Ma Staged Slip-and-Fall, Dooth-Tooth, ndi Fake Dog-Bite Property Scams: Kusunga Mawonekedwe a Kamera ndi Kukana Kukhazikitsa Ndalama¶

Kupeza mlendo, munthu wobweretsa katundu, kapena kasitomala atagona kutsogolo kwanu, panjira, kapena pansi pamalonda ang'onoang'ono atagwira kumbuyo kwawo, atanyamula kachidutswa kakang'ono ka dzino losweka pafupi ndi chidebe chochotsamo, kapena kuwonetsa bala laposachedwa pomwe akunena kuti galu wanu wawaluma ndi imodzi mwamisampha yolanda kwambiri eni ake. Kudera lonse la North America, United Kingdom, Europe, ndi Australia, mabungwe achinyengo omwe ali ndi chinyengo pa malo ndi olanda mwayi amagwera pamasitepe okhala ndi malo ogulitsira, kuthira mafuta ophikira kapena kutaya mphesa imodzi m'thumba lawo pomwe amakhulupirira kuti palibe kamera ikuyang'ana, kapena kukanikiza nyama yomwe idakhalapo kale pampanda wanu, kenako ndikufunsani $500 ku $5,000 ndalama kapena ndalama zolipirira foni yam'manja ("kotero sindiyenera kuimbidwa mlandu wa inshuwaransi ndikukutayitsani nyumba yanu"). Ngati wina anena kuti anavulazidwa pamalo omwe mukukhala kapena malonda, **musapereke ndalama imodzi, Venmo, Zelle, kapena Cash App pomwepo **, imbani nthawi yomweyo manambala angozi (911 ku United States ndi Canada, 999 ku United Kingdom, 112 kudutsa European Union, 000 ku Australia) kotero kuti azachipatala amawunika zomwe akufuna ndipo apolisi amalemba mbiri ya wodandaulayo, kutumiza kunja ndi kusunga pamtambo belu lanu la 24/7 kapena kanema wa CCTV isanakwane, ndikufufuta zenera la masiku 30. kontrakitala wanyumba ndi chiwongolero chachitetezo chachinyengo cha khomo ndi khomo, wathu mlendo pakhomo ndi wotsogolera wodzitetezera,ndi athu chiwongola dzanja ndi chitetezo cham'manja.

Malinga ndi bungwe la Coalition Against Insurance Fraud (CAIF), National Insurance Crime Bureau (NICB), ndi Insurance Fraud Bureau (IFB) ku United Kingdom, adapanga ziwongola dzanja zomwe zimawononga eni nyumba ndi mabizinesi ang'onoang'ono mabiliyoni a madola pachaka ndikutsata mabuku awiri osiyana amilandu. Mu Immediate Cash-Shakedown Playbook, wachinyengo amayang'ana mwininyumba wamkulu, eni nyumba, kapena wogulitsa sitolo wodziyimira pawokha, amanamizira kuti sali wachiwawa pakhonde louma kapena kunena kuti wapha agalu osatsimikizika, ndikukakamiza mwiniwake wamanthayo kuti apereke ndalama nthawi yomweyo kuti apewe mlandu. M'buku la Organised "Runner-and-Mill" Lawsuit Playbook, mphete yolumikizidwa imangogwa pang'ono, imakana ambulansi pamalopo, imadikirira masiku 25 mpaka 35 mpaka kamera yachitetezo ya eni ake a Ring, Nest, kapena NVR ingochotsa kanemayo, kenako ndikutumiza $100,000 mlandu wa minofu yofewa mothandizidwa ndi chipatala chachinyengo. Kutsatira mosamalitsa chitetezo chazamalamulo komanso njira yothanirana ndi vuto ladzidzidzi kumalepheretsa kuukira konseko nthawi yomweyo.

