Mubhadhari Wako Akave Aziviswa Kutsiva!
Chii Chinonzi Guaranty Fund?
A guaranty fund (kana guaranty association) isangano rakagadzwa nemutemo wehurumende.
Chinangwa chayo ndechekuchengetedza vashandi vehurumende kubva kune insurer insolvencies. Inokwereta kudai inshuwarheni ingadai yakabhadhara kana ikasava mari yakaoma. Mari iyi inowanzotungamirirwa nebhodhi revatungamiri vakasarudzwa nekubatanidza bhizinesi. Inotarisirwa nehurumende yemishuwarisi commissioner.
Mari yehutano inowanikwa mune zvese makumi mashanu, pamwe nePuerto Rico neWashington DC Zvizhinji zvinotarisira kuchengetedza mari yakasiyana yehupfumi / hutachiwana inshuwarisi uye hupenyu hwehutano / hutano. Ichi chinyorwa chichatarisa pane zvekare.
Kuti vatarisane nevatsigiri vezvematongerwo enyika, vazhinji vezvematongerwo enyika vakapfuura mutemo we guaranty wakabva pane chiito chokutanga chakanyorwa neNational Association of Insurance Commissioners. Dzimwe nyika dzakagadza chiito chemuenzaniso "sezvazviri," asi vazhinji vakapfuura shanduro yakashandurwa.
Vatsigiri vanofanirwa kubatanidzwa muhurumende yehuranti yehurumende kana vane mvumo yekuita bhizimisi munzvimbo iyoyo. Anishuwarenzi inobvumirwa mune zvese makumi mashanu inyika inofanirwa kubatanidzwa muhomwe mune imwe neimwe yezvematunhu iwayo.
Vatsigiri vemu-inshuwarisi chete ndivo vanoteerera mutemo we guaranty. Vashambadziri vasingabhadharwi (zvakadai sezvikwata zvakasara zvinotakura) hazvisi. Nokudaro, kana bhizinesi rako richichengetedzwa ne inshurensi isingabvumirwi iyo inonzi yakasvibiswa, haugoni kutsvaga kubhadharwa zvikwereti zvisina kubhadhara kubva kune state guaranty fund.
Dzimwe nyika dzinoda vashandi kuti vazvidzivirire vashandi vavo kubhadhara mitoro yavo kuti vabatanidze mu guaranty fund yevashandi vanozvidzivirira .
Mari iyo inopa mari kune vashandi kana vashandi vavo vasingagoni kubhadhara nekuda kwekubhadhara kana kusurukirwa.
Kubhadhara Kwakaita Sei Mari?
Mari shomanana yekuchengetedza yakasikwa muma1940, asi yakawanda yakavapo muma1960 nema1970, apo insurer insolvencies yakatanga kuwedzera. Pakutanga, nyika yakachengetedza mari imwe chete yekuvhara rimwe rutivi rwebhizimisi, rakadai sevashandi vemari kana kuti self auto inshuwarisi . Makambani emishuwarenzi akanga ari maduku. Vakawanda vakanyora mutsara webhizimisi mune imwe nyika. Kana bhizimisi risina kubhadhara, nhamba shoma chete yevashandi vehurumende uye imwe yehurumende yehurumende yakakanganiswa.
Mazuva ano, vazhinji vanoti vanochengetedza mari yakawanda yekuchengetedza. Semuenzaniso, hurumende inogona kushanda mari yakasiyana yemotokari yemotokari, vashandi, uye mamwe mitsara (kusanganisira mutoro wepamusoro uye yezvokutengeserana pfuma ). Vafambisi vakanyanya kuoma kupfuura ivo vaiva makore 40 kana makumi mashanu apfuura. Vakawanda vanopa mavhesi akasiyana-siyana mumatunhu akawanda. Vamwe vatsigiri vehurumende vanonyora mitemo munharaunda dzose dzehurumende. Nokudaro, kuregererwa kunoitika nhasi kunogona kukanganisa vazhinji vanoita zvematongerwo enyika uye kunosanganisira mari yekuchengetedza mumatunhu akawanda akasiyana.
Apo Inishuwairi inokundikana
Inishuwarenzi Institute Institute inotaura zvikonzero zvekuti nei kambani yehushuwarisi ingakundikana.
