Kuyini Umshwalense We-Auto? Umshwalense wezimoto umkhiqizo owathengiwe futhi ongakhokhela umonakalo wemoto yakho noma izimoto zabanye Boot Versekering Aanlyn Kwotasie ku Sandton uma kwenzeka ingozi yemoto noma umonakalo ohlobene nengozi. Umbuso ngamunye unemithetho yawo ngokuphathelene nomshuwalense wemoto ukuthi umuntu ngamunye kufanele akwazi ukushayela ngokomthetho. Izici eziningi klassieke motorversekeringezihlukahlukene zithinta amazinga omshwalense wemoto, futhi. Ayisho ngisho nasezinkampanini ezihlukahlukene; kufike embonini yomshuwalense ukucacisa ukuthi yimuphi umshuwalense wemoto nokuthi umuntu ngamunye uyokhokhela kanjani ukukhokhelwa ngokuzenzakalela.
Ukuphi umshuwalense wemoto? Kubonakala sengathi umbuzo oyisisekelo. Kodwa-ke, kunezici eziningi nezakhi ezihlukahlukene okufanele zicabange ngomshuwalense wemoto ukuthi ungaba nzima kakhulu uma ungekho olungiselelwe lokho okungena kuwo. Udinga ukwazi ukuthi amanani akholwa kangakanani ukuthi yiziphi izinhlobo zokubheka itholakale, kungakanani ukuhlanganisa okudingayo noma ongayithola, futhi yiziphi izinkampani ezinikeza umshwalense we-auto umhlabeleli ngezidingo zakho.
Ukuphi Umshwalense Wokuzenzekela Ngomshwalense? Umshwalense wokusebenzisa umshwalense usebenziseka ukuvikela umuntu ngamunye noma ibhizinisi noma inhlangano ekulahlekelweni kwezimali mayelana imoto. Ukulahlekelwa ngokwezimali kungenzeke ngenxa yezizathu eziningi, futhi ukuba nomshuwalense wezimoto kungakufihla ukulahlekelwa kwakho ngezindlela ezihlukahlukene.Ukufaneleka Kwempahla YokulimazaIndleko yokulimala kwempahla ihambisana nokulimala wena noma umuntu oshayela imoto yakho ngemvume yakho kumpahla yomunye umuntu. Izindleko zingabandakanya enye imoto, izibhamu zomsebenzi, izicingo, izakhiwo, izindlu, amabhizinisi, noma cishe noma yiluphi uhlobo lwesakhiwo semoto yakho efika ekuthinteni. Ukubhekwa kweCollisionCollision kuvame ukuvikela imoto yakho emonakalweni ephumela engozini eminye imoto, i-pothole, imoto igxuma ngaphezulu, njll Ukubambisana kokukhokhwa kuzokukhokhela ukulungisa imoto yakho, noma uma imoto yakho ibonakale engozini, iyokubuyisela ngokubaluleka kwemoto ekukhipheni ukukhipha imali futhi kwezinye izimo nezinye izindleko.
UVUMELELO WOKUSEBENZA EMNYANGWENI WASE-USAAuto isidingo, futhi lokhu kubonakala ngokucacile ukuthi zonke izifunda zase-USA zenze ukuba kube nomshuwalense wemoto kuzo zonke izimoto. Esikhathini esiningi, motor versekering kwotasies lokhu kubonakala sengathi kuyisivivinyo sokukhathazeka, kodwa kungani ulinde uze uhlanganyele engozini ukuthola ukuthi ukuthatha ikhava yemoto kunakekela kanjani izimpahla zakho nawe. Izindleko eziphezulu zezokwelapha nezokugwetshwa kwezigwegwe ezenzweni zenza kube kuhle ukuzivikela kanye nemoto yakho eyigugu ngemoto yomshwalense.
Ngaphezu kwalokho, zonke iziphathimandla zenze kube nzima ukuba nezinhlelo ezimbili zomshwalense wemoto – uhlelo olungekho-iphutha, kanye nesistimu ye-Tort. Uhlobo lwangaphambili lomshuwalense ohlonishwayo emazweni amaningi lusho ukuthi umshuwalense wakho uyokhokhela izicelo zokulimala kungakhathaliseki ukuthi ubani obangela ingozi empeleni. Inani elikhokhwa lifike kumkhawulo ocacisiwe, futhi uma uhilelekile engozini, umphathiswa wakho unecala lokukhokha ukulimala. Ngokumelene nalokhu, uhlelo lweTort kulindeleke ukuthi iqembu elimele lizinakekele izindleko zezokwelapha kusuka epaketheni labo bese libiza kumuntu othwala umshwalense wemoto enecala njengempindiselo.
Ngokuba inani lezigameko kanye nokweba kwenzeka kakhulu eU. SA, kubalulekile kuwo wonke umnikazi wemoto ukuthi athenge leyo nzuzo yomshwalense ukuze avikele kokubili imoto kanye nomnikazi wayo ngezikhathi zokudinga.
