- UkuLawulwa kweMpahla (PDL)
- UkuKhuselwa koKhuseleko lwaBantu (PIP)
Uhlobo ngalunye lwe-coverage kufuneka libe nexabiso elincinci lokubhalwa kweedola ezili-10 000, kwaye zombini ukwahlula okubalulekileyo.
I-Insurance Damment Accountability (PDL)
Inkonzo yomshuwalense wokulimala kwipropati (PDL) ibandakanya nayiphi na umonakalo owe, ilungu lentsapho okanye omnye umntu ogqithiseleyo ukuqhuba isithuthi sakho kunokubangela ukuba ipropati yomnye umntu ngexesha lokuqhuba. Ukuba ugqiba ukuphela kwesithuthi somntu okanye ukuba ubuyisele ebhokisini lemeyile yommelwane wakho, umshuwalense we-PDL uza kubhawula umonakalo kwisithuthi esiphelile okanye siphendule ibhokisi lemeyile yommelwane wakho.
Nangona kunjalo, i-PDL ayiyi kuhlawula nayiphi na into eyonakalisa imoto yakho inokuba yenzeke kuyo nayiphi na le mibini. Ngenxa yoko igama elithi "uxanduva" egameni, njengoko i-inshorensi ikukhusela ekubeni unomthwalo wokulimaza ungabangela ingozi ngenye impahla kunye nomoto wakho. Umbuso waseFlorida awufuneki ukuba uqhube umgca wokuqinisekisa ukuba isithuthi sakho, nangona ngokuqinisekileyo sikhuthazwa.
Umshuwalense woKhuseleko loKhuseleko (Personal Injury Protection (PIP)
Inkohlakalo yokhuseleko lokuzilimaza (PIP) yakho ihlanganisa wena, amalungu omndeni wakho kunye nabantu abagibela imoto yakho ngaphandle kwemoto ebhalisiweyo kwaye ngaphandle kwe-PIP, xa kwenzeka ukuphazamiseka.
Inkcazo ye-PIP isebenza kubo bonke abaqeqeshiweyo kungakhathaliseki ukuba bayiphosiso (obangele ukuphazamiseka okanye ukulimala) kwaye kuthiwa yi-inshuwalense yaseFlorida ayikho isohlwayo. Wonke umntu onesithuthi kufuneka athathe ipolisi ye-PIP ngobuncinane bokuhlawula i-$ 10,000. I-PIP ayisebenzisi nje ekuphazamiseni imoto kodwa kwezinye iziganeko ezibandakanya:
- Abahambahambayo benzakele ngezithuthi
- Iibhayisikili zenzakaliswe ziinqwelo
- Abantwana belimale kwiibhasi zesikolo
Olunye uhlobo lwe-inshurensi, i-inshorensi yokulimala emzimbeni (BIL). Le nkonzo yomshuwalense ayimfuneko yombuso, inamanani angaphezulu okubhengezwa kunye nama-premium aphezulu. Nangona kunjalo, i-BIL iyanciphisa uxanduva lwakho ukuba wena okanye omnye umntu ogqithiseleyo ukuqhuba imoto yakho yimbangela enkulu yengozi.
Ingadinga i-inshorensi ye-Bodily Liability (BIL) enye indlela iFlorida eyahlukileyo ngayo kwezinye iindawo ezininzi. Kuphela elinye ilizwe elizweni, eNew Hampshire, alufuni abaqhubi ukuba baphathe umgaqo-nkqubo nge-BIL. Ukuba unayo nayiphi na uhlobo lweefa ezinkulu, kuquka ukuhlala kwakho okuphambili, qwa lasela ukongeza i-BIL coverage ukuzikhusela. Ubuncinane bokubhengezwa kwelizwe akuyi kukukhusela ngengozi enkulu.
Kutheni i-No-Fault Insurance inikezelwa
IFlorida enye yezinto ezimbalwa zelizwe ezingenamthetho-mthetho. Imithetho ye-inshorensi engekho-ntlawulo yamiselwa ukugcina ii-premiums zenyanga ngokukhawuleza ukuhlawula ngokukhawuleza egameni labaqhubi abaphosakeleyo kunye nokuphepha ukugwetywa kweendleko ngokukhawuleza.
Xa kuziwa kwiibango zonyango eFlorida, i-10k yokuqala yokunika ingxelo iza kuvela kumgaqo-nkqubo wakho womshuwalense wemoto kungakhathaliseki ukuba ubani ophosakeleyo.
Ngokukhulu ngenxa yokungabi namthetho ephosakeleyo, iinkampani ezithengisa i-inshurensi yemoto eFlorida zinokunikela ngeeprayimari ezingaphantsi kwamaxabiso angamazwe. Nangona kunjalo, abagxeki bemithetho engekho iphoso bathi imithetho ikhusela abaqhubi abaphosakeleyo kwii-lawsuits ezingabangela ukulahlekelwa kwexabiso elikhulu kakhulu, oko kubangele ukuqhubela phambili ukuqhubela phambili. Uphononongo oluthambileyo olupapashwe yiYunivesithi yasePennsylvania luqinisekisa ukuba akukho mithetho yomshuwalense ye-inshorensi ekhokelela ekuphuzeni xa uqhuba, iziganeko ezinkulu zokukhawulezisa kunye nokunyuka kwamazinga amaninzi.
Ngaphandle kweengxaki zokuphepha, abaninzi banokugxeka inkqubo yeFlorida yokungenasiphelo kuba ixhaphazwa rhoqo. Ukuhlawula okukhawulezayo kwePIP kufuneka kukhokele kwiimeko apho iikliniki zezokwelapha zenza okanye zonyanise ukulimala ukufikelela kwi-R10 000.
Isebe laseFlorida leNkonzo zezeMali lifumana amacebiso amaqhinga okukhwabanisa i-PIP kwaye yenza amakhulu amabanjwa abanjwe ngonyaka.
Ukuhlaziywa nguEmily Delbridge