Ubuhendanyi bwo gufata ibintu vy’abantu bivuye ku gunyerera no kugwa, kumeneka iryinyo, no kunywa imbwa z’ibinyoma: Kuzigama amasanamu y’amasanamu no kwanka gutanga amahera¶

Kumenya umunyamahanga, umuntu atwara, canke umukiriya aryamye ku nzira yawe y’imbere, mu nzira y’imodoka, canke hasi mu bucuruzi buto buto afashe umugongo wabo wo hasi, afise igice c’iryinyo cavunitse imbere y’igihe iruhande y’ikintu co gutwara, canke yerekana igikomere gishasha c’ugutobora mu gihe avuga ko imbwa yawe yamurye ni kimwe mu bitera umubabaro mwinshi cane. Mu gihugu cose ca Amerika y’Uburaruko, Ubwongereza, Uburayi na Ostraliya, baratunganije amashirahamwe y’ubuhendanyi n’abanyaruyeri bafata akaryo ko gutera imbere, baragwa ku ngazi z’amazu no ku nzira z’ubudandaji, bagasuka amavuta yo guteka canke bagatera umuzabibu umwe mu mufuko wabo bwite igihe bemera ko ata kamera iriko iraraba, canke bagakanda umurongo w’ivyo bakeneye kugira ngo barwanye uruzitiro rwabo rwa kera $500 ku $5,000 cash canke mobile-payment payoff ("rero sintegerezwa kurega ubwishingizi bwawe ngo nkure inzu yawe"). Iyo umuntu avuze ko yakomeretse ku nzu yawe yo kubamwo canke y’ubudandaji, ntiwigere wishura n’idolari na rimwe ry’amahera, Venmo, Zelle, canke Cash App aho nyene, uce uhamagara uwo mu karere kawe inomero z'ivyihutirwa (911 muri Leta Zunze Ubumwe za Amerika na Canada, 999 mu Bwongereza, 112 mu Bumwe bw’Uburaya bwose, 000 muri Ostraliya) rero abaganga bakora isuzuma ry’ubuvuzi ritagira aho rigarukira kandi abapolisi bagandika akaranga k’uwusaba, bakamurungika hanze kandi bakamubika mu gicu mu bubiko bwawe buhoraho 24/7 doorbell erategeta over the CCTV ryo, maze usubiremwo ivyacu . umukozi wo muhira n'uburongozi bwo kwikingira ubusuma bwo ku muryango ku muryango, ivyacu umunyamahanga ku muryango n'uwigana umurongozi wo kwikingira, n'ivyacu ubusuma n'ugutera ubwoba ubuyobozi bwo kwiregura.

Dukurikije ibivugwa n’ishirahamwe ryitwa Coalition Against Insurance Fraud (CAIF), Ibiro vy’Igihugu Bijejwe Ubugizi bwa nabi mu vy’Ubwishingizi (NICB), n’Ibiro vy’Ubwishingizi (IFB) vyo mu Bwongereza, ivy’ugusaba amazu n’abacuruzi batobato amamiliyaridi y’amadolari ku mwaka kandi bikurikira ibitabu bibiri bitandukanye vy’ubugizi bwa nabi. Mu gitabu Immediate Cash-Shakedown Playbook, uwo mubeshi atera umunyarugo mukuru, nyen’inzu, canke umunyaduka yigenga, akabesha umuntu afise ubukazi ku rugi rwumye canke akavuga ko afise imbwa itagenzuwe, maze agahatira nyen’inzu afise ubwoba ngo amuhe amahera ako kanya kugira ngo yirinde. Mu Igitabo c'Ikirego ca "Runner-and-Mill", impeta ihuriweko irategura ukugwa gutoyi, ikanka imodoka itwara abarwayi aho hantu, irindira imisi 25 gushika ku 35 gushika impeta, Nest, canke kamera y'umutekano ya NVR ya nyen'umutungo ihita ihindura amasanamu y'amasanamu, maze $100,000 ikirego c’imitsi yoroshe gishigikiwe n’ikigo c’ubuvuzi gifise ibiturire. Gukurikiza uburyo bukomeye bwo kuzigama ivy’ubuhinga bwa none be n’uburyo bwo gufasha mu bihe vy’ivyago bica bikuraho ivyo bitero vyose bibiri ubwo nyene.

