Le inshorensi yohambo ifumaneka kwiAirbnb Insurance Agency LLC yaseNew York, NY (inombolo yelayisensi yaseCalifornia 6001912, inombolo yelayisensi yaseNew York 1614472) (“Iarhente yakwa-Airbnb”), enelayisensi yeinshorensi kuwo onke amaphondo aseMerika naseSithili saseColumbia, elawulwa Ngabalawuli Beenkonzo Ezilungiselelweyo, Inc. yaseSan Diego, CA (inombolo yelayisensi yaseCalifornia. 0821931), eyenza ishishini njengeGenerali Global Assistance & Insurance Services, ibe iphantsi kweGenerali U.S. Branch of New York, NY (NAIC #11231) (“Generali U.S. Branch”). Ukuze ufumane ushwankathelo olupheleleyo lweenombolo zelayisensi, nceda ujonge ekupheleni kwale ngxelo yokuchaza.
Le inshorensi yohambo ifumaneka kubahlali baseMerika kuphela kodwa isenokungafumaneki kuyo yonke imimandla yaseMerika Izinto eziluncedo neenkonzo zeinshorensi zichazwa ngokuqhelekileyo, ibe ziphantsi kwemiqathango ethile nezinto ezingaqukwanga ziyasebenza. Nceda uyifunde kakuhle ipolisi yakho yeinshorensi. Iarhente yakwa-Airbnb isenokufumana imbuyekezo yokuthengisa i-inshorensi ngale webhusayithi. Nayiphi na imibuzo yobuxhakaxhaka ngemimiselo nemiqathango yeinshorensi yohambo efumanekayo-okanye ukwanela kweinshorensi yakho ekhoyo-kufuneka ithunyelwe kwiGenerali U.S. Branch.
I-Generali U.S. Branch isebenza kwezi ndawo zilandelayo phantsi kwala magama:
Le inshorensi yohambo ineinshorensi yohambo lwakho esebenza kuphela ngokubhukisha kohambo luka-Airbnb okuqukiweyo. Usenokuba nezinye iipolisi zeinshorensi ezinceda ngendlela efanayo, kodwa zisenokuba phantsi kwemiqathango eyahlukeneyo kuxhomekeka kwezinye ii-inshorensi zakho. Usenokufuna ukuthelekisa imimiselo yale inshorensi yohambo kunye neepolisi zakho ezikhoyo zobomi, zempilo, zekhaya nezemoto, kunye nayo nayiphi na i-inshorensi onayo kwinkqubo(ii) yekhadi lakho lokuthenga ngetyala.
Ukuthenga le inshorensi yohambo akufuneki ukuze uthenge nayiphi na imveliso okanye inkonzo oyinikwa nguAirbnb, Inc.
Ixabiso elicatshuliweyo lale inshorensi yohambo liquka imali yeinshorensi kunye neendleko zeenkonzo zokunceda ezingabhatalelwayo. Unokufumana inkcazelo engakumbi ngemimiselo nemiqathango yeinshorensi yohambo ngokuhlola ipolisi, ibe unokufumana inkcazelo ngamaxabiso einshorensi neenkonzo zoncedo ngokuthumela i-imeyile kumthengiervice@us.generaliglobalassistance.com okanye ngokufowunela u-866-757-0010.
Inkcazelo ekule ngcaciso apha ayiyonxalenye yepolisi yeinshorensi ibe ayinakusetyenziselwa ukutshintsha nayiphi na ipolisi yeinshorensi enokuthengiswa yiArhente yakwa-Airbnb okanye ekhutshwe yiGeneral U.S. Branch. Kwimeko apho naziphi na iifomu zeinshorensi ezifanelekileyo zingahambelani nayo nayiphi na inkcazelo efakwe apha, ulwimi lweefomu zepolisi luza kulawula.
Esi sicwangciso siphantsi kwemimiselo, imiqathango nezinto ezithile ezingaqukwanga. Nceda uyifunde kakuhle ipolisi yakho.
Ipolisi yakho yeinshorensi yohambo iquka ilungiselelo lexesha elingabhatalelwayo, apho imali yakho ebhatalelwayo ibuyiselwa yonke imali yakho. Emva kokuba ixesha lokujonga simahla liphelile, imali yakho eyongezelelekileyo ayibuyiswa, ngaphandle kokuba kuchazwe ngenye indlela kwimimiselo yepolisi yakho.
