Dishima dia dishima dia dikuluka ne dikuluka, ditshibuka dia meno, ne dishima dia dishima dia mbua: Kulama binjinjimbi bia tshiamu tshia foto ne kubenga kufila makuta¶

Kupeta muntu uudi kuyi mumanye, muntu udi ufila bintu, anyi muena mudimu mulale pa njila webe wa kumpala, mu njila wa mashinyi, anyi mu nzubu wa mudimu mukese mukuate mukolo wende wa kuinshi, mukuate tshitupa tshia dinu tshidi tshitshibuke ku luseke lua tshintu tshia kuangata, anyi uleja mputa mupiamupia wa ditapa padiye wamba ne: mbwa webe mmumusume ntshimue tshia ku bintu bidi bikuata bantu badi ne bintu bia bungi. Mu Amerike wa ku Nord, mu Royaume-Uni, mu Mputu, ne mu Australie, bantu badi balongolola malu a dishima ne badi banyangakaja bintu badi bapueka pa bibandilu bia nzubu ne mu njila ya kusumbishila bintu, bapongolola mafuta a kulamba anyi bapuekesha tumuma tua mvinyo mu tshibombi tshiabu padibu bela meji ne: kakuena tshiamu tshia foto tshidi tshitangila, anyi bafina nyama udiku kale ku lupangu luebe, pashishe balomba diakamue $500 ku $5,000 difutu dia makuta anyi dia ku telefone ("nanku tshiena ne tshia kufunda assurance webe ne kukujimija nzubu webe"). Shi muntu udi wamba ne uvua mutapike mu nzubu weba wa kusombela anyi wa bungenda, kufutshi nansha dolare nansha umue wa makuta, Venmo, Zelle, anyi Cash App pa muaba au, diakamue ubikile muaba uudi musombele nomba ya tshimpitshimpi (911 mu États-Unis ne mu Canada, 999 mu Royaume-Uni, 112 mu Union européenne mujima, 000 mu Australie) nunku baminganga badi benza tshikebelu tshia malu a luondapu ne bampulushi badi bafunda bumuntu bua muntu udi ulomba tshilumbu, batuma ne balama bintu bia ku tshiibi tshia ku tshiibi tshia matuku onso 24/7 anyi CCTV kumpala kua matuku 30, babifunda ne babijimija muena mudimu wa nzubu ne mulombodi wa malu a dishima dia ku nzubu ne ku nzubu, wetu muenyi ku tshiibi ne mulombodi wa malu a dikuba, ne wetu bulombodi bua dikuba ne dishima.

Bilondeshile tshisumbu tshia Coalition Against Insurance Fraud (CAIF), National Insurance Crime Bureau (NICB), ne Insurance Fraud Bureau (IFB) mu Royaume-Uni, bilumbu bia nzubu bidi bilomba makuta a bungi kudi bena nzubu ne midimu mikese ku tshidimu ne bidi bilonda mikanda ibidi mishilangane ya malu a tshinyangu. Mu Immediate Cash-Shakedown Playbook, muena tshinyangu udi utangila muena nzubu mukulumpe, muena nzubu, anyi muena tshisalu udi udisunguila nkayende, udi wenza malu a tshikisu pa tshisasa tshiume anyi udi wamba ne: mmushipe mbwa udi kayi mujadikibue, ne udi usaka muena nzubu udi ne buôwa bua kufila makuta diakamue bua kuepuka tshilumbu. Mu Organized "Runner-and-Mill" Lawbook Playbook, tshisumbu tshia bantu tshidi tshienza mudimu wa dikuluka, tshibenga ambulanse muaba udi bualu buenzekele, tshiindila matuku 25 too ne ku 35 too ne padi tshiamu tshia muena nzubu tshia Ring, Nest, anyi NVR tshia bukubi tshifunda pa mutu pa filme, ne pashishe tshifila $100,000 tshilumbu tshia mubidi mupepele tshidi tshikuatshisha kudi nzubu wa luondapu udi ne tshinyangu. Kulonda mikenji mikole ya dilama dia malu a mikenji ne ya diandamuna dia tshimpitshimpi kudi kujikija bilumbu bionso bibidi diakamue.