Ivyo ubikore ubu¶

1. Wanke igisabwa cose co kwishura amahera aho hantu, gurungika amahera muri banki, canke kwemera ikosa mu nyandiko. Nimba uwusaba $300 ku bijanye n’ukwitaho vyihutirwa, $800 kubera ikamba ry’amenyo ryasadutse, canke . $1,500 kugira ngo "wibagire vyose vyabaye," kwishura idolari rimwe ry'amahera canke gutanga amahera biciye ku buhinga bwa none (Zelle, Venmo, Cash App, PayPal) ntiyigera arangiza ikirego. Mu mategeko agenga uburenganzira bw’abanyagihugu mu butegetsi bwose, gutanga amahera mu buryo butamenyekanye ata n’itegeko ry’ugusezerana ntibibuza uwo mubeshi kugaruka mu ndwi ikurikira ari kumwe n’umuvugizi w’ivy’ugukomeretsa umuntu, kandi abahendanyi babona ko gutanga amahera ubwo nyene ari ikimenyamenya c’uko uri ikimenyetso coroshe co gusubiramwo ubusuma.
2. Hamagara 911 / 999 / 112 / 000 ubwo nyene kugira ngo urungike abajejwe ubuvuzi bw'ibihe vyihutirwa (EMS) n'umupolisi yambaye imyambaro y'igisirikare aho hantu. Bwira uwusaba uburenganzira mu gutuza: "Kubera ko utanga raporo y'uko wakomeretse ku mutungo wanje, ndiko ndahamagara umuganga w'abagwayi igitabu c'ubuvuzi gitegekanijwe." Umuntu nyakuri yakoze impanuka afise igikomere gikomeye, arakira neza ko avurwa; a staged slip-and-fall canke fake dog-bite scammer hafi y’igihe cose arahagarika umutima iyo yumvise ambulance n’igipolisi kiri mu nzira, kubera ko abaganga basuzuma ibimenyetso vy’ubuvuzi (umutima, umuvuduko w’amaraso, inyishu y’abanyeshure, urukoba rwo gutera, n’uko igikomere ari gishasha canke amasaha 48.
3. Gukuraho, urungike hanze, kandi ushire mu bubiko ubudasiba amasanamu y’ivyo ukoresha mu minota 30 ya mbere (harimwo iminota 30 imbere n’iminota 30 inyuma y’ivyo bintu). Ntubone gusa iyo clip iri imbere muri kamera yawe Ring, Arlo, Google Nest, Blink, Wyze, canke porogarama y’ubudandaji ya NVR. Amakamera y’inkengeri y’umuryango yo mu gicu arafuta amasanamu ubwayo inyuma y’imisi 30 gushika kuri 60, kandi amasanamu y’amasanamu y’ivyuma (DVR/NVR) kwandika amasanamu mu masaha makeyi nk’amasaha 72 gushika ku misi 14. Gukuraho imvukira mbisi .MP4 amadosiye y’amasanamu ahita ashirwa kuri telefone yawe no kuri mudasobwa yawe, ushire kopi ku bikoresho bibiri bitandukanye vyo mu gicu (Google Drive, iCloud, OneDrive), hanyuma urungike kopi yawe kuri email kugira ngo ikidodo c'igihe kitahinduka kiremwe.
4. Fotora hasi nyayo, inzira y’amaguru, inkweto, n’ivyo bivugwa ko vyakomeretse imbere y’uko ikintu cose gisukurwa, kijanwa, canke gihindurwa. Imbere yo guhanagura ikintu camenetse canke kwimura igitambaro co ku muryango, koresha telefone yawe y’amaboko kugira ngo ufate amafoto y’agaciro kanini n’amasanamu y’urugendo y’amasanamu 4K yerekana:
5. Ivyiyumviro vy’ukuri vy’aho hantu (garagaza ko intambwe za beton zari zumye, zifise umunyu, zikayangana neza, kandi zitagira inenge, canke werekane ko ikidengeri c’amazi gifise inzira idasanzwe ijana ata guca ku ruhande mu cupa riri mu gafuko k’uwusaba ubwiwe).
6. Inkweto z’uwusaba (fotora nimba bambaye inkweto ziteye igomwe zishaje, inkweto zigenda zihinduka mu rushana, canke inkweto zirengeye).
7. Igikomere canke ikintu c’amahanga kivugwa (niba bavuga ko barwaye imbwa, bafotore nimba hariho igitambaro cacitse ku mpuzu canke amaraso mashasha; niba bavuga ko hari iryinyo canke ikirahuri cavunitse mu vyo barya, basabe bafotore ico gice maze babike ico kintu c’umubiri kugira ngo gisuzumwe muri laboratwari).
8. Niba bavuga ko imbwa yarumye canke ko igikoko cagukubita, ushire imbwa yawe mu nzu ubwo nyene maze ufate amafoto y’uruzitiro rwawe, amarembo, n’amenyo n’amaguru y’imbwa. Ntukigere wemera ko uwuvuga canke uwuriko arabona ari umunyarugomo ashavura igikoko cawe canke ngo asabe ko ico gikoko kijanwa aho nyene. Funga imbwa yawe neza mu cumba co mu nzu, ufate video ifise ikidodo c’igihe yerekana ko imbwa yawe yari inyuma y’irembo ryugarijwe canke mu nzu igihe yariko irasaba, urondere aho Icemezo c’incanco y’indwara y’ibicurane ifise ubu, hanyuma urindire abajejwe kugenzura ibikoko canke abapolisi bazwi.
9. Menyesha nyen'inzu yawe, uwukodesha, canke igisata kidasanzwe c'ubwishingizi (CGL) c'ubwishingizi bw'uburenganzira rusangi (CGL) mu masaha 24. Hamagara umurongo w'ibirego w'ubwishingizi bwawe maze uvuge mu buryo butomoye uti: "Ndiko ndatanga raporo y'ibintu bikekwa ko vyabaye / ikirego c'ubuhendanyi ku bijanye n'itohoza ry'ubuvuzi gusa Unit (SIU); Nazigamye amasanamu n'amafoto vy'igihe." Itegeko ryawe ry'ubwishingizi ririmwo ingingo "Igikorwa co Kuburanira", bisobanura ko uwukwishingira ategerezwa kwishura abavoka bakuburanira n'abatohoza ivy'ubuhendanyi ku giciro c'amategeko kitari mu mufuko kuri wewe.

