Kulesi siqephu se-#PersonalInjury101: Ukushayisana e- Oregon, Uzakwethu Shaun I-Callahan ixoxa ngezinyathelo ezibalulekile abashayeli okufanele bazithathe ngemva kokushayisana kwezimoto futhi ichaza ukuthi kanjani OregonImithetho kahulumeni ihlukile kweyasezifundeni ezingomakhelwane.
Kusukela ekubhaleni indawo yesehlakalo nokugcina ubufakazi kuya ekuqondeni Oregonizidingo zomshuwalense kanye nohlelo olusekelwe emaphutheni, Shaun uchaza izici ezingathinta kakhulu isimangalo sokulimala komuntu siqu. Uchaza nokuthi isibopho, umshwalense, kanye nesiqondiso sezomthetho esifike ngesikhathi kungadlala indima ebalulekile ekusizeni abantu abalimele ukuthi bafinyelele izinsiza, ukwesekwa, kanye nokuvikelwa ngokomthetho okutholakalayo kubo ngemva kokushayisana.
Kwa-GLP Attorneys, sizibophezele ekusizeni abantu ngabanye kanye nemindeni ukuthi babhekane nemiphumela yokushayisana okukhulu ngokucacile, ububele, kanye nommeli wezomthetho othembekile. Umgomo wethu ukwenza inqubo yezomthetho ibe lula, siphendule imibuzo yakho, futhi sikusize ugxile kulokho okubaluleke kakhulu, ukululama kwakho kanye nokuqhubekela phambili.
Yini okufanele ngiyenze uma ngibe sengozini e- Oregon?
Zibone usesimweni esilandelayo. Usanda kuba sengozini e- OregonUyazihlola futhi akukho lutho olubonakala lubi. Uyazi ukuthi yini okufanele uyenze ngokulandelayo?
Nakhu engikuncomayo. Okokuqala, shayela njalo ku-911. Amaphoyisa angathola lonke ulwazi, ilayisense yokushayela kanye namakhadi omshwalense kwabanye abashayeli abathintekayo. Kodwa iqiniso liwukuthi, ama-99% esikhathi, amaphoyisa ngeke eze engozini yakho. Futhi noma ngabe enza kanjalo, avame ukungabiki umbiko. Ngakho-ke kufanele uthole lolu lwazi wena. Kufanele futhi uthathe izithombe zomonakalo kuzo zonke izimoto ezihilelekile kanye nendawo evamile. Thola noma yimaphi amagama ofakazi kanye nolwazi lokuxhumana. Ngamafuphi, udinga ukuba ngumphenyi wakho wezingozi.
Kungani kubaluleke kangaka ukuthola ulwazi lomunye umuntu ngemva kwengozi, bese ufaka umbiko wengozi?
Kubalulekile ukuthola lonke ulwazi mayelana nabanye abashayeli abahileleke engozini ngezizathu ezimbili. Okokuqala, udinga ukwazi ukuthi ubani okushayile ukuze ukwazi ukuthola umonakalo emotweni yakho nakuwe uqobo. Umbono ovamile oyiphutha ukuthi okudingayo ulwazi lomshuwalense womuntu. Lokhu kungaba yiqiniso ngezinye izikhathi, kodwa zibuze ukuthi kwenzekani uma umshwalense ungakuphathi kahle futhi wenqaba ukukhokhela umonakalo wakho?
Ohlelweni lwethu lobulungiswa, uma olunye uhlangothi lwenqaba ukukhokhela umonakalo wakho, okuwukuphela kwendlela yakho ukufaka icala ngokumelene nomuntu wangempela okulimaze. Lokhu kuveza enye inkolelo-mbono evamile, futhi ukuthi isimangalo sakho siphikisana nenkampani yomshuwalense yomunye umuntu. Lokhu kuyiphutha ngokwezobuchwepheshe futhi kungaholela ezimangalweni ezilahlekile. Isimangalo sakho engozini siphikisana nomuntu noma inkampani eyenze ngokunganaki.
Labo badlali, nabo bakhokhela inkontileka yomshuwalense ngaphansi kwaleyo nkontileka. Inkampani yomshuwalense iyavuma ukukhokha umonakalo odalwa ngumuntu noma inkampani kuze kufike emkhawulweni omisiwe. Kodwa okuwukuphela kwendlela yokuphoqelela isimangalo sakho uma udlala indima ephansi, ukufaka isimangalo ngokumelene nomuntu noma inkampani ekonile. Ukumangalela umshwalense wabo ngeke kusebenze futhi ngeke kukuyise ndawo.