Enza nunku mpindieu¶

1. Kubenga dilomba dionso dia difuta dia makuta dia pa muaba, dituma dia makuta ku banke, anyi dianyisha dia tshilema mu mukanda. Nansha mudi muena dilomba ulomba $300 bua difutu dia diambuluisha dia lukasa, $800 bua tshifulu tshia menu tshipanduluke, anyi $1,500 bua "kupua muoyo bualu buonso buvua buenzeke," kufuta dolare umua wa makuta anyi dituma dia bintu ku Enternete (Zelle, Venmo, Cash App, PayPal) kena ujikija dilomba nansha dimo. Muinshi mua mikenji ya dibanza dia bantu mu matunga onso, difila dia makuta mu mushindu udi kauyi mumanyike kakuyi dimanyisha dia mikenji kadiena dipangisha muena tshinyangu bua kupingana lumingu ludi lulonda ne avocat udi utangila malu a njiwu ya muntu nkayende to, ne bena tshinyangu badi bamona difuta dia makuta dia lukasa bu tshijadiki tshia se: udi tshimanyinu tshipepele tshia dikuata dia makuta misangu ne misangu.
2. Ela 911 / 999 / 112 / 000 diakamue bua kutuma bena mudimu ba lupitadi lua lukasa lukasa (EMS) ne mpulushi uvua muvuale bilamba bia mvita muaba uvua bualu ebu buenzekele. Ambila muena tshilumbu ne ditalala dionso ne: "Bu muudi mufile luapolo lua ne: udi mutapike pa lupangu luanyi, ndi mbikila ambulanse ne bampulushi mpindieu bua bakuambuluishe bua kukukonkonona ne kuenza mukanda wa malu a luondapu." muena njiwu mulelela udi ne mputa mikole udi wanyisha luondapu; muena tshinyangu wa dishima anyi wa dishima wa mbua utu misangu yonso umvua buôwa padiye umvua mashinyi a lupitadi ne mashinyi a mpulushi mu njila, bualu baminganga batu batangila bimanyinu bia disama (dituta dia mutshima, tension, diandamuna dia mêsu, dinyanguka dia dikoba, ne ni mputa udi mupiamupia anyi udi ne mêba 48) ne bampulushi batu benza mudimu ne mikanda yabu ya mbulamatadi bua kupeta mukanda wa dianyisha.
3. Umbusha, utuma, ne ulama kashidi tshimfuanyi tshieba tshia tshiamu tshia mashinyi mu minite 30 ya kumpala (kusangisha ne minite 30 kumpala ne minite 30 panyima pa bualu). Kutangila anu tshimfuanyi tshidi munda mua tshieba Ring, Arlo, Google Nest, Blink, Wyze, anyi programe wa telefone wa NVR wa bungenda. Ma kamera a ku tshiibi tshia mu matutu adi ajimija binjinjimbi nkayabi kunyima kua matuku 30 too ne ku 60, ne biamu bia CCTV bidi ne disque dur (DVR/NVR) kufunda pa mutu pa binjinjimbi mu mêba 72 too ne matuku 14. Teleja tshiamu tshia tshianana .MP4 bintu bia binjinjimbi bidi mu telefone ne mu ordinatere webe, ela kopi yabi mu biamu bibidi bishilangane bia mu matutu (Google Drive, iCloud, OneDrive), ne udifundile kopi ku e-mail bua tshimanyishilu tshia dîba tshidi katshiyi tshishintuluka tshienzeke.
4. Kuangata foto ya panshi, ya njila, ya bisabata, ne ya mputa kumpala kua tshintu tshionso kusukula, kusesuisha anyi kushintulula. Kumpala kua kusukula tshintu tshidi tshipatuke anyi kusesuisha tshilamba tshia ku tshiibi, enza mudimu ne telefone webe wa bianza bua kukuata foto ya resolution wa bungi ne video wa 4K udi uleja:
5. Nsombelu mulelela wa pa mutu (kujadika ne: bibandilu bia beton bivua biume, bia mukele, ne butoke buimpe, ne kabiyi ne bilema, anyi kuleja ne: tshina tshia mâyi tshidi ne njila kampanda udi ufumina buludiludi ku mulondo udi mu tshibombi tshia muena dilomba).
6. Nsapatu ya muena dilomba (foto ni badi bavuale bisabata binyanguke, bisabata bia mu muvu wa mashika, anyi bisabata bia mu nshingu mule).
7. Mputa udibu bamba anyi tshintu tshikuabu (bobu bamba ne: mbua mmumusume, wangate foto bua kumanya ni kudi tshilamba tshipanduluke pa pantalon anyi mashi mapiamapia; bobu bamba ne: badi ne dinu anyi dikopo didi ditshibuka mu biakudia, lomba bua kukuata foto wa tshitupa atshi ne kulama tshintu atshi bua kutshikonkonona mu laboratware).
8. Bikalabu bamba ne: mbua mmumusume anyi mmushipe nyama, ela mbwa webe mu nzubu diakamue ne wangate foto wa lupangu luebe, biibi, ne menu ne makasa a mbwa. Kulekedi muntu udi ne tshikisu anyi muntu udi pabuipi bua kukufikisha munda anyi kulomba bua bambushe nyama au muaba au to. Kanga mbwa webe bimpe mu nzubu wa munda, wangate video udi ne tshimanyishilu tshia dîba tshidi tshileja ne: mbwa webe uvua kunyima kua tshiibi tshikanga anyi mu nzubu tshikondo tshia dilomba, keba mukanda wa mbwa webe wa mpindieu wa Mukanda wa dikuba dia disama dia nsukadi, ne windile bampulushi ba Animal Control anyi ba mpulushi.
9. Umanyishe muena nzubu webe, muena nzubu, anyi Commercial General Liability (CGL) tshibambalu tshia makebulula a pa buawu (SIU) mu mêba 24. Bikila ku telefone wa muena mudimu webe wa dilomba dia makuta ne uleje patoke ne: "Ndi mfila luapolo lua bualu budibu bela meji ne: budi buenzeke mu tshitupa kampanda / dilomba dia dishima bua malu a difunda ne lomba anu bua kutumina tshibambalu tshiebe tshia malu a pa buawu diakamue (SIU); Ndi mulame binjinjimbi ne binjinjimbi bidi ne tshimanyishilu tshia dîba." Mukanda webe wa assurance udi ne tshitupa tshia "Duty to Defend", mbuena kuamba ne: muena assurance webe udi ne bua kufuta ba avocat ba dikuba ne bakebuludi ba malu a tshinyangu kakuyi difutu dia mikenji kudi wewe nkayebe.