Igiti c'ingingo: Gukomeretsa umutungo n'imbwa zirumwe n'ugufata ku nguvu¶

Koresha iyi nzira y’ibikorwa igihe umushitsi wese, umuhinguzi, umukozi wo gutwara ibintu, canke umukiriya avuga ko yakomeretse ku butaka bwawe.

flowchart TD
    Start["Umuntu ari ku mutungo wawe avuga ko yakomeretse: gunyerera no kugwa, iryinyo ryavunitse, CANKE imbwa irumwa"] --> SafetyCheck["1. SECURE SCENE & WANKE AMAFARANGA: - Gumana urugendo rwa metero 2 (6.5 feet) - NTUKIGEZE wishyura amahera, Venmo, canke Zelle - NTUKIGEZE ushirako umukono ku mpapuro iyo ari yo yose canke wemere ikosa"]

    SafetyCheck --> Call911["2. HAMAGARE 911 / 999 / 112 UBWO nyene: - Usabe Abaganga (EMS) n'Abapolisi - Vuga n'ijwi rirenga uti: 'Ambulance n'umupolisi bari mu nzira kugira ngo bagusuzume'."]

    Call911 --> ScammerReaction{"3. Uwusaba afata gute iyo EMS na Polisi zirungitswe?"}

    ScammerReaction -->|"Yahunze Aho yabaye / Yanse Kurindira Polisi"| FleeProtocol["ABAKEKWA AHUNGA KU BIGERE CANKE MU MODOKA: 1. NTUBAKURUKE canke ngo ubabuze ku mubiri 2. Fata video yabo bagenda/bagenda nk’uko bisanzwe + ibara ry’imodoka 3. Ha abapolisi iyo video kugira ngo bashiremwo raporo y’Ivyabaye Bikekwa / Kugerageza Gusaba Ibintu"]

    ScammerReaction -->|"Aguma aho hantu / Asaba amahera canke atera ubwoba ko azoburanishwa"| StayProtocol["4. GUKORA UBUZIMA BW’IBIMENYETSO KU BIBAZO: - Fotora neza neza inzira y’amaguru/hasi (yumye/itose), urumuri, n’inkweto z’uwusaba - Niba Imbwa yarumye: Funga imbwa imbere, filme uruzitiro/umugozi udakomeretse, gukuraho Icemezo c’Indwara ya Rabies ikintu/igice c'iryinyo kiri mu musaho usukuye"]

    FleeProtocol --> ArchiveVideo["5. SOHORA HANZE NO GUFUNGA VIDEO ZOSE ZO CCTV / DOORBELL UBWO nyene: - Gukuraho amasanamu y'ururimi rwa .MP4 kuva ku minota 30 IMBERE gushika ku minota 30 INYUMA y'ivyo bibaye - Bika ku bikoresho 2 bitandukanye vy'igicu + USB flash drive imbere y'uko wandika imisi 7-kugeza kuri 30"]
    StayProtocol --> ArchiveVideo

    ArchiveVideo --> NotifySIU["6. RAPORO KU MUGAMBI W'ITOHOZA RIDASANZWE RW'ABABISHINGIJE (SIU): - Uronke Ivyabaye vya Polisi # n'Impapuro za EMS Run Sheet # - Dosiye 'Itangazo Gusa / Ikirego Gikekwa ko Gitegekanijwe' na Nyir'inzu canke Ubwishingizi bwa CGL SIU - Ubwishingizi butera ISO ClaimSearch cross-"]

Anatomy y'ibikomere 4 bikunze gukoreshwa mu gukomeretsa umutungo¶

Abahendanyi b’uburenganzira bw’abantu bizigira ugutangara, ukwicira urubanza, n’ubwoba bw’uko nyen’umutungo yokwongerwa amahera y’ubwishingizi canke akaburanishwa. Kumenya ubuhinga bwo gukora ubuhendanyi bumwebumwe bituma ubona ubuhendanyi mu masegonda makeyi:

Ivyigwa vy'amashusho: Gunyerera vy'ukuri n'ugumanuka kw'inzira ku CCTV¶

Igihe usubiyemwo amasanamu y’ivyo ufata ku kamera canke y’inkengeri y’umuryango uri kumwe n’abapolisi be n’Ishirahamwe ry’Itohoza Ridasanzwe ry’ishirahamwe ryawe ry’ubwishingizi (SIU), rondera ibi bimenyetso bitanu vy’ubuhinga bw’ibinyabuzima bitandukanya ukunyerera vy’ukuri kw’impanuka n’ugugwa kw’inzira:

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

Intambwe ku yindi amategeko yo kuzigama no gufunga ibimenyamenya vyawe vya videwo¶

Ikosa rimwe gusa rinini ba nyen’amazu bakora inyuma y’ikintu giteye amakenga ni ukwiyumvira ko kubera ko baravye iyo videwo kuri porogarama yabo ya telefone, iyo videwo ibitswe neza. Kurikiza uru rutonde rw'intambwe 4 rwo kuzigama ubwo nyene:

1. Gusohora hanze ivy'imvukira mbisi .MP4 Dosiye (Ntukigere wizigira gufata amajwi yo ku rubuga gusa)¶

• Gufungura porogaramu yawe y'amasanamu (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, canke Lorex) maze ukoreshe buto Gukuraho / Gusohora igice c'umwimerere kugira ngo dosiye ibike n'uburebure bwayo bw'umwimerere, igipimo c'amafoto, n'amakuru y'umwimerere.
• Niba sisitemu yawe ikoresha NVR / DVR box yo mu karere ifatanye n’ikigaragaza, shiramwo USB flash drive ifise ubuhinga mu nzira ya USB y’imbere ya NVR, uhitemwo Backup / Export, uhitemwo vyose Umugezi Mukuru (Isobanuro Rikomeye) na Umukinyi yubatswemwo / .MP4 format, maze urungike hanze idirisha rikomeza ritangura iminota 30 imbere y’uko uwo muntu ashika biciye mu iminota 30 inyuma y’aho bavuye.

2. Gufata amafoto y’imbere y’ivyo bibazo n’inyuma y’ivyo bibaye (Harimwo n’ivyo ababanyi bafata)¶

• Umunyaruyeri w’umunyaruyeri akunda guhagarika imodoka yiwe yo guhunga inzu zibiri canke zitatu ziri mu nzira kugira ngo kamera yawe y’inkengeri y’umuryango ntishobore gusoma ibara ry’imodoka yabo, akaremba cane igihe ari imbere y’inzu yawe, hanyuma akagenda yiruka canke akagenda nk’uko bisanzwe iyo amaze guca ku ruzitiro rwawe.
• Genda ku babanyi bawe bo hafi ku mpande zompi no hakurya y’ibarabara uwo musi nyene. Basabe basuzume kandi bakure amasanamu y’inkengeri y’umuryango wabo n’ay’ibarabara ry’imodoka muri iryo dirisha ry’iminota 30. Igishushanyo c'umubanyi kigaragaza uwo muntu "amugaye" ariko ariruka aja mu modoka y'ubwoko bwa SUV ihagaze ku metero 50 (amafuti 164) ni ikimenyetso c'ugukuraho urubanza.

3. Gushira mu ngiro 3-2-1 Itegeko ry'ububisha¶

• Bika kopi 3 za dosiye yose ya videwo n’ifoto mu bikoresho 2 bitandukanye vyo kubika (hard drive ya mudasobwa yawe hamwe n’iyindi USB yo hanze) n’kopi 1 ibitswe hanze y’aho uri mu gicu (Google Drive, iCloud Drive, Dropbox, canke OneDrive).
• Ubwo nyene wohereze kopi y’amadosiye ya videwo (canke uruja n’uruza rw’igicu rwo gusangira) kuri aderesi yawe ya email no kuri aderesi y’uwo mwubakanye canke uwo mukorana mu bucuruzi ubwo nyene. Umutwe wa server ya imeyili utanga ikidodo c’igihe c’ubuhinga bwa none RFC 5322 kigaragaza ko iyo videwo yariho muri iyo nzira nyayo kw’itariki y’ivyo bintu vyabayeko.

4. Kuzigama ibimenyamenya vy’umubiri¶

• Iyo uwo mubeshi yateye ikintu c’amahanga (icupa rikoreshwa mu gusuka amazi, iryinyo ry’ikinyoma canke ikirahuri mu vyo kurya), ushire ico kintu mu gafuko gapfutse, harimwo itariki n’isaha, hanyuma ubike kugira ngo abapolisi canke laboratwari y’ubwishingizi bwawe.