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Selecting health insurance for a small business is a somewhat complex task, at best. Whichever health insurance program you pick, it must match your company's needs and resources, so it is best to choose a self-employed health insurance professional that can guide you, and provide you the best information to enable you to make the best and most informed decision.Health insurance professionals are:Agents work on behalf of the company marketing and selling their products, and are paid commission based on sales.Brokers are licensed and represent a number of different company's products, usually compensated by the insurance company the sale is placed with. The broker must provide on-going service to clients of the company.Consultants evaluate group needs, design plans, and recommend the most reasonable company. The consultant is paid through the contract with the employer group. The contract outlines fees and servicing for the company.When choosing a company or carrier, you should make an informed decision based on the plans offered, the company or carrier's reputation, the agent's reliability (talk to people who use this company), the company's stability, and length of time in business.The New York State Department of Insurance publishes compliant ranking for health insurance providers that includes records of grievances, appeals for medical necessity, and department complaints which you can access through the following website: http://www.ins.state.ny.usTo find out about the financial stability of the company, ask for a copy of its ratings through A.M. Best & Co, Duff & Phelps, or Standard and Poor's. For additional information, contact the New York State Insurance Department, as they issue the carrier's licenses, and monitor their carrier's operations.You should also make note that insurers are required by law to disclose information on coverage parameters, utilization, review policies, prior authorization requirements, premiums, cost sharing, payment methods, responsibilities, grievances procedures, how to acquire emergency services, as well as procedures for selecting, changing, or accessing providers.As the owner of a policy from any health insurance company, you have certain rights. Most insurance contracts now have grievance conditions and clauses built in. This is useful if a provider denies access to a referral or judges, a benefit not covered under the signed policy agreement. The procedure must be outlined in the agreement and must be provided to the policyholder as written notice.You, as a policyholder, with a built in grievance procedure have the right to complain and have your complaint reviewed.
In addition to homeowners insurance and auto insurance, medical professionals like physicians and surgeons often require medical professional liability insurance. Professional liability insurance, also referred to as medical malpractice insurance, protects them against loss resulting from acts, errors or omissions in their performance of professional duties.When purchasing medical professional liability insurance, physicians have two options-claims-made policies or occurrence insurance. Deciding between claims-made and occurrence may not always be easy, so it's crucial to consider the important points that pertain to each type of coverage to determine which will best suit your specific needs.Claims-Made Policies- Increased limit of liability - Physicians have the opportunity to increase their limit of liability, which determines how much their insurance company will pay to settle a negligence claim, and how many claims it would settle in one policy period. Considering that many doctors feel more comfortable with higher limits, an increased limit of liability can determine whether a claims-made policy is right for you.- Discounted premium - Claims-made policies offer an initial cost savings for the first four years. This is because insurance companies understand that the chance of a claim being filed during the first few years is slight, but increases over time. The premium will gradually increase each year until the coverage becomes mature at five years and the odds of a claim being reported is much greater.- Tail coverage - Since claims-made policies provide coverage only if the claim is first reported or filed during the policy period, physicians may need to purchase tail coverage to protect against claims made after the policy period ends. Medical professional liability claims often take a long time to develop, so a physician may not receive notice of the claim until years after the incident in question occurred. For instance, if a physician retires, allowing his/her insurance policy to end, and a claim comes in six months later, he/she will require tail coverage to protect against the claim.- Possibility of free tail coverage - There is a chance that the physician will not have to finance the cost of tail coverage, since many medical professional liability insurance companies provide a free tail to a physician that has been insured with the same company for a specified period of time and has complied with the insurer's provisions. Many insurance companies also offer free tail coverage to retiring physicians aged 55 or older who have been insured with them on a claims-made basis for the five years proceeding retirement.Occurrence Insurance- Coverage is permanent - Occurrence insurance protects against claims resulting from incidents that occur during the policy period, regardless of whether the policy is still in effect at the time the claim is made.- Avoid purchasing tail coverage- Since occurrence coverage is permanent, physicians can avoid the cost of tail coverage. Financing tail coverage can be quite expensive, costing up to 200% of the premium depending on the insurance company, so avoiding the cost of a tail may determine whether occurrence insurance is right for you.- The insurance company's financial stability must be secure - Considering that occurrence insurance is permanent, it's necessary to have complete confidence in your insurance company's finances. Medical professional liability insurance claims can take years to develop after an incident occurs, it's important to feel secure that your insurance company will still be in the position to protect you years after purchasing occurrence insurance.- Limit of liability remains unchanged - Unlike claims-made policies, the limit of liability at the time of purchase is the limit you will have when a claim is made, which is typically 3 to 5 years after the incident occurs.There are many important points to consider when deciding between claims-made policies and occurrence coverage. Contacting a trusted professional liability insurance agent is the best place to start.
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