Kuthiwani uma inkampani yomshuwalense ingenzi lokho okufanele ikwenze? Ungazibona yini izimpawu zokuthi inkampani yakho yomshuwalense ingase yenze ngokungafanele? Kulesi siqephu se-Personal Injury 101: Insurance Bad Faith, Partner UScott Shawver uxoxa ngendima ebalulekile edlalwa umshwalense ekusizeni abantu ukuba balulame ngemva kokulimala, ingozi, noma okunye ukulahlekelwa okungalindelekile. Uchaza ukuthi kusho ukuthini umshuwalense ngokungafanele ngaphansi komthetho nokuthi kungani abanikazi bamapholisi kufanele baqonde amalungelo abo lapho besebenzelana nezinkampani zomshuwalense.
UScott uqokomisa izimpawu ezivamile zokuxwayisa zokuthi umshwalense angase angasiphathi kahle isimangalo noma angafezi izibopho zakhe ngaphansi kwenqubomgomo. Uphinde ahlole ukuthi ummeli angasiza kanjani ekuhloleni ukuziphatha okubi okungenzeka futhi akhuthaze ukuphathwa okufanele kuyo yonke inqubo yesimangalo.
Kwa-GLP Attorneys, sikholelwa ukuthi ukufinyelela izinzuzo nokusekelwa kuyingxenye ebalulekile yenqubo yokululama. Ithimba lethu lizibophezele ekusizeni abantu abalimele kanye nemindeni yabo baqonde amalungelo abo futhi baqhubekele phambili ngokuzethemba.
Kungani umshwalense ubalulekile?
Uma uthenga umshwalense, ukhokhela ukuthula kwengqondo. Kufanele ube lapho ukuze uvikele wena, umndeni wakho, kanye nempahla yakho uma kukhona okungahambi kahle. Njenge- ingozi yemoto noma ukulimala okungazelelwe. Empeleni, umshwalense uyisithembiso. Inkampani yomshwalense ithembisa ukuthi uma ukhokha iprimiyamu yakho ngesikhathi, izoba lapho uma uyidinga kakhulu.
Umshwalense wenzelwe ukukunikeza ukwesekwa lapho ululama ngemva kwengozi enkulu. Umshwalense kufanele ukusize ukuthi ubuyele esimweni sakho ngokumboza ukwelashwa, ukwelashwa, noma ezinye izidingo. Akufanele ukhathazeke ngokuthi uzokhokha kanjani izikweletu zakho uma ulimele engozini okungeyona iphutha lakho. Ukunakekelwa kwezokwelapha, ukulungiswa kwemoto, noma ukulahlekelwa umholo kunganda ngokushesha. Umshwalense usiza ukumboza lezo zindleko ezingalindelekile.
Kusho ukuthini uma inkampani yomshuwalense yenza ngokungafanele?
Uma ufaka isimangalo, inkampani yakho yomshuwalense inesibopho esisemthethweni sokukuphatha ngendlela efanele nangokwethembeka. Lokhu kubizwa ngokuthi umsebenzi wokwethembeka nokusebenzelana ngendlela efanele. Kuyingxenye yazo zonke izinqubomgomo zomshuwalense, noma ngabe azibhalwanga ngombala omnyama nomhlophe. Abalungisi bomshuwalense kufanele babheke isimangalo sakho ngendlela efanele futhi eqotho, futhi kufanele bafune izindlela zokukhokha isimangalo sakho, hhayi nje izindlela zokuphika noma ukukhokha isimangalo sakho kancane.
Ukukholwa okubi kwenzeka lapho inkampani yomshuwalense ingakuphathi kahle noma ngokwethembeka. Kungasho ukwenqaba isimangalo esivumelekile, ukuhoxisa inqubo noma ukungakuniki inani eliphelele olikweletayo. Ngamafuphi, yilapho umshwalense wakho ebeka inzuzo yakhe ngaphambi kwamalungelo akho.
Kungani kufanele ngikhathazeke ngokukholwa okubi?
Uma inkampani yakho yomshuwalense yenza ngokungafanele, awuphathwanga nje ngokungafanele, ungase futhi ube nelungelo lokuthola okungaphezu nje kwenani lakho lokuqala lesicelo. Lokhu kungafaka isinxephezelo sezimali esengeziwe, izimali zabameli kanye nezimali zofakazi abangochwepheshe, umonakalo oyisibonelo, kanye nomonakalo wokucindezeleka ngokomzwelo. Okunye kwalokhu kwephulwa kwemithetho kungase futhi kwephule imithetho yokuvikela abathengi yesifundazwe, kukunikeze izinketho zomthetho ezengeziwe.
Yiziphi ezinye zezibonelo zokungabi naso isifiso esibi enkampanini yomshuwalense?
In Washington isimo, ezinye zezimpawu ezibomvu okufanele uziqaphele ukwehluleka ukuphenya kahle isimangalo sakho. Ukuphika isimangalo ngaphandle kokunikeza isizathu esicacile noma esifanele. Ukukudukisa ngalokho inqubomgomo yakho ekuhlanganisayo. Ukulibazisa inkokhelo ngaphandle kwesizathu esizwakalayo. Ukwenqaba ukukuvikela noma ukuxazulula isimangalo lapho kufanele.
Ingabe ngidinga ummeli ozongisiza ngesicelo sami somshuwalense?
Mhlawumbe isizathu esiyinhloko sokuthi xhumana nommeli Uma ucabanga ukuthi awuphathwa kahle noma ngokwethembeka, kungenxa yokuthi abameli bethu banolwazi oluningi kanye nokuchayeka kulezi zinhlobo zezimangalo, futhi bangabona ngokushesha ukuthi ungakwazi yini ukubhekana nalokhu wedwa, noma ukuthi ungazuza yini ngokuqasha ummeli. Yingakho kubalulekile ukukhuluma nommeli oqondayo ukuthi izinkampani zomshuwalense zithini, nokuthi yiziphi izinkampani zomshuwalense okudingeka zizenze.
Kwa-GLP Attorneys, sinelayisensi e- Washington, Oregon futhi Idaho, futhi siyazi ukuthi singawavikela kanjani amalungelo akho noma ngabe icala lakho likuphi.
Yini okufanele ngiyenze uma ngicabanga ukuthi inkampani yami yomshuwalense yenza ngokungafanele?
Akudingeki ubhekane nalokhu wedwa. Izinkampani zomshuwalense ziyazi ukuthi zingayivikela kanjani imali yazo engenayo, futhi zikwenza nsuku zonke. Uma ucabanga ukuthi umshwalense wakho akabonisi ubulungisa noma uthembekile, khuluma nommeli uyamethemba.
Khuluma Nommeli Onolwazi Ngezinkinga Zomshuwalense Namuhla
Kwa-GLP Attorneys, siyaqonda ukuthi kungaba yinto ekhungathekisayo nekhungathekisayo kangakanani lapho inkampani yomshuwalense yehluleka ukufeza izithembiso ezenziwe kunqubomgomo yakho. Njengoba uneminyaka eminingi yesipiliyoni sokuphatha izimangalo zomshuwalense ezingalungile kanye nomlando oqinisekisiwe wokubamba abanikezeli bomshuwalense umthwalo wemfanelo, silapha ukukusekela kuzo zonke izinyathelo zendlela.
Uma ukholelwa ukuthi inkampani yakho yomshuwalense yenze ngokungafanele noma yenqabe isimangalo sakho ngenhloso embi, silapha ukuzokusiza. Shayela ucingo. (800) 273-5005 noma uthumele i-imeyili kubameli bethu ku- ngokubonisana mahhala.