Amabwirizwa yihariye yo kwiregura ku vyerekeye ibinyoma canke birenze urugero vy'imbwa¶

Abafise imbwa ni bo ba mbere abasuma bafata amahera kubera ko ba nyen’imbwa batinya ko Animal Control yofata imbwa zabo. Ikingire wewe n’imbwa yawe ukoresheje izi ntambwe:

1. Sobanukirwa ingene quarantaine yemewe yo gucungera ibikoko ikora mu vy'ukuri:
2. Abahendanyi barakunda kubesha bakavuga ko Animal Control izokwica imbwa yawe uno musi kiretse wishyuye $1,000 amafaranga.
3. Ivyo ni ibinyoma. Muri Amerika, Canada, Ubwongereza na Australiya, igikoko co mu nzu caciwe incanco kigirizwa ko carumye gatoyi ntikicwa mu ncamake. Amategeko y’ubuzima mu bisanzwe asaba Igihe c’iminsi 10 co kwihweza indwara y’ibicurane, ivyo ku gikoko c’inzuki caciwe incanco hafi y’igihe cose ni Ikibanza co mu nzu imbere mu nzu yawe umaze kugenzura Icemezo c’indwara y’ibicurane.
4. Fotora inzitizi, umugozi, n'aho bivugwa ko vyarumye ubwo nyene:
5. Fata videwo ikomeza yerekana ko irembo ryari ryugarijwe, uruzitiro nta n’ibihengeri rwari rufise, kandi ko hariho ibimenyetso vyose vy’imburi vyashizweko.
6. Fota aho umuntu avuga ko yakomeretse ari ku metero 1 (amafuti 3,3). Iyo imbwa irumye mu mpuzu canke mu maboko akomeye cane ku buryo ishobora guca urukoba, amenyo y’imbwa asiga imyobo yo gutobora canke amacandwe ku mpuzu. Impuzu idakomeretse hejuru y’igikomere cari gifise ibisebe vyerekana ko ico gikomere cabaye ahandi hantu.
7. Pima kandi wandike ivy'amenyo y'imbwa yawe:
8. Reka umuganga wawe w’ibikoko yandike uburemere bw’imbwa yawe, uko yaciwe, n’ubwaguke hagati y’imbwa (urugendo ruri hagati y’amenyo y’imbwa mu milimetero). Abatohoji barakunda guhakana ivyo binyoma bivugwa ko umuntu yarumye imbwa mu kwerekana yuko ikimenyetso kiri ku kuboko kw’uwuyivuga kidahuye n’ubwaguke bw’urwaya rw’iyo mbwa.

Uko Ishirahamwe ry’Itohoza Ridasanzwe (SIU) ry’ishirahamwe ryawe ry’ubwishingizi ritsinda ibirego vy’ubuhendanyi¶

Ehe ingene womenyesha neza ikintu cabaye kugira ngo umuhinga mu vy’ubwishingizi akurwanire ataco urishe uwo mubeshi:

1. Gusaba "Amakuru-gusa / Gukekwa ko ari ubuhendanyi bwoherezwa kuri SIU".¶

• Ishirahamwe ryose ry’ubwishingizi rikomeye rifise Igisata kidasanzwe c’itohoza (SIU) gikoreshwa n’abahoze ari abapolisi n’abahinga mu vy’amategeko.
• Muvuge neza: "Ndiko ndatanga raporo y'ibintu bikekwa ko vyakomeretse / vyageragejwe kunyaga ku mutungo wanje, nanse kwishura amahera, kandi mfise amasanamu yerekana ko vyakozwe. Ndasavye ngo mufungure ibendera ry'itohoza ry'ubuhendanyi rya SIU kandi ntimushireho inyishu iyo ari yo yose yo gutera ingorane."

2. Gutera ISO ClaimSearch / CLUE / IFB Ububiko bw'amakuru¶

• Abahendanyi b’umwuga baratanga ibirego vyinshi bisa mu bigo bitandukanye vy’ubwishingizi.
• Iyo umuhinga mu vy’ubwishingizi bwawe yanditse amakuru y’uwusaba mu urutonde rw’amakuru rwa Verisk ISO ClaimSearch (Amerika), Ishirahamwe ry’Équité (Canada), canke Ishirahamwe ry’Ibirego n’Ivy’Ubwishingizi (CUE) (Ubwongereza), iyo sisitemu igaragaza nimba uwo muntu yari yarasavye imbere y’igihe mu kwezi kwa mbere canke ko yacitse intege.

3. Ntukigere ureka ngo umubeshi akuhatire kwishura "Munsi y'ivyo ushobora gukurako".¶

• Ku rugero Ba nyen'inzu (HO-3), Abakodesha (HO-4), canke Uburenganzira rusangi bw’ubudandaji (CGL) politike, ibice vy’Ukwishingira Uburenganzira (Ukwishingira E) n’Ivyishyurwa vy’Ubuvuzi (Ukwishingira F) muri rusangi bifise $0 gukurwako. Ukwiregura gutangura ku dolari ya mbere, kandi uwujejwe ubwishingizi ariha 100 kw’ijana vy’amahera y’uwuburanira n’ayo SIU atanga.

