Inishuwarenzi Inopinda Muhomwe Dzeshuwa
Heano muenzaniso wekuti subrogation inoshanda sei. Ngatitii imba yaBill yebhizimisi inopisa. Bhizimisi yemugovera weBill anomubhadhara $ 2 Mamiriyoni, mari yekutsiva chivako. Iyo inshuwarisi inowona kuti moto wakabatwa nekushandiswa kusina hanya kwechidzitiro nemuvakidzani waBill, Steve.
Iyo inshuwarheni inofunga Steve kuti adzorere $ 2 mamiriyoni ayo akabhadhara kuna Bill nokuda kwekuparadzwa kwemoto.
Kana Bill ainge asina purasisi yemainishuwarenzi, aizova nekodzero yekupomera Steve nekuda kwekubhadhara chivako chake. Nemhaka yokuti mubhadhadzi weBill akamupa chikwereti chekurasikirwa, kodzero yeBill yekupomera Steve inotumirwa kune inshuwarisi. Iyo inshuwarisi "inopinda muzvishongo zveBill," zvinoreva kuti inowana chero kodzero ipi zvayo Bill inofanira kumhan'arira Steve.
Vafambisi vanogona kuwana kodzero yavo yekuregererwa kubva kumutemo kana kontrakiti . Inishuwarenzi yakawanda ine zvinyorwa zvinyorwa zvinoshandiswa apo iyo inshuwarheni yakabhadhara kurasikirwa (kana kuti nokuda kwe) bhizinesi. Iyo ndima inopa inshuwarheni kodzero yekuwanazve mari yekurasikirwa kwayo kubva kune rimwe boka rakaita kurasikirwa. Anishuwarenzi angave ane kodzero iyi kunyange kana isingatauri mumutemo. Vazhinji vehurumende vakagadza mitemo yekudzivirira mitemo iyo inobvumira vatsigiri vekutsvaga kuti vatsvake kupora kana vabhadhara zvizere vhesi yavo yekurasikirwa.
Kufanirwa Kuzviisa Zvikamu
Mazhinji emishonga inshuwarisi mitemo ine gwaro rinotsanangura kodzero dze insurer's subrogation. Inowanzooneka mumamiriro emitemo . Muchirevo cheS ISO , chirevo chechikamu chechikamu chinowanzowanikwa pasi pehurukuro Kudzingwa Kwekodzero Dzokudzorera Kune Vamwe Kwatiri. Zvinyorwa zvomuzvikamu zvingave zvakasiyana kubva pane imwe nheyo kuenda kune imwe asi vose vane chinangwa chakafanana.
Vanobvumira bhizimisi kuti vawane mari yekurasikirwa kubva kune bato iro rakakonzera kurasikirwa.
1. Maitirwo Emabhizimisi Pfuma
Nzvimbo dzakawanda dzekutengeserana dzimba dzine zvinyorwa zvinyorwa zvinyorwa zvakadai sezviri kuwanika muIOO mutemo. Chikamu chechirevo ichi chinooneka pasi apa:
Kana munhu chero upi zvake kana sangano kana kuti watinenge tichibhadhara pasi pechikamu ichi chekugovera ane kodzero yekuwana mhirizhonga kubva kune imwe, kodzero idzodzo dzinotumirwa kwatiri kusvika pamwero wekubhadhara kwedu.
Kuti uone kuti ndima iyi inoshanda sei, funga muenzaniso unotevera:
Jennifer ane chivako chiduku chebhizimisi chaanoshandisa kushanda bhizinesi yekugadzira mhuka. Jennifer akatsigira chivako pasi pekutengeserana kwenzvimbo yekutengeserana . Rimwe zuva, Jennifer ari kubatikana neane furry mutengi paanonzwa kurira kukuru. Kamwe gare gare, rimwe rusvingo rwechivako chake rwunowira ndokubva rwunopisa mumoto. Dhipatimendi remoto rinobva rauya kuzodzima moto.