California: Ukuze ufumane inkcazelo engakumbi, iCalifornia inenombolo yabathengi yasimahla ku-800-927-4357.
ENew York: Iarhente yakwa-Airbnb liarhente yeinshorensi enelayisensi yePhondo laseNew York. Le layisensi igunyazisa iArhente yakwa-Airbnb ukuba yenze ezi zinto zilandelayo:
Indima yomvelisi kuyo nayiphi na intengiselwano ngokuqhelekileyo iquka into enye okanye ezingakumbi kwezi zinto. Imbuyekezo ibhatalwa kwi-Arhente yakwa-Airbnb, njengoko kuchaziwe kwizivumelwano zeinshorensi ezithengiswa yi-Arhente yakwa-Airbnb. Iindwendwe zinokuqhakamshelana neArhente yakwa-Airbnb ukuze zicele inkcazelo ngembuyekezo ekulindeleke ukuba ifunyanwe ngumvelisi opheleleyo okanye inxalenye yayo xa kuthengiswa i-inshorensi.
I-Delaware: Usenokuba nenye i-inshorensi enikezela ngeenzuzo ezifanayo kwi-inshorensi yohambo-ngoko sicebisa ukuba ujonge iipolisi onazo ngoku.
EMaryland: Usenokuba nenye i-inshorensi enikezela ngeenzuzo ezifanayo kwi-inshorensi yohambo-ngoko sicebisa ukuba ujonge iipolisi onazo ngoku. Xa uthenga i-inshorensi yohambo, i-inshorensi yohambo iyakhuselwa nguwe. UMkomishinala angaqhakamshelana naye ukuze afake isikhalazo ku: Maryland Insurance Administration, Attn: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.
Njengenxalenye yobuhlobo bakho nathi, sifuna ukuqinisekisa ukuba unayo yonke inkcazelo oyidingayo ukuze uyilawule kakuhle i-inshorensi yakho. Injongo yethu kukukunika izinto ezininzi kangangoko kunokwenzeka ukuze ufumane amaxwebhu akho anento yokwenza neinshorensi. Akunyanzelekanga ukuba uvume ukuthunyelwa ngonxibelelwano nge-elektroniki. Ukuba awunikezeli ngemvume yokunxibelelana nge-elektroniki, siza kukunika inkcazelo ethile “ngokubhala” -loo nto ithetha ukuba unelungelo lokuyifumana ephepheni.
Ngokuthenga i-inshorensi kwi-Arhente yakwa-Airbnb, uyavuma ukuba uza kunxibelelana nge-elektroniki (“iingxelo ze-elektroniki”).
Imvume yakho: Sisebenzisa ukusayina nge-elektroniki njengenxalenye yokuthengiselana kwethu nawe. Ukuba sifumana imvume yakho yokwenza loo nto, siza kukunika yonke i-inshorensi njengeerekhodi ze-elektroniki, ngokokubona kwethu.
Imvume yakho iquka lonke unxibelelwano olunento yokwenza nayo nayiphi na i-inshorensi. Ngamaxesha athile, usenokufuna ukuthenga i-inshorensi entsha kuthi. Xa usenza loo nto, sisenokukukhumbuza ukuba sele usinike imvume yakho yokusebenzisa iirekhodi ze-elektroniki nokusayina. Ukungamkeli ukusetyenziswa kweengxelo ze-elektroniki nokusayina kwiplani entsha yeinshorensi akuyirhoxisi imvume yakho kuyo nayiphi na enye i-inshorensi.
Ngamanye amaxesha sikunika unxibelelwano ephepheni, nokuba ukhethe ukuzifumana nge-elektroniki. Kwimeko apho kamva sinikezela ngolu nxibelelwano ngefomu ye-elektroniki le mvume iza kuquka ezo nxibelelwano ngokuzenzekelayo.
Iikopi zephepha: Ukuba ufuna ikopi yephepha yeerekhodi ze-elektroniki, qhakamshelana ne-help@generalitravelinsurance.com ukuze ucele ingxelo ephepheni.
Ukurhoxisa imvume: Unelungelo lokurhoxisa imvume yakho nanini na. Imvume yakho iyasebenza de sifumane isaziso sokuba uyirhoxisile. Emva kokuba sifumene ithuba elifanelekileyo lokuthatha inxaxheba kwisaziso sakho, ukurhoxa kwakho kuza kusebenza.
