Ko te Paheke-a-Hinga, Te Niho Whati, me te Ngau Kuri rūpahu Nga Taonga Puke: Te Tiaki i nga Raapene Kaamera me te Whakakore i nga Whakataunga Moni¶

Te kite i tetahi tauhou, tangata tuku, kaihoko ranei e takoto ana i to ara hikoi o mua, ara, papa pakihi iti ranei e mau ana i te tuara o raro, e pupuri ana i te kongakonga niho kua pakaru i mua i te taha o te ipu tango, te whakaatu ranei i te marutanga hou i te wa e kii ana to kuri i te ngau ia ratou tetahi o nga mahanga tino pehanga kaha e aro ana ki nga rangatira o nga rawa. Puta noa i Amerika Te Tai Tokerau, te United Kingdom, Uropi, me Ahitereiria, kua whakaritea nga mowhiti mo te tahae-waahi me nga kaipahua whai waahi ka taka ki runga i nga huarahi noho me nga huarahi hokohoko, ringihia he hinu tunu, ka maturuturu ranei tetahi karepe i roto i o raatau pute ina whakapono ratou karekau he kamera e titiro ana, ka pehi ranei i tetahi karaehe kararehe o mua ki to raina taiapa, katahi ka tono kia tere tonu te tono. $500 ki $5,000 moni moni, utu-utu waea ranei ("no reira kaore au e whai ki te whakapae i to inihua ka ngaro to whare"). Mena ka kii tetahi i whara ia i runga i to whare noho, i to whare arumoni ranei, kaua rawa e utu moni kotahi taara, Venmo, Zelle, Moni Utuka ranei kei te waahi, waea atu ki to rohe. tau ohorere (911 i te United States me Canada, 999 i te United Kingdom, 112 puta noa i te Kotahitanga o Europi, 000 i Ahitereiria) no reira ka whakahaerehia e nga paramedics he aromatawai haumanu whainga me nga pirihimana ka tuhi i te tuakiri ture o te kaikerēme, te kaweake me te kapua-puranga i to 24 / 7 doorbell, CCTV ranei i mua i te 30-ra te huri i te matapihi tuhirua, ka arotake i to maatau. te kaikirimana o te kainga me te aratohu whakamarumaru mo te tinihanga i tera kuaha ki tera kuaha, to tatou te tangata ke i te kuaha me te kaiarahi arai whakaahuru, me to tatou he aratohu whakamarumaru mo te tango me te whakapouri.

E ai ki te Coalition Against Insurance Fraud (CAIF), te National Insurance Crime Bureau (NICB), me te Insurance Fraud Bureau (IFB) i roto i te United Kingdom, i whakahaere nga kerēme taunaha-whare e utu ana mo nga rangatira whare me nga pakihi iti e hia piriona taara ia tau me te whai i nga pukapuka takaro taihara motuhake e rua. I roto i te Puka Taakaro Utu Kaute Inamata, ka whaia e te kaipahua tetahi rangatira whare, rangatira whenua, he kaipakihi motuhake ranei, ka rūpahu i te pepa nanakia i runga i te whakamahau maroke, ka kii ranei i tetahi kurī kore manatokohia, me te akiaki i te rangatira e mataku ana ki te tuku moni i taua wa tonu kia kore ai e whakawakia. I roto i te Puka Taakaro Ture "Runner-and-Mill" kua whakaritea, he iti te takahanga o te mowhiti, ka whakakore i te waka tūroro i te waahi, ka tatari mo te 25 ki te 35 ra tae noa ki te tuhi aunoa a te Ring, Nest, NVR ranei te kaamera haumarutanga o te kaipupuri i te riipene ataata, katahi ka mahi he $100,000 Ko te whakawakanga kiko ngohengohe e tautokohia ana e tetahi whare hauora kino. I muri mai i te tino tiaki mo te maataki me te kawa urupare-whakautu ka whakakore i nga whakaeke e rua tonu.