Imba yaJennifer yakakonzera kukanganisa kukuru. Moto wacho waiva mugumisiro wekuputika kwebivha muimba iri pedo neimba. Mubivha wacho akaputika nokuti Bill, muridzi wechivako, akakundikana kuichengeta zvakanaka. Jennifer's inshuwarisi yemari inopa mari yekuvhiringidza moto kumadzimai ake ndokuzoisa pasi paBill.
Izvi zvinoreva kuti inosundira suti inopesana naBill ichida kutsvaga mari yakabhadhara kuna Jennifer. Nokuti iyo inshurenzi yakabhadharwa (inotsiviwa) Jennifer nokuda kwekurasikirwa, inotora kodzero yake yekupomera Bill. Iyo inshuwarheni ine kodzero yekutevera Bill chete nokuda kwemari yaibhadhara kuna Jennifer.
2. Kutengeswa Kwemabhizimisi Mitemo
Mazano mazhinji emabhizimisi emitemo ane chinyorwa chechipiri chechipiri chinowanzoenderana nesangano reIO rezvemhosva . Icho chinyorwa chinotaura kuti kana bhizinesi iri nekodzero yekuwana zvose kana chikamu chemari chero ipi zvayo iyo inshuwarisi yakaita pasi pehurongwa, kodzero idzi dzinoendeswa kune inshuwarisi. Muenzaniso unotevera unoratidza kuti ndima iyi inoshanda sei.
Sallie ane wekutengesa zvekutsvaga rainzi Rags kuna Riches. Rimwe zuva, mutengesi mutengi anofamba uye anowira pane tile isina kubhururuka, achivhuna gumbo rake.
Mutengi anokwidza Rags kuPfuma nokuda kwekukuvara mumuviri . Sallie's liability insurer anobhadhara kudai. Icho chinopomera sangano rakagadza Sallie's floor pasi mari yaibhadhara kune yakakuvara. Iyo inshuwarisi inopikisa kuti kontrakta akaisa pasi pasi zvisina kunaka uye kuti kusaregererwa kwaro kwaita kuti mutengi akuvara. Nokuti iyo inshuwaridzi yakadzorera Sallie pamutengo wezvokutaura, inotora kodzero dzayo yekupomera mukonesi asina hanya.
3. Zvemabhizimisi Auto Policies
Bhizimisi rezvemabhizimisi rega rega rega rine chirevo chechikamu chechikamu chakafanana neicho chinowanikwa muIOO purogiramu yemiti. Iyo ndima inonyatsotaura kana iyo inshuwarisi inobhadhara chikwereti chemotokari kana chimiro chekukuvadza , uye mumwe munhu kunze kwehutsikiti ane mhosva yekukuvadzwa kana kukuvadzwa, bhizinesi rinogona kupomera chikamu icho kuti chiwane mari yekubhadhara kwayo.
4. Vashandi Vekubhadhara Mitemo
Mutemo weNCCI mushandi wekubhadhara wevashandi une zvinyorwa zviviri zviri pasi pezvikamu zvinotevera: mumwe pasi peChikamu Chekutanga, Vashandi Vokubhadhara, uye mumwe pasi peChikamu Chechipiri, Vashandi Chekuita. Zvose mbiri dzinoti Recovery From Others
Izwi rechikamu chechikamu chinowanikwa muChikamu Chekutanga chinopa mubhadhadziro kodzero dzako, pamwe nekodzero dzevashandi vako vakakuvadzwa, kuti uwane mari yawakagadzirisa kubva kuna ani zvake ane mhosva yekukuvara kwevashandi. Semuenzaniso, fungidzira kuti yako yakasimba yakatenga mari yekubhadhara vashandi. Mumwe wevashandi vako akakuvara mumotokari yemotokari inokonzerwa nokuregererwa kwemumwe mutyairi. Mushandi wako anopa vashandi mari yekubhadhara kune mushandi. Iko zvino inoshushikana nevasingateereri mutyairi wekutengesa kwezvakabhadharwa kubhadhari wako.
