Video: Hom kev tuav pov hwm yuav tsum muaj tus tswv tsev li cas?
2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29
Ua Kuv xav tau tswv tsev ' kev pov hwm ? Ib txhij cov tswv tsev 'txoj cai tuaj yeem suav nrog tus lej muaj txiaj ntsig zoo, xws li cov tsev kev pov hwm , kev puas tsuaj npog npog thiab kev tiv thaiv nyiaj txiag tiv thaiv kev poob ntawm kev xauj tsev. Cov tswv tsev ' kev pov hwm tsis yog qhov yuav tsum tau ua, tab sis qee cov qiv nyiaj ua rau nws xav tau ntawm kev yuav khoom-rau-cia qiv nyiaj.
Ua kom pom qhov no, hom kev pov hwm twg yuav tsum tau tus tswv tsev?
Feem ntau kev tuav pov hwm tus tswv tsev txoj cai muab qee yam hauv qab no hom kev pab them nqi : tsev kev pab them nqi , dej/dej nyab kev pab them nqi , cov khoom ntiag tug (cov ntsiab lus), kev ua ntawm xwm, nrog rau cov nyiaj tau los ntawm kev xauj tsev ncaj ncees kev pab them nqi . Lwm txoj cai ntxiv rau kev xaiv muaj nrog qee qhov kev pov hwm tuam txhab uas muag rau tus nqi them ntxiv.
Kuv puas xav tau kev tuav pov hwm tus tswv tsev thiab kev tuav pov hwm tsev? Thaum mus xauj pov hwm vaj tse , ua haujlwm tawm qhov npog koj xav tau tuaj yeem zoo li nyuaj. Nyob rau hauv dav dav, ib tug pa pov hwm tsev txoj cai yuav tsis txaus rau ib tus tswv tsev . Kev tuav pov hwm tsev yuav tsis them rau koj cov haujlwm xauj tsev, yog li rau ib tus tswv tsev , mob siab rau kev pov hwm feem ntau yog qhov tseem ceeb.
Ib yam li ntawd, kuv xav tau kev tuav pov hwm dab tsi rau cov peev txheej?
Hom ntawm Nyiaj pov hwm Rau Cov Neeg Ua Lag Luam Hauv Tsev thiab Cov tswv tsev: Hazard thiab Hluav Taws Xob Nyiaj pov hwm rau Lub Cev Khoom : Hazard thiab hluav taws kev pov hwm yog ib txwm xav tau . Kev lav phib xaub Nyiaj pov hwm : Kev lav phib xaub kev pov hwm yog ib txwm xav tau . Koj tuaj yeem yuav lav kev pov hwm rau lub cev khoom ib yam li rau koj qhov kev lag luam tiag.
Kev tuav pov hwm tus tswv tsev yog dab tsi?
Kev pab them nqi yog tus txheej txheem muab rau hauv feem ntau kev tuav pov hwm tus tswv tsev txoj cai Nws pab them rau koj cov nuj nqis yog tias koj pom muaj lub luag haujlwm raug cai tom qab ib tus neeg raug mob ntawm koj lub tsev lossis yog tias koj yuav tsum tau them nyiaj rau kev puas tsuaj rau lwm tus neeg cov khoom.
Pom zoo:
Yuav ua li cas sai sai ua ntej kaw kuv yuav tsum tau txais kev tuav pov hwm cov tswv tsev?
Kuv puas yuav tsum tau yuav ntawv pov hwm tsev ua ntej kaw? Technically, tsis muaj. Yog tias koj them koj lub tsev tawm hauv nyiaj ntsuab, uas yog. Yog tias koj zoo li peb tus so thiab xav tau nyiaj txiag rau koj qhov chaw tshiab, koj tus qiv nyiaj yuav ntau dua qhov yuav xav tau kom koj yuav tsawg kawg qee tus tswv tsev pov hwm kev nyab xeeb ua ntej txiav txim siab ntawm koj cov nyiaj qiv
Tus tuav ntaub ntawv tuav pov hwm kev pov hwm ua dab tsi hauv California?
Lub Xeev California Tus Thawj Saib Xyuas Kev Pov Hwm yog ib txoj haujlwm raug xaiv tsa hauv xeev California tsoomfwv. Tus thawj coj saib xyuas California Department of Insurance, uas tswj hwm lub xeev txoj kev lag luam pov hwm
Dab tsi yog qhov txawv ntawm kev tuav pov hwm tsev nyob thiab kev tuav pov hwm vaj tsev?
Kev tuav pov hwm nyob, qee zaum hu ua "pov hwm tsev thib ob" lossis "kev pov hwm vaj tse peev", tsuas yog siv lub tsev xwb. Kev tuav pov hwm tus tswv tsev yog tsim los rau tus pov hwm lub tsev thawj. Ib lub tsev uas cov ntawv pov hwm them nqi xauj tsev tsuas yog them rau lub tsev xwb, thiab kev lav phib xaub
Hom kev tuav pov hwm tus tswv tsev twg koj yuav tsum tau txais?
Feem ntau cov tswv tsev tuav pov hwm txoj cai muab qhov tsawg kawg nkaus ntawm $ 100,000 tus nqi ntawm kev tuav pov hwm kev lav phib xaub, tab sis cov nyiaj ntau dua muaj thiab, nce ntxiv, nws pom zoo kom cov tswv tsev xav txog kev yuav yam tsawg kawg yog $ 300,000 txog $ 500,000 tus nqi ntawm kev lav phib xaub
Puas yog pov hwm pov hwm pov hwm tus tswv haujlwm lub luag haujlwm?
Lub hauv paus tseem ceeb ntawm kev tiv thaiv lub kaus yog qhov ntxiv ntawm kev pov hwm kev lav phib xaub, nce ntxiv ntawm $ 1,000,000, uas yog ntau dua li 'theem pib' kev lav phib xaub, kev lav phib xaub tsheb, thiab kev tuav pov hwm lub luag haujlwm ntawm tuam txhab (tuam txhab kev lav phib xaub ib feem ntawm txoj cai them nyiaj ua haujlwm)