Kar a Wɔagye a Ɛkɔ Akwanhyia Anaasɛ Nneɛma a Wɔsɛe no Ho Nsisi wɔ Amannɔne Ɔman bi mu¶

Sɛ obi kɔ kar akwanhyia mu bere a ɔreka kar a wɔagye ho ka, skuter, anaa moto wɔ amannɔne a, ɛkanyan atopae a polisifo mmara a wonnim, insurance ho mmara a wɔhyɛ, ne apoobɔ nhyehyɛe ahorow a ɛma nsrahwɛfo ɔpepem pii kyere nsrahwɛfo ɔpepem pii afe biara. Wɔ tumidi pii mu wɔ Latin Amerika, Europa Apuei Fam, Mfinimfini Apuei, ne Asia mmeae bi no, mpɔtam hɔ kar akwan ho mmara bara katee sɛ wɔde kar bɛkɔ sɛntimita biako mpo wɔ fender-bender ketewa bi akyi kosi sɛ kar polisifo anaa aban insurance adjuster (ajustador / . perito) twa ntwahonan no gyinabea pɔtee wɔ asphalt no so mfonini; sɛ wotwe wo ho kɔ wo mmati so esiane suban pa nti a, ɛma wohwere wo insurance sika no ara kwa na ɛma wudi mfomso ɔha biara mu nkyem 100 wɔ mmara kwan so. Nea enye koraa no, wɔ aman a wɔbu kar akwan a ɛbɔ ne opira sɛ nsɛmmɔnedi mmom sen sɛ ɛbɛyɛ ɔmanfoɔ bɔne no, polisifoɔ taa de karkafoɔ mmienu no nyinaa to afiase wɔ gyinabea dan mu kɔsi sɛ wɔbɛnya mfomsoɔ ne sika a wɔde bɛsan ama wɔn.

Sɛ wode wo kar a woagye no san ba a wunhia hwee mpo a, wɔn a wɔde wɔn ho a wɔde tua ho ka, sotɔɔ ahorow a wɔtɔn skuter, ne wɔn a wɔtɔn jet-ski a wonni nokware wɔ ahomegyebea ahorow no taa tow hyɛ akwantufo a wɔrepere wɔn ho akɔfa amanaman ntam wimhyɛn a ɛrekɔ no so. "Wɔhu" undercarriage scrape a na ɛwɔ hɔ dedaw, hairline bumper crack a ahintaw wɔ mfutuma ase, anaasɛ mfomso a ɛfa petrol a wɔmfa nni dwuma yiye ho, wɔhwehwɛ $1,500 kosi $5,000 wɔ sika ntɛm ara, na wɔpow sɛ wɔbɛsan de wo honam fam akwantu tumi krataa a wokura no sɛ "collateral" (anaasɛ wosiw wo taksi kwan kɔ wimhyɛn gyinabea) gye sɛ wutua ka wɔ hɔ ara. Saa akwankyerɛ yi de anammɔn anammɔn nhyehyɛeɛ a ɛbɛma woanya nkwa wɔ amannɔne dan a wɔagye ho akwanhyia mu a ɛremma wo sika a wode tua ho ka no nyɛ adwuma, awie European Accident Statement (Constat Amiable), akwantu tumi krataa a wɔafa no nnommum a wɔbɛsan agye a wontua sika a wɔde gye sika, na wɔboaboa nkrataa 6 krataa kwan pɔtee a wɔhwehwɛ ma credit card Collision Damage Waiver (CDW) sika a wɔde tua ho ka anaasɛ sikakorabea sika a wɔde bɛsan agye no ano.

Yɛ eyi mprempren¶

1. Hwɛ sɛ woapira ntɛm ara na frɛ mpɔtam hɔ aduruyɛfoɔ ne polisifoɔ a wɔhwɛ ntɛmpɛ so. Sɛ obi a ɔwɔ kar no mu anaa ɔkwan so no pira a, fa mmoa a ɛdi kan ma (hwɛ kar akwanhyia ahobammɔ) na frɛ nɔma a ɛwɔ mpɔtam hɔ ntɛm ara (112 wɔ Europa Aman Nkabom no nyinaa mu, . 911 wɔ United States, Canada, ne Mexico no, . 999 wɔ United Kingdom, anaa hwɛ yɛn wiase nyinaa nɔma ahorow a egye ntɛmpɛ nkyerɛwde a wɔde kyerɛw nsɛm).
2. Hwɛ sɛ ebia mpɔtam hɔ mmara bara sɛ wɔmfa kar ahorow no nkɔ ansa na polisifo anaa insurance adjusters aba. Gye sɛ ogya rehyew kar no anaasɛ ɛwɔ asiane mu ntɛm ara sɛ ɛbɛbɔ ɔkwan kɛse a ɛto so abien a edi awu, MMFA kar no nkɔ Mexico, Latin Amerika fã kɛse no ara, Europa Apuei Fam mmeae bi, anaa Asia kosi sɛ wobɛtwe tae no gyinabea pɔtee ho mfonini afi afã anan no nyinaa na woasi mpɔtam hɔ polisifo mmara so dua. Bere nyinaa hyɛ high-visibility reflective safety vest a wɔde asie wɔ glovebox anaa ɔpon kotoku mu ansa na woafi adi akɔ Europa akwan akɛse so, na fa kɔkɔbɔ ahinanan no si mita 30 kosi 100 (anammɔn 100 kosi 330) wɔ kar no akyi.
3. Frɛ adwumakuw a wɔde tua ho ka no nɔma a ɛwɔ kwan ho ntɛm 24/7 NA nya Polisifo Amanneɛbɔ nɔma a aban no akyerɛw ansa na woafi baabi a asiane no sii no. Ɛkame ayɛ sɛ kar a wɔagye ho apam ne credit card Collision Damage Waiver (CDW / LDW) nhyehyɛe biara wɔ dade asɛm bi a ɛkyerɛ sɛ sɛ woannya polisifo amanneɛbɔ a ɛyɛ aban de (anaasɛ Europa Akwanhyia Ho Amanneɛbɔ a wode wɔn nsa ahyɛ ase) a, ɛma wo insurance no ɔha biara mu nkyem 100 yɛ kwa coverage, mpo ma kar biako a wɔde bɛpetepete baabi a wɔde kar sisi odum so.
4. MMFA wo honam fam akwantuo tumi krataa no mma sɛ "deposit" mma adwumayɛbea a ɛgye adan, skuter sotɔɔ, anaa ofirikafoɔ a ɔtɔ so mmiɛnsa a ne bo afuo. Wo akwantuo tumi krataa no yɛ wo man aban no mmara kwan so agyapadeɛ a ɛwɔ tumi, ɛnyɛ w'ankasa wo agyapadeɛ. Fa mfonini a wɔde kɔla ayɛ ne Amanaman Ntam Karka Ho Tumi krataa (IDP) kɔ bere nyinaa de kyerɛ wɔ mmeae a wɔhwɛ nneɛma so; sɛ obi a ɔtɔn dan ka pow sɛ ɔbɛsan de wo akwantu tumi krataa no ama gye sɛ wutua dɔla mpempem pii wɔ atoro "adesɛe ho ka" mu a, fi abɔnten, frɛ mpɔtam hɔ Tourist Police (Policía Turística) ne wo embassy no 24/7 consular duty officer (hwɛ aban ananmusifo dwumadibea ne aban ananmusifo mmoa), anaasɛ bɔ amanneɛ sɛ akwantu tumi krataa no ayera/wɔawia no na ama woanya nea wɔde besi ananmu ntɛm ara sen sɛ wubetua sika kɛse.
5. Sɛ wɔhyɛ wo ma wotua sika a ɛboro so wɔ wimhyɛn gyinabea counter so sɛnea ɛbɛyɛ a worenpa wo wimhyɛn no mu a, fa credit card NKUTOO tua (mmfa sika anaa debit da) na kyerɛw "PAID UNDER PROTEST / DISPUTED DAMAGE" wɔ wo nsaano nkyerɛwee no atifi tẽẽ. Sɛ wode credit card tua a, ɛkora wo mmara kwan so hokwan a wowɔ wɔ Fair Credit Billing Act (US), Section 75 of the Consumer Credit Act (UK), anaa EU Payment Services Directive sɛ wobɛma nnaadaasɛm no ayɛ nwini na woasan agye sika bere a woasi fam wɔ fie no, sɛ wofaa mfonini ne video ahorow a wɔde bere ahyɛ so a wɔde san ba a.