Mune dzimwe nzvimbo, mushandi anokuvadza anogona kumhan'arira mutyairi asina hanya uye kutora mubairo. Zvisinei, hurumende dzakawanda dzinorambidza vashandi kubva "kudarika kaviri" (kugamuchira nyaya yekudzikinura kwekukuvara kumwechete). Izvi zvinoreva kuti mushandi uyo anounganidza kukanganisa kubva kune chikamu chisina hanya anofanira kubhadhara iyo inshuwarisi pamutengo wezvikomborero zvaakagamuchira. Kana kambani iyo inshuwarisi yakabhadharwa, mushandi anogona kubvumirwa kuchengetedza zvimwe zvinokuvadza.
Shanduro iyi inowanikwa muChikamu cheVashandi Vechipo inopa mubhadhadzi wekodzero kodzero yekutsvaga kugadziriswa kubva kuna ani zvake ane mhosva yekukuvadza iyo iyo inshuwarisi yakabhadhara chikamu pasi pemutemo. Izvi zvinoreva, kana mubhadhari akabhadhara zvinokonzerwa nekukuvadzwa kune mushandi, zvinogona kupomera sangano iro rakakonzera kukuvadzwa kubhadhara mari yacho.
Unofanirwa kuchengetedza Kodzero yeInishuwarenzi
Kana imwe nguva bhizimisi yakabhadhara chikwereti, ine kodzero kune kodzero ipi zvayo yaunayo nechekare. Kana iwe wakasiya kodzero dzako, hauna wekutsvaga kune inshuwarisi. Nokuda kwechikonzero ichi, zvese zvinyorwa zvese zvinokonzera ruzivo zvinosanganisira mutauro unoda kuti iwe udzivirire chikwereti chekambisi yekukwirira musangano usina hanya . Zvikamu zvizhinji zvinokurambidza kurega (kurega) iwe kodzero yako yekupomera mutungamiri wenyika mushure me kurasikirwa kwakaitika .
Somuenzaniso, fungidzira kuti iwe uri kutyaira motokari yakavharwa nebhizimisi rako rega motori purogiramu kana iwe uri shure-wakaguma nemumwe mutyairi. Iwe unopikira mumwe mutyairi kuti iwe haungamupi mhosva nokuda kwekukuvadza kwaakaita kumotokari yako. Iwe waputsa chikamu chechikamu chechikamu.
Pre-Loss Waivers Akabvumirwa
Maitiro mazhinji emabhizimisi emitemo anonyatsokubvumira kuti usasununguka kodzero dzako dzekudzikinura musati warasa kurasikirwa . Mitemo yemitemo inowanzove yakanyarara pamusoro pekutanga-kurasikirwa kweavers, asi kubvumirana kwakanyanya ndeyokuti kukanganiswa kwakadaro kunobvumirwa kana zvisingabvumirwe zvakananga. Izvi zvinoreva kuti iwe unogona kusayina chibvumirano chaunopikira kuti usapomera mumwe munhu kurasikirwa kana pasina kurasikirwa kwave kuchiitika. Waivers of subrogation inowanikwa mumhando dzakawanda dzebhizinesi dzebhizimisi.
Kunze kwePasita-kurasikirwa Waiver Rule
Pane imwechete kunze kwekutevera-kurasikirwa kwekuregererwa kwekutonga. Izvo zvakashambadzira zvekutengeserana purogiramu yemvumo inokubvumira kuti udzikinure kodzero dzako mushure mekurasikirwa kana kusunungura kuchiitwa mukufarira chimwe chezvinotevera:
- Imwe bhizimisi pasi pemutemo
- Murimi wako
- Kambani inofambisa kana inodzora kambani yako
- Kambani yaunayo kana kuti yekutonga