Uthutho lweeNkcitho eziNobungozi

I-HAZMAT Insurance

Ngokwamasebe aseMelika wezoThutho kunye noRhwebi, kukho iithoni ezili-1.5 ezigidi zezinto eziyingozi ezithuthwa ngonyaka ngamnye eUnited States okanye ngeloli, ukuqeqesha, ngesikebhe okanye ngeenqwelo. I-HAZMAT ingumfanekiso wezinto ezinobungozi. Amaziko amaninzi aseburhulumenteni afana neSebe lezothutho (iDOT), i-Occupational Safety and Health Administration (OSHA) kunye ne-Arhente yokuKhuselwa kweNdalo (EPA) ineemimiselo malunga nokuthuthwa nokulahlwa kwezixhobo ezinobungozi.

Kwababandakanyekayo ekuthuthiseni izinto ezinobungozi, oku kuphakamisa ingozi ekhethekileyo kwaye kutheni kukho inqobo yomshuwalense nkqubo wokuthutha izinto eziyingozi. Ngokuxhomekeke kwizinto eziphathekayo ezithathayo, ezi zimeko ezahlukeneyo zedolophu zineemimiselo eyahlukeneyo malunga nokuthuthwa kwezixhobo ezinobungozi.

Ukuthuthwa kwezixhobo ezinobungozi kubangele ukukhathazeka okukhuselekileyo kwendlela yokuziphatha. Enye yezinto ezixhalabisayo kukukhutshwa kwezinto ezinokungcolisa okanye ukulimaza abo baqhagamshelana neziyobisi ezinobungozi. Ezi ziphazamiso zingabangela umlilo, ukuqhuma kunye nokukhutshwa kwefayibhile. Khawucinge nje ngeendleko zokucoceka kunye nezinye iimonakalo ezinokuthi zenzeke ukuba i-tanker egcwele izinto ezinobungozi yayiza kuqhutyelwa kwindlela ematasa. Ngoku, zama ukucinga ngokugubungela ezi ndleko ngaphandle kokugqutywa yi-inshurensi.

Ziziphi izinto eziyingozi?

UNobhala wezoThutho uye uchaza izinto ezinobungozi ngokuthi "nayiphi na into eyenza ingozi engenangqiqo yokuphulukisa nokukhusela okanye ipropati." Abantu abaninzi bayazibona izinto ezinobungozi eziqhelekileyo kodwa ungaziqapheli ezinye iintlobo zeempahla ezinobungozi.

Nazi ezinye iintlobo zezinto ezibhekwa njengengozi xa zihamba:

• Iiproleum Products
• Propane
• Dynamite
• UkuCoca iiMveliso
• I-Adhesives
• Paint
• Iikhemikhali ezinetyhefu
• Gesi ezinokutsha
• Umquba
• Amachiza
• Umhlaba okanye iMveliso

Izibalo kunye neNyaniso ezibandakanya iilori eziphethe izinto eziyingozi

Ukuba uyinkampani okanye umqhubi obandakanyekayo ekuthuthweni kwezixhobo ezinobungozi, kukho izinto ezithile ezibalulekileyo kunye neenkcukacha ezifunekayo ukuba ubeke ingqwalasela njengoko kuchazwe yi-Ofisi ye-Federal Motor Carrier Safety Administration yoLawulo loLwazi, ngokugqithise ngakumbi ukubaluleka kokuthwala impahla eyingozi izinto zokuthutha iinshurensi.

• Kwiminyaka ka-1980 ukuya ku-1990, inani lamanani lamatriki amakhulu athatha izinto eziyingozi ezibandakanyeka ekuphazamiseni okubulalayo kwaba ngu-225 ngonyaka.
• Ukuphazamiseka okungabhubhi okubandakanya iilori ezinkulu eziphethe izinto ezinobungozi ngexesha elifanayo lilinganiselwa kuma-6,000 ngonyaka.
• Ukuthuthwa kwee-akhawunti ezinokutsha ezinokutsha malunga nesigamu sazo zonke iziphazamiso zerori ezibulalayo ezibandakanya izinto eziyingozi kwiminyaka ka-1991 ukuya ku-2000.