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Amannɔne hayam kar akwanhyia ne ɔsɛe apoobɔ gyinaesi dua¶

flowchart TD
    Start["Amannɔne Kar a Wɔagye a Ɛho Hia Ntɛmntɛm"] --> Scenario{"Tebea Bɛn na Worehyia?"}
    Scenario -->|"Kar a Ɛbɔ anaa Kar Baako a Ɛbɔ Wɔ Ɔkwan So"| Injury{"So Obi Apira?"}
    Injury -->|"Yiw (Ankorankoro Opira Akwanhyia) ."| CallEMS["Frɛ 911 / 112 / 999 Ntɛm ara; MMFA Kar Ntu; Frɛ Embassy Sɛ Polisifo De Wo Ato Ase a"]
    Injury -->|"Dabi (Agyapade a Wɔsɛe Nkutoo) ."| MoveRule{"So Ɔman Bara Kar a Wɔde Tu Kɔsi sɛ Adjuster Bedu? (sɛ nhwɛso no, Mexico) ."}
    MoveRule -->|"Yiw (Tena Beae Pɛpɛɛpɛ) ."| StayPut["Gyae Kar wɔ Beae; Fa Vest a Ɛma Nhumu Nhyɛ; Tow Mfonini a Ɛyɛ 360-Deg; Frɛ Rental Insurance Adjuster & Polisifo"]
    MoveRule -->|"Dabi (EU / U.S. / UK Fender-Bender Ketekete) ."| PullSafe["Twa Mfonini Ntɛmntɛm a Ɛfa Ntwahonan Gyinabea Ho; Twe kɔ Mmati so; Hyɛ Constat Amiable no ma & Frɛ Polisifo"]
    StayPut --> Docs["Boaboa Polisifoɔ Amanneɛbɔ # NA Frɛ Rental Agency 24/7 Claims Line Wɔ Nnɔnhwereɛ 24 Mu"]
    PullSafe --> Docs
    Scenario -->|"Rental Shop / Scooter Vendor Hwehwɛ $$$ ma Fake Damage wɔ Sanba mu"| Passport{"So Wɔkura Wo Mfitiaseɛ Passport no Nnommum?"}
    Passport -->|"Yiw (Skuter / Jet-Ski Akwantuo Afiri) ."| TouristCop["Pow Sika a Wogye fi Afoforo; Frɛ Mpɔtam Hɔ Nsrahwɛfo Polisifo & Aban Nnanmusini; Hyɛ no nsow sɛ Wobenya Tumi Krataa a Ɛho Hia Ntɛmntɛm -$165 vs $3,000 Scam"]
    Passport -->|"Dabi (Wimhyɛn Gyinabea Kar a Wɔde Hyehyɛ Counter Akyinnyegye) ."| Video["Kyerɛw 4K Walkaround Video a ɛkyerɛ sɛ wɔasɛe + Odometer/Fuel; Demand Itemized Repair Akontaabu & Po so Ahyɛn a Wɔsɛe no ho Nkyerɛwde"]
    Video --> Protest["Mma Ntua Sika Da; Sɛ wɔhyɛ no sɛ ɔmfa ne nsa bɛhyɛ Credit Slip ase sɛnea ɛbɛyɛ a wobɛkyere wimhyɛn a, Kyerɛw ‘UNDER PROTEST’ denam Signature & File Bank Chargeback so"]

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Anamɔn-anamɔn protocol ntɛm ara wɔ amannɔne kar a wɔagye ho akwanhyia akyi¶

Sɛ wo ne kar foforo, sakrekafo, mmoa, anaa mpo abo fasu a egyinagyina wɔ kar a woagye ho ka mu bɔ a, wo nneyɛe wɔ simma 30 a edi kan no mu na ɛkyerɛ sɛ ebia wo insurance no tua nea woahwere no ho ka anaasɛ ɛbɛma woanya kar no bo a ɛyɛ dɔla 35,000 nyinaa ho asodi.