Okwesibili, ku Oregon ikakhulukazi, kudingeka ukuthi ufake umbiko wengozi zingakapheli amahora angu-72 kusukela osukwini lwengozi. Lo mbiko wengozi uzokucela ulwazi ngabantu nezimoto ezihilelekile engozini. Manje, uma ubukele lokhu futhi ucabanga ukuthi, cha, angikwenzanga lokho. Ungakhathazeki. Vele ugcwalise umbiko wengozi bese uyifaka ngokushesha okukhulu.
Uma ungagcwalisi umbiko wengozi ngesikhathi, uMbuso Oregon Ngingakwazi futhi ngizomisa ilayisense yakho yokushayela noma ngabe awuzange ube nephutha. Ngithole izingcingo eziningi ezivela kubantu abaxhumana nommeli kuphela ngemva kokuthola isaziso sokumiswa kwelayisensi. Ungavumeli lokhu kube nguwe. Shayela ummeli onolwazi ozinikele emthethweni wokulimala komuntu ngokushesha okukhulu ngemva kwengozi.
Ngike ngabona ngisho nezimo lapho isimo se- Oregon ucele lokho Washington Uhulumeni umisa umuntu emsebenzini ngenxa yokwehluleka ukufaka umbiko wengozi. Nakuba lezi zinkinga zingalungiseka, kungcono kakhulu ukuphepha. Qasha ummeli bese ulandela umthetho kusenesikhathi.
Kuyini OregonUhlelo luka-“Modified Comparative Negligence”?
Oregon inalokho esikubiza ngokuthi uhlelo lokunganaki oluqhathanisiwe, lapho umuntu enqatshelwa khona ukubuyisa umonakalo wakhe uma enecala elingaphezu kuka-50% ngokulimala kwakhe. Ngakho-ke lokhu kusho ukuthi uma ijaji linquma ukuthi unecala elingaphezu kuka-50% esigamekweni, awutholi lutho. Uma unecala elingaphansi kuka-50% ngalesi sigameko, uthola umonakalo wakho, yize wehliswe yisabelo sakho sephutha.
Lokhu kuhluke kakhulu kulokho Washington uhlelo, isibonelo, esilubiza ngokuthi uhlelo lokunganaki oluqhathaniswayo oluhlanzekileKulolu hlelo, ngisho nomuntu onephutha elingu-99% angakwazi ukubuyisela umonakalo wakhe, kodwa inani alitholayo lizoncishiswa ngamaphesenti ephutha lakhe. Uhlelo lwephutha oluqhathanisiwe olushintshiwe ku Oregon kudala isisusa esibi kubanikazi bomshuwalense kanye nabamangalelwa sokuzama ukulwa necala lomuntu lapho mhlawumbe kungafanele khona.
Ngokwesibonelo, ku Oregon, abahlinzeki bomshuwalense kanye nabamangalelwa bazolwa kanzima ukuzama ukudala iphutha kumuntu omangalelayo, noma ngabe lokho kungabazeka kakhulu, ngoba bayazi ukuthi uma nje bengathola ijaji ukuthi lisole ummangali kakhulu, bangaphunyuka ekukhokheni umonakalo kumuntu omangalelayo, noma ngabe lowo monakalo mkhulu kakhulu.
Okubalulekile ukwazi ngakho OregonImithetho yomshuwalense ka-'s?
Njengezifundazwe eziningi, umshwalense wemoto uyimpoqo Oregon. Nokho, Oregon kusenza siqhubekele phambili futhi kunephilisi elinobuthi elisetshenziswayo ukukhuthaza ukulandelwa komthetho. Uma uzithola usengozini e- Oregon futhi ungenawo umshwalense wemoto, awuvunyelwe ukubuyisa umonakalo wakho ojwayelekile. Lokhu kusho ukuthi awutholi lutho lokukukhokhela ubuhlungu nokuhlupheka kwakho, ukuphazamiseka noma ukukhubazeka okuhlala njalo.
Usengalulama ngenxa yokulahlekelwa kwakho ngokwezomnotho, okuhlanganisa ukulahlekelwa umholo wakho kanye nezindleko zezokwelapha. Kodwa-ke, lokhu ukulahlekelwa okukhulu kakhulu futhi kusho ukuthi abantu abaningi bashiywa belimele futhi bekhubazekile bengenalutho lokubakhokhela ngokulahlekelwa kwabo. Inkinga ngalokhu ukuthi kunezizathu eziningi ezizwakalayo noma eziqondakalayo zokuthi kungani umuntu engase angabi nomshwalense ngesikhathi sengozi.