Chitani izi tsopano¶

1. Kanizani chilichonse chomwe mukufuna kuti mulipidwe pomwepo, kusamutsa ku banki, kapena kuvomereza kolemba kuti walakwa. Kaya wodandaulayo apempha $300 kuti mupereke chithandizo mwachangu, $800 kwa korona wamano wosweka, kapena $1,500 "kuyiwala zonse zomwe zidachitika," kulipira dola imodzi yandalama kapena kutumiza pakompyuta (Zelle, Venmo, Cash App, PayPal) samathetsa zonenazo. Pansi pa malamulo okhudza milandu ya anthu m'madera onse, kupereka ndalama mwachisawawa popanda chilolezo chovomerezeka sikumaletsa wachinyengo kubwereranso sabata yamawa ndi loya wovulalayo, ndipo ochita chinyengo amawona kubweza ndalama posachedwa ngati umboni kuti ndinu chizindikiro chosavuta kuti mubwerenso.
2. Imbani 911 / 999 / 112/000 mwamsanga kuti mutumize onse aŵiri Emergency Medical Services (EMS) ndi wapolisi wovala yunifolomu pamalo angozi. Muwuzeni wodandaulayo modekha kuti: "Chifukwa chakuti wanena kuti ndavulazidwa ndi katundu wanga, ndikuyimbira ambulansi ndi apolisi pompano kuti azachipatala akupendeni ndi kupanga mbiri yovomerezeka yachipatala ndi munthu amene wavulala kwambiri." munthu wolumala ndi kugwa kapena wabodza wolumidwa ndi agalu nthawi zambiri amachita mantha akamva ambulansi ndi cruiser ya apolisi ili panjira, chifukwa othandizira amawona zizindikiro zachipatala (kugunda kwa mtima, kuthamanga kwa magazi, kuyankha kwa ana, kuphulika kwapakhungu, komanso ngati chilonda chiri chatsopano kapena maola 48) ndipo apolisi amayendetsa ID yawo ya boma kuti apeze zilolezo zogwira ntchito.
3. ** Tsitsani, tumizani kunja, ndi kusunga kwamuyaya zomwe kamera yanu yachitetezo mkati mwa mphindi 30 zoyambirira (kuphatikiza mphindi 30 izi zisanachitike ndi mphindi 30 zitachitika).** Osangowonera kanema mkati mwanu. Ring, Arlo, Google Nest, Blink, Wyze, kapena pulogalamu yamakono ya NVR yamalonda. Makamera amtambo wamtambo amachotsa zithunzi zokha pakadutsa masiku 30 mpaka 60, ndi zojambulira za CCTV zolimba (DVR/NVR) lembani zowonera mkati pang'ono maola 72 mpaka masiku 14. Koperani yaiwisi mbadwa .MP4 mafayilo amakanema mwachindunji pafoni yanu ndi kompyuta yanu, kwezani makope kumagalimoto awiri osiyana amtambo (Google Drive, iCloud, OneDrive), ndikutumizirani imelo kopi kuti chidindo chosasinthika chipangidwe.
4. Jambulani chithunzi cha pansi, kanjira, nsapato, ndi kuvulazidwa komwe kukuchitika musanatsukidwe, kusunthidwa, kapena kusinthidwa. Musanapukute zomwe zatayikira kapena kusuntha chopondera, gwiritsani ntchito foni yamakono yanu kujambula zithunzi zowoneka bwino komanso kanema wa 4K wosimbidwa mosalekeza:
5. Zomwe zili pamwamba pake (tsimikizirani kuti masitepe a konkire anali owuma, amchere, owala bwino, komanso opanda chilema, kapena awonetseni kuti thabwa lamadzimadzi lili ndi kanjira kolunjika kuchokera ku botolo lomwe lili m'thumba la wodzinenerayo).
6. Nsapato za wodzinenera (chithunzi ngati atavala zonyezimira zotha, zopindika m'nyengo yozizira, kapena zidendene zazitali).
7. balalo kapena chinthu chachilendo (ngati anena kuti walumidwa ndi galu, jambulani ngati pali nsalu yong'ambika pa thalauza lawo kapena magazi atsopano; ngati anena kuti wathyoka dzino kapena galasi m'zakudya, pemphani kujambula chidutswacho ndikusunga chinthucho kuti chifufuze za labotale).
8. Ngati akunena kuti walumidwa ndi galu kapena kugwetsa chiweto, mutetezereni galu wanu m'nyumba mwamsanga ndipo mujambule mpanda wanu, zitseko, mano ndi zikhadabo za galuyo. Musalole kuti wodzinenera wankhanza kapena woimirirayo akukwiyitseni chiweto chanu kapena kulamula kuti chiwetocho chichotsedwe pomwepo. Tsekerani galu wanu mkati mwa chipinda chamkati, tengani kanema wosonyeza kuti galu wanu anali kuseri kwa chipata chokhoma kapena ali m'nyumba panthawi yomwe akufunafuna, pezani Chiphaso cha Katemera wa Chiwewe cha Chiwewe* cha galu wanu, ndipo dikirani kuti boma liziyang'anira zinyama kapena apolisi.
9. Ziwitsani Eni nyumba, Renter, kapena Commercial General Liability (CGL) Special Investigations Unit (SIU) ya carrier wanu wa inshuwaransi pasanathe maola 24. Imbani foni ya inshuwaransi yanu ndi kunena mosapita m'mbali kuti: "Ndikunena za zomwe zikuganiziridwa kuti zachitika / zachinyengo pazolinga zojambulidwa zokha); ndikupempha kuti ndikusungireni ku Unit Special mavidiyo ndi zithunzi zojambulidwa nthawi." Inshuwaransi yanu ili ndi ndime ya "Duty to Defend", kutanthauza kuti kampani yanu ya inshuwaransi iyenera kulipira maloya oteteza chitetezo ndi ofufuza zachinyengo popanda mtengo wotuluka m'thumba.