Ukuze urhoxise imvume yakho nceda uqhakamshelane ne-inshorensi-agency@airbnb.com.
Idilesi yakho yeimeyile: Ukuba kukho izinto ezitshintshiweyo kwi-imeyile yakho okanye kwenye idilesi ye-elektroniki, sazise ku-1-844-234-2500. Yazi ukuba, apho kuvunyelwe ngumthetho, iingxelo ze-elektroniki zinokuquka izaziso zokungahambi nokurhoxa-ngoko sicebisa ukuba ulungise idilesi yakho yeimeyile ukuba iyatshintsha.
Izinto zekhompyutha kunye nezinto ezifunekayo kwi-software: Ukuze ufumane iirekhodi ze-elektroniki, kufuneka ube nezi zixhobo zilandelayo kunye ne-software:
Ukuba izinto ezitshintshiweyo kwizixhobo zethu okanye izinto ezifunekayo kwi-software zenza izinto zibe semngciphekweni wokukwazi kwakho ukufikelela okanye ukugcina iingxelo zakho ze-elektroniki, siza kukwazisa ngezinto ezifunekayo ezihlaziyiweyo.
Ngokufaka imvume yakho, uyaqinisekisa nokuba uneakhawunti ye-imeyile esebenzayo; unezi zixhobo kunye ne-software echazwe ngasentla; kwaye uyakwazi ukufumana nokuhlola iingxelo ze-elektroniki.
Izinto zakho eziyimfihlo. I-Arhente yakwa-Airbnb kunye neGenerali U.S. Branch zisenokunikezela ngenkcazelo yobuqu omnye komnye njengoko kuyimfuneko ukuze kube lula ukunikezela ngecebo. Ngokomzekelo, iArhente yakwa-Airbnb iza kuthumela inkcazelo efana negama lakho nedilesi, inombolo yokubhukisha, idilesi yendlu neentsuku zohambo ukuze iGenerali U.S. Branch yenze ipolisi yakho yeinshorensi yohambo. I-Generali U.S. Branch iza kuthumela inkcazelo ethile yebango efana nohlobo lwebango, imeko, nexesha elenziwe ngalo ukuze kuqinisekiswe ukusebenza kwale nkqubo. Inkampani nganye isenokusebenzisa inkcazelo yakho ukuze iphucule umgangatho weemveliso zayo kodwa ayizukuthengisa okanye inikezele ngenkcazelo yakho kwabanye abantu abangenanto yakwenza nayo. Ngokuxhomekeke kwimiyalezo oyithandayo, iArhente isenokukuthumelela ii-imeyile zesaphulelo ukuze ikukhuthaze ukuba ukhusele ukubhukisha okufanelekayo okwenze kwiwebhusayithi ka-Airbnb ngeinshorensi yohambo. Iarhente ka-Airbnb iza kusebenzisa inkcazelo yakho yobuqu ngokunxulumene nokunikezela ngeinshorensi ngokuhambiselana nepolisi yezinto eziyimfihlo yewebhusayithi ka-Airbnb. I-Generali U.S. Branch iza kusebenzisa inkcazelo yakho ngokunxulumene nokulawula i-inshorensi ngokuhambiselana nepolisi yayo engezinto eziyimfihlo.
I-Airbnb Payments iqokelela imali oyibhateleyo egameni le-Arhente yakwa-Airbnb. Iyonke imali emele ibhatalwe eboniswe xa ubhatala, xa ubhatala imali ephambili nezinye iinkonzo ezithengwe kwiWebhusayithi ka-Airbnb, isenokuvela njengemali emele ibhatalwe enye kwindlela yakho yokubhatala. Ukuqokelela imali ebhatalwayo kuthathwa njengeNkonzo Yokubhatala njengoko kuchaziwe Kwimimiselo Yokubhatala.
Nceda uhlole Ipolisi Engezinto Eziyimfihlo yaseGenerali Nemimiselo Yokusebenzisa.
Ukuba ngabom uveza ibango lobuxoki okanye lobuqhetseba lokubhatala ilahleko okanye inzuzo okanye uquka inkcazelo engeyonyani kwisicelo sakho seinshorensi yohambo, wenza into engekho mthethweni uze uzenzele izohlwayo zolwaphulo-mthetho ezifana nezi: ukubuyiselwa imali, isohlwayo, ukuvalelwa entolongweni, okanye ukudityaniswa kwesohlwayo.