1. Europa akwan kɛse so vest-ne-triangle mmara vs. "Ntu" mmara no¶

• Vest ne Triangle a ɛyɛ ahyɛde a ɛma wotumi hu ade yiye wɔ Europa (EU / EEA / UK): Wɔ France, Spain, Italy, Germany, Portugal, Austria, ne Europa fã kɛse no ara no, ɛyɛ mmara so bu sɛ wubefi kar a ahwe ase anaa abubu mu akɔ ɔkwan kɛse anaa mmati so a wunhyɛ EN ISO 20471 ahobammɔ atade a ɛma hann dedaw. Anyɛ yiye koraa no, wɔhwehwɛ sɛ nnwumakuw a wɔde adan haya no de neon yellow/orange vest biako sie wɔ ɔdan no mu (hwɛ nsateaa adaka anaa ɔpon kotoku mu) ne kɔkɔbɔ ahinanan kɔkɔɔ a wotumi bubu wɔ trunk no mu. Fa vest no hyɛ kar no mu ansa na woabue wo pon no, nantew guardrail no akyi, na fa kɔkɔbɔ ahinanan no si kar no akyi mita 30 kosi 50 (anammɔn 100 kosi 165) wɔ akwan a wɔfa so daa so, anaa mita 100 kosi 150 (anammɔn 330 kosi 500) akyi wɔ kar akwan so (Autobahn / . Autoroute / . Autopista).
• "Ntu Kar no Da" afiri no (Mexico, Central/South America, Caribbean, parts of Asia): Wɔ United States, Canada, ne UK no, wɔatete karkafo ma wɔatwe fender-bender nketewa afi kar akwan mu akɔ mmati so ntɛm ara. Wɔ Mexico ne Latin Amerika ne Asia aman pii mu no, fa wo kar no kɔ insurance adjuster a ɔwɔ beae hɔ no anim (ajustador) ne kar polisifo (Tránsito) arrive is treated as tampering with a crash scene. Sɛ wotwe wo kar a woagye no kɔ curb no so ansa na adjuster no aba na watwa kar ahorow a ɛne wɔn ho wɔn ho di nkitaho no mfonini a, mpɔtam hɔ insurance adwumakuw no betumi apow wo krataa no wɔ mmara kwan so esiane sɛ wontumi nsan nyɛ mfomso bio nti. Gyae kar no wɔ baabi a egyinae no pɛpɛɛpɛ (gye sɛ mu a wobɛtra mu no de asiane a edi awu ba ntɛm ara sɛ wɔbɛbɔ wo apete wɔ ɔkwan a ɛyɛ anifuraefo a ɛde ahoɔhare kɛse tu so), dan wo 4-way hazard flashers, fi adi kɔ kwan no nkyɛn, na twa ntwea anan no nyinaa mfonini a ɛkyerɛ ɔkwan no nhama a wɔayɛ ho adwini no nyinaa ansa na obiara de ne nsa aka kar no mu biara.

2. Nea enti a ɛsɛ sɛ wunya Polisifo Amanneɛbɔ BERƐ BIARA (mpo solo curb anaa ɔfasu scrape) .¶

Fa no sɛ wode kar a wɔagye no rocker panel no twitwiw abo ɔfasu teateaa bi a ɛwɔ Italy nkoko so kurow bi mu anaasɛ wosan kɔ nnua a wɔde ayɛ dua bi mu wɔ Costa Rica a kar foforo biara nni mu. Obi a ɔretwam a ɔwɔ adamfofa su anaa mpo mpɔtam hɔ ɔkyerɛwfo a ɔyɛ ɔkwasea wɔ telefon so betumi aka sɛ, "Mma ɛnhaw wo sɛ wobɛfrɛ polisifo, wowɔ insurance, fa kar no san bra kɛkɛ." Eyi yɛ sikasɛm mu afiri a wɔtaa de di dwuma.

• Adwumakuo a wɔde tua ho ka no ankasa Collision Damage Waiver (CDW / LDW) ne wo fie Credit Card Auto Rental Collision Damage Waiver nyinaa kura nhyehyɛeɛ a emu yɛ den a wɔayi afiri mu a ɛkyerɛ sɛ abɔne anaa ɔsɛeɛ biara a wɔammɔ amanneɛ ankyerɛ mpɔtam hɔ polisifoɔ berɛ a asɛm no siiɛ (anaasɛ wɔ nnɔnhwereɛ 24 mu) no, wɔayi afiri a wɔde bɛbɔ ho ban.
• Sɛ mpo mpɔtam hɔ kurow no mu polisifo pow sɛ wɔbɛka kar akɔ baabi ketewaa bi a wɔde kar sisi a obiara mpirae a, fa kar a woagye no kɔ mpɔtam hɔ polisifo adwumayɛbea a ɛbɛn hɔ no tẽẽ (Comisaría / . Gendarmerie / . Carabinieri / . Polizei) w’ankasa, kyerɛ desk officer no scratch anaa dent no, na nya stamped Incident / Self-Declaration Report Receipt a aban no nɔma a wɔde kyerɛ ansa na woasan de kar no aba.

3. Sɛnea wɔhyehyɛ "Europa Akwanhyia Ho Amanneɛbɔ" (Constat Amiable / . Parte Amistoso) a womfa wo nsa nhyɛ wo hokwan ahorow ase wɔ akwanhyia mu¶

Wɔ aman 27 a wɔka Europa Aman Nkabom Kuw no ho, Switzerland, UK, Morocco, ne Turkey nyinaa mu no, kar a wɔde tua ho ka nsateaa adaka biara kura kratasin a wɔde carbon-copy a wɔde kasa abien/a wɔahyɛ da ayɛ a wɔfrɛ no European Accident Statement (Constat Européen d'Accident wɔ Franse kasa mu, . Declaración Amistosa de Accidente wɔ Spania kasa mu, . Modulo Blu / CAI wɔ Italia kasa mu no, . Europäischer Unfallbericht wɔ German kasa mu).