Mtengo wachigamulo: Kuvulaza katundu ndi kulumidwa ndi agalu¶

Gwiritsani ntchito tchatichi nthawi yomwe mlendo, wodutsa, wogwira ntchito, kapena kasitomala akuti avulala pamalo anu.

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Anatomy ya 4 chinyengo chofala kwambiri chowononga katundu¶

Ochita katangale amadalira modzidzimutsa, kudziimba mlandu, komanso kuopa kwa eni nyumba kukwera mtengo kwa inshuwaransi kapena milandu. Kuzindikira kumango kwa chinyengo chilichonse kumakupatsani mwayi wowona zachinyengo mumasekondi:

Zowona zazamalamulo: Kutsika kwenikweni kwa biomechanical vs¶

Mukawunika kamera yanu yachitetezo kapena chithunzi cha belu pakhomo limodzi ndi apolisi ndi Special Investigations Unit ya kampani yanu ya inshuwaransi (SIU), yang'anani zolembera zisanu izi za biomechanical zomwe zimasiyanitsa kutsetsereka kwenikweni kwangozi ndi kugwa kochitika:

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

Ndondomeko ya pang'onopang'ono yosungira ndikutseka umboni wanu wamavidiyo¶

Kulakwitsa kwakukulu komwe eni eni nyumba amapanga pambuyo pa chochitika chokayikitsa ndikungoganiza kuti chifukwa adawonera kanema pa pulogalamu yamafoni awo, vidiyoyo imasungidwa bwino. Tsatirani ndondomeko yeniyeni ya masitepe 4yi nthawi yomweyo:

1. Kutumiza kunja kwa Yaiwisi Yaiwisi .MP4 Fayilo (Osadalira Chojambulira Chokhachokha)¶

• Tsegulani pulogalamu yanu ya kamera (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, kapena Lorex) ndipo gwiritsani ntchito batani la Download / Export Original Clip kuti fayilo isunge ndikusintha kwake koyambirira, kuchuluka kwa chimango, ndi metadata yophatikizidwa.
• Ngati makina anu akugwiritsa ntchito bokosi la **NVR / DVR lolumikizidwa ndi chowunikira **, ikani mawonekedwe a USB flash drive padoko lakutsogolo la NVR, sankhani Backup / Export, sankhani zonse Main Stream (High Definition) ndi wosewera womangidmo / .MP4 fomati **, ndi kutumiza zenera mosalekeza kuyambira 30 mphindi pamaso munthu kufika kudzera **30 mphindi ** atachoka.

