Ndekupi kuregererwa kwechikamu chechikamu?
Kuregererwa kwechikamu chechikamu chechikamu chechikamu chechikamu chinenge chiri mugvumirano inoda kuti rimwe boka risiye (rega) kodzero yake yekuisa pasi kune imwe sangano.
Iyo ndima inoda kuti Chikamu A chikanganise kodzero yayo yekutsvaga kugadziriswa kwekurasikirwa neChechi B. Nokusainira chibvumirano, Chechi A inopikira kuti ichange isingadi kubhadharwa neChishanu B kana Party A inotambura kurasikirwa kweChipiri B inotarisirwa.
Kana iwe uchitambura kukuvara kana kukanganisa kunokonzerwa nenjodzi inokonzerwa nemumwe munhu, une kodzero yekutsvaga mubhadharo wekurasikirwa kwako nekupomera mutungamiri. Kana bhizimisi yako yakakupa chikwereti chekurasikirwa, kodzero yako yekupomera chikamu ichocho chinotumirwa kune insurer yako. Iyo inishuwarenzi inogona kumhan'arira mutungamiri kuti awane mari yekurasikirwa kwayo. Zvisinei, kana wakasiya kodzero yako yekuisa pasi pepati iyo, hapana kodzero dzinoendeswa kune yako inshuwarisi. Muchengetedzi wako haagoni kupomera sangano iroro kuti riwane mari yekurasikirwa kwayo.
Waivers Pasi Chekodzero, Auto uye Vashandi Kupa Mubayiro
Ichi chinyorwa chichatsanangura kuti kutsvaga kwekugadziriswa kunoshandiswa sei mumutoro mukuru , mutengo wemabhizimisi uye vashandi remari yveshuwarenzi.
Waivers of subrogation pasi pekutengeserana pfuma mitemo inotsanangurwa munyaya yakasiyana .
Liability Coverage
Waivers of subrogation inoshandiswa mu inshuwarisi yemhosva yekusimbisa kuendeswa kwehutano kubva kune rimwe bato kune imwe mune kontrakiti. Kana Mutungamiri X akafunga kuti aine chikamu chePato Y mune kontrakiti, Party Y inogona kushandiswa kurega kuzvidzivirira kubva pamagariro evanhu vanokonzerwa neChits X.
Heano muenzaniso.
Abacus Inc. is a computer consulting company. Mumwe weVaAcuscus's main customer is First Financial. Abacus vasaina chibvumirano chave chakatora mhosva kune chero zvipi zvayo zvinopikisana neChishanu Chekuita kwekukuvara kwemuviri kana kuparadza kweimba inobva kuAbacus 'work for First Financial.
Rimwe zuva mushandi weAbecus ari kuita chigadziro chekuchengetedza paSte Financial's main server. Mushandi akaisa tsanga dzakapoteredza server nzvimbo. Steve, a First Financial customer, ari kufamba nharaunda iyo paanenge achifamba uye owira pamucheka. Steve anokuvadza musana wake uye anokonzera mhosva pamusoro peVaAcuscus. Anoti mushandi weAvacus akashandisa tambo pasina hanya uye kuti kusaremekedza kwevashandi kwakamukonzera kukuvara.
Elite Inishuwarenzi, Abacus 'gwaro guru rekuchengetedza mari, inopa Steve kuda. Iko zvino inokwidza mhosva kune First Financial. Elite Inishuwarenzi inotaura kuti First Financial yakanga isina hanya mukubvumira vatengesi pedyo apo VaAkcus vakanga vari kushanda. Kutanga kweChechi kwekuregererwa kwakakonzera kukuvadza kwaSteve. Kunyange zvazvo vaAkcus vasingatsvaki bhizimisi yavo kuti vape mhosva yekakosha, haigone kudzivisa mhosva. Iyo inshuwarisi yakabhadhara kudai kuAxcus panzvimbo. Nokudaro, inofunga kuti vaAccus 'vane kodzero yekuisa rusununguko pamusoro pekutanga kweChechi.
Waiver of Subrogation pasi peGeneral Liability
Chokutanga Mune Zvemarikiti zvingave zvakadzivirira chikamu chechikamu chechipiri chaVaAcuscus 'chibhadharo chemhosva. Apo yakanyora chibvumirano chayo neVaAkcus ingadai yakakumbira VaAkcus kuti vasave nekodzero yekupomera First Financial.
Yakawanda mitemo yemitemo ine mamiriro ezvinhu anokurambidza kubvisa kodzero dzako dzekuregererwa mushure mekurasikirwa kwakaitika. Ivo vanowanzove vanyarara pavanenge vachirasikirwa vasati varasikirwa. Unyanzvi, haungapeseri mutemo wemitemo kana iwe uchinge wapinda musati warasikirwa nekurasikirwa uye usati uudza wako inshuwarisi. Kunyange zvakadaro, bhizimisi vanofanirwa kuziviswa nezvakadaro. Uyezve, bato rinokumbira kubhadhara rinogona kukumbira kuti iwe uwedzere kuregererwa kwekubvumirana kwechirongwa chepamusoro pamutemo wako wemhosva .