1. Nhyehyɛe no yɛ pɛ wɔ kasa biara mu: Europa Akwanhyia Ho Amanneɛbɔ biara de adaka nɔma koro pɛpɛɛpɛ (Adaka 1 kosi 15) di dwuma ɛmfa ho sɛ ebia wɔatintim kratasin no wɔ Hela, Poland, Franse, anaa Spania kasa mu. Wogyina hɔ ma Kar A (Blue Column wɔ benkum so) anaa Kar B (Yellow Column wɔ nifa so), a ɛwɔ mfinimfini adum a wɔkyɛ (Adaka 12: Circumstances / Circonstances) a nnaka 17 a wɔde nɔma ahyɛ mu a ɛkyerɛ nea na kar biara reyɛ bere a ɛbɔe no wom.
2. Hwɛ yiye wɔ Box 12 Checkbox Trap no ho: Ɛkame ayɛ sɛ insurance nnwumakuw a ɛwɔ Europa no na ɛkyerɛ mmara kwan so asodi nyinaa denam checkbox 17 a ɛwɔ Center Column 12 no mu nea karkafo baanu no nyinaa de hyɛ wɔn agyirae na wɔde wɔn nsa ahyɛ ase no so. Sɛ ofirikafo foforo no nka wo kasa a, ɔserew anigye so, ɔhyɛ adaka bi a ɛwɔ wo column no mu ma wo, na ɔtwe adwene si asɛm a ɛwɔ ase hɔ no so (Box 15: Signatures of Drivers) ka kyerɛ wo sɛ "Fa wo nsa hyɛ ase wɔ ha na woanya insurance," GYINA. Sɛ wɔhyɛɛ Adaka 2 (Leaving a parking place / opening a door), Adaka 8 ( .Struck the rear of the other vehicle), Adaka 10 (Changing lanes), anaa Adaka 17 (Did not observe a right-of-way sign or red light) wɔ wo column no ase no, sɛ wode wo nsa hyɛ ase a, ɛkyekyere wo wɔ mmara kwan so sɛ woadi mfomso ɔha biara mu nkyem 100.
3. Sɛnea wobɛkyerɛ ase na woawie Adaka 12 no dwoodwoo:
4. Twe European Accident Statement no Engiresi PDF nsusuwso a ɛyɛ aban de wɔ wo fon so (anaasɛ fa Google Lens mfoninitwa afiri nkyerɛase di dwuma) na kenkan nsɛmfua pɔtee a ɛwɔ Adaka 1 kosi 17 mu ansa na woahyɛ adaka biara mu agyirae.
5. Wɔ Ɔfa 12 no ase pɛɛ no, kyerɛw nnaka dodow a woahyɛ no agyirae no nyinaa pɛpɛɛpɛ (e.g., . 1 anaasɛ 0) wɔ nsɛm a wɔaboaboa ano adaka ketewa no mu sɛnea ɛbɛyɛ a ofirikafo foforo no ntumi nhyɛ nnaka afoforo a ɛwɔ wo kɔla no mu bere a wɔatew carbon nkrataa no mu awie no.
6. Sɛ wo ne ofirikafoɔ foforɔ no nkyerɛaseɛ a ɛfa akwanhyia no ho no nnye ntom anaasɛ wuntumi nkenkan kratasin no a, MMFA SIGN NHWƐ Adaka 15. Mmara kwan so nhwehwɛ da sɛ wode wo nsa hyɛ akwanhyia ho asɛm a "ɛyɛ asomdwoeɛ" ase sɛ wogye mfomsoɔ ho akyinnyeɛ a; mmom no, frɛ mpɔtam hɔ polisifo ma kyerɛw amanneɛbɔ a ɛyɛ aban de na kyerɛw w’ankasa w’asɛm wɔ Borɔfo kasa mu wɔ Adaka 14 (My Remarks / Mes Observations) na ɛyɛ.

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Amannɔne kar a wɔagye ho ka, skuter, ne jet-ski a wɔde gye nkurɔfo nneɛma ho nsisi a wobedi so nkonim¶

Wɔ nsrahwɛfo mmeae a agye din wɔ wiase nyinaa no, akwantufo taa hyia nhyehyɛe ahorow abien a ɛsono emu biara a wɔde gye sika a wɔde tua ho ka: Scooter / Jet-Ski Hostage Passport Scam ne Airport Rental Car Counter "Phantom Damage" Shakedown.

Nsisi 1: Scooter / ATV / Jet-Ski "Hostage Passport" Apoobɔ Nsisi¶

Wɔ ahomegyebea nkurow a ɛwɔ Asia Kesee Fam Apuei (Thailand, Bali, Vietnam), Mediterranea nsupɔw so, ne Caribbean mu no, wɔn a wɔtɔn moto, skuter, ATV, ne mpoano jet-ski a ɛwɔ mmɔnten so no taa ka kyerɛ nsrahwɛfo sɛ: "Gyae wo mfitiase akwantu tumi krataa no ma yɛn sɛ ahobammɔ, anaasɛ tua sika $1,000." Bere a wode kar asi mpoano anaa adidibea bi, obi a ɔka ho rental shop de spare key di dwuma de tu scooter no (a wɔkyerɛ sɛ "wɔawia") anaasɛ wɔde anhwea/paint petepete plastic fairing a ɛwɔ ase no so. Sɛ wosan de sakre no ba a, sotɔɔ wura no de ne nsa kyerɛ nsensanee dedaw bi a ɛwɔ nan ase (anaasɛ nsensanee bi a ɛwɔ nsu ase wɔ jet-ski hyɛn no akyi), ɔhwehwɛ sika $800 kosi $3,000, ɔde adwumayɛfo a wɔyɛ basabasa twa wo ho hyia, na ɔpow sɛ ɔbɛsan de wo akwantu tumi krataa no ama kosi sɛ wobɛkɔ ATM.