2. Jambulani ngodya za kamera zomwe zidachitika kale komanso zachitika pambuyo pake (Kuphatikiza makamera a Neba)¶

• Wobera wina amangoyimitsa galimoto yawo yothawa kwawo nyumba ziwiri kapena zitatu mumsewu kuti kamera yanu yachitseko isathe kuwerengera laisensi yake, imadumphira kutsogolo kwa nyumba yanu, ndiyeno kuthamanga kapena kuyenda bwinobwino ikadutsa mpanda wanu.
• Yendani kwa anansi anu apafupi mbali zonse ndi kuwoloka msewu ** tsiku lomwelo **. Afunseni kuti ayang'ane ndikutsitsa mabelu apakhomo ndi makamera awo pawindo la mphindi 30. Kanema wa mphete ya mnansi yemwe akuwonetsa wodzinenera "wolumala" akuthamangira pagalimoto ya SUV yoyimitsidwa mtunda wamamita 50 (mamita 164) ndi chiwonetsero chochotsa milandu nthawi yomweyo.

3. Ikani 3-2-1 Forensic Backup Rule¶

• Sungani makopi 3 a fayilo iliyonse ya kanema ndi chithunzi 2 zosungirako zosiyanasiyana (hard drive ya pakompyuta yanu kuphatikiza USB drive yakunja) ndi kopi imodzi yosungidwa pamtambo (Google Drive, iCloud Drive, Dropbox, kapena OneDrive).
• Tumizani imelo kopi ya mafayilo amakanema (kapena ulalo wogawana nawo) ku adilesi yanu ya imelo komanso imelo adilesi ya mnzanu kapena bizinesi ya mnzanu nthawi yomweyo. Mutu wa seva ya imelo umapereka chidziwitso chodziyimira pawokha, chodziyimira pawokha RFC 5322 cryptographic timestamp kutsimikizira kuti kanemayo analipo momwemo patsiku la zomwe zinachitika.

4. Sungani Umboni Wakuthupi¶

• Ngati wobera wagwetsa chinthu chachilendo (botolo lomwe amathira madzi, dzino labodza, kapena galasi m'zakudya), ikani chinthucho m'thumba lomata ndi tsiku ndi nthawi, ndikusungira apolisi kapena labotale yanu ya inshuwaransi.

Njira zodzitchinjiriza zodzitchinjiriza zabodza kapena kukokomeza zolumidwa ndi agalu¶

Eni ake a agalu ndi omwe amawatsata kwambiri akazembe olanda ndalama chifukwa eni ake akuopa kuti Animal Control ilanda chiweto chawo. Dzitetezeni nokha ndi galu wanu ndi njira izi:

1. Mvetserani momwe kukhazikitsira kwazanyama kumagwira ntchito:
2. Onyenga amanama nthawi zonse ndikunena kuti Animal Control ithandiza galu wanu lero pokhapokha mutalipira $1,000 ndalama.
3. Zimenezo nzonama. Ku US, Canada, UK, ndi Australia, chiweto chomwe chili ndi katemera chomwe chikuyimbidwa kuti chinalumidwa pang'ono sichiloledwa. Malamulo a zaumoyo nthawi zambiri amafunikira **nthawi yamasiku 10 yowonera matenda a chiwewe **, yomwe kwa chiweto cholandira katemera nthawi zambiri imakhala Njira Yotsekeredwa M'nyumba mwanu mukatsimikizira Satifiketi yanu ya Chiwewe.
4. Jambulani chotchinga, leash, ndi malo omwe akuti alumidwa nthawi yomweyo:
5. Tengani kanema wosalekeza wosonyeza kuti chipatacho chinatsekedwa, mpanda ulibe mipata, ndipo zizindikiro zochenjeza zinayikidwa.
6. Jambulani kuvulala komwe akuti kuli pa 1 mita (3.3 mapazi) kutali. Galu akalumidwa ndi thalauza kapena mkono wosweka khungu, mano a canine amasiya mabowo oboola kapena malovu pansaluyo. Nsalu yosasunthika pamwamba pa mkwapulo imatsimikizira kuti chilondacho chidachitika kwina.
7. Yesani ndi kulemba mbiri ya galu wanu wamano:
8. Funsani veterinarian wanu kuti alembe kulemera kwa galu wanu, katemera, ndi ** inter-canine wide ** (mtunda wa millimeters pakati pa mano a canine). Ofufuza nthawi zambiri amatsutsa zonena zabodza zolumidwa ndi agalu posonyeza kuti chizindikiro chomwe chili pamkono wa wodzinenera sichikugwirizana ndi nsagwada za galuyo.