Mahia tenei inaianei¶

1. Whakakahoretia nga tono katoa mo te utu moni i runga i te waahi, te whakawhiti peeke, te whakaae tuhi ranei mo te he. Ahakoa ka tono te kaikerēme $300 mo te utu tahi tiaki ohorere, $800 mo te karauna niho pakaru, ranei $1,500 ki te "wareware i nga mea katoa i pa," te utu i te taara kotahi o te moni, te whakawhiti hiko ranei (Zelle, Venmo, Cash App, PayPal) e kore e mutu te kereme. I raro i nga ture taunahatanga a-iwi i ia mana whakahaere, ko te tuku moni opaki me te kore he tuku whakataunga ture e kore e aukati i te kaipahua ki te hoki mai i te wiki e whai ake nei me tetahi roia whara whaiaro, a ka tirohia e nga kaipahua he utunga moni tonu hei tohu he tohu ngawari koe mo te tango moni.
2. Waea 911 / 999 / 112 / 000 ki te tuku i nga Ratonga Hauora ohorere (EMS) me tetahi pirihimana whakakakahu ki te waahi. Me kii marie ki te kaikerēme: "Na te mea kei te kii koe kua whara koe i runga i taku rawa, kei te waea atu ahau ki te waka tūroro me te pirihimana i naianei kia tirotirohia koe e nga paramedics me te hanga i tetahi rekoata hauora tino maia." Ko te kaipahua mo te paheke me te hinga, ka ngau kuri rūpahu ranei, tata tonu ka mataku i te wa e rongo ana ratou i te waka tūroro me te kaihoe pirihimana kei te haere, na te mea ka tirohia e nga paramedic nga tohu haumanu whainga (te ngakau, te toto toto, te whakautu a te akonga, te turgor kiri, me te mea he hou, he 48 haora ranei te marutanga) me te whakahaere a nga pirihimana i a raatau ID a te kawanatanga mo nga waati kaha.
3. Tikiake, kaweake, me te whakapuranga tuturu i to riipene kamera haumarutanga i roto i nga meneti 30 tuatahi (tae atu ki te 30 meneti i mua me te 30 meneti i muri mai o te aitua). Kaua e tiro noa i te topenga i roto i to Ring, Arlo, Google Nest, Blink, Wyze, taupānga waea atamai NVR arumoni ranei. Ka mukua e nga kaamera kuaha kapua nga konae i muri i te 30 ki te 60 ra, me nga rekoata CCTV puku (DVR/NVR) tuhiruahia te rīpene i roto i te 72 haora ki te 14 ra. Tikiake te tangata whenua raw .MP4 tika nga konae ataata ki to waea me to rorohiko, tuku kape ki nga puku kapua e rua (Google Drive, iCloud, OneDrive), me te imeera i tetahi kape ki a koe kia hangahia he tohu waahi kore e huri.
4. Whakaahuahia te papa tika, te ara hikoi, te hu, me te whara i kiia i mua i te horoinga, te neke, te whakarereketia ranei. I mua i te muru i te maringi, te nekehia ranei o te whariki kuaha, whakamahia to waea atamai ki te kopere i nga whakaahua taumira teitei me te haere tonu i te whakaata ataata 4K e whakaatu ana:
5. Ko te te ahua tika o te mata (whakamatautauhia he maroke nga hikoi raima, he tote, he marama pai, he kore he koha, he whakaatu ranei he ara motuhake to te pui wai e ahu tika mai ana i te pounamu i roto i te putea ake a te kaikerēme).
6. Ko nga hū o te kaikerēme (whakaahua mena kei te mau ratou i te huu maminga kua tawhito, he rekereke i te takurua, he rekereke teitei ranei).
7. Ko te e kiia ana he maru, he mea ke ranei (mehemea ka ngau te kuri, whakaahuatia mehemea he papanga kua haea kei runga i o ratou tarau, he toto hou ranei; ki te kii he niho pakaru, he karaehe ranei i roto i te kai, tono kia whakaahuahia te kongakonga me te pupuri i te taonga tinana hei tātaritanga taiwhanga).
8. Mena ka kii ratou he ngau kuri, he paopao kararehe ranei, whakamauhia to kuri ki roto tonu ka whakaahuahia to taiapa, keeti, me nga niho me nga waewae o te kuri. Kaua rawa e tukua he kaikerēme pukuriri, he tangata e noho tata ana ranei ki te whakapataritari i to mokai, ki te tono ranei kia tangohia te kararehe i taua waahi. Maukati to kuri ki roto i te ruma o roto, tangohia he riipene tohu wa e whakaatu ana kei muri to kuri i te kuaha kua kati, i roto ranei i te whare i te wa o te kerēme, kimihia te Tiwhikete Kano Kano Rabies o naianei a to kuri, ka tatari mo te Mana Kararehe whai mana, nga pirihimana ranei.
9. Whakamōhio atu ki to Kaipupuri Whare, Kai-Rihi, ki te Kaituku Inihua Motuhake (CGL) ranei te Waeine Tirotiro Motuhake (SIU) i roto i nga haora 24. Waea atu ki te raina whakauru kerēme a to kaiinihua me te kii marama: "Kei te ripoata ahau i tetahi mea kua whakapaehia he mea kua whakapaehia / kerēme tinihanga mo nga kaupapa rekoata anake me te tono ki to Waenga Tirohanga Motuhake (I nga wa e tirotirohia ana e au); ataata me nga whakaahua." Kei roto i to kaupapa here inihua tetahi rarangi "Hanga ki te Whakawa", ko te tikanga me utu e to kaiinihua mo nga roia wawao me nga kaitirotiro tinihanga mo te kore utu o te ture ki a koe.