Sɛnea wobesiw Hostage Passport afiri no ano na wɔaguan¶

1. Asiw ano (Ansa na wobɛgye): Mfa wo honam fam akwantu tumi krataa a edi kan no mma da, wɔ tebea biara mu no, mfa wo honam fam akwantu tumi krataa mma ankorankoro bi a ɔtɔn adan a wɔde tua ho ka sɛ ɔnkora so anadwo biako. Ɛkame ayɛ sɛ ɛyɛ mmara so bu wɔ ɔman biara mu (a Thailand, Indonesia, ne EU aman ka ho) sɛ ankorankoro aguadifo bi begye ɔman foforo so ɔman ba bi akwantu tumi krataa sɛ ɛka a wɔde abɔ ho ban, na bere koro no ara mu no, mpɔtam hɔ mmara hwehwɛ sɛ ahɔho de wɔn kɔ akwantu tumi krataa anaa ID. Fa wo akwantu tumi krataa no mfonini a ɛwɔ kɔla ma ne sika ketewaa bi a wode bɛto hɔ ($50 kosi $100); sɛ sotɔɔ no si so dua sɛ wubekura wo akwantu tumi krataa ankasa a, nantew mita 50 wɔ abɔnten so kɔ sotɔɔ bi a enni bi mu.
2. Guan Anamɔn 1 (Frɛ Tourist Police a wɔatu wɔn ho ama, ɛnyɛ mmɔnten so polisifo a wɔyɛ daa): Sɛ mprempren adetɔnfo bi kura wo akwantu tumi krataa no dommum na ɔrehwehwɛ $1,500 ama $20 skuter plastic a, nnye akyinnye anaasɛ nkɔ honam fam ntɔkwaw mu, na nkɔ ATM. Fa anammɔn 10 san kɔ ɔmanfo abɔnten bi a CCTV mfoninitwa mfiri wɔ so na frɛ ɔman no Nsrahwɛfo Polisifo (sɛ nhwɛso no, 1155 wɔ Thailand, faako a Nsrahwɛfo Polisifo a wɔka Borɔfo kasa di skuter akwantu tumi krataa ho nsisi ho dwuma da biara da na wɔhyɛ adetɔnfo daa ma wɔsan de akwantu tumi krataa no ma de gye \(20-\)30 ankasa fã bi ho ka).
3. Guan Anamɔn 2 ("Replacement Passport Math" bargaining play): Te sikasɛm mu akontabuo a ɛyɛ nwini a ɛsɛe scammer no tumi a ɔwɔ wɔ wo so no ase: pasport a wɔde besi ananmu ntɛm ara wɔ wo man aban ananmusifoɔ dan mu no bo bɛyɛ $160 kɔsi $200 USD (anaa £100 / €100) na wɔbɛtumi de ama wɔ nnɔnhwereɛ 2 kɔsi 24 (hwɛ akwantu tumi krataa anaa akwantu ho nkrataa a ayera). Sɛ ɔdaadaafo bi hwehwɛ $2,000 sɛ wɔmfa wo akwantu tumi krataa no mma na mpɔtam hɔ polisifo pow sɛ wɔbɛboa a, fa odwo ka kyerɛ nea ɔtɔn no sɛ: "Me akwantu tumi krataa yɛ [U.S./UK/Canada/Australia] aban no agyapade. Minni $2,000. Sɛ wopow sɛ wode m'aban akwantu tumi krataa bɛsan ama mprempren a, merekɔ m'ananmusifo dwumadibea tẽẽ akɔbɔ amanneɛ sɛ w'adwuma din awia me akwantu tumi krataa na." sɛ wubenya akwantu tumi krataa foforo koraa a wɔde gye ntɛmpɛ de gye $165, na wubenya $0." Mpɛn pii no, esiane sɛ ohu sɛ wɔrebenya sika biara ne polisifo a wɔwɔ aban ananmusifo amanneɛbɔ nti, nea ɔtɔn no no bo so tew mpofirim kodu $30 anaasɛ ɔde akwantu tumi krataa no san ma.

Scam 2: Wimhyɛn gyinabea kar a wɔde tua ho ka "Pre-Existing Undercarriage / Wheel / Misfueling" apoobɔ¶

Sɛ wosan de kar a woagye no ba anɔpa 05:30 akɔfa amanaman ntam wimhyɛn akɔ fie a, franchise adwumayɛfo a wonni nokware nim sɛ wowɔ simma 20 pɛ ansa na wɔato bag-drop mu. Akwan a wɔtaa fa so no bi ne sɛ wobɛkotow de "ahwehwɛ" scrape wɔ anim bumper anofafa a ɛwɔ fam no ase (a mfonini a ɛteɛ ntumi nhu), ka sɛ mframa ahwehwɛ ketewaa bi a ne kɛse yɛ milimita 2 hwehwɛ sɛ wɔde €1,200 ADAS mframa ahwehwɛ sesa, anaasɛ wɔde $2,500 a ɛyɛ nwonwa a wɔde gye sika wɔ credit card so bɛmena wo wɔ adapɛn abiɛsa akyi bere a woadu fie denam "after-hours key drop" adaka a wode bedi dwuma no so.

Simma 4 pickup ne sanba video akode protocol¶

1. Wɔ Pickup (Ansa na wobɛka kar afi kar dan mu):
2. Sesa wo smartphone camera kɔ 4K video a LED flash no ayɛ ON (awiabere mpo, na ama hyerɛn ntwahonan abura a ɛyɛ sum ne paint swirls a ɛhyerɛn).
3. Kyerɛw video biako, a ɛkɔ so simma 2 nantew fi ase wɔ anim tumi krataa mprɛte no so, de nkakrankakra panning fa bamper ntwea biara so, ntwahonan rim biara ne tae no nkyɛnkyɛn (ma curb rash), anim mframa ahwehwɛ nyinaa, ɔdan atifi, ne kotow kɔ fam sɛ wobɛyɛ sini wɔ anim ne akyi bamper valances ase.
4. Fa video koro no ara a ɛkɔ so no ba awiei denam ofirikafo no akongua a wobɛkɔ so, ahyɛ engine no ase, na woayɛ dashboard odometer mileage, fuel gauge level, ne kɔkɔbɔ akanea biara a enni hɔ ho sini no so.
5. Hyɛ lot attendant no ma ɔhyɛ biara ding, wheel scuff, ne emu nkekae a ɛwɔ hɔ dedaw no agyirae wɔ Vehicle Condition Check-Out Sheet a wɔatintim no so na ɔde ne nsa hyɛ ase ansa na woafi apon no ano.
6. Wɔ Sanba (Mfi hɔ da a wunni "Zero New Damage" krataa a wode wo nsa ahyɛ ase):
7. Tow simma 2 a ɛkɔ so nantew 4K video a ɛte saa ara wɔ wimhyɛn gyinabea sanba kwan no so, na fa odometer, pɛtro gauge a ɛyɛ ma, ne wo pɛtro gyinabea krataa a etwa to a wode ahyɛ dashboard no so pɛɛ no tuo ba awiei.
8. Sɛ ɛsɛ sɛ wosan de kar no ba 04:00 AM denam Key-Drop Box a obiara nhwɛ so a, twa mfonini ahorow a ɛtrɛw a ɛkyerɛ kar a enni dɛm no sɛ esi hɔ pefee wɔ rental agency sanba stall a wɔde nɔma ahyɛ mu no mu, ne video a ɛkyerɛ sɛ wode safe no guu baabi a wɔato mu no mu.
9. Nea ɛsɛ sɛ woka na wɔkyerɛw sɛ ɔsomfo no hwehwɛ sɛ wotua sika ntɛm ara wɔ nneɛma a wɔsɛee a akyinnyegye wɔ ho no ho a:
10. Hwehwɛ sɛ wobɛhu kar no Abakɔsɛm mu Ɔsɛeɛ Nhoma (Fleet Condition History) afiri wɔn a wɔadi kan agye kar no hɔ; franchise adwumayɛbea ahorow taa gye nsrahwɛfo baanum a wɔtoatoa so no €800 biara wɔ bumper scratch koro no ara a wɔansiesie no ho.
11. Mfa sika anaa debit card ntua sika da. Sɛ counter manager no pow sɛ ɔbɛhwɛ kar no mu anaasɛ ohunahuna wo sɛ ɔbɛkura wo mu kosi sɛ wobɛma kwan ama credit card krataa a, kyerɛw nsɛmfua no "SIGNED UNDER PROTEST - PRE-EXISTING DAMAGE DISPUTED" wɔ credit card receipt anaa digital signature pad no atifi, twa wo ɔsɔretia a woakyerɛw no ho mfonini, na foro wo wimhyɛn.