Inomero z'ivyihutirwa zo mu karere n'imirongo yo gutanga raporo y'ubuhendanyi bw'ubwishingizi¶

Iyo umubeshi agerageje kunyaga amahera ku mutungo wawe canke agatanga ikirego c’ubuhendanyi c’ugukomeretswa, numenyeshe abajejwe gukurikiza amategeko bo mu karere kawe be n’ibiro vyawe vy’ubuhendanyi vy’ubwishingizi:

• Leta Zunze Ubumwe za Amerika:
• Igipolisi & EMS Dispatch: Hamagara 911 igihe uwusaba ari ku butaka bwawe rero raporo y'ukwitaho abarwayi ya EMS ifise intumbero (ePCR) na Raporo y’Ivyabaye vya Polisi bica biremwa ubwo nyene.
• Imirongo y’ubuhendanyi bw’ubwishingizi bw’igihugu: Raporo y’ibikekwa ko hariho ubusuma bwo gunyerera no kugwa, ubuhendanyi bwo kurya imbwa, canke impeta z’abarutsi ku Ibiro vy’igihugu vy’ubwishingizi bw’ubugizi bwa nabi (NICB) kuri 1-800-TEL-NICB (1-800-835-6422) canke kuri internet kuri nicb.org, hamwe n’Ibiro vyanyu vy’Igihugu vy’Ubuhendanyi bw’Ubwishingizi.
• Kanada:
• Igipolisi & EMS Dispatch: Hamagara 911 kugira ngo abapolisi n'abaganga basuzume aho hantu.
• Gutanga raporo y’ubugizi bwa nabi mu vy’ubwishingizi: Baza Ishirahamwe ry’ubwishingizi ryitwa Équité Association (ryari ryitwa Ibiro vy’Itohoza ry’Ubwishingizi ryo muri Canada) tip line kuri 1-877-422-8477 canke Abahagarika Ubugizi bwa nabi kuri 1-800-222-8477.
• Ubwami bw'Ubwongereza:
• Emergency & Police Dispatch: Hamagara 999 iyo umusuma yanse kuva mu nzu yawe, akagutera ubwoba, canke akavuga ko yakomeretse cane, canke hamagara 101 kugira ngo wandike raporo y’ubuhendanyi butagiramwo ivyihutirwa maze uronke Inomero y’Ivyaha.
• Ibiro vy'ubuhendanyi vy'ubwishingizi (IFB) Cheatline: Raporo y'ibikomere vy'umuntu canke "uguhungabana/gutera amahera" mu ibanga kuri IFB Cheatline kuri 0800 422 0421 canke biciye kuri insurancefraudbureau.org, kandi ushire raporo ku Igisata ca polisi co mu gisagara ca Londres kijejwe gukurikiza amategeko agenga ubuhendanyi bw’ubwishingizi (IFED) biciye ku Ubuhendanyi bw’ibikorwa (0300 123 2040).
• Ubumwe bw'Uburayi:
• Emergency Dispatch: Hamagara 112 kugira usabe ko abapolisi ba komine canke b’igihugu n’aba ambulance bagenzura aho hantu, kandi usabe raporo ya polisi (procès-verbal mu Bufaransa/Ububirigi, Strafanzeige wegen Betrugs / Erpressung mu Budagi, denuncia muri Esupanye/Ubutaliyano) imbere y’uko umenyesha umuhinga mu vy’ubwishingizi bwawe (assurance responsabilité civile / Privathaftpflichtversicherung).
• Ostraliya na Nouvelle-Zélande:
• Ivyo gutumako mu gihe c’ivyihutirwa: Hamagara 000 (Ostraliya) canke 111 (Nouvelle-Zélande) iyo uteye ubwoba canke iyo umuntu avuze ko yakomeretse mu kibanza cawe, canke hamagara Umurongo w’Ifashanyo wa Polisi (131 444 muri AU / 105 muri NZ). Raporo y’ibirego vy’ubuhendanyi Inama y’Ubwishingizi ya Australiya (ICA) canke Ibiro vy’Ubwishingizi vy’Ubwishingizi vya Nouvelle-Zélande (IFBNZ).

Ibibazo bikunda kubazwa¶

Iyo umuntu avuze ko bazokwibagirwa igikomere cose iyo mbahaye gusa amadolari 200 y’amahera ubu nyene, mbere akampa n’ugushira umukono ku rwandiko rwanditswe n’ukuboko ku gipfukisho, kuki ntazobikora?¶

Ntukigere uriha amahera aho nyene, naho uwo muntu yokwipfuza gushirako umukono ku mpapuro zanditswe n’ukuboko. Ica mbere, abahendanyi bashobora gukura amadolari 200 y’amahera kuri nyen’inzu canke ku mucuruzi, baragaruka haciye imisi bavuga ko “ibimenyetso vy’imbere mu mubiri vyatevye” canke bagatuma abo bari kumwe na bo ngo basubire gutera iyo aderesi nyene. Ubwa kabiri, inkiko zikunda gukuraho ubusa amajambo yanditswe n’ukuboko yihuta, ata mpanuro, yashizweko umukono iminota mikeyi inyuma y’aho umuntu avugwa ko yakomeretse, hakurikijwe inyigisho z’uko umuntu yakoze amakosa, y’uguhatirwa canke y’ukutagira umutimanama. Ica gatatu, gutanga amahera birashobora kugoranywa n’umuvugizi w’uwusaba ko ataco akora nk’ukwemera ko afise icaha ("Kubera iki nyen’inzu yotanga amahera y’amadolari 200 iyo intambwe zabo zitazoba ziteye akaga?"). Imisi yose ushimike ku gufata ikirego cose c’ugukomeretswa biciye ku nyandiko z’ubuvuzi zizwi na EMS be n’uwuguha ubwishingizi bw’uburenganzira.