Ukuba uquka inkcazelo engeyonyani, engaphelelanga okanye elahlekisayo kwisicelo sakho seinshorensi yohambo Yondwendwe ngenjongo yokuqhatha okanye ukukhohlisa inkampani yeinshorensi, uza kohlwaywa ulwaphulo-mthetho phantsi komthetho karhulumente.
Ukuba usenza ibango lobuxoki okanye lobuqhetseba lokubhatala ilahleko okanye inzuzo, okanye uquka inkcazelo engeyonyani kwisicelo sakho seinshorensi yohambo Yondwendwe, wenza into engekho mthethweni uze uzibeke kwizohlwayo zolwaphulo-mthetho ezifana nesohlwayo okanye ukuvalelwa entolongweni.
Ukuba ubangela ibango lobuxoki okanye lobuqhetseba lokubhatala ilahleko, wenza into engekho mthethweni uze uzibeke kwisohlwayo solwaphulo-mthetho esifana nesohlwayo okanye ukuvalelwa entolongweni.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo yokuqhatha okanye yokuzama ukuqhatha inkampani yeinshorensi, wenza into engekho mthethweni. Usenokohlwaywa ngolwaphulo-mthetho nolwaphulo-mthetho, njengokuvalelwa entolongweni, ukuhlawuliswa, ukungamkelwa kweinshorensi nomonakalo owenziwe ngumntu wonke.
Ukuba inkampani yeinshorensi okanye ummeli wayo unikezela ngenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ngenjongo yokukukhohlisa okanye ukuzama ukukukhohlisa, umnikazi wepolisi okanye ummangaleli, ngaphandle kwebhaso lokubhatala elibhatalwa kwingeniso yeinshorensi, zixele kwiColorado Division of Insurance kwiSebe Lezomthetho.
Ukuba uquka inkcazelo engeyonyani, engaphelelanga okanye elahlekisayo yokwenzakalisa, ukuqhatha okanye ukukhohlisa inkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba uquka inkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ukuze uqhathe ngenjongo inkampani yeinshorensi, wenza into engekho mthethweni. Usenokuba phantsi kwezohlwayo zolwaphulo-mthetho nezoluntu, njengokuvalelwa entolongweni, ukuhlawuliswa, ukungamkelwa kweinshorensi nomonakalo owenziwe ngumntu wonke.
Ukuba uyazi kwaye uzimisele ukwenzakalisa, ukuqhatha, okanye ukukhohlisa nayiphi na inkampani yeinshorensi iquka inkcazelo engeyonyani, engaphelelanga okanye elahlekisayo kuyo nayiphi na ingxelo yebango okanye yesicelo, uyabandakanyeka kwinqanaba lesithathu.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ukuze uqhathe ngabom okanye ukhohlise inkampani yeinshorensi, wenza into engaqondakaliyo.
Ukuba ubangela ibango lobuxoki okanye lobuqhetseba ngenjongo yokuqhatha inkampani yeinshorensi, wenza into engaqondakaliyo.
Ukuba ufaka inkcazelo engeyonyani, efihlayo okanye elahlekisayo ngenjongo yokuqhatha inkampani yeinshorensi okanye abameli bayo, wenza ubuqhetseba beinshorensi. Le nto iquka naluphi na unxibelelwano olubhaliweyo, ngomlomo okanye nge-elektroniki oluyinxalenye yesicelo sakho seinshorensi okanye ibango lokuxhamla kwipolisi yakho yeinshorensi.
Ukuba unenkcazelo engeyonyani, efihlayo okanye elahlekisayo ukuze uqhathe ngabom okanye ulahlekise inkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba uquka inkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ukuze uqhathe ngenjongo inkampani yeinshorensi, wenza into engekho mthethweni. Usenokohlwaywa njengokuvalelwa entolongweni, ukuhlawuliswa okanye ukungazamkeli iingenelo zeinshorensi.
Ukuba usenza ibango lobuxoki okanye lobuqhetseba lokubhatala ilahleko okanye inzuzo, okanye uquka inkcazelo engeyonyani kwisicelo sakho seinshorensi yohambo Yondwendwe, wenza into engekho mthethweni uze uzibeke kwisohlwayo esifana nesohlwayo okanye ukuvalelwa entolongweni.
