Yiyiphi i-Personal Liability kunye nePropati yePropati?

Uxanduva lomntu kunye nokulimala kwePropati

Ixesha eliqhelekileyo eligqityiweyo yomshuwalense wemoto yi-PLPD. Kwiimeko ezininzi, eli gama lisetyenzisiwe ngaphandle kokwazi ukuba yintoni ebonakalayo kunye nendlela ekubhekiselele ngayo kwi-insured. "I-PLPD" imele uxanduva lwaBantu kunye neNdawo yokuLawulwa kwePropati, kwaye i-PLPD yokukhawulela ngokuyisiseko isiswini esingenalutho esisisigxina somthetho kwiindawo ezininzi. I-PLPD yinxalenye ebalulekileyo ye-inshurensi yemoto. Ukwazi ukuba yi-PLPD, ngaphaya kwelokho limelele, lingakusindisa uninzi lokudideka kunye nokuphazamiseka xa unake ngengozi.

Ukuqonda okungcono ukufihla imali kunokukugcina imali kwi-inshurensi .

I-PLPdi ngamanye amaxesha ihlelwe phantsi kwiindidi ezimbini ezihlukeneyo zokuxhaswa: i-PL, icandelo lomthwalo womntu, kunye ne-PD, umonakalo womonakalo wepropati. Ukuba yeyiphi na inqaku lokukhawulela, kufuneka ukuba ube yindawo ephosakeleyo kwingozi. Izidumbu zenziwayo azisebenzi kumntu okanye umonakalo wepropati; Nangona kunjalo, ukuba unetyala ngengozi, ireyiti yakho yomshuwalense iyaqiniseke ukuba iya kunyuka. Kodwa ubuncinane awuyi kuba nexhala malunga ne-deductible kumthwalo okanye umonakalo wepropati uhlobo.

PL = Uxanduva lwabantu

Ukunganakwa okanye ukuphosa kwengozi echaphazela isithuthi kukunika uxanduva malunga nemonakalo obangele. Umthwalo wobuqu unokubambisa ukulimala komnye umntu, intlungu kunye nokubandezeleka xa ufunyaniswa ukuba unetyala. Ukubhengezwa kwamatyala kubhalwe njengengxube, njengama-20,000 / 40,000, kwi-inshorensi yakho kwaye ikwabizwa ngokuba yi-Bodily Injury.

Inombolo yokuqala kwiqhezu ixabiso elipheleleyo elihlawulwa ngumntu ngamnye. Inombolo yesibini kwiqhezu yinto ephezulu yokuhlawulwa ngengozi. Ukuba abantu abaninzi bengozi ngengozi, kuqala kuqala ukukhonza-okuthetha ukuba ngubani na ofaka ifowuni yokuqala unethuba lokuqala kumda okhankanywe.

Inani elikhulu lihlawulwa ngabantu bonke / ubuninzi obuhlawulwayo ngengozi

Kubalulekile ukuqonda ama-maxum kwikhadi lakho le-inshurensi kwaye baya kuthini ukuba batheni ukuba imeko yakho yezemali iyintoni na ukuba ufumana ingozi. Nangona iipolumu ziyi-plail kwinto enkampani yomshuwalense kuyakufuneka uyihlawule, abantu abalimele ngenxa yokuqhuba kwakho nabo banokuzama ukubeka uxanduva lwakho.

Umzekelo: UJohn uthumela imiyalezo kunye nokuqhuba, kwaye akaqapheli ukuba ukukhanya kubomvu. Uqala emva kwesinye isithuthi kunye nabagibeli abane. Bonke abagibeli abane banokulimala kancinci. Umda wokuzibophelela kukaJohane u-100,000 / 300,000. Umgibeli ngamnye ulandela inkampani ka-John ye-inshurensi i-$ 20,000 isiqwenga ngenxa yentlungu nokuhlupheka. Ngamnye unikezelwa ukulungiswa ngenxa yokuba uJohn wafunyanwa ephosakeleyo kwaye inani elilandelwayo liwela phantsi kwezikhokelo ezingaphantsi kwe-100,000 ngomntu kwaye kungabi ngaphezu kwama-300 000 ngengozi. Ukuba imida iyadlula, abafaki zicelo banokulandela uYohane.