Iimfuno Zomshuwalense

Izinto ezinobungozi bezixhobo ezijongene neentlawulo ze-inshorensi kwaye kufuneka zinike i-inshorensi yemfanelo rhoqo phakathi kwe-$ 1 yezigidi kunye ne-$ 5 yezigidi ngokuxhomekeke kwimithwalo. Ukuba ngabadumi bezithuthi abaqinisekanga ngokuhlelwa kwempahla, bafanele baqhagamshelane nomthumeli owanikezela impahla okanye abuke iinkcazo zempahla enobungozi kwimigaqo engqongqo phantsi kwe-49 CFT 177. Ukungaphumeleli ukuthobela iimfuno ze-inshorensi zokukhupha izinto ezinobungozi kunokubangela ukuba izigwebo zomntu kunye neentlawulo kunye nokuvalelwa kwintlanganiso.

Ukuhamba kwakho kwezinto ezinobungozi kumgaqo-nkqubo womshuwalense uquka uxanduva loku:

• Ukulayishwa nokulayishwa kweMpahla
• Ukuhanjiswa kwangaphakathi
• Ukungcola koMsebenzi ococekileyo
• Ukunyuka kokuhamba

Kuphi ukuthenga i-HAZMAT Insurance

Ukuba ungumlawuli wezinto ezinobungozi, unokuzibuza ukuba unokufumana phi i-inshorensi.

Ukuba ummeli wakho we-inshorensi ulawula ukuthengiswa kwezorhwebo, uya kuba netengiso lezorhwebo elinika inshuwalense yeHAZMAT. Kukho abathengisi bomshuwalense kunye nabathwali abanikezela ngezothutho lwezinto eziyingozi (i-HAZMAT) Umgaqo-nkqubo we-inshurensi kubandakanya:

• I-ACE Insurance Hazmat Isithuthi
• I-Insurance Colonal Hazmat Truck
• I-inshurensi yendalo yendalo

Indlela yokufumana ulwazi olungakumbi malunga nokuThuthwa kweeMveliso eziNobungozi

Unokufumana ulwazi olongezelelweyo malunga nokuthuthwa okukhuselekileyo kwezixhobo ezinobungozi ngokuphonononga imigaqo efumaneka kwiSebe leThutho leSebe lezokuThuthwa kweSebe lase-United States kunye nakwezinye izixhobo ezibandakanya idatha kunye neenkcukacha, iinkcukacha, malunga nokulandelwa kweziganeko, inkqubo yokupaka imipayipi kazwelonke (NPMS). ), ukucwangcisa kunye nokuhlalutya, iifom kunye nezinye izixhobo zolwazi.

Ezinye izixhobo ezincedo zibandakanya i-Federal Motor Carrier Safety Administration enika izixhobo zokuqeqesha ekujonganeni nezinto ezinobungozi kwiphakheji ye-bi-lingual kwakunye neencwadana zolwazi ezinxulumene nemigaqo-nkqubo yezinto ezinobungozi. Ukhuseleko oluphezulu / ukubhaliswa kunye nezibonelelo zelayisenisi kubaqhubi ababonelelwe ziquka imfundo yokukhusela umqhubi, iifom zokuhlolwa ngokomzimba, ulwazi lokusetyenziswa kweziyobisi / utywala, ukukhusela i-rollover, ulwazi lokubhalisa kwilayisenisi yokuqhuba ishishini, iimfuno zoqeqesho lwezonyango zomqhubi wezokwelapha, izaziso zokuxolelwa kwezokwelapha ulwazi malunga nokushayela okuphazamisayo / ukuvalwa kwefowuni.