ARLINGTON, TX, USA, Januware 29, 2021 /EINPresswire.com/ - Nyengo yamkuntho ya 2016 inali nyengo yamvula yamtengo wapatali kwambiri yolembedwa ku Texas. Pa Marichi 17, 2016 Arlington, Texas adakumana ndi mvula yamatalala yosachepera sikisi, yayikulu kwambiri yomwe idapanga matalala mainchesi awiri ndi theka m'mimba mwake. Nyengo yoopsa idayamba Lachinayi m'mawa, ndikuponya matalala akulu ndikuwuluka ndege kuchokera ku DFW Airport. Ichi chinali chimvula chamkuntho chomwe chinawononga nyumba zambiri mderali, kasitomala wathu anali m'modzi mwa eni nyumbazo.
The kuwonongeka kwa denga inali yovuta kwambiri kotero kuti kasitomala wathu adapereka inshuwaransi ya eni nyumba kudzera mwa omwe amampatsa inshuwaransi, State Farm. Atalemba pempho lowononga padenga, inshuwaransiyo adatumiza oyang'anira awo omwe adayang'ana kuwonongeka kwa malowo ndikuwona kuti palibe kapena m'munsi mwa zomwe kasitomala wathu wachotsa. Mosakhudzidwa ndi malingaliro a inshuwaransi, kasitomala wathu adatilemba ganyu ndikupempha kuwunika pamlandu wawo. Mphotho yoyeserera idabweranso nthawi 80,000 kuchuluka kwa zowonongera zoyesedwa ndi State Farm.
State Farm idalipira mphotho zambiri. Kuti atolere mphotho yotsala ndi chiwongola dzanja ndi maloya, kasitomala wathu adatsata inshuwaransi wake pomulemba mlandu, kulengeza kuti kampani yake ya inshuwaransi yaphwanya mgwirizano ndikuphwanya Chaputala 541 cha Texas Insurance Code, Texas Deceptive Trade Practices Act ( DTPC), ndi Texas Prompt Payment of Claims Act (TPPCA). Pofuna kuteteza phindu lawo, ma inshuwaransi nthawi zambiri amachita zachinyengo, amapotoza mwadala chilankhulo chawo kuti apewe kubweza ngongole, kugwiritsa ntchito kuzengereza kopanda tanthauzo kuti apewe kutero, kapena kufunsa zopanda pake zaumboni wa kutayika. Izi zimatchedwa a chikhulupiriro choipa ntchito ya inshuwaransi.
Wopanga inshuwaransi wa kasitomala wathu adayankha kuti chidule chachidule pa zonse zomwe kasitomala wathu ananena monga njira yothetsera kuphwanya mgwirizano ndi ntchito za TPPCA potengera chigamulo cha Khothi Lalikulu ku Texas ku Ortiz. State Farm idati adalipira mphothoyo chifukwa chake palibe kuphwanya mgwirizano kapena zonena kuti awonjezerapo mgwirizano zatsala.
Kodi ndi Chikhulupiriro Choipa, Mwamwayi, Kapena Zonse Ziwiri?
Pazikhulupiriro zoyipa zamalamulo zomwe akuti sizinachitike, kasitomala wathu amayenera kuphwanya mgwirizano ndi inshuwaransi wake. Wogulitsa inshuwaransi akuti kuphwanya mgwirizano ndichofunikira kuti pakhale chikhulupiriro choyipa, komabe olemba mfundo akuti kuphwanya mgwirizano ndichofunikira chokha pakukhulupilira pomwe zomwe sananenepo sizinachitike.
Nthawi zambiri, sipangakhale kuyitanidwa chifukwa cha chikhulupiriro choipa pomwe inshuwaransi wakana mwachangu zomwe sananenepo. Komabe, kulephera kuwonetsa kuphwanya mgwirizano sikungachepetse malingaliro oyipa a wopanga mfundo. Zomwe zikutanthauza kuti inshuwaransi iyenera kuwonetsa kuphimba, osati kuphwanya mgwirizano. Ndizosatsutsika kuti zomwe kasitomala wathu amafunsa malinga ndi lamuloli zidakwaniritsidwa. Wothandizira inshuwalansi adawonongeka, pansi pa deductible pamene pempholo linasinthidwa poyamba.
Kusanthula kokha kosakondera komanso kosamveka kwamalamulo komwe sikumatsutsana ndi malingaliro wamba kapena malingaliro aboma ndiko komwe kumateteza udindo wa inshuwaransi kuthana ndi inshuwaransi mwachikhulupiriro pomwe zomwe inshuwaransi yakwaniritsidwa. Omwe amatithandizira inshuwaransi kuwononga lamuloli angawalole kunyalanyaza udindo wawo ndikuchedwa, kukana, kapena kubweza ngongole za inshuwaransi mpaka inshuwaransi italemba ntchito loya ndikutumiza kalata yodziwitsa asanakambe za kuphwanya mgwirizano ndi chikhulupiriro cholakwika, kenako Ingoyitanitsani kuwunika, kulipira mphothoyo, ndi kufooketsa ziwongola dzanja za inshuwaransi komanso udindo wake wovomerezeka pazikhulupiriro zoyipa ndikusintha.
Pakumverako, maloya athu adanenanso zomwe zatchulidwazi ndikuwonetsa kuti mphotho yoyeserera yomwe ndi yochulukirapo nthawi 80,000 kuposa ndalama zoyesedwa ndi State Farm, komanso unilateral (line-item veto) pazowonongeka zina mu mphothoyo, zidafanana ndi kuphwanya mgwirizano ndi chikhulupiriro choipa. Khotilo linagwirizana ndikukana chigamulo chachidule cha State Farm pazifukwa zonse.
Maloya aku Texas Property Insurance
Kodi nyumba ya inshuwaransi ya eni nyumba kapena yamalonda yakanidwa? Titha kuthandiza. Kuyimira zikwizikwi za kasitomala motsutsana ndi makampani akuluakulu a inshuwaransi, maloya athu amati inshuwaransi amateteza mwamphamvu ufulu wa omwe akukhala ndi inshuwaransi. Kuyankhulana kwathu ndi kwaulere, ndipo mulibe ngongole yathu kufikira titapambana mlandu wanu. Lumikizanani nafe lero.
Chris Flynn
Olimba Mtima wa Chad T. Wilson
+ 1 832, 415-1432
[imelo ndiotetezedwa]
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