Rakau Whakatau: Te wharanga rawa me te ngau kurī¶

Whakamahia tenei mahere rerenga mahi i te wa e kii ana te manuhiri, te tangata haere, te kaimahi tuku, te kaihoko ranei kua whara ratou i to rawa.

flowchart TD
    Start["Tangata kei runga i to rawa kereme i te whara: te paheke-a-hinga, te niho whati, te ngau kuri ranei"] --> SafetyCheck["1. SCENE SECUNE & REFUSE CASH: - Kia mau ki te 2 mita (6.5 feet) te tawhiti - KAUA e utu moni, Venmo, Zelle ranei - KAUA e haina i tetahi pepa, whakaae ranei i te he"]

    SafetyCheck --> Call911["2. KAUPAPA KAUPAPA 911 / 999 / 112 KAUPAPA: - Tonoa nga Paramedics (EMS) me nga Pirihimana - Kia kaha te korero: 'Kei te haere te waka tūroro me te pirihimana ki te tirotiro i a koe'"]

    Call911 --> ScammerReaction{"3. He pehea te mahi a te kaikerēme ina tukuna ana a EMS me nga Pirihimana?"}

    ScammerReaction -->|"Ka Rere i te Taahiranga / Whakakahore ki te Tatari mo nga Pirihimana"| FleeProtocol["KARERE TE WHAKAMAHI KI TE WAEWAE RANEI I TE WAKA: 1. KAUA e whaia, e aukati tinana ranei i a ratou 2. Tuhia he ataata mo ratou e hikoi ana / e oma ana me te pereti raihana waka 3. Hoatu ki nga pirihimana te ataata ki te tuhi i te ripoata mo te Tupatopa / Whakamatau Whakamana."]

    ScammerReaction -->|"Ka noho ki te waahi / Tono Moni Moni, Whakamamanahia ranei i te Ture"| StayProtocol["4. WHAKATOKANGA TE WHAKATAKI TINO KI TE WANANGA: - Whakaahua tika te ara hikoi/papa (maroke/makuku), rama, me nga hu o te kaikerēme - Mena i kii te Ngau Kuri: Maukati kuri ki roto, kiriata tonu te taiapa/here, toia te Tiwhikete Rabies - Ki te kereme te Kai/Niho: Pupurihia te mea ke/te kongakonga niho ki roto i te peeke pokekore."]

    FleeProtocol --> ArchiveVideo["5. KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA: - Tikiakehia nga riipene .MP4 taketake mai i te 30 min I MUA ki te 30 min I MURI i te aitua - Tiakina ki te 2 puku kapua motuhake + puku kohiko USB i mua i te 7-ki-30 ra tuhirua."]
    StayProtocol --> ArchiveVideo

    ArchiveVideo --> NotifySIU["6. RIPOATA KI TE INIHURANGA WHAKATITIRO MAHI (SIU): - Tikina nga Pirihimana # me te EMS Run Sheet # - Tukuna 'Whakapuakanga Anake / E whakapaehia ana te Kereme Whakaaetanga' me te Kaipupuri Whare, CGL Inihua Inihua ranei SIU - Ka whakaohohia e te Kai-inihua te tirotiro-whakawhitinga a ISO ClaimSearch mo nga hinganga o mua a te kaikerēme."]