Momwe bungwe lanu la inshuwaransi la Special Investigations Unit (SIU) limagonjetsera anthu achinyengo¶

Umu ndi momwe munganenere zomwe zachitika moyenera kuti inshuwaransi yanu ikumenyereni popanda kulipira wobera:

1. Pemphani "Zambiri-Zokha / Zosakayikira Zachinyengo Zotumiza ku SIU"¶

• Wopereka inshuwaransi wamkulu aliyense amakhala ndi Special Investigations Unit (SIU) yodzipereka yogwira ntchito ndi ofufuza akale komanso akatswiri azamalamulo.
• Nenani momveka bwino kuti: "Ndikunena za munthu yemwe akuganiziridwa kuti akufuna kuvulazidwa / kulanda katundu panyumba yanga, ndinakana kulipira ndalama, ndipo ndili ndi vidiyo yosonyeza kuti inachitidwa. Chonde tsegulani mbendera yofufuza zachinyengo za SIU ndipo musapereke vuto lililonse."

2. Yambitsani ISO ClaimSearch / CLUE / IFB Database Cross-Check¶

• Akatswiri azachinyengo amalemba madandaulo angapo ofanana pama inshuwaransi osiyanasiyana.
• Wopereka inshuwaransi wanu akalowa mu Verisk ISO ClaimSearch database* (US), Équité Association (Canada), kapena Claims and Underwriting Exchange (CUE) (UK), makinawa amaonetsa ngati munthuyo adanenapo kuti adatsika ndikugwa kapena kuthyoka mano m'miyezi yaposachedwa.

3. Musalole Wonyenga Akukakamizeni Kuti Mulipire "Pansi pa Deductible Yanu"¶

• Pa muyezo Eni nyumba (HO-3), Opanga (HO-4), kapena Commercial General Liability (CGL) policy, magawo a **Liability Coverage (Coverage E) ndi Medical Payments (Coverage F) nthawi zambiri amakhala ndi $0 kuchotsedwa **. Kuteteza ngongole kumayambira pa dola yoyamba, ndipo inshuwaransi imalipira 100 peresenti ya woyimira milandu ndi ndalama za SIU.

Nambala zangozi zachigawo ndi njira zochitira malipoti zachinyengo za inshuwaransi¶

Ngati wobera wina akufuna kulanda ndalama pa katundu wanu kapena kuyika chigamulo chovulala mwachinyengo, nenani zomwe zachitika kwa aboma komanso kuofesi yazachinyengo ya inshuwaransi yanu:

