Anti-Assignment Chikamu
Muchidimbu ISO mitemo , anti-assignment sarudzo iri mune imwe fomu yakasiyana inonzi Common Policy Conditions. Iyi mitemo inoshandiswa kune zvese zvakabatanidzwa zvinowanikwa mumutemo. Somuenzaniso, kana mutemo unosanganisira bhizinesi yemabhizimisi , mutoro mukuru , uye zvekutengeserana zvivako zvepamusoro, anti-sarudzo clause inoshandiswa kune zvikamu zvitatu zvakavharwa.
Icho chinyorwa chine musoro wekutumira kwekodzero dzako uye mabasa pasi peNyaya iyi. Inosanganisira urongwa hunotevera:
Kodzero dzako uye mabasa pasi pegwaro iri hazvifaniri kuendeswa kunze kwemvumo yedu yakanyorwa kunze kwekufa kweumwe munhu anonzi inshuwarheni.
Iro-anti-clause clause inorambidza avo vanonzi bhizinesi kubva pakuendesa chero kodzero dzayo kana zvikwereti pasi pemutemo kune mumwe munhu pasina bhorensi mvumo. Izvo chete ndeyekuti uyo anonzi bhizinesi ndiye munhu (oga proprietor) uye iye anofa.
Basa rakabvumidzwa munyaya ino nokuti iyo chete yekutengeserana uye mumwe munhu ari mumwechete uye akafanana. Kana munhu wacho akafa, bhizinesi harigoni kurarama kunze kwekuti rakatengeswa kune mumwe munhu.
An anti-assignment clause inotarisirwa kudzivirira iyo inshurensi kubva pakuziva pasina njodzi dzisina kumbobvira dzichida kutora.
Vatengesi vezvebhizimisi vanoongorora bhizinishuwarenzi bhizinesi vanonyatsoongorora Vasati vapa mitemo, vanyora pasi vanofunga nezveruzivo uye ruzivo rwevadzimai vekambani nevashandi vehurumende. Kana bhizinesi richitengeserana kune mumwe munhu, vashandi vangave vangave vasina ruzivo kana kunyatsoteerera sekutanga. Kubva kune maonero emubatsiri, vatenzi vatsva havanzwisisiki.
Post-Loss Basa Rinotenderwa
Iri rinopesana neshoko rinoparadzanisa harisi kusiyanisa pakati pemabasa akaitwa musati warasikirwa uye izvo zvakaitwa pashure. Kunyangwe zvakadaro, matare munyika dzakawanda akabvumira policyholders kugovera kodzero dzavo kune imwe sangano mushure mekurasikirwa kwakaitika. Pre-kurasikirwa mabasa asiri kunorambidzwa. Heino muenzaniso wekutsvaga-kurasikirwa basa reinshuwarisi.
Victor anoshanda neresitorendi inonzi Vital Vittles kunze kwechivako chaanacho. Kwapera rimwe raJanuary usiku mapaipi emvura maviri muimba iyi yakaoma. Izvo mapaipi akazoputika, zvichikonzera kukanganisa mvura yakawanda kuimba yaVictor. Victor anomanikidzwa kuvhara dare rekudyara kusvikira kugadzirisa kwapera.
Victor anoshandira chikwangwani chinokuvadza chemvura chinonzi Rapid Restoration kuti agadzirise zvinoparadza imba yake. Anoudza kontrakta kuti anoda kuti kugadziriswa kwaitwa nokukurumidza sezvaanenge achishuva kuti adzorezve hotera yake.
Sangano rinotaura kuti kugadziriswa kunogona kuendeswa mberi kana Victor achiisa kodzero dzake pasi pechirevo chekudzorera Rapid. Sangano racho rinozoenderera mberi nekugadzirisa uye kutaurirana kugadzirisa kudai naVital Vittles 'yebhizimisi yemari yekuchengetedza. Victor anobvumirana nebasa racho uye kontrakta anotanga basa rokugadzirisa.
Kunyange zvazvo Vital Vittles ' yezvokutengeserana purogiramu yemabhizimisi ine chinyorwa chinopesana neshoko, Victor akapa kodzero dzake dzekudzorera rapid mushure mekurasika kwakaitika. Nokudaro, mune dzimwe nyika, mubhadhadzi weVictor haakwanisi kuramba basa (kutora mabasa ekurasikirwa mushure mvumo inobvumidzwa muhurumende yaVictor).