Mutshi wa mapangadika: Disama dia bintu ne dishipangana dia mbua¶

Ingidija tshiamu etshi tshia mudimu dîba didi muenyi, mupitshi, muena mudimu wa difila bintu, anyi muena mudimu wamba ne: mbatapike mu lupangu luebe.

flowchart TD
    Start["Muntu udi pa lupangu lueba udi wamba mudiye mutapike: Dikuluka ne dikuluka, dinu ditshibuka, anyi disuma dia mbwa"] --> SafetyCheck["1. KULAMANA MUABA NE KUBANGA MAKUTA: - Ikala mutantshi wa metre 2 (6.5 feet) - KUFUTI makuta nansha kakese, Venmo, anyi Zelle - KUFUTU KUENA tshiala pa dibeji nansha dimue anyi kuitaba tshilema"]

    SafetyCheck --> Call911["2. BIKIJA 911 / 999 / 112 DIAMUE: - Lomba ba mpulushi (EMS) ne bampulushi - Amba ne dîyi dikole ne: 'Ambulance ne mpulushi badi mu njila bua kukukonkonona'"]

    Call911 --> ScammerReaction{"3. Mmunyi mudi muena tshilumbu wenza padibu batuma EMS ne bampulushi?"}

    ScammerReaction -->|"Udi unyema / Ubenga kuindila bampulushi"| FleeProtocol["MUENA MUSHINDU UDI UNYIMA KU MAKA NANSHA MU MOTO: 1. Kubalonda anyi kubakandika ku mubidi to 2. Bakuate video wabu benda/banyema bimpe + nomba wa mashinyi 3. Pesha bampulushi video bua kufunda luapolo lua bualu budi kabuyi bumueneka bu bubi / diteta dia dikuata dia makuta"]

    ScammerReaction -->|"Udi ushala pa muaba / Ulomba makuta anyi Utshinyisha bua kuya ku kabadi"| StayProtocol["4. ENZA BIDIMU BIDI BILOMBOLA MU MUDIMU: - Kuangata foto wa njila/panshi (muume/mutoke), butoke, ne bisabata bia muena tshilumbu - Bikalabu bamba ne: mbua udi mulume: Kanga mbwa munda, filme tshimanu/tshilamba tshidi katshiyi tshinyanguke, koka mukanda wa Rabies - Bikalabu balomba biakudia/dino: Lama tshintu tshidi katshiyi tshinyanguke tshibombi tshikezuke"]

    FleeProtocol --> ArchiveVideo["5. PUTUA NE KUKANGA VIDEO YONSO YA CCTV / DOORBELL DIAMUE: - Teka binjinjimbi bia .MP4 bia mu 30 min KUMPALA too ne ku 30 min PANYIMA pa bualu kampanda - Lama mu biamu bibidi bia mu matutu + USB flash drive kumpala kua 7 too ne ku 30 matuku a difunda"]
    StayProtocol --> ArchiveVideo

    ArchiveVideo --> NotifySIU["6. LUMU KUDI MUENA MUDIMU WA BUALU BUA BUALU BUA BUALU (SIU): - Peta # wa tshilumbu tshia mpulushi ne mukanda wa EMS - Fila 'Anu dimanyisha / Dilomba didibu bela meji ne: didi dienzeke' kudi muena nzubu anyi kudi muena mudimu wa CGL SIU - Muena mudimu udi wenza mudimu ne ISO ClaimSearch bua kukonkonona bilumbu bia kumpala bia dikuluka"]

Bulongolodi bua malu 4 adi atamba kuenzeka adi anyanga bintu bia bantu¶

Bena tshinyangu badi bimanyine pa dikema, dipila, ne buôwa bua muena nzubu bua dibandisha dia bitadi bia assurance anyi bilumbu. Kumanya mushindu udi tshishima tshionso tshienza kudi kukuambuluisha bua kumona tshishima mu tusekonde tukese:

Dikonkonona dia malu a kumona: Dinyanguka dia biomekanike dilelela ne dipuekesha dia pa tshibidilu pa CCTV¶