Rindira, guhamagara ambulance (911/999/112) ku muntu ariko arigira nk’uwakomeretse ntibizomufasha gusa kwubaka inzira y’impapuro yo gutanga ikirego?¶

Oya, guhamagara EMS ubwo nyene mu vy’ukuri ni uburyo bumwe rudende bukomeye bwo gusenyura ikirego c’ikinyoma c’ugukomeretswa. Abahendanyi b’abanyaruyeri b’abanyaruyeri n’abanyaruyeri b’imbwa bizigira Subjective Delayed Reporting: gusiga umutungo wawe utasuzumwe no gusura umuganga w’umubiri canke ivuriro ry’abanyagitugu haciye imisi itatu aho bashobora kwivugira ikimenyetso cose bashaka. Iyo abaganga bigenga bo mu gisagara bashitse aho hantu mu minota 8, bandika ivyavuye mu buvuzi vy’intango ku raporo y’ubuvuzi bw’imbere y’ibitaro: umuvuduko w’amaraso n’umuvuduko w’amaraso bisanzwe (ukutagira inyishu y’ububabare bukomeye), ukutagira ukuvyimba, ibikomere, canke ukuva amaraso, impuzu zidakomeretse, ibiganza vyuzuye, n’ibiganza vyuzuye. N’ikiruta ivyo, 90 kw’ijana vy’abahendanyi b’amahera barahunga igihe bumva utanga insobanuro y’umubiri wabo ku muntu arungika 911.

None iyo ntagira Ring camera canke CCTV yerekana aho nyaho bavuga ko baguye?¶

Naho kamera yawe bwite yoba yabuze metero kare nyayo y’aho yaguye, uracari n’ibikoresho bikomeye vyo gutohoza ivy’amategeko. Ubwa mbere, uce ufata amafoto y’inzira nyayo canke hasi yerekana ko yumutse, ko ataco ikoze, ko imuritswe neza kandi ko yubahiriza amategeko, hanyuma ufate amafoto y’inkweto n’ibiganza vy’uwusaba. Ubwa kabiri, nusuzume amajwi y’ivyo ukoresha mu gufata amasanamu yawe be n’ingene uwo muntu yinjira no kuva mu nzu yawe. Ica gatatu, genda ugende ku babanyi bawe hakurya y’ibarabara n’inzugi zibiri zimanuke ku mpande zompi ubwo nyene: inkengeri yabo y’umuryango canke ama kamera yo mu modoka azofata hafi igihe cose uwusaba ahagaritse imodoka yiwe, agenda nk’uko bisanzwe imbere y’uko yegera inzu yawe, kandi akarekura ikimuga ciwe c’ikinyoma igihe nyene azoca mu nzira yawe.

Noshobora gufata canke guhagarika umubeshi ku mubiri ku ibaraza ryanje gushika abapolisi bashitse nimba nzi ko babesha?¶

Oya, ntukigere ufata umuntu canke imodoka yiwe ngo ntave mu nzu yawe, ngo umufate, ngo umufunge mu cumba canke ngo umubuze. Kugerageza gufunga umuntu ku mubiri kubera ikirego co kugerageza gukora ubusuma bigutera ubukazi nyakuri bwo ku mubiri (abanyaruyeri benshi bafise ibirwanisho vyihishije canke bafise uwo bari kumwe arindiriye mu modoka ku nzira) hamwe n’ibirego vy’ubugizi bwa nabi canke vy’abanyagihugu vy’ugutera canke gufungwa ibinyoma. Gumana urugendo rw’amametero 2 (amafuti 6,5) rwiza, usubire inyuma inyuma y’umuryango wawe wugarijwe iyo baciye bagira ubukazi, hanyuma ufate amasanamu yabo bariko baragenda bakinjira mu modoka yabo kugira ngo abapolisi bagire mu maso habo n’ibara ry’uruhusha rwabo.