• United States:
• Police & EMS Dispatch: Imbani 911 pomwe wodandaulayo ali pamalo anu kuti lipoti la chisamaliro cha odwala EMS (ePCR) ndi Lipoti la Zochitika za Apolisi amapangidwa nthawi yomweyo.
• Maufoni Azachinyengo a National Insurance: Nenani zachinyengo zolumidwa ndi agalu, kapena kulira ku National Insurance Crime Bureau (NICB) ku National Insurance Crime Bureau (NICB) ku 1-800-TEL-NICB (1-800-835-6422) kapena pa intaneti nicb.org, komanso Boma la State Department of Insurance Fraud Bureau.
• Canada:
• ** Apolisi & EMS Dispatch **: Imbani ** 911 ** kuti muwunike apolisi ndi azachipatala pamalopo.
• Lipoti la Upandu wa Inshuwalansi: Lumikizanani ndi Équité Association (omwe kale anali Insurance Bureau of Canada Investigative Services) tsatanetsatane pa 1-877-422-8477 kapena Crime Stoppers ku 1-800-222-8477.
• United Kingdom:
• ** Emergency & Police Dispatch **: Imbani ** 999 ** ngati wolanda akukana kusiya nyumba yanu, kukuwopsezani, kapena kunena kuti wakuvulazani kwambiri, kapena imbani ** 101 ** kuti mulembe lipoti loyesa kuchita zachinyengo ndikupeza ** Nambala Yotsimikizira Zaupandu **.
• Lipoti la Chinyengo cha Inshuwalansi ya Inshuwalansi (IFB): Nenani za kuvulala komwe kwachitika kapena "kuwonongeka kwa ndalama" mwachinsinsi ku IFB Cheatline ku 0800 422 0421 kapena kudzera insurancefraudbureau.org, ndi lipoti ku City of London Police Insurance Fraud Enforcement Department (IFED) kudzera Action Fraud (0300 123 2040).
• European Union:
• ** Kutumiza Kwadzidzidzi **: Imbani ** 112 ** kuti mufunse apolisi amtundu kapena dziko lonse ndi ambulansi kuti atsimikizire pamalopo, ndikupempha lipoti la apolisi (procès-verbal ku France/Belgium, Strafanzeige wegen Betrugs / Erpressung ku Germany, denuncia ku Spain / Italy) musanadziwitse inshuwaransi yanu yamilandu (assurance responsabilité civile / Privathaftpflichtversicherung).
• Australia ndi New Zealand:
• Kutumiza Kwadzidzidzi: Imbani 000 (Australia) kapena 111 (New Zealand) ngati mukuwopsezedwa kapena ngati wina wanena kuti wavulala pamalo anu, kapena imbani Police Assistance Line (131 444 ku AU / 105 mu NZ). Nenani zachinyengo ku Insurance Council of Australia (ICA) kapena Insurance Fraud Bureau of New Zealand (IFBNZ).

Mafunso omwe amafunsidwa pafupipafupi¶

Ngati wina anena kuti aiwala chovulala chonsecho ndikangowapatsa ndalama zokwana madola 200 pompano komanso ngakhale kudzipereka kuti ndisaine cholemba pamanja pa chopukutira, bwanji sindiyenera kutero?¶

Osapereka ndalama nthawi yomweyo, ngakhale munthuyo atafuna kusaina pepala lolemba pamanja. Choyamba, achifwamba omwe amachotsa bwino ndalama zokwana $200 kuchokera kwa eni nyumba kapena ogulitsa sitolo amabwereranso pakapita masiku angapo akunena kuti "zizindikiro zakuchedwa zamkati" kapena kutumiza omwe ali nawo kuti ayang'anenso adilesi yomweyo. Chachiwiri, makhothi nthawi zambiri amaletsa "kutulutsa zopukutira" mopupuluma, popanda kulangizidwa patangopita mphindi zochepa atavulazidwa chifukwa cha chiphunzitso cha zolakwika, kukakamizidwa, kapena kusazindikira. Chachitatu, kupereka ndalama kungathe kupotozedwa ndi loya wa wodzinenera wosakhulupirika monga kuvomereza kuti ali ndi mlandu ("N'chifukwa chiyani mwini nyumbayo akanapereka ndalama zokwana madola 200 ngati njira zawo sizinali zoopsa?"). Nthawi zonse limbikirani kuthana ndi chiwongola dzanja chilichonse chovulala pokhapokha kudzera muzolemba zachipatala za EMS komanso wonyamula inshuwaransi yanu.