Paudi utangila tshiamu tshieba tshia bukubi anyi tshimfuanyi tshia tshingoma tshia ku tshiibi pamue ne bampulushi ne tshibambalu tshia makebulula tshia pa buatshi tshia kumpanyi webe wa assurance (SIU), keba bimanyinu bitanu ebi bidi bishilangane ne dikuluka dia mpukapuka ne dikuluka dia patupu:

================================================================================
   BIOMECHANICAL CCTV ANALYSIS: REAL ACCIDENTAL SLIP vs. STAGED FRAUDULENT FALL
================================================================================

  A. GENUINE ACCIDENTAL SLIP (UNCONTROLLED BIOMECHANICS)
  ------------------------------------------------------
  1. Gaze Direction : Head & eyes are looking straight ahead (NOT at the floor)
  2. Foot Kinematics: Leading heel strikes slick spot -> foot shoots forward
                      rapidly (> 2.0 m/s) with a long straight skid mark
  3. Upper Body     : Sudden violent arm flailing + instinctive FOOSH reflex
                      (palms/wrists slam down to break fall -> scuffed palms)
  4. Impact Timing  : Total time from heel strike to ground impact is < 0.6 sec

  B. STAGED / FRAUDULENT FALL (CONTROLLED SELF-LOWERING)
  ------------------------------------------------------
  1. Pre-Fall Scan  : Claimant looks UP at eaves/doorbell for cameras, then
                      looks DOWN at the exact target spot before stepping
  2. Two-Step Squat : Instead of the heel shooting out uncontrollably, the
                      claimant bends one knee first, lowers their center of
                      gravity, and sits or rolls onto the fleshy glute/hip
  3. Head Protection: Chin is tucked tightly to chest BEFORE the torso touches
                      the ground so the back of the head never strikes pavement
  4. Post-Fall Walk : As soon as they leave your property line (within view of
                      a neighbor's camera down the street), the severe "limp"
                      vanishes and they walk briskly to a waiting vehicle
================================================================================

Mushindu wa kulama ne kukanga bijadiki biebe bia video¶

Tshilema tshinene tshidi bamfumu ba nzubu benza kunyima kua bualu kampanda budi kabuyi bumueneka ntshia kuela meji ne: bualu mbatangile tshitupa atshi mu programe wa telefone wabu, filme eu mmulama bimpe. Londa liste wa malu a kulama bintu bia ku Enternete udi ne bitupa binayi ebi diakamue:

1. Tuma Raw Native pambelu .MP4 File (Kueyemenyi anu difunda dia ku tshiamu to)¶

• Kangula tshiamu tshieba tshia foto (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, anyi Lorex) ne wenze mudimu ne butone bua Kumbula / Kupatula tshitupa tshia kumpala bua mukanda ikale mulame ne tshimuenekelu tshiawu tshia ntuadijilu, bungi bua bimfuanyi, ne metadata mibueja.
• Shi tshiamu tshieba tshienza mudimu ne tshiamu tshia NVR / DVR tshidi tshilamakaja ku tshiamu tshia kutangila natshi bintu, ela USB flash drive mu tshiibi tshia USB tshia kumpala tshia NVR, usungula Backup / Export, sungula Main Stream (High Definition) ne built-in player / .MP4 format, ne kutuma dididishi didi ditungunuka didi dituadija minite 30 kumpala kua muntu kufikaye too ne minite 30 panyima pa yeye mumane kuya.

2. Kuata angle ya tshiamu tshia foto tshia kumpala ne tshia panyima pa bualu (kusangisha ne biamu bia foto bia bena mutumba)¶

• Muntu udi wenza malu a tshinyangu utu uteka mashinyi ende a kunyema nzubu ibidi anyi isatu mu njila bua tshiamu tshiebe tshia ku tshiibi katshiyi mua kubala nomba ya mashinyi ende, udi unyanguka bikole padiye kumpala kua nzubu webe, ne pashishe udi wenda lubilu anyi wenda bimpe menemene padibu bapita pa tshimanu tshiebe.
• Enda kudi bena mutumba bebe ba pabuipi ku nseke yonso ibidi ne dia muamua dia njila dituku dimue dimue. Ubalombe bua kutangila ne kuangata binjinjimbi bia tshingoma tshia ku tshiibi tshiabu ne bia mu njila wa mashinyi ku dididishi dia minite 30 adi. Tshimfuanyi tshia Ring tshia muena mutumba tshidi tshileja muena dilomba "mulema" wenda unyema mu mashinyi a SUV adi mutantshi wa metre 50 (164 feet) ntshilejilu tshia diakamue tshia dibenga kuitaba dia tshilumbu.

