Txhua yam koj yuav tau ua yog koj ua tsheb sib tsoo ntawm Australia

Car Crash Source: Moment RF / Witthaya Prasongsin/Getty Images

SBS Hmong

View Podcast Series

Get the SBS Audio app

Other ways to listen

Cov kev cuam tshuam nrog ib lub tsheb sib tsoo yog tej yam ua rau yus txhawj xeeb kawg nkaus, txawm tias tsis muaj neeg raug mob thiab tau ua rau tej tsheb puas los yog ua rau tej vaj tse puas me ntsis. Ntxiv no yog cov kev taw qhia ib theem zuj zus qhia rau koj kom paub tias yuav ua dab tsi yog tias ho cuam tshuam nrog tej xwm txheej tsheb sib tsoo loj, los yog tsheb sib tsoo me ntawm Australia, koj yuav nrhiav kev pab cuam li cas, koj muaj tej cai dab tsi yog koj yog tus txhaum los tsis yog tus txhaum.

Ntsiab lus tseem ceeb:

Tag nrho tej neeg tsav tsheb yuav tsum tau nres tsheb thiab sib pauv hloov lawv tej xov xwm ntiag tug..
Tub ceev xwm ntawm Australia tsuas mus tsej tej xwm txheej tsheb sib tsoo loj, uas muaj neeg rog mob coob, los yog tej zaum cuam tshuam txog kev ua txhaum cai, los sis ho muaj ntau yam cuam tshuam xwb.
Feem ntau ntawm cov kev ua tsheb sib tsoo me ces tej neeg tsav tsheb yeej muaj peev xwm los daws tau tej xwm txheej no tias yuav ua li cas ntxiv lawm.
Tej zaum tej neeg cuam tshuam nrog tej xwm txheej tsheb sib tsoo muaj peev xwm thov nyiaj ntawm cov private car insurance los kho tej kev puas tsuaj, raug mob, los yog thov tau cov CTP insurance los yog thov nyiaj pab rau tej neeg ua hauj lwm tsuas nyob ntawm seb lawv poob rau xov xwm txheej zoo li cas xwb.

Ntawm Australia no ces, yog tsis nres tsheb thaum ua tsheb sib tsoo ces yog ib co kev ua txhaum cai.

Thawj yam uas yuav ua tom qab muaj tsheb sib tsoo lawm ces yuav tau ua tib zoo xyuas kom tej neeg sawv daws uas cuam tshuam ntawd tau txais kev nyab xeeb thiab txheeb kom meej tias seb puas muaj ib tug twg xav tau kev pab cuam kho mob pab kiag tam sim ntawd.

Scott Stafford uas yog ib tug tub ceev xwm New South Wales (NSW) uas ua cov hauj lwm tswj kev siv tej kev tsheb thiab saib xyuas tej kev loj tshab txhais tias ''Ua tib zoo xyuas kom yus tau txais kev nyab xeeb hauv yus lub tsheb, thiab kom lwm tus neeg tau txais kev nyab xeeb thiab. Uas yuav tau txheeb xyuas seb puas raug teeb meem dab tsi ib puag ncig rau yus lus tsheb los yog lwm lub tsheb."

LISTEN TO MORE FROM THE SETTLEMENT GUIDE

Yuav ua li cas thiaj tau ib daig ntawv tsav tsheb siv ntawm Australia

SBS Hmong

03/03/202315:29

“Yog tias koj taug kev ncig ib puag ncig ntawm koj lub tsheb, ces yuav tau saib ib puag ncig koj tsam ho muaj lwm lub tsheb ua rau muaj raug teeb meem loj tshaj tej teeb meem koj uas tsheb sib tsoo me ntsis ntawd xwb. Thiab yog tias tau txais kev nyab xeeb, ces xav kom tshem koj lub tsheb tawm ntawm txoj kev loj los sis yog mus nrhiav ib qho chaw uas tau txais kev nyab xeeb sib pauv hloov tej xov xwm nrog lwm tus neeg tsav tsheb uas nrog koj ua tsheb sib tsoo ntawd."