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Credit card CDW claims ne chargebacks: nkrataa 6 a ɛsɛ sɛ wode sie¶

Sɛ wopow adwumakuw a wɔde kar tua ho ka a ne bo yɛ den $35 da biara wɔ counter CDW no sɛnea ɛbɛyɛ a wode wo Premium Travel Credit Card no Built-In Auto Rental Collision Damage Waiver (te sɛ Chase Sapphire, Capital One Venture X, American Express, anaa Visa Infinite / World Elite Mastercard) bedi dwuma a, te sɛnea credit card insurance yɛ adwuma ankasa no ase: ** adwumakuw a wɔde kar tua ho ka no begye wo sika credit card a edi kan wɔ nneɛma a asɛe no ho (e.g., $1,800), na wo credit card no Mfaso sohwɛfo a ɔto so abiɛsa no bɛsan atua wo ka sɛ wode nkrataa 6 a edi mũ a wɔde gye sika no gu so wɔ nnafua 30 kosi 60 ntam nkutoo**.

Ansa na wubefi amannɔne (anaasɛ wɔ nnɔnhwerew 48 akyi bere a woasan aba no) no, hwɛ hu sɛ wobɛboaboa nkrataa asia a ɛyɛ ahyɛde nyinaa no dijitaal PDF mfonini ano na wode asie:

• 1.1. Mfitiaseɛ Mfitiaseɛ Rental Agreement (Check-Out Contract): Ɛkyerɛ sɛ wode saa credit card a ɛfata pɛpɛɛpɛ no na ɛtuaa dan ka no nyinaa na wodaa no adi pefee pow rental agency no CDW/LDW a wopɛ.
• 2.1. The Final Closed Rental Invoice (Check-In Receipt): Ɛkyerɛ sika a etwa to a wɔbɔɔ ho ka wɔ kar no sanba mu.
• 3.1. The Rental Agency’s Official Accident / Incident Report Form: Wɔhyehyɛe wɔ rental counter bere a wosan de kar a asɛe no bae no.
• 4.1. The Official Local Police Report (anaasɛ Europa Akwanhyia Ho Amanneɛbɔ a wɔde wɔn nsa ahyɛ ase): Sɛ asɛm bi a esii fa kar foforo, nneɛma a wɔsɛee, nea wɔabɔ na wɔaguan, anaa nneɛma a wɔsɛee kɛse ho a.
• 5.1. An Itemized, Line-by-Line Repair Estimate anaa Paid Repair Bill a efi repair shop ankasa mu: Mmara titiriw: Credit card mfaso so ahwɛfo RENTENtua flat "Damage Matrix" lump-sum fee (sɛ nhwɛso no, rental company receipt a ɛka kɛkɛ "Bumper Zone B Scratch = €950"). Ɛsɛ sɛ wohwehwɛ fi adwumakuw a wɔde tua ho ka no dwumadibea a ɛhwɛ sika so no hɔ adwumakuw a wɔagye ho ka a wɔde siesie nneɛma a wɔde siesie nneɛma ho sika a ɛpaapae afã horow no nɔma pɔtee, nneɛma a wɔde yɛ paint, ne adwumayɛfo nnɔnhwerew, ne adwumakuw no Fleet Utilization Log sɛ wɔbɔ mmɔden sɛ wobetua wo ka wɔ "Loss of Use" (nna a kar no traa sotɔɔ no mu) ho a.
• 6. Wo Credit Card Billing Statement: Ɛkyerɛ dan ka ho asɛm a wɔde ahyɛ krataa so ne sika a wɔsɛee no a wɔde ahyɛ krataa so.

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Amannɔne kar polisifo gyinabea, adanmude a wɔde ma wɔ kwan ho "on-the-spot fine", ne nsisi a wɔmfa pɛtro nni dwuma yiye¶

Ɔkwan so ntɛmpɛ afoforo abien taa kyere amannɔnefo a wɔagye adan no ma wɔhwere sika anaasɛ wɔde wɔn bɛto afiase wɔ ɔkwan a ɛnteɛ so:

1. Nsonsonoe a ɛda "On-the-Spot Foreign Traffic Fine" a ɛfata ne polisifo adanmude a wɔwosow no ntam¶

Wɔ Europa Aman Nkabom aman pii mu (te sɛ Italy, Spain, France, ne Austria) no, amannɔne karkafo a wɔnyɛ ɔman no mufo a wonni mpɔtam hɔ fie address a wɔde mena no, mmara hwehwɛ sɛ wotua kar akwan ho ka wɔ hɔ ara (wɔtaa nya sika a wɔatew so ɔha biara mu nkyem 30 kosi 50 wɔ sika a wotua ntɛm ara ho) enti wontumi mfa wimhyɛn nkɔ fie kɛkɛ a wontua. Nanso, wɔ mmeae afoforo no, kar akwan so adwumayɛfo a wɔyɛ adifudepɛ twe kar a nsrahwɛfo haya (a wotumi hu denam barcode a wɔde haya ho sticker a ɛwɔ mframa ahwehwɛ so) so esiane sɛ wɔabu ahoɔhare a wɔde tu mmirika a ɛyɛ nwonwa so nti na wohunahuna sɛ wobegye wo karka tumi krataa anaasɛ wɔde kar no bɛto wo nsam gye sɛ wode sika dɔla 100 kosi 300 ma.