Anatomy o te 4 tino whaanui whanoke whara rawa¶

Ka whakawhirinaki nga kaipahua taunahatanga ki runga i te ohorere, te hara, me te mataku o te rangatira o nga rawa ki nga pikinga moni inihua, ki nga whakawakanga ranei. Ma te mohio ki nga miihini tinana o ia tinihanga ka taea e koe te kite i te tinihanga i roto i nga hēkona:

Te tirohanga matakite: He paheketanga hangarau koiora me te whakahekenga i runga CCTV¶

Ina arotake koe i to kaamera haumarutanga, i te rīpene pereka kuaha i te taha o nga pirihimana me te Waenga Tirotiro Motuhake a to kamupene inihua (SIU), kimihia enei tohu miihini koiora e rima e wehewehe ana i te paheketanga ohorere mai i te takahanga kua whakaritea:

================================================================================
   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
================================================================================

Kawa-a-taahiraa mo te tiaki me te kati i o taunakitanga ataata¶

Ko te hapa nui rawa atu o nga rangatira o nga rawa i muri i tetahi aitua hihira ko te whakaaro na te mea i maataki ratou i te topenga i runga i ta raatau waea waea, ka tiakina pai te ataata. Me whai tonu i tenei rarangi arowhai tiaki matihiko e 4-taahiraa:

1. Kawea atu te Maori Raw .MP4 Kōnae (Kaua rawa e ti'aturi i runga i te hopu mata anake)¶

• Whakatuwherahia to taupānga kamera (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, ranei Lorex) ka whakamahi i te paatene Tikiake / Kaweake Topanga Taketake kia ora ai te konae me tana taumira taketake, reeti anga, me nga metadata kua mau.
• Mena kei te whakamahi to punaha i tetahi pouaka NVR / DVR o te rohe e hono ana ki te kaitutei, whakauruhia he Puku kohiko USB kua whakahōpututia ki te tauranga USB o mua o te NVR, tohua Backup / Export, kowhiria te Ko te Rere Matua (Whakamaramatanga Teitei) me te kaiwhakatangi whakaurunga / .MP4 whakahōputu, ka kaweake i te matapihi haere tonu ka timata 30 meneti i mua i ka tae mai te tangata i roto i te 30 meneti i muri i to ratou haerenga.

2. Hopukia nga Koki Kaamera i mua i te aitua me muri mai i te aitua (Tae atu ko nga Kaamera a nga hoa tata)¶

• He maha nga wa ka tuuhia e te kaipahua te paheke me te hinga tana motoka haere e rua, e toru nga whare ki raro i te tiriti kia kore ai e taea e to kaamera kuaha te panui i to pereti raihana, ka kopahu i te wa i mua tonu o to whare, katahi ka ** ka omaoma, ka hikoi noa ranei** ka pahemo i to taiepa.
• Hikoi ki o hoa noho tata i nga taha e rua me te taha o te tiriti i taua ra ano. Tonoa kia tirohia me te tiki ake i a raatau pere kuaha me nga topenga kamera arataki mai i taua matapihi 30-meneti. Ko te riipene Ring a tetahi hoa tata e whakaatu ana i te kaikerēme "kopa" e hīkoi ana ki te SUV kua tu e 50 mita (164 putu) te tawhiti, he whakaaturanga mo te keehi.

3. Hoatuhia te 3-2-1 Ture Pūrua Forensic¶

• Tiakina 3 kape o ia konae ataata me nga whakaahua puta noa i 2 momo purongo rokiroki rereke (to puku rorohiko me te puku USB o waho) me 1 kape kei te rongoa i waho-pae i te kapua (Google Drive, iCloud Drive, Dropbox, ranei OneDrive).
• Tukuna mai he kape o nga konae ataata (he hononga kapua tiritiri ranei) ki to wahitau imeera me te wahitau imeera a to hoa rangatira, hoa pakihi ranei. Ko te pane o te tūmau imeera e whakarato ana i tetahi tohu motuhake, tamper-proof RFC 5322 cryptographic timestamp e whakaatu ana kei te noho tonu te ataata i taua ahua tika i te ra i puta mai ai.

4. Tiakina nga Whakaaturanga Tinana¶

• Mena ka tukuna e te kaipahua tetahi mea ke (he pounamu ka ringihia he wai, he niho rūpahu, he karaihe ranei ki roto i te kai), waiho te taonga ki roto i te peeke hiri me te ra me te wa, ka rongoa mo nga pirihimana, ki te taiwhanga a to kaiinihua.

