Muenzaniso
Ngatiti iwe uri muridzi webhizimisi. Iwe wakachengetedza chivako chekambani yako uye bhizimusi pfuma yako pasi pekutengeserana kweimba yekutengesa . Zvinosuruvarisa, moto wakapera mukuvaka kwako mwedzi mitatu yapfuura, zvichiita kuti $ 100 000 muzvivigiro zvepfuma.
Iwe hauna kukwanisa kugadzirisa chero chekuparara kwekuti iwe hauna kuwana mari kubva kune wako insurer.
Iyo kambani iri kushandisa nguva yekudzivirira nzira yekudzivisa kubhadhara. Pakutanga, iyo mumiririri akagara "achikanganwa" kukutumira mafomu ekutsvaga. Iye zvino mugadziri anoti anoda imwe uchapupu hwekurasikirwa. Iwe wakatumira chiratidzo che kurasikirwa kaviri kakato! Iwe wakatsamwa uye wakavhiringidzika newe insurer yako. Hakusi mutemo unodzivirira vatsigiri vekuchengetedza here kuita nenzira iyi? Mhinduro ndeyekuti hongu.
Vakawanda vehurumende vakagadza shanduro yemutemo wekufananidzira yakanyorwa neNational Association of Insurance Commissioners (NAIC). Uyu mutemo unonzi Izvo Zvisina Kurongwa Maitiro Ekugadzirisa Mutemo. Inodzivirira vanotengesa inshumo kubva mukusaita kusaruramisira nevanishuwarenzi mumatongerwo ekugadzirisa kudai. Izvo zvinoreva mutemo zvakasiyana kubva kune imwe nyika kuenda kune imwe nyika. Kusaruramisira Maitiro Okugadzirisa Maitiro Mabasa (UCSPA) inomanikidzirwa nehurumende yehurumende yemishuwarenzi.
Chinangwa cheMutemo
AUCSPA inogadza mitemo yekuongorora nekugadzirisa zvikwereti zvinomira pasi peinishuwarenzi mitemo kana zvikwangwani zve inshuwarisi . Mutemo unowanzoshanda kune mitemo yose kunze kweiyo inopa vashandi mari yekubhadhara , moto, uye magetsi ( kuparara kwemichina ), kuvimbiswa kwezvisungo kana kuvimbika kwekuvhara.
Vagadziri vehurumende vanotenda kuti inshuwarisi yavo yakakanganisa UCSPA yavo yehurumende inogona kukwidza nyaya yacho nebazi rehurumende yemishuwarenzi. Inishuwarenzi yevatongi inotsvaga zvipupuriro uye inotarisa kana iyo inshuwarisi yakaita kudarika. Vatsigiri vanoputsa mutemo vangave vachizviisa pasi pechipo kana chimwe chirango. Anishuwarenzi akaita zvisakarurama zvisingaiti angave akazviisa pasi pemitemo yakawanda.
Ndezvipi Zvinogadziriswa Zvisina Kuratidza Maitiro Anokumbira?
Heano mamwe marudzi ezviito zvinorambidzwa neUCSPA chaiyo. Yeuka kuti zvikamu zvakananga zvemurairo zvinosiyana kubva kune imwe nyika kuenda kune imwe.
Kunyengera kana kuchinja
- Kunyengedza zvinyorwa zvakakodzera kana mazano emitemo. Somuenzaniso, nzvimbo yako yekutengesa pfuma inotaura kuti Kuvaka Ordinance kugoverwa kunosanganiswa, asi iwe inshurensi unomira kuti kugoverwa hakubvumirwi.
- Kuita shanduko inokosha mune chikumbiro pasina kubvumirana kwako uye kugadzirisa kuda kwekuda kwekuchinja. Semuenzaniso, muchikumbiro chako, wakakumbira $ 50,000 muganhu weKushandiswa kweKushandura kweUtility asi wako inshuwarheni yakaderedza chikamu kusvika $ 10 000 pasina kukuudza. Iyo inshurensi inoramba kubhadhara mari inopfuura $ 10 000 nokuda kwekurasikirwa.
- Kugadzirisa zvinyorwa zvishoma kudarika zvaunotarisira kuti zvive zvichienderana neshoko rakanyorwa rakagamuchirwa iwe pawakapiwa chikumbiro. Semuenzaniso, chikwata chinoratidza kuti mitemo yako inosanganisira $ 50,000 muganhu wekukuvadzwa kunokonzerwa nechiganda . Chirevo chacho hachirevi kuti izvi zvinowanikwa chete kana iwe uchibhadhara premium yakawedzerwa.
Timeliness
- Kukundikana kupindura nokukurumidza kuhutano hwako pamusoro pezvikwereti zvakaiswa pasi pehurongwa hwako. Semuenzaniso, iwe wakatumira kudare mwedzi mitanhatu yapfuura asi usina kugamuchira mhinduro kubva kune inshuwarisi.
- Kukundikana kusimbisa kana kuramba kugoverwa mukati mekunge nguva yakatarwa mushure mekunge bhizinesi iri kupedza kubvunzurudza kwacho.
- Kusakwanisa kupa tsanangudzo nokukurumidza mushure mekuramba kugoverwa kana kupa kugoverana kwekugadzirisa
- Kukundikana kupa mafomu ekutsvaga munguva yakatarwa (yakadai semazuva gumi) zvekukumbira kwako
Kusarurama Kunodiwa
- Kupa zvigadziro zviduku, kukumanikidza kupomera mubhadhari kuti awane mari yaunokwereta
- Ichikukumbira kuti upe humwe hupupuriro hwemafomu ekurasikirwa uye kurasikirwa kwekurasikirwa, nokudaro kunonoka kubvunzurudza kutsvakurudza kana kubhadhara
Kusarurama Mabasa
- Kuramba kubhadhara zvikwereti pasina kuongorora zvakananga. Somuenzaniso, inshurensi yako inoramba kubvuma kwako kuparadza komoto pakuvaka kwako. Iyo inshurenzi inotaura kuti moto hauna kumboitika asi hapana mugadziri akashanyira nzvimbo yako.
- Kukundikana kuita nokukurumidza, kusagadzikana kwekugadzirisa kunyange iwe wakatumira chibvumirano chakanaka uye chikwereti cheshuwarenzi chakajeka.
Chii Unofanira Kuita?
Ngatiti iwe unofunga kuti inshuwarisi yako yakakanganisa UCSPA yako yenyika. Unofanira kuitei? Danho rokutanga nderekutaura nehurumende yehurumende yveshuwarisi. Mumiriri weDhipatimendi anogona kukuudza kuti mutemo unoshanda sei munharaunda yako uye kuti ungaisa sei kunyunyuta. Dzimwe nyika dzinobvumira vatsigiri vehurumende kuti vataure kusaruramisira kuda kushanda sechikonzero chekuisa rutendo rwakashata rwekutenda kune inshuwarisi. Nokudaro, iwe unogona zvakare kutsvaga gweta.