Izvi zvinosanganisira kusakwana kwemari yekuchengetedza, kukurumidza-kukurumidza kukurumidza, kushaya mari yakakwana, inshuwarheni yehutsotsi , nekushaya masimba. Vakawanda vekuchengetedza inshuwarheni kunokonzerwa nekubatanidzwa kwezvinhu.
Inishuwarenzi yehurumende yehurumende inotarisira makambani ehu inshuwarisi kuti ave nechokwadi chokuti vane mari yakanaka. Kuti vaite izvi, vanoda vhesi kuti vape zvirevo zvemari nguva nenguva. Kana mutongi achifunga kuti inshuwarheni yakava mari isina kugadzikana, iye anogona kutora mairi kuburikidza nekuwana dare remutemo. Kana iyo inshurensi yemari inogona kuvandudzwa, mutongi anogona kuedza kugadzirisa. Kana iyo inshurensi isingagoni kugadziriswa, kana kana kuedza kuigadzirisa kunokanganisa, mutongi angakumbira dare kuti ritaure urongwa hwekudzimiswa.
Kana imwe nguva chirongwa ichi chave chabudiswa, mutongi anogona kutungamirira kusunungura iye pachake kana kugovera basa iri kune imwe nhengo (inonzi receiver).
Munhu anogamuchira anopa iyo inshuwarisi yezvinhu zvakasara kune vanotora chikwereti pasi peurongwa hunogamuchirwa nedare. Mutevedzeri anozivisa vatsigiri vehurumende kuti inshurenzi iri kuvharwa, uye iyo inofanirwa ichabhadharwa nehurumende yehurumende ye guaranty. Mutevedzeri anozivisa zvakare vashandi vemazuva ekuti mitemo yavo icharegererwa.
Mari Inoshandiswa Sei Mari?
Nzvimbo dzakawanda dzinoshandisa mari yekuchengetedza mari nemari inowanikwa kubva kuongororo pamakambani einishuwarenzi. Iko kuongororwa kunowanzoitwa mushure mokunge inshuwarisi yave ichinzi yakasvibiswa. Izvi zvinoreva kuti inshuwarisi inogona kuongororwa muna 2017 nokuda kwekushaya insolveniti yakaitika muna 2016. Vaiti vezvekuchengetedza vari pasi pekuongororwa chete kana vakanyora mhando imwe yebhizimisi sekambani yakashata. Iko ndiko kuti, inshuwarisi iyo inonyora vashandi inshurensi yemari yerinishuwarenzi inoongororwa kana vashandi vanobhadhara inshuwarheni vava kusvibiswa. Saizvozvowo, motokari yemagetsi anoongororwa inotevera kuurawa kwebhaji rebhaji.
Pane imwe nguva inshuwarheni yave ichinzi yakasvibiswa, dhipatimendi re inshuwarisi inogadza kukosha kwekambani inosara. Iko zvino inotarisa kuwanda kwemari iyo sangano rekuchengetedza richada kubhadhara zvikwereti. Iyi mari inotarirwa kubva kune vatsigiri. Mitemo yehurumende inonyanya kutaurwa chiyero chikuru cheshuwarisi chinogona kuongororwa. Izvi zvinowanzova imwechete kana maviri muzana yemubhizimisi wekambisi yakanyorerwa.
Vakawanda vanobvumira vatsigiri vekuchengetedza mari kuti vadzorere mari yavakarongedzwa kuburikidza neimwe yenzira dzinotevera:
- Kuwedzera kwemapurayamisi
- Surcharges on policy
- Offsets pamutengo wemitengo
New York ndiyo nyika bedzi isingagadziri kuongorora post-insolvency. Pane kudaro, hurumende inochengetedza mari yekushandisa mari iyo inounganidza kubva kune vatsigiri. Kana bhizimisi inopedzisira iripo, mari yacho inoshandiswa kubhadhara zvikwereti kune iyo inshuwarheni. Kana chikwereti ichiderera pasi peimwe chiyero, mari yakawanda inounganirwa kubva kune vatsigiri.