Iko kune maitiro maviri ezvinyorwa zvinotsigirwa zvinoshandiswa pamatongerwo emitemo, zvarongwa uye bhandi.
Chirongwa chinorongwa chinotaura kuti iyo inshuwarisi haichazopomera sangano rakanyorwa mubvumirano kana iwe wakasiya kodzero dzako dzekumupa mhosva. Kubvumirwa kwembatya kunobatanidza kupararira. Inowanzoti kana iwe wakabvumirana muchibvumirano chekuregedza kodzero yako yekupomera mumwe munhu, iyo inshuwarisi haigoni kupomera sangano iroro.
Commercial Auto
Mitemo yekutengeserana yekutengeserana ine "kutora kodzero dzekuwanazve" chirevo chakafanana neicho chiri chekutonga . Iri gwaro rinorambidza kurasikirwa kwekurasa kurasikirwa chete. Izvi zvinoreva kuti iwe unogona kurega kodzero yako yekupomera mumwe munhu muchibvumirano usingatauri wako auto insurer. Kunyange zvakadaro, sangano rakakumbira kuregererwa rinogona kukumbira kuti iwe uwedzere kubvumidza kubhadhara yako motokari yako. Zvakare, mubhadhadzi wako anogona kuwedzera chimwe chinhu kana bhandi rekuchengetedzwa kwebvumirano kumutemo wako.
Vashandi Vemari
Mutemo we NCCI mushandi wekubhadhara unhu unoshandisa chikamu chechikamu chinonzi Recovery From Others. Inoti iyo inshurenzi ine kodzero dzako, pamwe nekodzero dzevashandi vako vane kodzero yekubhadhara vashandi, kubhadhara mari kune mumwe munhu ane mhosva yekukuvara. Ichocho ndechekuti iyo inshuwarisi yako inobatsira munhu akakuvara uye imwe sangano inokonzerwa nekukuvara, wako insurer anotora kodzero yako uye yevakukuvadzwa kwako, kuti asunge chikamu ichocho kuti adzorere kukosha kwezvakabhadharwa.
Somuenzaniso, fungidzira kuti Susan, mushandi weAbacus, akakuvara kana tile isina kushandiswa yakawira pamusoro pake paanenge achishanda paSefe First Financial. Anowana rubatsiro pasi pehutungamiri hwevashandi vehurumende. Abacus 'worker's compensation insurer ndiye anotonga First Financial. Iyo inotaura kuti hurumende yakashata yekugadzirisa maitiro yakaita kuti Susan akuvadze. Iyo inishuwarenzi yaifunga kuti Susan ane kodzero yekupomera Sokutanga Kwemari kuitira kuti inogona kuwanazve mari yezvaibhadharwa kwaari.
Iye zvino fungidzira kuti kubvumirana pakati pevaAkasi neKutanga Kwemari kunoda VaAkcus kuti vasave nekodzero dzavo dzekutengesa First Financial. Kana VaAkasi vakasiya kodzero dzavo dzekudzikinura, iyo insurer haigoni kutsvaga First Financial. Iyo inshurensi haigone kuwana mari yekubhadhara kwevashandi mari yaibhadharwa kuna Susan.
Kushandurwa kweiver kunenge kusingagoni kudzivirira mushandi akakuvadzwa kubva pakushora munhu wechitatu. Ngatitii Susan (mumuenzaniso wekare) akawana vashandi mari yekubhadhara kubva kuAccus 'insurer. Anobva atanga Kutanga Kwemari kwekukuvara kwemuviri. Anotaura kuti First Financial yakakundikana kuchengetedza nzvimbo yebasa zvakanaka uye kusakundikana kwayo kwakabatsira kumukuvadzwa kwake.Ipapo anotora First Financial nokuda kwekukuvadzwa mumuviri. Anotaura kuti First Financial yakakundikana kuchengetedza nzvimbo yaro yekushanda zvakanaka uye kusaregererwa kwayo kwakabatsira pakukuvara kwake.
Kana Susan achiwana zvakakonzera kubva kune First Financial, angave achida kubhadhara vaAscus 'insurer nekuda kwezvaakawana. Izvi zvinodzivirira Susan kubva "kudarika kaviri" (kuwana kugona kaviri kwekukuvara kamwe). Kana VaAkasi vakasiya kodzero yavo yekupomera First Financial, zvisinei, iyo inshurenzi inogona kudziviswa kubva kutsvaga kubhadhara kubva kune kambani. Kubviswa kwacho kuchaita kuti Susan ave "kuvhara kaviri."