Ngezinye izikhathi izimoto zisuswa ngephutha ekumbozweni. Ngezinye izikhathi, umuntu angase akhohlwe ukukhokha ibhili yakhe yomshuwalense ngesikhathi, futhi ukumbozwa kuzophela. Ngenhlanhla, umthetho uhlinzeka ngezinye izinto ezilinganiselwe. Siphumelele ekutholeni ubulungiswa kumakhasimende ethu kulezi zimo ngaphambili, kufaka phakathi lapho ugogo omdala othandekayo owayehlala ekhokhela umshwalense wakhe ngokuhlola iphepha ngesikhathi, isheke lakhe lalahleka eposini, wabe esethola izaziso zesixwayiso ezivela kumshwalense wakhe isikhathi esingaphezu kwenyanga.
Kwesinye isigameko, indoda eyayinezimoto ezingaphezu kuka-20 kunqubomgomo yayo yemoto yayishayela imoto eyodwa eyayiphumile kunqubomgomo yayo ngenkathi ingemuva iphela ngesivinini esikhulu. Ummeli omkhulu wokulimala komuntu uzophenya ngalokhu futhi abone ukuthi kuyasebenza yini esimweni sakho.
Yini okufanele ngazi ngayo Oregonisivikelo sokulimala komuntu siqu (i-PIP)?
Isici esisodwa esihle se Oregon umthetho uwukuthi Umshwalense we-PIP kuyimpoqo, i-PIP esiyibiza ngokuthi i-PIP imele ukuvikelwa kokulimala komuntu siqu futhi iyisivikelo esikhokhela ukunakekelwa kwakho kwezokwelapha kuze kufike enanini elibekiwe. Into enhle nge-PIP ukuthi izokhokhela izikweletu zakho zezokwelapha kungakhathaliseki ukuthi iphutha liyini, ngakho-ke isiza abantu ukuthola ukunakekelwa kwezokwelapha abakudingayo. Ngenkathi imishwalense isaqhubeka nokucacisa ukuthi ubani onephutha.
In Oregon, inani elincane kakhulu le-PIP umuntu angaliphatha lingu-$15,000 wezindleko zezokwelapha. Enye into enhle ngomshuwalense we-PIP ukuthi umboza okungaphezu nje kwezindleko zezokwelapha. Eqinisweni, ngisho noma unenqubomgomo ye-PIP encane, ku Oregon ingamboza ukulahlekelwa komholo okufika ku-$700 ngesonto futhi ingakhokhela nezinsizakalo zasekhaya njengokuhlanza ikhaya lakho noma ukunakekela impahla yakho ngenkathi ulimele.
Nokho, kukhona umehluko ngezinzuzo ze-PIP, futhi ummeli omuhle uzosungula isimangalo se-PIP futhi abhekane ngqo nomshwalense wakho ukuqinisekisa ukuthi uthola izinzuzo ozikhokhele.
Iyini intengo yomonakalo yokufa okungafanele ku- Oregon?
Into eyodwa ekhathazayo mayelana Oregon umthetho uthi umbuso usenayo isivikelo somonakalo ngokufa okungafaneleLokhu kusho ukuthi uma wena noma othandekayo wakho eshona engozini, Oregon imali eningi umndeni wakho ongayithola ngenxa yobuhlungu nokuhlupheka kwakho ingu-$500,000.
Manje, umndeni wakho ungase ukwazi ukubuyisa izindleko zezindleko zakho zokugcina zezokwelapha kanye nezindleko zomngcwabo.
Noma kunjalo, ku amacala okufa ngokungemthetho, lokhu kuvame ukuba kuncane kakhulu, ikakhulukazi ezimweni lapho ukufa kwenzeka khona ngokuphazima kweso. Abameli be-GLP balwela ukuguqula lo mthetho ngaphansi kwesigaba sokuqala, isigaba seshumi soMthethosisekelo. Oregon UMthethosisekelo. Uma unomuntu omthandayo obulawe e- Oregon, shayela abameli be-GLP ubone ukuthi singasiza yini.
Abameli be-GLP balapha ukuzokumela ecaleni lakho lokulimala komuntu siqu
Abameli be-GLP balapha ukuzokusiza ukubhekana nesicelo sakho sokulimala komuntu siqu ngemva kokushayisana kwemoto. Sifuna ukuqinisekisa ukuthi ngenkathi ululama ekulimaleni kokushayisana kwemoto, uzizwa uphephile ngokwezimali.
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 ngaphansi Oregon umthetho.