Ukuba ubangela ibango lobuxoki lokuqhatha okanye ukunceda ukuqhatha inkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo kwibango lakho lokwenzakala, ukuqhatha okanye ukukhohlisa inkampani yeinshorensi, wenza into engekho mthethweni, ibe usenokohlwaywa ngolwaphulo-mthetho okanye ulwaphulo-mthetho njengoko kubonisiwe kwiRSA 638:20.
Ukuba ufaka inkcazelo engeyonyani okanye elahlekisayo kwisicelo sakho seinshorensi yohambo Yondwendwe, uzifaka kwisohlwayo solwaphulo-mthetho nolwaphulo-mthetho.
Ukuba usenza ibango lobuxoki okanye lobuqhetseba lokubhatala ngamabomu okanye ufaka inkcazelo engeyonyani kwisicelo sakho seinshorensi yohambo Yondwendwe, wenza into engekho mthethweni uze uzenzele izohlwayo zoluntu nezohlwayo zolwaphulo-mthetho.
Ukuba unenkcazelo engeyonyani, efihlayo okanye elahlekisayo kwisicelo sakho seinshorensi okanye ingxelo yebango yokuqhatha ngabom okanye ukulahlekisa inkampani yeinshorensi, wenza into engekho mthethweni. Usenokuba phantsi kwezohlwayo zoluntu ukuba ungadluli kwi- $ 5,000 kunye nexabiso elichaziweyo lebango lokwaphulwa komthetho ngamnye.
Ukuba ufaka inkcazelo engeyonyani okanye ekhohlisayo kwisicelo sakho okanye ingxelo yebango lokukhohlisa ngabom okanye uququzelela ubuqhetseba kwinkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo kwibango lakho lengeniso yepolisi yakho yeinshorensi ukuze wenzakalise ngabom, uqhathe okanye ukhohlise inkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba unenkcazelo engeyonyani, efihlayo okanye elahlekisayo xa ufaka i-inshorensi yohambo Yondwendwe okanye ingxelo yebango lokukhohlisa ngabom okanye ekhohlisa inkampani yeinshorensi, wenza into engekho mthethweni.
Ukuba unenkcazelo engeyonyani, efihlayo okanye elahlekisayo kwisicelo okanye ingxelo yebango lokuqhatha ngabom okanye elahlekisa inkampani yeinshorensi, wenza into engekho mthethweni ibe usenokohlwaywa ngolwaphulo-mthetho okanye ulwaphulo-mthetho.
Ukuba wenza ezi zinto zilandelayo, uzibeka kwizohlwayo zoluntu nezolwaphulo-mthetho:
Izohlwayo zezi zinto zingasentla zinokuquka:
Ukuba uneemeko ezimbi ngakumbi, izohlwayo zisenokunyuswa zibe yiminyaka eyi-5.
Ukuba uneemeko ongenakuzinceda, izohlwayo zisenokuncitshiswa zibe yiminyaka eyi-2 ubuncinane.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ukuze uqhathe inkampani yeinshorensi ngabom, wenza into engekho mthethweni. Usenokohlwaywa njengezohlwayo, ukuvalelwa entolongweni, okanye ukungazamkeli iingenelo zeinshorensi.
Ukuba ufaka inkcazelo engeyonyani okanye yobuqhetseba kwibango lakho lokubhatala ilahleko, wenza into engekho mthethweni Usenokohlwaywa njengesohlwayo nokuvalelwa entolongweni.
Ukuba unenkcazelo engeyonyani, engaphelelanga okanye elahlekisayo ukuze uqhathe inkampani yeinshorensi ngabom, wenza into engekho mthethweni. Usenokohlwaywa njengezohlwayo, ukuvalelwa entolongweni, okanye ukungazamkeli iingenelo zeinshorensi.
Ukuba unenkcazelo engeyonyani, efihlayo okanye elahlekisayo kwisicelo sakho seinshorensi okanye ingxelo yebango yokuqhatha ngabom okanye ukulahlekisa inkampani yeinshorensi, wenza into engekho mthethweni.
Ngezantsi kukho iilayisensi zeinshorensi ngokwephondo nenombolo yelayisensi. Inombolo Yomvelisi Weziko Leinshorensi yakwa-Airbnb LLC ngu-19510537.
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