• Sɛnea wobɛhu nsonsonoeɛ no: Amannɔne kar akwantuo ho ka a ɛfata wɔ beaeɛ hɔ no, bere nyinaa wɔde tekiti a wɔde fa aban so, a wɔahyehyɛ no nnidiso nnidiso, a wɔatintim afã ahodoɔ pii ka ho (Verbale / . Boleta / . Procès-Verbal) na, wɔ Europa no, wotua denam credit card POS terminal a wotumi fa so a wɔde fa patrol kar no mu so.
• Sɛnea wobɛdi sika adanmudeɛ wosow so nkonim dwoodwoo:
• Mfa wo fie karka tumi krataa a edi kan nhyɛ mfɛnsere mu da sɛ wususuw sɛ ɔkwan bi a asɛe a; fa wo International Driving Permit (IDP) nhomawa ne wo tumi krataa ne akwantu tumi krataa no mfonini a ɛwɔ kɔla ma ɔsraani panyin no di kan (sɛ wɔbɔ mmɔden sɛ wɔbɛfa wo $20 krataa IDP no dommum de agye adanmude a, wubetumi atua sika de akɔ akyirikyiri bere a wode wo plastic karka tumi krataa ankasa no sie wo mpaboa anaa kotoku a ahintaw mu no).
• Fa animtew ne serew bisa official written ticket receipt de tua wɔ municipal bank anaa police station: "Officer, eyi yɛ adwumakuw a wɔagye kar na m'adwumawura/insurance hwehwɛ sɛ official stamped ticket receipt (recibo oficial) wɔ wɔn akontaabu ho ansa na wɔatumi atua asotwe biara. Momma yɛnkyerɛw aban tekiti no anaasɛ metumi adi w'akyi akɔ station cashier no nkyɛn." Ɛkame ayɛ sɛ bere nyinaa na polisifo adifudepɛfo a wontumi nkɔ atoro gyinabea bi mu nkɔ station ledger mu no de "kɔkɔbɔ" wosow wo kɔ so.

2. Amannɔne pɛtro adwumayɛbea "Misfueling" anaa "Pump Zeroing" nsisi¶

Sɛ woregye dan wɔ Europa anaa amannɔne a, hwɛ petrol a wɔde hyɛ mu pon no mu ansa na woabɔ: wɔ Europa no, Green pɔmpɛ nsa no yɛ Unleaded Gasoline (Sans Plomb 95/98 / . Benzina / . Super), bere a Pɔmpɛ nsa tuntum no yɛ Diesel (Gazole / . Gasóleo / . Gasolio), a ɛne U.S. gyinabea ahorow pii bɔ abira koraa. Sɛ wode pɛtro gu kar a wɔde diesel haya mu wɔ akwanhyia mu a, MMFA ignition key no ON (hwɛ pɛtro a ɛnteɛ wɔ kar mu pɛtro a wɔmfa nni dwuma yiye mu). Wɔ amannɔne pɛtro adwumayɛbea ahorow a wɔyɛ adwuma nyinaa no, bere nyinaa fi kar no mu, hwɛ sɛnea ɔsomfo no hwɛ sɛ pɛtro a wɔakyerɛw wɔ kyɛw no mu no yɛ nokware, si so dua sɛ wɔasan de pɔmpɛ no kyerɛwtohɔ no asi ** .0.00** ansa na wɔafi ase abɔ pɔmpɛ, na ka sika biara a wɔde tua ho ka no denden bere a wode rema no.

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Nsɛm a wɔtaa bisa¶

So ɛsɛ sɛ metwe me kar a wɔagye no kɔ ɔkwan no nkyɛn ntɛm ara bere a mayɛ fender-bender ketewaa bi wɔ amannɔne akyi?¶

Egyina ɔman no kar akwan ho mmara so koraa. Bere a mmati so a wobɛtwe yɛ ade a wɔtaa yɛ wɔ United States, Canada, United Kingdom, ne Europa Aman Nkabom no mu (bere a woatwa kar no gyinabea ho mfonini ntɛmntɛm na woahyɛ wo ahobammɔ vest a ɛhyɛ sɛ ɛma hann no) akyi no, saa a wobɛyɛ wɔ Mexico, Latin Amerika aman pii, ne Asia afã horow no bɛma wo mpɔtam hɔ kar insurance no ayɛ kwa. Wɔ Mexico no, ɛsɛ sɛ wugyaw kar no wɔ beae pɔtee a ɛkaa kar no (gye sɛ asiane bi wɔ ɔkwan kɛse so a ɛde wo nkwa to asiane mu) na wofrɛ Mexico insurance adwumakuw no telefon a wɔde frɛ nkurɔfo 24/7 ntɛm ara sɛnea ɛbɛyɛ a obi a ɔhwɛ insurance honam fam so betumi atu kwan akɔ baabi a asiane no sii no na wahwɛ kar ahorow no ansa na wɔde akɔ baabi foforo.

