Ukuguqulwa kwe-Tort isishayamthetho ngokuvamile sidluliselwa ezingeni likahulumeni elichaphazela imithetho yokungahambi kahle kombuso. Ukuguqulwa kwe-Tort kuvame ukufaka imithetho ebeka umkhawulo, noma i-cap, inani lemali iziguli ezingayithola njengomklomelo ovela kumtholampilo abaye bafakazela ngokungahambi kahle. Ukwengeza, ukuguqulwa kwamaphutha kuthatha umonakalo wokulimaza ijaji kungalalisa udokotela ukuthi akhokhe.
Kwamanye amazwe, ukuguqulwa kwamaphutha nakho kubeka imingcele eqinile kuma-suits for crapage suits ukuze kutholakale enkantolo, ngokuphambene nokuxoshwa noma ukulahla.
Izizathu Zokuthimba
Ukuqoqa lezi zimali zokukhokha ngezikhwama zokungasebenzi kahle kusiza ukugcina izindleko zomshuwalense we-malpractice phansi odokotela nabahlengikazi abadingeka ukuba baphathe umshuwalense wokukhwabanisa. (Uma inkampani yomshuwalense we-medical malpractice iqinisekisiwe ukuthi izokhokha imali ephansi uma kutholakala isinqumo noma isahlulelo, umshuwalense akudingeki akhokhe imali ephezulu.) Lezi zinhlawulo emiklomelo yokungasebenzi kahle futhi zakha umphumela we-snowball lokho kuthinta kahle imvelo yokwenza imisebenzi yezokwelapha esimweni esinokuguqulwa kwesimo sokungalungi, okwenza kube yindawo ekhangayo kakhulu yokusebenzisa imithi.
Ngokususa imivuzo engapheliyo enganqotshwa ku-suit eyodwa, futhi okwenza kube nzima ukuthola icala lokungasebenzi kwezokwelapha enkantolo, uhulumeni udikiza "abagibeli be-ambulensi" nabameli abangasebenzi ngendlela engavamile, imikhuba.
Ngokwengqikithi, ukuguqulwa kwesimo sokungalungi kusiza ukukhulisa ezinye izikhwama ezingenangqondo noma eziziqhenya kakhulu, ngakho-ke kuphela okusemthethweni okuqhutshwa enkantolo.
Ngakolunye uhlangothi, ngenkathi ukuguqulwa kokungalungi kulungele abahlengikazi nabahlinzeki bezempilo, abanye abantu banomuzwa wokuthi ukulungiswa okungalungile akulungile ngoba kuvimbela odokotela abenza amaphutha ekukhokha ngokugcwele amaphutha abo.
Kungakhathaliseki ukuthi imibono yakho inguquko engalungile, akukho mbuzo ukuthi idonsela odokotela bekhwalithi emphakathini, futhi lokho kulungisa okungalungile kwenzelwa indawo engcono yokwenza izidakamizwa. Ngokuvamile, odokotela abasebenza ngokuphutha-izinguquko bathi bakhokhela amashumi ezinkulungwane zamaRandi ngaphansi kwama-premiums angasebenzi ngonyaka kunodokotela kwamanye amazwe. Kodwa-ke, abameli bezinsolo zokungathembeki mhlawumbe bangathanda ukuzenza esimweni esingakaze senze izinguquko ezimbi, ngoba zingathola imali eningi lapho kutholakala khona izindawo zokukhokhelwa izigwegwe, ukukhokha kanye nokulimala okungenasiphelo.