Izidingo zomshwalense zokubhalisa imoto eNew Jersey
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Izidingo zomshwalense zokubhalisa imoto eNew Jersey

09.11.2022 /

Zonke izimoto ezibhalisiwe eNew Jersey kumele zifakwe umshwalense ngezinhlobo ezintathu zomshwalense wesikweletu, noma "isikweletu sezezimali." Izidingo ezincane zesikweletu sezezimali zabashayeli baseNew Jersey zimi kanje:

  • Ubuncane obungu-$5,000 kumshwalense wesikweletu ohlanganisa umonakalo owubangelayo empahleni yabanye abantu.

  • Ubuncane obungu-$15,000 ekuvikelweni kokulimala komuntu siqu obukhava izindleko zezokwelapha uma wena noma abanye abashiwo kupholisi yakho belimala engozini, kungakhathaliseki ukuthi ubani onephutha. Izinkampani eziningi zomshwalense nazo zibhekisela kulokhu ngokuthi "umshwalense ongenaphutha".

Lokhu kusho ukuthi inani eliphansi eliphelele lesikweletu sezezimali ozolidinga lingu-$20,000 Lokuvikela Isibopho Sezomthetho Nokulimala noma “Akukho Iphutha”.

  • Umthetho waseNew Jersey udinga futhi ukuthi inqubomgomo yakho yomshwalense ifake umshayeli ongagunyaziwe noma ongenawo umshwalense omncane, ozokuvikela uma ubandakanyeka engozini nomshayeli ongenawo umshwalense osemthethweni.

Uhlelo olukhethekile lomshwalense wemoto

Izakhamizi zaseNew Jersey ezibhalise ku-federal Medicaid ziyafaneleka Inqubomgomo Yomshwalense Okhethekile WaseNew Jersey, noma i-SAIP. Lona umshwalense oshibhile ohlanganisa izindleko zezokwelapha ngemva kwengozi yemoto. Iningi labahlinzeki bomshwalense abagunyaziwe eNew Jersey banikeza izinhlelo ngaphansi kwe-SAIP.

ubufakazi bomshwalense

I-New Jersey inemithetho eqinile mayelana nokuthi yini eyakha ubufakazi bomshwalense. Zonke izinkampani zomshwalense ezigunyaziwe eNew Jersey kudingeka ukuthi zikhiphe amakhadi okuhlonza aseNew Jersey ngemoto ngayinye ekhavwe umshwalense. Leli khadi liwukuphela kwendlela evumelekile yobufakazi bomshwalense futhi kufanele lithobele le mithetho elandelayo:

  • Iposikhadi kufanele lenziwe okungenani ngamakhilogremu angama-20 esitokwe samakhadi amhlophe.

  • Ubukhulu bekhadi kufanele bube phakathi kwama-intshi amathathu nama-intshi amahlanu kanye nama-intshi amahlanu nengxenye namasentimitha ayisishiyagalombili nengxenye.

Ikhadi ngalinye kufanele libonise ulwazi olulandelayo:

  • Igama lenkampani yomshwalense

  • Amagama abo bonke abantu abakhavwe kumshwalense namakheli ahlobene nabo, okufanele avele ngemuva ekhadini futhi kufanele afane nekheli abalisebenzisela izinjongo zokwelapha.

  • Inombolo yenqubomgomo yomshwalense

  • Ukusebenza kanye nezinsuku zokuphelelwa yisikhathi komshwalense

  • Yenza, imodeli kanye nenombolo kamazisi yemoto

  • Isihloko esithi "New Jersey Insurance Identification Card"

  • Ikhodi yenkampani yomshwalense egunyaziwe

  • Igama nekheli lenkampani noma i-ejensi yomshwalense

Leli khadi kufanele lethulwe ngaphambi kokuhlolwa, endaweni yengozi, lapho kumiswa khona ukwephulwa kwemithetho yomgwaqo, noma lapho iphoyisa lihlola imoto yakho ngokungahleliwe.

Izijeziso zokwephula

Ukuntuleka komshwalense kungaholela ekuhlawulisweni. Uma ubanjwa ushayela imoto engenamshwalense eNew Jersey, ungase ubhekane nezinhlawulo ezithile ezihlanganisa:

  • Izinhlawulo

  • Imisebenzi Yomphakathi

  • Ukuvuselelwa Kwelayisensi

  • Amaphrimiyamu omshwalense

Ukuze uthole ulwazi olwengeziwe, xhumana neKhomishini Yezimoto YaseNew Jersey ngewebhusayithi yabo.

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