None nyen’iresitora ntoyi canke iduka ry’ibifungurwa yokora iki iyo umukiriya avuze ko yavunitse iryinyo ku rutare canke ku gipande c’ikiyo mu gihe bariko barafungura?¶

Guma utuje, ugira indero, kandi ugira impuhwe utemeye ikosa canke ngo wishyure amafranga. Ubwo nyene usabe gusuzuma no kugumya isahani y’ibifungurwa yasigaye n’ikintu kivugwa ko ari ica hanze canke igice c’iryinyo cavunitse ("Tubwirizwa gukingira no kuzigama ico kintu n’igice c’ifunguro gisigaye ubu nyene kugira ngo laboratwari y’ubwishingizi bwacu ishobore kubisuzuma no gukurikirana umugwi w’ababitanga"). Fata amafoto y’ico kintu kiri iruhande y’igiceri kugira ngo ubone urugero. Ushobora guhamagara abaganga iyo bariko barava amaraso, wandike indangamuntu yabo ya leta n’amakuru yabo ku rupapuro rwo gutanga raporo y’ivyabaye, uzigame amasanamu yose yo mu cumba co kuriramwo kuva aho bicaye, kandi ubabwire ko umuhinga mu vy’ubwishingizi bw’ubudandaji azobamenyesha mu masaha 24. Abahendanyi bitwaje amabuye y’agaciro yo mu mufuko canke amenyo ya kera yakuwemwo hafi imisi yose baranka gutanga ico gice canke gutanga indangamuntu nyayo.

Iyo mpamagara ishirahamwe ry’ubwishingizi rya nyen’inzu kugira ngo nmenyeshe gusa ko hari umuhendanyi yagerageje kwihenda ko naguye mu nzira y’imodoka yanje, mbega amafaranga y’ubwishingizi bwanje yoba azoduga?¶

Gutanga raporo y'ivyabaye ataco bihinduye nk'"Itangazo-Gusa / Gukekwa Ubuhendanyi Kwoherezwa kuri SIU" aho amadolari zero yishurwa (`$0 Loss Paid`) muri rusangi ntivyura amahera y’inyongezo y’ikirego ku mategeko menshi y’abafise inzu, cane cane igihe videwo yawe yazigamye ihagarika ikirego c’ubuhendanyi c’amadolari 50.000 haciye indwi zitandatu. Mu kumenyesha Igisata c'Itohoza Ridasanzwe c'ubwishingizi bwawe ku musi wa 1 no gutanga videwo yerekana ko uwo muntu ataco yakomeretse canke ko ari we yaguye, ushitsa ivyangombwa vy'itegeko ryawe ry'"Itangazo ry'Ubwishingizi" mu gihe ufunga mu mugwi w'ababuranira ubwishingizi bwawe imbere y'uko uwo mubeshi ashobora gukoresha umuvoka.

Inyobora zifitaniye isano¶

• Umunyamahanga ku muryango, uwigana, n'ukwikingira igitero co mu nzu
• Ubugiraneza, gufasha abashikiwe n’ivyago, n’ubuhendanyi bw’abakozi bo ku nzu ku nzu inyuma y’ibihuhusi
• Gusakara n'umuhanda w'imodoka asphalte ubuhendanyi bw'abagenzi n'ugutera ubwoba abakurambere
• Gufata ku nguvu, gutera ubwoba, no gushikura abantu ku mbuga ngurukanabumenyi
• Ububiko bw'inomero z'ivyihutirwa

Amasoko n'ubuyobozi buzwi¶

• Ibiro vy’Igihugu vy’Ubwishingizi bw’Ivyaha (NICB): Ubuhendanyi bwo Gukingira Amazu: Kumenya Impeto z’Ugusenyuka no Gugwa, Ivyifuzo vy’Ivyokurya vy’Ibintu vy’Amahanga, n’Ubwoko bw’Ugufata Amafaranga y’Inzu.
• Ishirahamwe ry'Ukurwanya Ubuhendanyi bw'Ubwishingizi (CAIF): Igitabo c'Ubucuruzi Buto n'Ivy'Ubwishingizi bwo Kwikingira Impanuka Zitera, Ivy'Imirongo y'Abarutsi, n'Ivyiyumviro vy'Ubwishingizi.
• Ibiro vy’ubuhendanyi bw’ubwishingizi (IFB - Ubwongereza) & Igisata c’ubuhendanyi bw’ubwishingizi bwa polisi y’igisagara ca Londres (IFED): Ivyagezwe vy’itohoza ry’ibirego vy’ubwishingizi vy’amahera n’ivy’uburenganzira bw’abantu.
• Ibiro vy’ubwishingizi (Verisk ISO ClaimSearch): Ishirahamwe ry’itohoza ridasanzwe (SIU) ry’amasezerano y’ugushiramwo urutonde rw’abasaba gusubiramwo ibikomere vyo ku mubiri no kuzigama ibimenyamenya vya CCTV vy’ubuhinga bwa none.
• Ibigo bijejwe kugenzura no gukingira indwara (CDC) & Ishirahamwe ry'igihugu ryitaho no kugenzura ibikoko (NACA): Igitabo c'ivy'ugukingira no gukingira indwara y'ibicurane - Amategeko yo kwihweza imbwa zo mu rugo n'ugusuzuma imbwa zirumwa n'abahinga mu vy'amategeko.