Yog tias muaj ib tug twg ho raug mob, ces koj yuav tsum tau hu rau tus xov tooj triple zeroo (000) thov kev pab cuam kiag tasm sim ntawd, thiab siv tej txuj first aid pab yog tias koj paub siv. Tej neeg ua hauj lwm pab tej xwm txheej ti tes ti taw mam li hu tub ceev xwm los yog lwm cov kev pab cuam li tsheb thauj neeg mob, tsheb tua hluav taws mus rau ntawm thaj chaw tsheb sib tsoo ntawd yog tias yog ib cov xwm txheej tsheb sib tsoo loj.

Tus tub ceev xwm Stafford hais tias “Tej xwm txheej tsheb sib tsoo loj ces yog tej uas muaj neeg khuam daig hauv tsheb, muaj neeg tuag, los yog muaj neeg raug mob, thiab seb puas yog lwm tus neeg tsav tsheb siv yaj yeeb los yog hau dej caw thaum tsav tsheb, los sis yog thaum ua tsheb sib tsoo ces ib tug twg tsis nres tsheb thiab cia li tsav tsheb khiav mus lawm thiab tsis tau sib pauv hloov lawv tej xov xwm tso."

One Dead Following Sydney Harbour Bridge Car Crash

Tub ceev xwm thiab tej nom tswv zos ua hauj lwm los tswj tus choj Harbour Bridge tom qab tau muaj tsheb sib tsoo thaum sawv ntxov ntawm tus coj no rau hnub tim 27 lub 8 hli ntuj xyoo 2020 ntawm Sydney, Australia. Credit: James D. Morgan/Getty Images

Tub ceev xwm yuav mus rau ntawm thaj chaw tsheb sib tsoo ntawd yog tias ho muaj tej yam uas yuav tsim tau teeb meem rau ntawm txoj kev ntawd, ces lawv yuav thaiv kev thiab taw qhia kom tej neeg thiaj paub siv kev tsheb los sis yog ho muaj tej tsheb thauj khoom hnyav los yog tsheb thauj khoom loj cuam tshuam. Tub ceev xwm yuav muaj peev xwm raus tes pab yog tias muaj ib tug twg tau ntshai los yog mloog tau tias yuav raug lwm tus hawv ua phem rau ib tug neeg twg.

Txawm li cas los tias tsuas yog ib co xwm txheej tsheb sib tsoo me ntsis xwb, thiab ho tsis muaj neeg raug mob dab tsi, ces tej neeg cuam tshuam yeej muaj peev xwm los daws tau tej teeb meem no ntawm lawv kheej. Tub ceev xwm tsis tas mus rau ntawm chaw los yog tsis tas pib tshuaj ntsuam txog tej xwm txheej tsheb sib tsoo me no.

Yog tias tseem tsav tau ob lub tsheb, ces tsim nyog yus yuav tau tsav mus nres rau ib qho chaw tau txais kev nyab xeeb thiab mus nres rau ntawm ib sab ntug kev, thiab sib tham me ntsis nrog lwm tus neeg tsav tsheb uas ua tsheb sib tsoo nrog yus, thiab sib pauv hloov tej xov xwm txog ntawm paib tsheb thiab daim ntawv tsav tsheb.

Stafford hais tias “Koj muaj peev xwm yees tej paib tsheb ntawm ib lub tsheb twg. Thiab thaij qhov chaw sib tsoo puas ntawm lub tsheb, ntxiv ntawd ces thaij lwm tus neeg daim ntawv tsav tsheb, thiab nug lwm tus neeg xov tooj. Tag nrho tej xov xwm uas khaws tau ntawm cov xwm txheej tsheb sib tsoo me ntsis no yuav coj mus rau koj lub tuam txhab insurance, ces lawv mam li txheeb tias leej twg yog tus txhaum uas ua rau tsheb sib tsoo, thiab mam li hais kom lwm tus neeg ntawd kho tsheb."

Yuav ua li cas thiaj hu tau tsheb thauj neeg mob tuaj pab koj ntawm Australia

Cov xwm txheej zoo li cas thiaj tsim nyog koj hu thiab siv triple zero (000)

Claim insurance

Yog tias koj yuav nyiaj tuav pov hwm pov puag koj lub tsheb ntia (private car insurance). ces koj yuav tau hu rau koj lub tuam txhab insurance kom sai npaum li sai tau thiab qhia tej xwm txheej tsheb sib tsoo rau lawv paub.