Dikirani, kodi kuyimbira ambulansi (911/999/112) kwa wina yemwe akuvulaza kungathandize kuti apange njira yopangira mlandu?¶

Ayi, kuyimbira EMS nthawi yomweyo ndiyo njira imodzi yamphamvu kwambiri yowonongera zonena zabodza. Achinyengo ozembera-ndi-kugwa komanso oluma agalu amadalira Kufotokozera Kwakuchedwa kwa Mutu: kusiya katundu wanu mosafufuzidwa ndikupita kwa chiropractor kapena chipatala patatha masiku atatu komwe anganene chizindikiro chilichonse chomwe angafune. Pamene odziyimira pawokha azachipatala afika pamalopo mkati mwa mphindi za 8, amalemba zomwe apeza pazachipatala pa Lipoti lovomerezeka la Prehospital Care: kuthamanga kwa magazi ndi kugunda kwa mtima (kupanda kuyankha kowawa), kusowa kwa kutupa, kuvulala, kapena kutuluka magazi, zovala zowoneka bwino, manja oyera, komanso kuyenda kosiyanasiyana. Ngakhale zili bwino, 90 peresenti ya azachuma omwe amawononga ndalama amathawa pomwe akukumva mukupereka kufotokoza kwawo kwa 911 dispatcher.

Nanga bwanji ngati ndilibe kamera ya Ring kapena CCTV yoloza pomwe akuti idagwera?¶

Ngakhale kamera yanu itaphonya masikweya mita yeniyeni yakugwa, mudakali ndi zida zamphamvu zowunikira. Choyamba, nthawi yomweyo tengani zithunzi za foni yam'manja zomwe zili ndi nthawi yeniyeni kapena pansi zomwe zikuwonetsa kuti ndi youma, yosasunthika, yowala bwino, komanso yogwirizana ndi code, ndikujambula nsapato ndi manja a wofunayo. Chachiwiri, yang'anani zomvera za kamera yanu ndikuyandikira ma angle kuti mujambule momwe munthuyo adayendera ndikuchoka pamalo anu. Chachitatu, yendani kwa anansi anu kudutsa msewu ndipo zitseko ziwiri pansi mbali zonse ziwiri nthawi yomweyo: makamera awo a pakhomo kapena makamera a kamera nthawi zonse amajambula woyimitsa galimotoyo, akuyenda bwino asanayandikire nyumba yanu, ndikugwetsa zitseko zawo zabodza atangodutsa njira yanu.

Kodi ndingathe kugwira kapena kusunga munthu wachinyengo pakhonde langa mpaka apolisi atafika ngati ndikudziwa kuti akunama?¶

Ayi, musagwire, kumenya, kutsekera m'chipinda, kapena kutsekereza munthu kapena galimoto yake kuchoka pamalo anu. Kuyesa kutsekeredwa m'ndende chifukwa chofuna kuchita zachinyengo kumakupatsirani nkhanza zenizeni (olanda ambiri amanyamula zida zobisika kapena ali ndi mnzake akudikirira mgalimoto m'mphepete mwa msewu) komanso milandu kapena milandu yachiwembu kapena kutsekeredwa m'ndende zabodza. Sungani mtunda wa 2 mita (6.5-foot), bwererani kumbuyo kwa chitseko chanu chokhoma ngati achita zaukali, ndipo lembani kanema wa iwo akuyenda ndikulowa mgalimoto yawo kuti apolisi azikhala ndi nkhope zawo ndi laisensi.