3. Enza mudimu ne 3-2-1 Mukenji wa dilama dia malu a mikenji¶

• Lama 3 kopi ya tshikandakanda tshionso ne foto mu 2 mishindu mishilangane ya dilamina bintu (disque dur wa ordinatere webe ne disque dur wa USB wa pambelu) ne 1 kopi mulamibue pambelu pa site mu ditu (Google Drive, iCloud Drive, Dropbox, anyi OneDrive).
• Tuma kopi wa bintu bia binjinjimbi (anyi tshisanji tshia mu matutu tshidi mua kuabanyangana) ku adrese webe wa e-mail ne ku adrese wa e-mail wa muena dibaka nebe anyi wa muena mudimu nebe diakamue. Mutu wa tshiamu tshia e-mail udi ufila tshimanyishilu tshia RFC 5322 cryptographic timestamp tshidi katshiyi tshinyanguka tshidi tshileja ne: filme uvuaku mu nsombelu au menemene dituku divua bualu ebu buenzeke.

4. Lama bijadiki bia ku mubidi¶

• Shi muena tshinyangu muele tshintu tshikuabu (mulondo udibu benza nende mudimu bua kuela mâyi, dinu dia dishima anyi dikopo mu biakudia), teka tshintu atshi mu tshibombi tshikanga ne dituku ne dîba, ne utshilame bua bampulushi anyi bua laboratware wa muena assurance webe.

Mikenji misunguluke ya dikuba dia malu a dishima anyi a dishima dia disuma dia mbwa¶

Bamfumu ba mbwa badi bantu ba bungi badi bashima bantu bua kubanyanga makuta bualu bamfumu badi batshina ne: Animal Control nebakuate nyama wabu wa pa muoyo. Dikuba wewe ne mbwa webe ne malu aa:

1. Umanye mushindu udi dikuba dia nyama dienza mudimu:
2. Bena tshinyangu batu bashima ne bamba ne: Animal Control neashipe mbwa webe lelu anu wewe mufute $1,000 makuta.
3. Adi mafi. Mu États-Unis, Canada, UK, ne Australie, nyama wa mu nzubu udibu bapeshe tshiamu tshia nzembu udibu babanda ne: mmulume kakese kabatu bamushipa to. Mikenji ya malu a bukola bua mubidi itu ilomba tshikondo tshia matuku 10 tshia kutangila disama dia nsukadi, tshidi bua nyama wa mu nzubu udibu bapeshe disama edi misangu yonso Kuikala mu nzubu mu nzubu muebe panyima pa wewe mumane kujadika mukanda webe wa disama dia nsukadi.
4. Kuangata tshimfuanyi tshia tshibuikidiji, tshilamba, ne muaba udibu bamba ne: uvua mulume diakamue:
5. Angata tshinjinjimbi tshidi tshileja ne: tshiibi tshivua tshikanga, lupangu kaluvua ne miaba to, ne bimanyinu bia didimuija bivua biteka.
6. Kuata tshimfuanyi tshia mputa udi mutantshi wa metre 1 (3.3 feet) kule. Mbwa yeye musume mu pantalon anyi mu tshianza bikole menemene bua kutshibula dikoba, meno a mbwa adi ashiya mabulu anyi mate pa tshilamba. Tshilamba tshidi katshiyi tshinyanguke pa mutu pa tshilonda tshidi tshileja ne: mputa uvua muenzeke muaba mukuabu.
7. Pima ne funda malu a meno a mbwa webe:
8. Lomba munganga webe wa nyama bua kufunda bujitu bua mbwa webe, nsombelu wa dikuba, ne bulampe bua mbwa (ntanta mu milimetre pankatshi pa meno a mbwa). Bakebuludi batu misangu yonso babenga malu a dishima a mbua udi mulume padibu baleja ne: tshimanyinu tshidi pa diboko dia muntu udi wamba bualu katshiena tshipetangana ne bulampe bua mpala wa mbua to.

Mushindu kayi udi tshibambalu tshia makebulula a pa buawu tshia kumpanyi wenu wa tshishimbi (SIU) tshitshimuna bilumbu bia dishima¶

Mona mushindu wa kumanyisha bualu budi buenzeke bimpe bua muena mudimu webe wa tshishimbi akuluishe kuyi ufuta muena tshinyangu:

1. Lomba "Dituma dia "Anu ngumu / Dishima dia dishima kudi SIU"¶

• Tshibambalu tshionso tshinene tshia assurance tshidi ne Tshibambalu tshia makebulula a pa buawu (SIU) tshidi ne bena mudimu ba kale ba malu a tshikebelu ne bamanyi ba malu a mikenji.
• Amba patoke ne: "Ndi ngela luapolo lua bualu budibu bela meji ne: mbaenzeje bua kunyangakaja bintu anyi kunyanga bintu bianyi, ngakabenga kufuta makuta, ne ndi ne filme udi uleja ne: bavua benze bualu ebu. Ndi nkulomba bua kukangula dibendele dia dikonkonona dia malu a tshinyangu dia SIU ne kufidi tshilumbu nansha tshimue."

