswa esibhedlela okungenani amahora angama-24, ukunakekela izingane okufika ku-$25 ngosuku kuyafaneleka ukumbozwa.
Kwenzekani uma ngishayela ngaphandle komshuwalense womuntu siqu e- Oregon?
Uma une-akhawunti yakho yomuntu siqu Oregon umshwalense wemoto uzoba ne-PIP. Akukho emthethweni ukushayela ngaphandle komshuwalense e- OregonUngakhokhiswa izinhlawulo ezinkulu ngokungalandeli imithetho kanye Ilayisensi yokushayela ingamiswa isikhathi esingangonyaka owodwa noma kuze kube yilapho umshwalense usuthengiwe. Ngisho noma ingozi ingeyona iphutha lakho, ukushayela ngaphandle komshwalense ku Oregon kungabangela ukuthi ungakwazi ukukhokhelwa ubuhlungu nokuhlupheka kwakho okubangelwa umshayeli onganaki. (ORS 31.715)
Ngisho noma une-Personal Injury Protection Cover, kubalulekile ukuthi uhlale ushayela nekhadi lakho lomshwalense. Uma umiswa futhi ungenalo ikhadi lakho le-Personal Injury Protection, ungahlawuliswa noma kuphi kusukela ku-$130 - $1,000 ngokubona kwenkantolo.
Umbozwe yi-Personal Injury Protection Cover ku- Oregon uma wena:
- Une-inshuwalense ngaphansi kwenqubomgomo yakho yomshuwalense
- Usemotweni yabagibeli yangasese enomshwalense
- Ingabe umuntu ohamba ngezinyawo ushayiswe yimoto yomgibeli ozimele enomshuwalense
Uma ungaweli ngaphansi kwalezi zigaba, sicela ukhulume nommeli wokulimala komuntu siqu kwa-GLP ukuze uthole ukuthi singakusekela kanjani icala lakho lokulimala komuntu siqu. Kubalulekile ukuqonda ukuthi iyini ikhava yakho yokulimala komuntu siqu ukuze uvikeleke kahle uma kwenzeka isimo esiphuthumayo.
Ukuzifaka engozini yemoto kuyacindezela. Abameli be-GLP balapha ukuqinisekisa ukuthi unolwazi olufanele ukuze unakekelwe ngokwezimali uma kwenzeka ingozi yemoto.
Abameli be-GLP balapha ukuzokumela ecaleni lakho lokulimala komuntu siqu:
Abameli be-GLP balapha ukuzokusiza ukuthi ubhekane nomshuwalense wakho ngemva kokushayisana kwemoto. Sifuna ukuqinisekisa ukuthi ngenkathi ululama ekulimaleni kwemoto, uyakwazi futhi ukuzizwa uphephile ngokwezimali. Amacala okulimala komuntu siqu ngenxa yokulimala kwemoto angaba nzima, futhi kufanele uqonde izinhlobo ezahlukene zezinkinga zomshuwalense kanye nezibopho zomshuwalense ezingasebenza ecaleni lakho, kufaka phakathi umshuwalense Wokuvikelwa Kokulimala Komuntu Siqu. Uma ucabanga ukuthi othile ube nephutha ekubangeleni ingozi wena, ilungu lomndeni noma umngane enihileleke kuyo, kufanele uthole amaqiniso esimangalo sakho abuyekezwe ngummeli ngokushesha okukhulu.
Uma uke waba sengozini yemoto, sicela ushayele ucingo 206.752.4092, 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 ngaphansi Oregon umthetho.