Nga tikanga whakamarumaru motuhake mo nga kerēme rūpahu, ngau kurī ranei¶

Ko nga kaipupuri kuri te tino whainga mo nga kaipahua putea moni na te mea e mataku ana nga rangatira ka hopukia e te Mana Kararehe a ratou mokai. Tiakina koe me to kuri ki enei mahi:

1. Kia mohio me pehea te mahi taratahi Mana Kararehe whaimana:
2. He teka noa te hunga kaipahua me te kii ka whakakorea e te Mana Kararehe to kuri i tenei ra ki te kore koe e utu $1,000 moni moni.
3. He teka tena. I te US, Canada, UK, me Ahitereiria, karekau he mokai kano kano e whakapaea ana mo te ngau iti kaore i te whakakorehia. Ko nga ture hauora e hiahia ana he 10 ra mo te tirotiro rabies, mo te mokai kano kano he Home Quarantine i roto i to whare i muri i to manatoko i to Tiwhikete Rabies.
4. Whakaahua te arai, te here, me te waahi ngau e kiia ana inaianei:
5. Mahia he ataata haere tonu e whakaatu ana i mau te keeti, karekau he mokowhiti o te taiapa, ka whakairia nga tohu whakatupato.
6. Whakaahuahia te wharanga i kiia mai i te 1 mita (3.3 putu) te tawhiti. Ki te ngau te kurī i roto i te tarau tarau, i te ringaringa ranei kia pakaru te kiri, ka waiho e nga niho kuri he poka wero, he huware ranei ki te papanga. Ko te papanga totika i runga i te rakuraku kua marara te tohu i puta te patunga i etahi atu waahi.
7. Inehia me te tuhi i te whakaaturanga niho o to kuri:
8. Me tuhi to rata kararehe i te taumaha o to kuri, te mana kano kano, me te te whanui o te kuri (te tawhiti i roto i te mitamano i waenga i nga niho kuri). He rite tonu te whakahee a nga kaitirotiro i nga kereme ngau kuri rūpahu ma te whakaatu kaore te tohu i runga i te ringa o te kaikerēme e rite ki te whanui kauae o te kuri.

Me pehea e hinga ai te Waenga Tirotiro Motuhake a to kamupene inihua (SIU) i nga kereme tinihanga¶

Anei me pehea te whakaatu tika i tetahi aitua kia whawhai to kaiinihua mo koe me te kore e utu i te kaipahua:

1. Tonoa he "Mohiohio-anake / Tohunga Tiaki Tiaki ki te SIU"¶

• Ko ia kai-inihua nui e pupuri ana i tetahi Waehere Tirotiro Motuhake (SIU) kua whakatapua e nga kaitirotiro o mua me nga kaitirotiro mo nga kaitirotiro.
• Maamaa te korero: "Kei te ripoata ahau i te whakapae he wharanga / hee ngana ki runga i aku rawa, kare au i whakaae ki te utu moni, a he ataata taku e whakaatu ana i mahia. Tena koa whakatuwheratia he haki tirotiro tinihanga a te SIU, kaua hoki e tukuna he whakataunga whakakino."

2. Keu te ISO ClaimSearch / CLUE / IFB Raraunga Raraunga-Tirohanga¶

• Ka tukuna e nga kaipahua ngaio nga kerēme rite tonu puta noa i nga umanga inihua rereke.
• Ina tuhia e to inihua nga korero a te kaikerēme ki roto i te Verisk ISO ClaimSearch database (US), Équité Association (Canada), ranei Claims and Underwriting Exchange (CUE) (UK), ka tohuhia e te punaha mena i kii taua tangata i mua i te paheke-a-hinga, i nga niho pakaru ranei i nga marama tata nei.

3. Kaua rawa e tukua e te Scammer te akiaki ia koe ki te utu "i raro i to tangohanga"¶

• I runga i te paerewa Kai Rangatira (HO-3), Nga Kaihoko (HO-4), taunahatanga Ahumoni Aromoni ranei (CGL) kaupapa here, kei te nuinga o nga wahanga Kapi taunahatanga (Kapi E) me nga Utu Hauora (Kapi F). $0 whakaheke. Ka timata te tiaki taunahatanga mai i te taara tuatahi, a ka utua e te kai-inihua te 100 paiheneti o te roia parepare me nga utu SIU.