2. Enza ISO ClaimSearch / CLUE / IFB Dikonkonona dia tshilaminu tshia bintu¶

• Bena tshinyangu bapiluke batu bafila bilumbu bia muomumue kudi ba assurance bashilangane.
• Padi muena mudimu webe ufunda malu a muntu udi ulomba mu tshibutshilu tshia Verisk ISO ClaimSearch (US), Équité Association (Canada), anyi Claims and Underwriting Exchange (CUE) (UK), tshiamu etshi tshidi tshileja ni muntu au uvua mulomba dilomba dia dikuluka anyi dia menu matshibuka mu ngondo mikese mipite eyi.

3. Kulekedi muena tshinyangu ukuenzeja bua kufuta "muinshi mua tshipiminu tshieba"¶

• Pa tshibidilu Bamfumu ba nzubu (HO-3), Bafutshi (HO-4), anyi Commercial General Liability (CGL) mikenji, bitupa bia Dikuba dia bujitu (Dikuba dia E) ne Makuta a luondapu (Dikuba dia F) bitu bitamba kuikala ne $0 deductible. Dikuba dia dibanza didi dituadija ku dolare wa kumpala, ne muena assurance udi ufuta 100 pa lukama ya avocat wa dikuba ne ya SIU.

Nomba ya tshimpitshimpi ya mu tshijengu ne mishindu ya kumanyisha malu a dishima dia assurance¶

Shi muena tshinyangu ukeba kukunyenga makuta mu lupangu lueba anyi ufila dilomba dia dishima, manyisha bualu ebu kudi bampulushi ba muaba uudi musombele ne kudi biro bia dishima bia assurance bia ditunga diebe:

• États-Unis:
• Bampulushi ne EMS Dispatch: Ela 911 padi muena dilomba udi pa lupangu luebe bua kupeta luapolo lua dilama dia babedi lua EMS (ePCR) ne luapolo lua tshilumbu tshia bampulushi bidi bifukibua diakamue.
• National Insurance Fraud Hotlines: Umanyishe National Insurance Crime Bureau (NICB) ku 1-800-TEL-NICB (1-800-835-6422) anyi ku Enternete ku nicb.org, ne kabidi Biro bia malu a tshinyangu bia tshibambalu tshia ditunga.
• Canada:
• Bampulushi ne EMS Dispatch: Ela 911 bua bampulushi ne baminganga bamone muaba udi bualu ebu buenzekele.
• Dimanyisha dia malu mabi a tshishimbi: Udi mua kubikila Équité Association (tshivua kumpala Biro bia tshishimbi bia Canada Investigative Services) ku 1-877-422-8477 anyi Crime Stoppers ku 1-800-222-8477.
• Bukalenge bua ditunga:
• Emergency & Police Dispatch: Tela 999 pikala muena tshinyangu ubenga kupatuka mu nzubu muebe, ukutshinyisha, anyi wamba ne: udi ne njiwu mikole, anyi tela 101 bua kufunda luapolo lua diteta dia dishima didi kadiyi dia lukasa ne kupeta Nomba wa tshinyangu.
• Insurance Fraud Bureau (IFB) Cheatline: Umanyishe malu adi atangila njiwu ya muntu nkayende anyi "dikuluka/dijimija dia makuta" mu musokoko kudi IFB Cheatline ku 0800 422 0421 anyi ku diambuluisha dia insurancefraudbureau.org, ne kufila luapolo kudi City of London Police Insurance Fraud Enforcement Department (IFED) ku diambuluisha dia Action Fraud (0300 123 2040).
• Buobumue bua matunga a ku Mputu:
• Emergency Dispatch: Ela 112 bua kulomba bampulushi ba mu tshimenga anyi ba mu ditunga dijima ne ba ambulanse bua kujadika bualu ebu, ne kulomba luapolo lua bampulushi (procès-verbal mu France/Belgique, Strafanzeige wegen Betrugs / Erpressung mu Allemagne, denuncia mu Espanye/Italie) kumpala kua kumanyisha muena mudimu weba wa tshibawu (assurance responsabilité civile / Privathaftpflichtversicherung).
• Australie ne Nouvelle-Zélande:
• Dituma dia lukasa: Ela 000 (Australie) anyi 111 (Nouvelle-Zélande) pikalabu bakutshinyisha anyi pikala muntu wamba ne: udi mutapike mu nzubu muebe, anyi bikila Police Assistance Line (131 444 mu AU / 105 mu NZ). Umanyishe malu a dishima kudi Insurance Council of Australia (ICA) anyi Insurance Fraud Bureau of Nouvelle-Zélande (IFBNZ).