Umzekelo: Cinga nje imeko efana neyasentla kodwa uYohane amathambo enye enye imoto ehamba phakathi kwendlela. Abagibeli abane bayalimala kakhulu. Umda wokuzibophelela kukaJohane u-100,000 / 300,000.

Umgibeli ngamnye ulandela inkampani ye-inshurensi kaYohn ukuze ihlawulwe i-$ 100,00 kwiindleko zonyango kunye nentlungu kunye nokuhlupheka. Ingxaki kukuba, umgaqo-nkqubo uya kufikelela kwi-$ 300,000 yengozi. Abantu abane bayalimaza ngamnye umntu ofuna i-100k enezela kuma-400,000. Lo ngumzekelo nje kwaye unokusebenza ngeendlela ezininzi. Ilungu lesine elenzakele ukufaka ifowuni inokuthi lishiye ngaphandle kwithuba lokuqokelela kwi-inshurensi yemoto yomshuwalense kaYohane. UJohn akanakho ukukhawuleza ngokukhawuleza ukukhawuleza umonakalo kwaye unokuthi ulandelelwe kwaye unikwe uxanduva.

Iimbopheleleko zabanye Amaphuzu aphambili:

• Umlinganiselo ngowomnye umntu, kungekhona wena.
• Umlinganiselo omncinci wombuso uyahluka, ngoko jonga ummeli wakho we-inshorensi.
• Imida ekhethiweyo yi-100,000 / 300,000.
• Ufuna imida ephezulu? Hlola umgaqo- mboniso .

• UMichigan unemithetho eyahlukeneyo malunga nokulimala.

PD = Ukulimala kweMpahla

Ukuba ubangela umonakalo kwipropati kwisithuthi sakho, njengesinye isithuthi, isibonakaliso sesitalato, ibhokisi leposi, okanye nayiphi na enye into enjalo, i- cover will be provided under damage damage. Izingozi zenzeke ngoko umonakalo wepropati kufakwe kuzo zonke iinkqubo zomshuwalense wezithuthi . Ukuxhaswa ngokuqhelekileyo kuboniswe ngqo kunye noxanduva lomntu siqu 100,000 / 300,000 / 100,000. I-100,000 yokugqibela ngumda wokulimala komhlaba.

Umzekelo: UJohn uhlawula iqhosha leqhwa kunye neeslayidi kwindawo yepaki ecaleni kwendlela. Ukulimala kwinqwelo ephakamileyo iya kugutyungwa phantsi komonakalo womonakalo wepropati kwimigaqo yomshuwalense wemoto . Isithuthi siya kulungiswa ngaphandle kwerhafu.

Ukulimala kwePropati Amaphuzu aphambili :

• Ukukhupha impahla kwabanye abonakaliswe yisithuthi sakho
• Umlinganiselo omncinci wombuso uyahluka, jonga ummeli wakho we-inshorensi.
• Umda oqhelekileyo 100,000
• Ubungakanani obongezelelweyo (kungekhona kuwo wonke amazwe)
• Ukulimala kweMetro Tort okanye yePropati yeMpahla
• UkuKhuselwa koKhuseleko
• Umngcipheko Wokufa Ngengozi
• Khuselo lweMpahla

Nabani na othabatha ixesha lokufunda ngokwenene umgaqo-nkqubo womshuwalense usengozini yokufumana intloko. Imboniselo yoshishino kunye neenkcukacha eziyinkimbinkimbi zikhangele umgaqo-nkqubo ngokungenakwenzeka kumqhubi ophakathi. Ukuba awujongani negama lomshuwalense imihla ngemihla, kunzima kakhulu ukuhlala phezulu kwezomthetho. Kodwa ngoku, ngokuzayo xa uva i-PLPD ibinzana, uya kuqonda ngokucacileyo ukuba yintoni ukukhutshwa kunye nendlela ekukhusela ngayo.