ARLINGTON, TX, Amurka, Janairu 29, 2021 /EINPresswire.com/ - Lokacin guguwar 2016 ita ce lokacin guguwa mafi tsada da aka yi rikodin ga Texas. A ranar 17 ga Maris, 2016 Arlington, Texas ta fuskanci guguwar ƙanƙara da ba ta wuce shida da aka rubuta ba, wanda mafi girma daga cikinsu ya haifar da ƙanƙara inci biyu da rabi a diamita. Tsarin yanayi mai haɗari ya fara da safiyar Alhamis, yana zubar da ƙanƙara mai yawa da saukar jiragen sama daga filin jirgin saman DFW. Wannan guguwa ce ta dodo da ta lalata gidaje da dama a yankin, wanda abokinmu ya kasance daya daga cikin masu gidajen.
The lalacewar rufin ya yi tsanani sosai har abokin cinikinmu ya ƙaddamar da da'awar inshorar masu gida ta hanyar mai ba da inshorar sa, State Farm. Bayan shigar da da'awar lalacewar rufin, mai insurer ya aika da madaidaicin su wanda ya duba lalacewar kadarorin kuma ya tabbatar da cewa babu ko ƙasa da abin da za a cire na abokin ciniki. An makance da matsayin mai insurer nasa, abokin aikinmu ya ɗauke mu aiki kuma ya nemi a tantance lamarinsu. Kyautar tantancewar ta dawo ne a sau 80,000 adadin diyya da aka tantance da farko ta Farm Farm.
Jihar Farm ta biya mafi yawan kyautar. Don tattara ragowar lambar yabo da sha'awa da kuɗaɗen lauya, abokin cinikinmu ya bi mai insurer ta hanyar shigar da ƙara, yana bayyana cewa kamfanin inshora ya yi aiki da keta kwangila da kuma keta Babi na 541 na Texas Insurance Code, Texas Deceptive Trade Practices Act. DTPC), da Dokar Biyan Da'awa ta Texas (TPPCA). Don kiyaye ribar su, masu insurer a kowane lokaci suna aikata ayyuka na yaudara, suna karkatar da harshensu da gangan don guje wa biyan kuɗi, yi amfani da jinkirin da ba su dace ba don guje wa warware da'awar, ko yin buƙatu marasa tushe game da tabbacin asara. Ana kiran wannan a rashin imani aikin inshora.
Mai insurer abokin cinikinmu ya amsa da motsi don hukunci taƙaitaccen bayani akan duk da'awar abokin cinikinmu a matsayin hanyar hana karya kwangilar da ayyukan TPPCA bisa hukuncin Kotun Koli na Texas a Ortiz. Jihar Farm ta yi ikirarin cewa sun biya wannan kyautar don haka babu wani sabani na kwangila ko karin kwangilar da ya rage.
Mummunan Imani ne, Mummunan sa'a, ko duka biyun?
Don da'awar rashin imani na doka ta tsaya, abokin cinikinmu dole ne ya nuna keta kwangila ta mai insurer. Mai insurer ya yi iƙirarin cewa warwarewar kwangila wani abu ne da ake buƙata don rashin imani na doka, duk da haka masu riƙe manufofin suna jayayya cewa karya kwangilar shine kawai abin da ake bukata don mummunan imani lokacin da ba a rufe da'awar ba.
Gabaɗaya, ba za a iya samun da'awar mugun imani ba lokacin da mai insurer ya musanta da'awar da ba a rufe ba da sauri. Koyaya, rashin nuna karya kwangilar ba zai rage da'awar rashin imani mai ma'ana ba. Abin da wannan ke nufi shine mai inshorar dole ne ya nuna ɗaukar hoto, ba keta kwangila ba. Babu shakka cewa an rufe da'awar abokin cinikinmu a ƙarƙashin manufofin. Mai insurer ya sami lalacewa, a ƙasa da abin da za a cire lokacin da aka daidaita da'awar.
Binciken gaskiya da hankali kawai na dokar da ba ta cutar da hankali ko manufofin jama'a ba shine wanda ke kiyaye alhakin mai insho don magance mai insho da gaskiya lokacin da aka rufe da'awar inshora. Ma'aikatan inshora na abokin cinikinmu yin amfani da doka zai ba su damar yin watsi da alhakinsu da jinkirin tsari, ƙi, ko biyan kuɗi na inshora har sai mai inshorar ya ɗauki lauya kuma ya aika da wasiƙar sanarwa ta riga-kafi da ke tuhumar saɓawar kwangila da rashin imani, sannan kawai kiran ƙima, biya lambar yabo, da raunana alhakin kwangilar mai insurer amma kuma alhakinsa na ƙa'ida don ayyukan rashin imani da tsarin daidaitawa.
A sauraron karar, lauyoyinmu sun yi jayayya da abin da ke sama kuma sun nuna cewa lambar yabo da ta haura sau 80,000 fiye da adadin da State Farm ta fara tantancewa, da kuma rashin daidaituwa (line-item veto) na wasu diyya a cikin kyautar, ya zama cin zarafi. kwangila da mummunan imani. Kotun ta amince kuma ta ki amincewa da hukuncin da Jihar Farm ta yanke a kan dukkan dalilai.
Texas Property Lawyers
Shin an hana da'awar inshorar mai gidan ku ko kasuwanci? Za mu iya taimaka. Wakilin dubban abokan ciniki a kan manyan kamfanonin inshora, lauyoyin inshora na mu suna kare haƙƙin mai siye. Shawarar mu kyauta ce, kuma ba ku bin mu komai har sai mun ci nasara a shari'ar ku. Tuntube mu a yau.
Chris Flynn
Chad T. Wilson Law Firm
+ 1 832-415-1432
cflynn@cwilsonlaw.com
Ziyarci mu akan kafofin watsa labarun:
Facebook
LinkedIn