Ko nga nama ohorere a-rohe me nga hongere ripoata mo te tinihanga inihua¶

Mena ka ngana te kaipahua ki te tango moni i runga i to rawa, ka tuku ranei i tetahi kerēme mo te whara kino, ripoatahia te aitua ki te mana whakahaere ture o te rohe me to tari inihua mo te motu:

• Te Hononga o Amerika:
• Te Tari Pirihimana me te EMS: Waea 911 i te wa e noho ana te kaikerēme i runga i to rawa kia puta he ripoata tiaki turoro EMS (ePCR) me te Ripoata Tuturu a nga Pirihimana ka hanga tonu.
• Ngā Waea Whakatairanga Inihua mo te Inihua o te Motu: Ripoata e whakapaehia ana he paheke-a-hinga, he tinihanga ngau kuri, he waea kaikawe ranei ki te National Insurance Crime Bureau (NICB) i 1-800-TEL-NICB (1-800-835-6422) ipurangi ranei i nicb.org, tae atu ki to Te Tari Tari mo te Inihua Tinihanga Tari.
• Kanata:
• ** Te Tari Pirihimana & EMS **: Waea ** 911 ** mo nga pirihimana me te aromatawai paramedic i te waahi.
• Ripoata mo te Hara Inihua: Whakapa atu ki te Equité Association (i mua i te Tari Inihua o Canada Investigative Services) raina tohu i 1-877-422-8477 ranei nga Kaipupuri Hara i 1-800-222-8477.
• United Kingdom:
• Hukupapaku me te Tari Pirihimana: Waea 999 ki te kore te tangata kaipahua e whakaae ki te whakarere i to rawa, ka whakatuma i a koe, ka kii mai ranei he whara kino, waea atu ranei ki te 101 ki te tuhi i tetahi purongo tinihanga kore ohorere ka whiwhi i te Tau Tohutoro Hara.
• Raina Tinihanga a te Tari Tinihanga Inihua (IFB): Ripoata i te wharanga whaiaro, i te "tutuki/paheke mo te moni" kerēme matatapu ki te IFB Cheatline i 0800 422 0421 mā insurancefraudbureau.org, me te tuku korero ki te Taone o te Tari Pirihimana Pirihimana Inihua Whakamana tinihanga (IFED) ma te Action Fraud (0300 123 2040).
• Uniana Pākehā:
• Tuhinga Ohotata: Waea 112 ki te tono pirihimana taone nui, motu ranei me te manatoko waka tūroro i te waahi, ka tono he ripoata pirihimana ōkawa (procès-verbal i France/Belgium, Strafanzeige wegen Betrugs / Erpressung i Tiamana, denuncia i Spain/Italy) i mua i te whakamohiotanga ki to kaiwhakatakoto inihua taunahatanga (assurance responsabilité civile / Privathaftpflichtversicherung).
• Ahitereiria me Aotearoa:
• Tuhinga Ohotata: Waea 000 (Ahitereiria) ranei 111 (Aotearoa) ki te whakawehia, ki te kii mai ranei tetahi he whara i to whare, waea atu ranei ki te Raina Awhina Pirihimana (131 444 i AU / 105 i Aotearoa). Tukuna atu nga kerēme tinihanga ki te Kaunihera Inihua o Ahitereiria (ICA), ki te Te Tari Inihua Tinihanga o Aotearoa (IFBNZ).

Pātai auau¶

Ki te kii tetahi ka wareware ia ki te katoa o te whara mena ka hoatu noa e au he putea $200 i naianei, me te tuku ki te haina i tetahi tuhi tuhi-a-ringa ki runga tauera, he aha ahau ka kore ai e mahi?¶

Kaua rawa e utu moni i te waahi, ahakoa ka tono te tangata ki te haina i tetahi pepa tuhi-a-ringa. Tuatahi, ka hoki mai nga kaipahua nana i pai te tango moni $200 mai i tetahi rangatira whare, kaihoko toa ranei i nga ra i muri mai e kii ana "kua roa nga tohu o roto" ka tuku ranei i o raatau hoa ki te aro ano ki taua wahi noho. Tuarua, he maha nga wa ka whakakorehia e nga kooti nga "tuku tauera" kua hainatia i nga meneti i muri i te whakapae i te wharanga i raro i nga whakaakoranga o te pohehe, te tohe, te kore whakaaro ranei. Tuatoru, ko te tuku moni ka taea e te roia o te kaikerēme tinihanga te whakakorikori hei whakaae mo te hara ("He aha te tangata nona te kainga ka tuku moni $200 mena kaore i te kino o ratou hikoi?"). Tohe tonu ki te whakahaere i nga kereme whara ma roto noa i nga tuhinga rongoa EMS whaimana me to kawe inihua taunahatanga.