Nkonko itubu bela misangu ya bungi¶

Muntu yeye muambe ne: neapue mputa yonso muoyo meme mumupeshe anu dolare 200 mpindieu ne mene muambile bua kutua tshiala pa mukanda mufunda ku bianza pa tshilamba tshia kujingila, bua tshinyi tshiena ne bua kuenza nanku?¶

Kufutshi makuta diakamue, nansha muntu yeye musue kutua tshiala pa dibeji difunda ku bianza. Tshia kumpala, bena tshinyangu badi bapeta makuta a dolare 200 kudi muena nzubu anyi kudi muena tshisalu batu bapingana matuku makese pashishe bamba ne: "bimanyinu bia munda bidi bipita" anyi batuma bena mudimu nabu bua kuya kutangila kabidi adrese umue umue au. Kya bubidi, tubadi tutu misangu ya bungi tupangisha "malu adibu bapatula ku bianza" adibu bafunde ne lukasa, kabayi bafila mibelu, adibu batue biala pa minite mikese panyima pa disama didibu bamba ne: ndienzeke bilondeshile malongesha a tshilema tshia muntu ne muntu, a dienzeja anyi a dipanga lungenyi. Tshisatu, difila dia makuta didi mua kuikala dinyanguka kudi avocat wa muena dibanza udi kayi ne bululame bu dianyisha dia dipila ("Bua tshinyi muena nzubu udi mua kufila makuta a dolare 200 pikala bienzedi biende kabiyi ne njiwu?"). Misangu yonso ikala ulomba bua kuenza mudimu ne tshilumbu tshionso tshia disama anu ku diambuluisha dia mikanda ya luondapu ya EMS ne dia tshibambalu tshiebe tshia assurance.

Kuindila, kubikila ambulanse (911/999/112) bua muntu udi wenza bu udi mutapike kakuakumuambuluisha bua kuenza njila wa difunda dia tshilumbu anyi?¶

Tòo, kubikila EMS diakamue ke mushindu umuepele mutambe buimpe wa kubutula dilomba dia dishima dia disama. Bena tshinyangu ba dishima dia dikuluka ne dikuluka dia mbua badi bimanyina pa difila dia luapolo lua matuku a bungi: kushiya nzubu webe kayi mukonkonone ne kuya kutangila munganga wa mikolo anyi lupitadi lua dishima matuku asatu pashishe muaba udibu mua kuamba tshimanyinu tshionso tshidibu basue. Padi baminganga ba mu tshimenga badi badisunguile bafika muaba udi bualu ebu buenzekela mu minite 8, badi bafunda malu adibu bapete mu lupitadi mu luapolo lua dilama dia kumpala kua lupitadi: tension muimpe ne dipuekesha dia mashi (kakuyi diandamuna dia kanyinganyinga kakole), kakuyi disama dia nsukadi, dia mputa anyi dia mashi, bilamba bimpe, bianza bimpe, ne mushindu wonso wa kuenza malu. Tshidi tshitambe buimpe ntshia se: bantu 90 pa lukama badi bashima makuta badi banyema dîba didibu bumvua wewe ufila malu adibu baleja kudi muena mudimu wa 911.

Netuambe tshinyi meme tshiyi ne tshiamu tshia foto tshia Ring anyi CCTV tshileja muaba menemene udibu bamba ne: mbakuluke?¶

Nansha shi tshiamu tshiebe tshia foto katshiyi tshipeta metre kare menemene wa dikuluka, udi anu ne biamu bia mudimu bia bukole bia malu a mikenji. Tshia kumpala, wangate diakamue binjinjimbi bia tshikondo tshia njila anyi panshi bidi bileja ne: mbiume, kabiyi binyanguke, bidi ne butoke buimpe ne bidi bilondeshila mikenji, ne wangate foto ya bisabata ne bianza bia muena dilomba. Tshibidi, tangila dîyi dia tshiamu tshieba tshia foto ne mishindu ya kusemena bua kumona mushindu uvua muntu au mubuele ne mupatuke mu lupangu luebe. Tshisatu, ndaku kudi bena mutumba bebe badi dia muamua dia njila ne biibi bibidi panshi ku nseke yonso ibidi diakamue: tshingoma tshiabu tshia ku tshiibi anyi biamu bia foto bia ku tshiibi nebikuate misangu yonso muntu udi ulomba bua kuimanyika mashinyi ende, wenda bimpe kumpala kua kusemena pabuipi ne nzubu webe, ne wela tshilema tshiende tshia dishima diakamue padiye upitshila ku njila webe.

Ndiku mua kukuata anyi kukuata muena tshinyangu pa tshisasa tshianyi too ne padi bampulushi bafika meme mumanye ne: badi bashima anyi?¶

Tòo, kuena ne bua kukuata, kukuata, kukanga mu nzubu, anyi kupangisha muntu anyi mashinyi ende bua kupatuka mu nzubu webe to. Kuteta bua kukukuata ku mubidi bua dilomba dia dishima kudi kukuteka mu njiwu ya tshikisu tshia bushuwa (bakuatshishi ba bintu ba bungi batu ne bingoma bisokoka anyi badi ne muena mudimu udi muindile mu mashinyi ku muelelu wa njila) ne kabidi bilumbu bia tshibawu anyi bia bena ditunga bia dibunda anyi dikuata dia dishima. Ikala mu bule bua metre 2 (6.5-foot), pingana panyima pa tshiibi tshiebe tshikanga pikalabu balua ne tshikisu, ne wangate video wabu benda baya ne babuela mu mashinyi abu bua bampulushi bikale ne mpala yabu ne nomba ya mashinyi.

