{"id":1192,"date":"2017-03-28T12:04:53","date_gmt":"2017-03-28T10:04:53","guid":{"rendered":"https:\/\/www.namfisa.com.na\/educates\/?post_type=right_responsibility&p=1192"},"modified":"2025-07-18T15:52:26","modified_gmt":"2025-07-18T13:52:26","slug":"know-your-rights-and-responsibilities","status":"publish","type":"post","link":"https:\/\/www.namfisa.com.na\/educates\/know-your-rights-and-responsibilities\/","title":{"rendered":"Know your Rights and Responsibilities"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Cheezy\u2019s Showcase: Part One<\/h3><\/div>
<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

What it means to know your rights and responsibilities<\/h3><\/span><\/div>
Knowing Your Rights and Responsibilities as a Consumer<\/span>Cheezy who had a long day with his colleagues at the office decided to make a turn at the super market before heading home, he was just about to leave his office, a door swung open and caused Cheezy to jump in surprise. As loud as usual, it was his co-worker, Charles calling in the whole way. \u201cAre you leaving already? I thought today we will reach at least seven o\u2019clock. Give me some few minutes then I will join you.\u201d\nCheezy who is temperamental by nature, became angry and upset about this pressure to change his schedule, as he knew that Charles is always delayed and not time-conscious as such. He looked up, scratching his head and replied unwillingly, \u201cAs if I have a choice, I\u2019ll wait, but you must hurry; I will be reading my novel while waiting for you.\u201d\nAfter couple of minutes, there comes Charles, \u201cNow we may go, my friend\u201d. You know my Benz will go faster than your Ranger, so, you better hurry up.\u201d\nOff they go to the parking lot, Cheezy at the front. Getting on the highway Charles swung in front of Cheezy, who is by then very annoyed by Charles\u2019 way of reckless driving, with a pen and a piece of paper in his hand jotting down his to do list.\nAt first, Cheezy was courteous enough to let him in front, but Charles showed no appreciation but instead give him a bad look and continued with what he was doing. Now Cheezy got very fed-up, looked at his watch, and noticed that the super market was closing in the next ten minutes. Charles, who was ahead of him was letting the entire world get in front of his car, including, taxis and tractors and buses.\nThen Cheezy, who was fed up by then, decided to swing in front of Charles.\nJust at that very moment, Charles decided to accelerate and their cars collided with an oncoming taxi which was in the wrong lane.\nThe police officers were on the scene in no time.\nAlthough Cheezy was not happy with Charles\u2019 act, upon investigation it was decided that each of them should carry his own liability.\nCheezy took up his case against the taxi driver who was in fact not the owner of the vehicle.\nAn agreement was reached between the owner of the vehicle and Cheezy that the owner of the car will carry the liability.\nThe car was taken into the garage whereby Cheezy paid the excess and was refunded by the owner of the car.\nHis friend Charles was battling with the repair of his very expensive Benz, and he opted to take it to his friend who had a panel beating workshop in his back yard, but by then his pockets had run completely dry and he could no longer afford anything.\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

As a well-informed consumer:<\/h3><\/span><\/div>
Knowing Your Rights and Responsibilities as a Consumer<\/span>Know that you have to cover your valuables<\/strong>
\nIt is essential to cover your valuables for unforeseen circumstances like damage.

\n\nKnow what insurance excess is.<\/strong>
\nInsurance excess<\/strong> is the additional sum of money that an insurance company requires policyholders to pay for a loss.
\nIt is usually paid to the garage repairing your car before it\u2019s driven out of the garage.

\n\nKnow what Subrogation is.<\/strong>
\nSubrogation<\/strong> is the act of one party (insurer) claiming the legal rights of another (you the policyholder) that it has paid for losses.
\nYou (the policyholder) should consult your insurer to know which claims are subrogated. Subrogation<\/strong> is only applied to some short-term insurance indemnity policies.
\nYour insurer will pay to have your car repaired.<\/strong>
\nYour insurer will then become \u201csubrogated\u201d<\/strong> and has the right to make a claim against the taxi driver who bumped your car.\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
Lessons from Cheezy\u2019s Experience<\/h5><\/div>
<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
  • <\/span>Always insure your assets \u2014 especially vehicles \u2014 to protect against accidents, theft, or damage.<\/li>
  • <\/span>Excess is the portion of the repair cost you must pay before your insurer covers the rest.<\/li>
  • <\/span>Subrogation allows your insurer to recover costs from the third party responsible for the damage.<\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t
    Final Takeaway<\/h5><\/div>
    Being a well-informed consumer means:<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t
    • <\/span>Knowing what you're covered for <\/li>
    • <\/span>Understanding how your policy works <\/li>
    • <\/span> Being prepared to act when things go wrong<\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
      \n\t\t\t\t
      \n\t\t\t\t\t
      <\/h5><\/div>
      Cheezy\u2019s experience shows that being informed makes all the difference when life takes an unexpected turn.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

      Cheezy\u2019s Showcase: Part One What it means to know your rights and responsibilities Knowing Your Rights and Responsibilities as a ConsumerCheezy who had a long day with his colleagues at<\/p>\n","protected":false},"author":1,"featured_media":1193,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":""},"categories":[425],"tags":[],"class_list":["post-1192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rights-and-responsibilities"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1192","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/comments?post=1192"}],"version-history":[{"count":7,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1192\/revisions"}],"predecessor-version":[{"id":35651,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1192\/revisions\/35651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/media\/1193"}],"wp:attachment":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/media?parent=1192"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/categories?post=1192"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/tags?post=1192"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}