Dɛn nti na me credit card rental car insurance ntumi ntua me ka koraa wɔ aman te sɛ Mexico anaa Italy?¶

Credit card auto rental benefits no fa honam fam Collision Damage Waiver (CDW/LDW) NKUTOO ho, a ɛkyerɛ sɛ kar a woagye no ankasa sɛe anaa wowia, na WƆMMFA Third-Party Liability Insurance (a ɛtua aduruyɛ mu opira ne agyapadeɛ a wosɛe no wɔ nnipa foforɔ ne kar foforɔ so) mma DA. Wɔ aman te sɛ Mexico mu no, ɔman no mu Mexicofo a wɔagye atom sɛ obi a ɔto so abiɛsa asodi ho nhyehyɛe nkutoo na polisifo gye tom wɔ mmara kwan so bere a wimhyɛn no ahwe ase akyi; sɛ wɔka kar a wonni mpɔtam hɔ asodi ho ka a, ebetumi ama wɔakyere no ntɛm ara wɔ akwanhyia a ɛfa opira ho akyi. Bio nso, wobetumi ayi aman bi (te sɛ Italy, Ireland, Israel, ne Jamaica a ɛwɔ kaad ahorow bi so) anaa kar ahorow (lɔre, moto, kar akɛse a ɛyɛ fɛ, anaa kar a wɔde fa akwan a wɔmfa so nka ho) afi wo credit card pɔtee no mu nsɛm mu.

Sɛ amannɔne skuter anaa kar haya sotɔɔ bi pow sɛ wɔbɛsan de me akwantu tumi krataa no aba gye sɛ mitua dɔla mpempem pii wɔ krataa a wɔde twitwiw me ho a, dɛn na ɛsɛ sɛ meyɛ?¶

Nea edi kan no, nnyaw wo mfitiase akwantu tumi krataa no da sɛ sika a wode bɛto hɔ bere a woregye skuter, ATV, anaa kar no; bere nyinaa fa kɔla mfonini ne sika ketewaa bi a wode bɛto hɔ mmom. Sɛ adetɔnfo bi kura wo akwantu tumi krataa no dommum dedaw na ɔrehwehwɛ sika a wɔde gye sika wɔ atoro anaa nneɛma nketenkete a wɔasɛe no ho a, nkɔ ATM no so. Fa wo nan kɔ ɔmanfoɔ beaeɛ bi, frɛ mpɔtam hɔ Nsrahwɛfoɔ Polisifoɔ a wɔka Borɔfo kasa (te sɛ 1155 wɔ Thailand) ne wo fie aban ananmusifoɔ a ɔyɛ adwuma 24/7, na kae nea ɔtɔn no sɛ akwantuo tumi krataa a wɔde besi ananmu ntɛm ara a ɛfiri wo aban ananmusifoɔ hɔ no boɔ bɛyɛ $165 USD pɛ. Sɛ nsisifo hu sɛ wowɔ ɔpɛ sɛ wobɛnantew akɔ wo aban ananmusifo dwumadibea hɔ, abɔ akwantu tumi krataa a wɔn sotɔɔ no awia no ho amanneɛ, na woagyaw wɔn sika biara a, ɛkame ayɛ sɛ bere nyinaa wɔsan de akwantu tumi krataa no ma de gye sika ketewaa bi a ɛfata a wɔde besiesie.

Na sɛ wimhyɛn gyinabea bi a wɔtɔn kar a wɔde tua ho ka hyɛ me sɛ mintua nneɛma a asɛe dedaw no ho ka ansa na me wimhyɛn no afi hɔ ara nso ɛ?¶

Kyerɛ ɔkwankyerɛfo no wo video a wɔde bere a wɔakyerɛw so a wode nantew kar no ne mfonini ahorow a ɛkyerɛ sɛ na nsensanee anaa akuturuku no wɔ hɔ dedaw bere a wofaa kar no, na bisa sɛ ɔnhwɛ kar no abakɔsɛm mu nneɛma a asɛe ho kyerɛwtohɔ a efi wɔn a wɔadi kan agye kar no hɔ. Sɛ wɔda so ara pow sɛ wɔbɛto apam no mu anaasɛ wohunahuna wo sɛ wɔbɛtwentwɛn wo nan ase kosi sɛ wobɛpa wo wimhyɛn no mu a, fa sika anaa debit card ntua da. Fa credit card kɛse bi tua ka katee, kyerɛw nsɛmfua "PAID UNDER PROTEST - PRE-EXISTING DAMAGE DISPUTED" wɔ wo nsaano nkyerɛwee no atifi tẽẽ wɔ krataa a wɔde gye sika no so, twa saa krataa a wode wo nsa ahyɛ ase ne kar no mfonini, na fa credit card chargeback ho akasakasa a ɛfata kɔ wo sikakorabea bere a woadu fie ara pɛ.

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Sources a wɔhwɛɛ mu¶

• U.S. Department of State Bureau of Consular Affairs: Karika ne Ɔkwan so Ahobammɔ wɔ Amannɔne, Mexico Kar Insurance & Adjuster Mmara, ne Akwankyerɛ a Ɛfa Akwankyerɛ a Wɔde Fa Akwantuo Ho.
• European Consumer Center Network (ECC-Net, European Union): Ahyeɛ so Kar a Wɔagye ho Akasakasa, Nneɛma a Wɔsɛe no ho Ka a Ɛnteɛ, Hokwan a Wɔwɔ sɛ Wɔtua Ka wɔ EU Katua Nnwuma Akwankyerɛ no ase, ne Europa Akwanhyia Ho Amanneɛbɔ (Constat Amiable).
• United Kingdom Akansie ne Guadiɛ Aban (CMA) ne Sikasɛm mu Ɔhwɛfoɔ Dwumadibea: Kar a Wɔde Fa Adetɔfoɔ Ahobanbɔ Akwankyerɛ ne Ɔfa 75 Credit Card Chargeback Mmara a ɛfa Kar a Wɔagye a Wɔagye ho Akyinnyegyeɛ a Wɔsɛe no ho.
• Visa Infinite / Chase / Mastercard Wiase Nyinaa Dwumadie Akwankyerɛ a Ɛfa Mfasoɔ Ho: Auto Rental Collision Damage Waiver (CDW) Mandatory Claim Documentation, Itemized Repair Bill Requirements, ne Polisifoɔ Amanneɛbɔ Bere a Ɛtwa toɔ.

Akwankyerɛ ahorow a ɛfa ho¶

• Kar akwanhyia: nea ɛsɛ sɛ wɔyɛ ntɛm ara bere a kar abɔ akyi
• Akwantu tumi krataa anaa akwantu ho nkrataa a wɔyerae wɔ amannɔne
• Embassy ne consular mmoa wɔ amannɔne
• Wɔkyeree no anaa wɔde no to afiase wɔ ɔman foforo so
• Emergency nɔma ahorow ho kyerɛwtohɔ