Ntshinyi tshidi muena nzubu wa kudiila mukese anyi wa tshisalu tshia biakudia ne bua kuenza pikala muena tshisalu wamba ne: mmutshibule dinu pa dibue anyi pa dikopo mu biakudia biende?¶

Ikala mupole, ne kanemu, ne luse kuyi witaba tshilema anyi kufuta makuta. Lomba diakamue bua kukonkonona ne kulama dilongo dia biakudia didi dishale ne tshintu tshikuabu anyi tshitupa tshia dinu tshitshibuka ("Tudi ne bua kukanga ne kulama tshintu atshi ne tshitupa tshia biakudia tshidi tshishale mpindieu bua laboratware wa muena assurance wetu ikale mua kutshikonkonona ne kulonda tshisumbu tshia bafidi ba bintu"). Angata binjinjimbi bia pabuipi bia tshintu tshidi ku luseke lua tshiamu tshia arjan bua tshipiminu. Udi mua kubikila baminganga padibu bapatuka mashi, kufunda mukanda wabu wa dianyisha dia mbulamatadi ne malu adibu mua kupetangana nawu pa mukanda wa dimanyisha dia bualu budi buenzeke, kulama bimfuanyi bionso bia CCTV bia mu nzubu wa kudiila kubangila ku dîba didibu basombe, ne ubambile ne: muena mudimu webe wa Commercial General Liability neababikile buludiludi mu mêba 24. Bena tshinyangu badi ne mabue a mu tshibombi anyi meno a kale adibu bumbushe batu misangu yonso babenga kufila tshitupa anyi kufila mukanda wa dianyisha mulelela.

Meme mubikile kumpanyi wa assurance wa muena nzubu wanyi anu bua kumanyisha ne: muena tshinyangu uvua mutete bua kukuluka mu njila wanyi, bitadi bia assurance bianyi nebibandile anyi?¶

Kumanyisha bualu kampanda anu bu "Dimanyisha dia patupu / Dishima dia dishima dia kutuma kudi SIU" mudibu kabayi bafuta dolare nansha umue (`$0 Loss Paid`) pa tshibidilu kayena ilomba bua kufuta bitadi bia pa mutu pa mikenji ya bungi ya bena nzubu to, nangananga padi video webe mulame ujikija tshilumbu tshia dishima tshia dolare 50 000 kunyima kua mbingu isambombo. Paudi udimuija tshibambalu tshia makebulula a pa buawu tshia muena mudimu webe wa tshishimbi mu dituku dia kumpala ne ufila tshinjinjimbi tshidi tshileja ne: muntu au kavua mutapike anyi uvua mukuluke, udi ukumbaja tshidibu babikila ne: "Dimanyisha dia lukasa" dia tshipungidi tshiebe eku ukanga tshisumbu tshia bena tshishimbi tshiebe kumpala kua muena tshinyangu au kuangata avocat.

Malu adi apetangana¶

• Muenyi ku tshiibi, muena malu a mudimu, ne muena mudimu wa dikuba dia nzubu
• Luse, diambuluisha dia bipupu, ne dishima dia bena mudimu ba ku nzubu ne ku nzubu kunyima kua bipupu
• Dishima dia ngendu ya asphalte ne njila ya mashinyi ne dikuba dia bakulumpe
• Dikuata dia bintu ku bukole, dishima dia bantu ne dikuata dia bantu ku bukole
• Mukanda wa nomba ya tshimpitshimpi

Miaba ne buludiki bua mbulamatadi¶

• National Insurance Crime Bureau (NICB): Premises Liability Fraud: Identifying Staged Slip and-Fall Rings, Foreign-Object Food Claims, and Typologies of Extorting Homeowner.
• Tshisumbu tshia bantu badi baluisha dishima dia malu a assurance (CAIF): Mukanda wa dikuba dia midimu mikese ne bamfumu ba nzubu ku njiwu idi yenzeka, njila ya lubilu, ne dishintulula dia malu a njiwu.
• Biro bia dishima dia malu a tshishimbi (IFB - Royaume-Uni) & Tshibambalu tshia dishima dia malu a tshishimbi tshia bampulushi tshia mu tshimenga tshia Londres (IFED): Slip-for-Cash ne Staged Public/Premises Liability Claim Investigation Standards.
• Biro bia midimu ya tshishimbi (Verisk ISO ClaimSearch): Tshibambalu tshia makebulula a pa buawu (SIU) tshia mikenji ya dikonkonona dia bantu badi bapeta njiwu ya mubidi ne dilama dia bijadiki bia CCTV bia ku Enternete.
• Bibambalu bia dilama ne dikuba dia masama (CDC) & Tshisumbu tshia dilama ne dilama dia nyama tshia mu ditunga (NACA): Mukanda wa malu a dilama ne dilama dia disama dia nsukadi dia nyama - Mikenji ya dimona dia disuma dia mbwa ya mu nzubu ne dijadika dia disuma dia nyama dia mu nzubu.