Taria, karekau koe e waea atu ki te waka tūroro (911/999/112) mo te tangata kei te tinihanga i te whara ka awhina noa ia ki te hanga huarahi pepa mo te whakawakanga?¶

Kao, ko te karanga tonu i a EMS te huarahi tino kaha ki te whakangaro i te kereme whara rūpahu. Ko nga kaipahua tinihanga-a-hinga me te ngau kuri e whakawhirinaki ana ki te Whakaaetanga Kaupapa Whakaroa: te waiho i to rawa kia kore e tirotirohia me te toro atu ki tetahi chiropractor kino, whare haumanu ranei e toru nga ra i muri mai ka taea e ratou te kii i tetahi tohu e hiahia ana ratou. I te taenga mai o nga paramedic o te taone nui ki te waahi i roto i nga meneti 8, ka tuhia e ratou nga kitenga haumanu i runga i te Ripoata Tiaki Tiaki o mua: te toto toto me te pupuhi (kaore he urupare mamae nui), te kore o te pupuhi, te maru, te toto ranei, te kakahu mau, nga nikau ma, me te katoa o te nekehanga. He pai ake, 90 paiheneti o nga kaipahua-putea ka oma atu i te waahi ka rongo ratou i a koe e tuku ana i a raatau whakaahuatanga tinana ki tetahi kaikawe 911.

He aha mena karekau he kamera Ring, he CCTV ranei e tohu ana ki te waahi tika i kii ai ratou i hinga?¶

Ahakoa i ngaro to kamera ake i te mita tapawha tika o te ngahuru, kei a koe tonu nga taputapu matapae kaha. Tuatahi, tango wawe i nga whakaahua waea atamai kua tohua te waa o te ara hikoi, te papa ranei e whakaatu ana he maroke, he mau tonu, he rama marama, he pai ki te ture, me te whakaahua i nga hu me nga ringaringa o te kaikerēme. Tuarua, tirohia te oro o to kamera me nga koki whakatata ki te hopu i te huarahi o te tangata i haere ki runga, ki waho atu i to rawa. Tuatoru, hīkoi ki o hoa noho ki tera taha o te tiriti me nga kuaha e rua ki raro i nga taha e rua i taua wa tonu: ka mau tonu a ratou pere kuaha, kamera dashcam ranei i nga wa katoa ka mau te kaikerēme i a raatau waka, me te hikoi i mua i te taenga atu ki to whare, me te tuku i o raatau ruruku i te wa e hikoi ana ratou i to huarahi.

Ka taea e au te pupuri tinana, te pupuri ranei i tetahi kaipahua i runga i taku whakamahau kia tae ra ano nga pirihimana mena ka mohio ahau kei te korero teka?¶

Kao, kaua rawa e kapohia, ka mau, ka kati i roto i te ruuma, ka aukati ranei i te tangata, i tana waka ranei kia puta atu i to rawa. Ko te ngana ki te mauhere-a-tinana i runga i tetahi kerēme tinihanga ka pa ki a koe ki te tutu a-tinana pono (he maha nga kaipahua e mau ana i nga patu huna, he hoa mahi ranei e tatari ana i roto i te motoka i te pareparenga) tae atu ki nga whakapae taihara, a-iwi ranei mo te huaki, he mauhere teka ranei. Kia mau ki te 2 mita (6.5-waewae) te tawhiti, hoki whakamuri i muri i to tatau kua raka ki te riri ratou, me te tuhi ataata o ratou e haere ana me te kuhu ki roto i to waka kia mau te kanohi me te pereti raihana ki nga pirihimana.