Jane Foley uas yog tus kwj lij choj tseem ceeb ntawm lub koom haum Financial Rights thiaj taw qhia tias “Yog thaum uas koj claim insurance ntawd, txawm tias koj tsis yog tus txhaum, los yog tias koj tsis xyuas kom tau lwm tus neeg ua tsheb sib tsoo nrog koj - npe thiab chaw nyob, ces koj lub tuam txhab insurance yuav kom koj them nyiaj rau lawv ua ntej mas lawv thiaj yuav txheeb tej hauj lwm no rau koj, tab tsis feem ntau ces yog tias koj twb tau tej xov xwm no lawm, ces lawv yuav tsis hais kom yus them dab tsi. Thiaj xav kom ua tib zoo txheeb seb puas muaj ib tug twg ua pov thawj pom koj cov xwm txheej tsheb sib tsoo, los yog tej zaum lawv kuj yuav siv cov koob thaij duab CCTV footage coj los ua cov txiav txim tom qab tuaj tias seb leej twg yog tus txhaum thiab."

Men Using Mobile Phone Against Crashed Cars

Yog tias koj tsis yog tus txhaum, ces yog tej yam tseem ceeb heev uas nrog xyuas kom tau tej xov xwm ntawm lwm tus neeg uas nrog koj ua tsheb sib tsoo ntawd kom koj thiaj tsis tau them tej nqe kho tsheb uas tsis tsim nyog them. Credit: Tanasin Srijaroensirikul / EyeEm/Getty Images

Ms Foley hais tias txawm li cas los yog yeej paub tseeb lawm tias yus tsis yog tus txhaum thiab yog tias lwm tus neeg tsav tsheb ntawd ho muaj insurance thiab, ces tej zaum yus kuj muaj peev xwm hais kom tus neeg ntawd claim lawv cov insurance xwb, kom yus thiaj tsis tau claim insurance nrog yus lub tuam txhab.

'Qhov zoo tshaj plaws ces coj yus lub tsheb mus rau yus tus kws kho tsheb txheeb xyuas tso. Thaum yus tau daim ntawv txheeb tau tias yuav kho raug nyiaj npaum li cas lawm, ces mam muab daim ntawv no thiab tej duab nrog rau cov kev txheeb xyuas ntawd xa mus rau lwm tus neeg tsav tsheb. Ces tus neeg tsav tsheb ntawd mam li muab tej ntau ntawv no xa mus rau lawv lub tuam txhab insurance, ces lub tuam txhab ntawd mam nrog yus sib tham ncaj qha lawm xwb."

Ces lwm tus neeg tsav tsheb lub tuam txhab insurance mam li xyuas kom coj tau yus lub tsheb mus rau lawv tej neeg kho tsheb kho. Kom yus tsis txhob tau lis tej hauj lwm no los yog thiab tsis txhob tau nrhiav ntau daim ntawv kho tsheb seb raug nqe kho li cas. Thiab lawv los yeej tsis muaj cai yuav thov saib los yog txheeb xyuas yus lub tsheb li thiab.
Jane Foley, Financial Rights Senior Solicitor

Ms Foley hais tias yog koj xav kom lwm tus neeg tsav tsheb lub tuam txhab insurance them nyiaj ncaj qha rau koj, ces koj yuav tsum tau sau ntawv mus rau lawv hais kom lawv them rau koj. Txawm li cas los tej zaum lub tuam txhab insurance ntawd kuj yuav txiav txim siab sib khom tias seb yuav them npaum li cas rau koj los yog yuav txheeb koj daim ntawv kho tsheb ntawd thiab.

Nws tshab txhais tias “Yog tias tej nyiaj koj xav tau ntawd tsawg dua $15,000 thiab lwm lub tuam txhab insurance tsis koom tes, ces koj muaj peev xwm mus hais nrog lub koom haum Australian Financial Complaints Authority. Hais dawb xwb, koj muaj peev xwm siv tau lawv cov ntau ntawv dispute resolution scheme hauv online tau, ces lawv mam li txiav txim thiab thaum kawg mam li nrog xyuas thiab dws tej kev tsis haum xeeb ntawm tej neeg ntau tog ua cuam tshuam ntawd.

“Hos yog tias tej nyiaj ntawd ntau tshaj $15,000 lawm thiab lub tuam txhab insurance ntawd los tsis kam koom tes thiab, ces yus muaj peev xwm coj lawv mus hais plaub ntawm lub zos yus nyob ntawd. Tab sis ua ntej yuav ua li ntawd, kuv xav taw qhia kom koj yuav tsum tau sab laj nrog ib tug kws lij choj ntiag tug tso."