Zvikwangwani Covered By Guaranty Funds
Mari yehutendi inobhadhara zvimwe, asi kwete yose, marudzi ezvokutaura. Kunyanya kusabvisa zvirevo zvinoshandiswa nevashandi vanozvidzivirira . Vamwe vanosiyawo dzimwe mitsara yebhizimisi, sevimbiso uye chikwereti inshuwarisi. Imwe mari ye guaranty inosanganisa kudarika kwechirango.
Bhizinesi rekuchengetedzwa kwebasa rinowanzovharwa ne guaranty fund inoshandiswa nehurumende iyo bhizinesi iripo. Kunyange zvakadaro, zvikwereti zvevashandi zvinoshandiswa ne guaranty fund yehurumende apo uyo anotaura (mushandi) anogara. Izvi zvinoreva kuti kubvunzwa kwakaitwa nomushandi anogara kuMissouri kuchagadziriswa nehurumende yeMissouriy fund, kunyange kana mushandi ari kune imwe nyika.
Mari yehutano inobhadhara vose vekutanga-bato nevechitatu-madzishe. Kana chikwereti chemhosva chave chakasvipiswa pakusimba kwako uye chekuzvidzivirira zvinodiwa, mari yacho ichabhadhara mari yako yekudzivirira . Mari zhinji ye guaranty inotsanangura huwandu hwemari yavanobhadhara chero ipi zvayo. Muganhu unozivikanwa zvikuru ndiwo $ 300,000. Mari yacho haingabhadhari chikamu chekuda kudarika chikamu chakataurwa. Nokudaro, vamwe vashandi vanogona kuunganidza chikamu chekubhadhara kwavanenge vachibhadhara. Zvisinei, hapana muganhu unoshandiswa kune zvikwereti zvemari yevashandi. Kutaura kwakadaro kunowanzobhadharwa zvakakwana.
Kuti ifukidzwe, zvinodaro zvinofanira kuitika kakawanda kana kuti zvisati zvaitika (kana mukati memazuva makumi matatu apfuura) zuva rekuraira kwekuregererwa. Kana hurongwa hwako huchapera mazuva makumi matatu apfuura, kugoverwa kwako kuchaguma pamagumo ako ekupera kwemazuva. Iwe unofanirwa kuwana kugoverwa kushandiswa kubva kune imwe inshurenzi nokukurumidza kuti udzivise kurasikirwa kusingabatsiri. Mari yehutendi hainyori mazano matsva.
Mhosva dzinogona kubhadharwa mazuva makumi matatu kusvika ku90 mushure mokunge kubudiswa kwave kuri kuziviswa. Vamwe vanoti kubhadhara kunotora nguva yakareba. Mhosva dzemhosva dzinowanzotora nguva yakareba kuti dzigadziriswe pane zvinodhaka zvezvinhu.
Nyika dzakawanda dzinorambidza mabhizimisi kutsvaga kugoverwa kubva kune guaranty fund kana mari yavo inokosha inodarika pasi yakatarwa, sa $ 25 mamiriyoni kana $ 50 mamiriyoni. Izvi zvinyorwa zvinobva pane pfungwa yokuti mabhizimisi akachengetedzwa zvakanaka ane mari iyo inogona kuwana mari dzisina kubhadharwa. Hazvidi kuti zvive zvakaenzana zvekudzivirirwa semabhizimisi maduku.
Unarned Premium
Dzimwe mari ye guaranty inopa reimbursement ye premium yakawanikwa. Unarned premium zvinoreva premium iwe wakabhadhara kugoverwa kwausina kugamuchira nokuti yako insurer haina insolvent. Somuenzaniso, fungidzira kuti yako yakasimba inopa $ 5,000 premium yemutemo unotangira kubva munaJanuary 1, 2017 kusvika munaJanuary 1, 2018. Wuri inshuwaridzi inonzi yakasvibiswa musi waJuly 1, 2017, uye mutemo wako unorambidzwa kushanda musi iwoyo. Iwe wakabhadhara mwedzi gumi nemiviri yekugoverwa asi wakagamuchira hafu chete iyo yakayerwa. Iwe unogona kukwanisa kubhadhara $ 2 500 muainarned premium kubva munharaunda yako ye guaranty fund. Mari dzakawanda dze guaranty dzinokonzera muganhu (zvakadai se $ 10 000) pahuwandu hwehuwandu husina kuwanikwa iwe unogona kuunganidza.