Zvinetso Nekugovera Kwezvipo
Mumakore achangobva kupfuura, kupiwa kwezvibvumirano (AOB) zvibvumirano zvave zvakaoma kune dzimwe nyika, kunyanya Florida. Vasinganyengeri vashandi vekambani vakambotarisa vagari vemhuri vasingatarisirwi uye vadzidzisi vemabhizimisi avo vakatambura nemvura .
Vamwe vekontrakiti vanoshanda voga apo vamwe vanoshanda mu cahoots nevatongi venhema. Chero zviitiko zvose, kontrakta inoita kuti policyholder ipe kodzero dzayo pasi pemutemo pamusoro pekontrakta. Mukonesi ndiye anowedzera kukosha kwekugadziriswa uye anounganidza mari yakakonzerwa kubva kune inshuwarisi. Iyo policyholder inosara nechishuvo chikuru pane kurasikirwa kwake. Kana chirongwa chacho chikapera, mubhadhari angaramba kuramba achichivandudza .
Muchienzaniso chakapfuura, Victor akapa kodzero dzake pasi pemutemo wekudzorera Rapid. Ngatitii Rapid Restoration inopedza hafu yebasa rokugadzirisa paimba yaVictor. Ikozvino mari inodarika $ 15,000 asi kontrakta inopa chikwereti kune inshuwarisi ye $ 30,000. Zvimwewo, kontrakta haatombotenderi chikwereti asi anotonga insurer ye $ 30,000. Chero zvazvingaitika, mubhadhadziro angaramba kubhadhara pamusana pekuti kontrakiti yaita urovhisi hwekubiridzira . Victor haagoni kupindira nokuti akasaina kodzero dzake kune kontrakta. Kana kontrakiti isingabudiriri mumhosva yayo pamusoro pe inshuwarisi, inogona kuda kubhadhara kubva kune kambani yaVictor.
Kudzivisa Matambudziko AOBs
Sezvo muridzi webhizimisi, unogona kudzivisa zvinetso zvinosangana neAOBs uye makontrakesi asina kunyora nokutora matanho anotevera:
- Rondedzera kurasikirwa chero kupi zvako kana njodzi zvakananga kune yako insurer (kana mujeri kana mutengesi ). Zivisai bhizimisi yako pakarepo. Usabvumira kambani kuti aite chiziviso chako.
- Tora zvifananidzo zvekukuvara.
- Usabvumira chero kambanikoni kuti atange basa kusvikira inshuwaridhe rakagadzirisa rave ranyora nezvekuparadzwa
- Vet makontrakete zvakakwana vasati vashandira. Iva nechokwadi chekuti vane mvumo yakakodzera. Kana nzvimbo yako yakatambura nenjodzi yemazuva ose, tarisa kuti uite zvakaipa .
- Usasayina AOB kunze kwekuti iwe wanyatsozviongorora. Kana iwe usingazvinzwisisi, bvunza vashandi vako, insurer, kana gweta kuti ubatsirwe.
- Kana mushandi wako asingakwanisi kuita chero basa kusvikira watyoresa AOB, tsvaga mumwe kambani.
AOBs mu Health Insurance
Basa rezvibvumirano zvibvumirano zvakajairika muhutano inshuwarhu. Varwere vanowanzobvunzwa kuti vabvumirane nezvikamu zvakadaro vasati vapiwa kurapwa kubva kuchiremba, kuchipatara, kana mumwe mupi wehutano. Basa rebatsiro clause rinoendesa kodzero yemurwere yekuwana zvikwereti pasi pehutano hwake hwehutano kune uyo anopa. Nokusayina chirongwa chacho, patent inobvumirana kuti zvikwereti zvichaitwa zvakananga kumubatsiri webasa rakapiwa. Icho chinyorwa chinotaura kuti murwere ndiye pakupedzisira ane mhosva yemhosva kana inshurensi isingakwanisi kuripa.
Kamwe kana kurapwa kwaitwa, mutapi anopa AOB pamwe chete nekutaura kumushandi wehutano wemurwere. Iyo inshuwarisi inopa mupi webasa rakapiwa murwere.