Puas yog hluav taws kev lav phib xaub zoo ib yam li kev puas tsuaj rau cov tsev xauj tsev?

Video: Puas yog hluav taws kev lav phib xaub zoo ib yam li kev puas tsuaj rau cov tsev xauj tsev?

2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29

Npog Kev Cai Lij Choj Tsuas yog

Cov hluav taws puas tsuaj kev pab them nqi uas tau muab rau hauv qab no Kev puas tsuaj Rau Cov tsev xauj Rau Koj tsuas siv yog tias koj yog raug cai raws cai rau cov puas . Ntawd yog, cov hluav taws puas rau koj xauj (los yog nyob) thaj chaw yuav tsum tau tshwm sim los ntawm koj negligence.

Hauv txoj kev no, dab tsi yog qhov puas tsuaj rau thaj chaw xaum rau koj qhov kev pov hwm?

" Kev puas tsuaj rau thaj chaw uas tau qiv rau koj " - ib qho ntawm qhov txwv ntawm kev lav phib xaub tau teev tseg los ntawm tus txheej txheem kev lag luam dav dav lav (CGL) txoj cai; nws siv rau puas los ntawm hluav taws rau tsev xauj rau tus neeg tuav pov hwm thiab puas txawm yog ua rau thaj chaw (suav nrog cov ntsiab lus) nyob ntawm tus neeg pov hwm rau 7 hnub lossis tsawg dua.

Tsis tas li ntawd, daim ntawv them nqi raug cai yog dab tsi? Daim Ntawv Thov Kev Pabcuam Raws Cai - cov Kev pov hwm Services Office, Inc. (ISO), coj mus muag khoom kev pab them nqi kho mob (CP 00 40) uas muab kev pab them nqi rau sums tus insured yuav tsum tau them raws li qhov tshwm sim ntawm kev puas tsuaj los ntawm ib tug npog ua rau poob rau lwm tus khoom vaj khoom tsev nyob rau hauv lub insured txoj kev saib xyuas, saib xyuas, los yog tswj (CCC).

Tom qab ntawd, puas yog kev lav phib xaub raug lav ris hauv qab lub kaus?

Cov khoom puas tsuaj hauv qab ib txoj cai CGL npog kev puas tsuaj rau 'lwm qhov' ntawm lub tsev uas tsis nyob los ntawm tus neeg xauj tsev poob ntawm hluav taws vim yog tus tswv lag luam (tus neeg xauj tsev) tsis saib xyuas. Cov kaus txwv, txawm li cas los xij, tsis mus dhau qhov hluav taws kev lav phib xaub txwv, uas tuaj yeem tsim teeb meem.

Leej twg them nyiaj pov hwm tsev rau xauj vaj tsev?

Daim ntawv xauj tsev yuav tsum hais qhia leej twg yog tus saib xyuas kev npaj thiab them rau vaj tsev pov hwm . Nrog rau feem ntau xauj tsev, tus tswv tsev npaj thiab them rau vaj tse pov hwm tab sis tom qab ntawd hla tus nqi (lossis qhov tsim nyog sib faib, hauv thaj chaw sib koom) txawm yog ib feem ntawm qhov kev pabcuam them nqi lossis raws li tus nqi tshwj xeeb.

Pom zoo:

Kev tuav pov hwm kev lav phib xaub lav tsheb yog dab tsi?

Garagekeepers Legal Liability insurance muab kev tiv thaiv nyob rau hauv rooj plaub uas lub tsheb puas los ntawm hluav taws, tub sab nyiag, kev tsim txom lossis kev sib tsoo. Nws tiv thaiv tus neeg siv khoom lub tsheb thaum koj khaws nws ntawm qhov chaw them rau kev nres tsheb lossis khaws cia, lossis ua haujlwm

Dab tsi yog qhov sib txawv ntawm qhov kev lav phib xaub hauv tsev thiab kev lav paub dav?

Yog tias tus neeg siv khoom plam thiab poob rau hauv qhov chaw pabcuam hauv av, kev lav phib xaub yuav tuaj nqa qhov xwm txheej no. Kev lav ris rau tsheb, ntawm qhov tod tes, nthuav dav txoj cai kev lav phib xaub dav dav rau cov tsheb uas tau siv nyob hauv thaj tsam ntawm kev lag luam, lossis uas yog nyob hauv kev saib xyuas, saib xyuas, thiab tswj hwm koj lub lag luam

Puas yog qhov kev lav phib xaub puas siv rau kev ua phem ua phem?

Tus Neeg Ua Haujlwm Tsis Txaus Siab rau Cov Neeg Ua Haujlwm 'Intentional Torts: Ib Qhov Zoo Tshaj Plaws Deterrence Framework. Cov teeb meem kev lav phib xaub niaj hnub niaj hnub no feem ntau hais txog kev lav phib xaub ntawm cov tuam txhab thiab cov tsev haujlwm uas cov neeg sawv cev tau cog lus ua phem

Qhov sib txawv ntawm kev lav paub lub kaus thiab kev lav phib xaub ntau tshaj yog dab tsi?

Lub Liab Liab yog txoj cai tsim los tiv thaiv tus tuav pov hwm los ntawm qhov muaj peev xwm "loj" poob. Umbrella kev pab them nqi yog ib hom Excess Liability, uas tsuas yog siv rau cov kev txwv ntxiv. Muab cov kev txwv ntxiv rau tus neeg pov hwm thaum lawv cov cai hauv qab txoj cai txwv tsis pub dhau los ntawm kev thov them nyiaj ntawm qhov tshwm sim