Credit: Peter Stark/Getty Images/fStop

Thaum yus yog tus txhaum

Yog tias yus yog tus txhaum thiab yus ho muaj insurance, ces yus muaj peev xwm claim tau nrog yus lub tuam txhab insurance.

Txawm li cas los yog hais tias yus ho yog tus txhaum thiab ho tsis muaj insurance, ces tej zaum yus yuav tau txais ib daim ntawv kho tsheb ntawm lwm tus neeg tsav tsheb xa tuaj rau yus kom yus them. Tab sis yeej tseem muaj peev xwm sib khom tau thiab.

Nws hais tias “Qhov zoo tshaj ces coj tej duab thiab tej ntawv teev txog tus nqe kho tsheb coj mus ntsib yus tus kws kho tsheb thiab ho coj mus sab laj nrog tus neeg kho tsheb ob ntxiv seb lawv xav li cas. Thiab yus yeej muaj peev xwm sib khom txog cov kev yuav them tej nqe no, yog tias yus tsis muaj peev xwm them txwm ua ntej kiag, ces yus yeej muaj peev maj mam them kom them tag rau lawv los tau. Tab sis kuv yeej xav taw qhia kom mus sab laj nrog kws lij choj thiab."

Car crash against telephone pole by road

Lub koom haum Financial Rights lub vas sab yeej muaj ib co qauv ntawv rau yus siv thiab muaj cov twj hauv online hu ua Motor Vehicle Accident Problem Solver pab yus txheeb ntau yam xwm txheej sib txawv, tsuas nyob ntawm seb yus ho nyob lub xeev twg thiab ho raug tej xwm txheej zoo li cas xwb. Credit: Erik Von Weber/Getty Images

Cov Compulsory Third Party (CTP) Insurance

Yog tias koj raug mob rau koj lub cev ntaj ntsug los yog ua rau koj tau ntshai (poob plig) thaum ua tsheb sib nraus lawm, ces tej zaum koj muaj peev xwm mus thov tau cov nyiaj Compulsory Third Party (CTP) Insurance ntawm lub xeev koj nyob thiab.

Tej tswv tsheb them lawv cov nyiaj CTP Insurance thaum lawv teev zwm lawv tej tsheb. Tab sis cov nyiaj CTP no yuav tsis them tej nqe kho tsheb, tsuas them tej vaj tse uas raug kev puas tsuaj, thiab them nyiaj kho tej neeg ruag mob vim ua tsheb sib nraus uas tsis cuam tshuam nrog tej kev siv tsheb mus ua hauj lwm xwb.

Lub koom haum Victorian Transport and Accident Commission (TAC) yog ib lub koom haum uas saib xyuas cov nyiaj CTP uas tsis txheeb tias yog leej twg yog tus txhaum thaum ua tsheb sib tsoo li. TAC yeej pab tej neeg Victoria uas raug mob thaum ua tsheb sib tsoo tsis hais yuav yog tus twg yog tus ua rau tsheb sib tsoo li.

Damien Poel lub koom haum TAC uas saib xyuas cov hauj lwm Complex Recovery & Serious Injury tshab txhais tias “Peb them nyiaj rau cov kev siv kws kho mob li GP los yog cov kws kho ib yam mob twg tsi ntsees (specialist services), them nqe siv tsev kho mob, thiab them tej nqe ntsuam mob, ua ke no os kuj them tej nqe zuaj thiab pab kom yus rov qab siv tau yus lub cev, nqe sab laj daws kev nyuaj siab, tej nqe pab kom yus rov qab mus ua tau hauj lwm, tej nqe nrhiav neeg tu thiab pab cuam yus tus kheej li pab tu qab vag tsib taug, pab tu vaj tse ntxhua khaub ncaws, thiab pab nyiaj hauj lwm rau yus los yog them nyiaj paj tshab pauj rau yus."

Hos yog tias tej neeg ho ua tsheb sib nraus thiab raug mob cuam tshuam nrog cov kev ua hauj lwm ces yuav tsum tau thov cov workers compensation claim nrog yus tus tswv lagluam lub tuam txhab insurance.