He aha te mahi a tetahi wharekai iti, rangatira toa toa kai ranei ki te kii te kaihoko kua pakaru tona niho i runga i te toka, i te karaihe karaihe ranei i tana kai?¶

Kia noho marie, kia ngawari, kia aroha ki te kore e whakaae ki te he, ki te utu moni ranei. Me tono tonu kia tirotirohia me te pupuri i te toenga o te pereti kai me te mea e kiia ana ko te mea ke, te kongakonga niho pakaru ranei ("Me hiri me te pupuri i te taonga me te toenga o te kai i tenei wa tonu kia taea e te taiwhanga kawe inihua te tātari me te kimi i te puranga kaiwhakarato"). Tangohia nga whakaahua tata-taumira teitei o te mea i te taha o te moni mo te tauine. Tukuna ki te waea atu ki nga kaiparapara mena kei te toto ratou, tuhia o raatau ID a te kawanatanga me nga korero whakapiri ki runga i te Puka Ripoata o nga Taketake, tiakina nga whakaahua CCTV ruma kai katoa mai i te wa i noho ai ratou, ka kii atu ki a raatau ka whakapa atu to Kaihautu Whakaaetanga Ahumahi Ahumahi ki a ratou i roto i te 24 haora. Ko nga kaipahua e mau ana i te kirikiri pukoro, i nga niho tawhito ranei kua tangohia, tata tonu ka kore e whakaae ki te tuku i te kongakonga, ki te hoatu ranei i te ID tūturu.

Mena ka waea atu ahau ki te kamupene inihua o taku rangatira whare ki te whakaatu noa i whakamatau tetahi kaipahua ki te hianga rūpahu i runga i taku huarahi, ka piki ake aku reiti inihua?¶

Ko te tuku korero mo tetahi aitua hei "Whakapuakanga-anake / Tohunga Tiaki Tiaki ki te SIU" kaore he taara ka utua (`$0 Loss Paid`) i te nuinga o te wa karekau he utu taapiri kereme i runga i te nuinga o nga kaupapa here a te rangatira o te kainga, ina koa ka whakamutua e to riipene whakaata i te tohe $50,000 tinihanga i te ono wiki i muri mai. Na roto i te whakamohiotanga i te Waehe Tirotiro Motuhake a to kai-inihua i te Ra 1 me te tuku i te riipene whakaata e whakaatu ana kaore i whara te tangata, i whakatauhia ranei te hinganga, ka tutuki i a koe te tikanga "Whakaatu Tohu" o to kaupapa here i te wa e mau ana koe i te roopu whakamarumaru ture a to kaiinihua i mua i te utu a te kaipahua i tetahi roia.

Nga kaiarahi e pa ana¶

• Ko te tangata ke i te kuaha, te kaitawhai whaipainga, me te parepare whakaekenga ki te kainga
• Ko te aroha, ko te awhina i nga aitua, me nga mahi tinihanga a nga kaikirimana kuaha ki tera kuaha i muri i nga awha
• Ko te tuanui me te ara taraiwa nga mahi tinihanga a te hunga haere me te whakamarumaru o nga kaumatua
• Te muru, te whakapouri, me te kahaki mariko mo te utu utu
• Whaiaronga nama ohorere

Nga puna me nga aratohu whai mana¶

• National Insurance Crime Bureau (NICB): Premises Liability Fraud: Te tautuhi i nga Taapiri-a-Hinga Mowhiti, Nga Kereme Kai-Tahi-Tahi, me nga Kaipupuri Kaipupuri Whare.
• Coalition Against Insurance Fraud (CAIF): Paki Pakihi Iti me te Puka Puka Tiaki Tiaki Kaainga ki nga aitua, Nga Whatunga Kaiwhaiwhai, me nga Whakarerenga Whakaaetanga Whaimana.
• Te Tari mo te Mahi tinihanga Inihua (IFB - United Kingdom) me te Taone o Raanana Pirihimana Pirihimana Tari Whakamana Hianga (IFED): Slip-for-Cash and Staged Public/Premises Liability Investigation Standards Investigation Standards.
• Te Tari Ratonga Inihua (Verisk ISO ClaimSearch): Special Investigations Unit (SIU) Protocols for Cross-Indexing Repeat Bodily Innjury Claims and Preserving Digital CCTV Evidence.
• Te Pokapū mo te Mana Whakaora me te Aki (CDC) & National Animal Care and Control Association (NACA): Compendium of Animal Rabies Prevention and Control - Nga Kawa Tiaki Ngau Kuri Domestic and Forensic Bite Verification.