Kodi malo odyera ang'onoang'ono kapena eni ake ogulitsa zakudya ayenera kuchita chiyani ngati kasitomala anena kuti adathyola dzino pamwala kapena galasi pakudya kwawo?¶

Khalani wodekha, waulemu, ndi wachifundo popanda kuvomereza cholakwika kapena kulipira ndalama. Nthawi yomweyo funsani kuti muyang'ane ndikusunga mbale yotsala ya chakudya ndi zomwe akuti zakunja kapena chidutswa cha dzino losweka ("Tiyenera kusindikiza ndi kusunga chinthucho ndi gawo lotsala la chakudya pakali pano kuti labotale yonyamula inshuwaransi iwunikenso ndikufufuza gulu la ogulitsa"). Tengani zithunzi zowoneka bwino kwambiri za chinthucho pafupi ndi ndalama ya sikelo. Dziperekeni kuyimbira opereka chithandizo ngati akutuluka magazi, lembani ID yawo ya boma ndi zolumikizirana nawo pa Fomu ya Lipoti la Zochitika, sungani zithunzi zonse za CCTV mchipinda chodyera kuyambira pomwe adakhala pansi, ndikuwawuza kuti inshuwaransi yanu ya Commercial General Liability ilumikizana nawo mwachindunji mkati mwa maola 24. Ochita chinyengo onyamula miyala ya m'thumba kapena mano akale ochotsedwa pafupifupi nthawi zonse amakana kupereka chidutswacho kapena kupereka ID yeniyeni.

Ndikayimbira foni kampani ya inshuwaransi ya eni nyumba kuti ndingonena kuti munthu wachinyengo anayesa kunamizira kugwa panjira yanga, kodi inshuwaransi yanga idzakwera?¶

Kupereka lipoti zomwe zachitika mosamalitsa ngati "Chidziwitso Chokha / Kutumiza Kwachinyengo kwa SIU" komwe ndalama ziro zimalipidwa (`$0 Loss Paid`) nthawi zambiri siziyambitsa chiwongola dzanja chambiri pamalamulo ambiri a eni nyumba, makamaka vidiyo yanu yosungidwa ikayimitsa mlandu wachinyengo $50,000 patatha milungu isanu ndi umodzi. Mwa kudziwitsa Unit Special Investigations Unit wa inshuwaransi wanu pa Tsiku 1 ndikupereka vidiyo yojambulidwa nthawi yomwe ikuwonetsa munthuyo sanavulale kapena adachita kugwa, mumakwaniritsa "Chidziwitso Chachangu" ndikutsekera gulu lachitetezo cha inshuwaransi yanu isanapeze loya.

Maupangiri ogwirizana¶

• Mlendo pakhomo, wogwiritsa ntchito, komanso chitetezo cholowera kunyumba
• Zachifundo, chithandizo chatsoka, ndi chinyengo cha nyumba ndi khomo pambuyo pa mkuntho
• Denga ndi driveway asphalt apaulendo miseche ndi chitetezo mantha akulu
• Kubera anthu, kuchita zachinyengo, komanso chinyengo chachinyengo chakuba
• Chikwatu cha manambala angozi

Magwero ndi malangizo ovomerezeka¶

• Bungwe la National Insurance Crime Crime Bureau (NICB): Chinyengo cha Mlandu wa Pamalo: Kuzindikiritsa mphete za Slip-ndi-Fall, Zonena Zazakudya Zakunja, ndi Mitundu Yolanda Mwini Nyumba.
• Coalition Against Insurance Fraud (CAIF): Mabizinesi Ang'onoang'ono ndi Omwe Ali Ndi Nyumba Yodzitetezera Kulimbana ndi Ngozi Zomwe Zachitika, Ma Runner Networks, ndi Ma Shakedown Omwe Amakhalapo mwa Mwayi.
• Bungwe la Insurance Fraud Bureau (IFB - United Kingdom) & City of London Police Insurance Enforcement Department (IFED): Slip-for-Cash and Staged Public/Premises Liability Investigation Standards.
• Inshuwaransi Office (Verisk ISO ClaimSearch): Protocols Special Investigations Unit (SIU) Protocols for Cross-Indexing Repeat Body Injury Claims and Preserving Digital CCTV Evidence.
• Centers for Disease Control and Prevention (CDC) & National Animal Care and Control Association (NACA): Compendium of Animal Rabies Prevention and Control - Domestic Dog Bite Observation Protocols and Forensic Bite Verification.