Icyiciro cyo Kunyerera-Kugwa, Kumenagura-Amenyo, no Kwambura Umutungo Wimbwa-Bite: Kubika amashusho ya Kamera no kwanga gutura amafaranga¶

Kuvumbura umuntu utazi, umuntu utanga, cyangwa umukiriya uryamye munzira yawe yimbere, inzira nyabagendwa, cyangwa igorofa rito rufata umugongo wo hepfo, ufashe igice cyinyo cyabanje kumeneka iruhande rwikintu cyabigenewe, cyangwa kwerekana igikomere gishya mugihe uvuga ko imbwa yawe yarumye nimwe mumitego yo kwambura umuvuduko ukabije yibasira ba nyiri imitungo. Hirya no hino muri Amerika ya Ruguru, Ubwongereza, Uburayi, na Ositaraliya, byateguye impeta zishingiye ku buriganya hamwe n’uburyo bwo kwambura abantu amahirwe yo kugwa mu nzira zo guturamo no mu nzira zicururizwamo, gusuka amavuta yo guteka cyangwa guta umuzabibu umwe mu mufuka wabo igihe bizera ko nta kamera ireba, cyangwa ugakanda ibishushanyo by'inyamaswa byari bisanzweho ku ruzitiro rwawe, hanyuma bigasaba guhita. $500 Kuri $5,000 amafaranga cyangwa kwishyura-byishyurwa ("ntabwo rero ngomba kurega ubwishingizi bwawe no gutuma utakaza inzu yawe"). Niba umuntu avuze ko yakomeretse mumiturire yawe cyangwa yubucuruzi, ** ntuzigere wishyura idorari na rimwe ryamafaranga, Venmo, Zelle, cyangwa Cash App kumwanya **, hita uhamagara aho utuye nimero yihutirwa . rwiyemezamirimo murugo hamwe ninzu ku nzu uburinzi bwo kurinda uburiganya, iwacu umuntu utazi kumuryango nuyobora abigana, n'iyacu kwambura no kuyobora uburinzi.

Ihuriro ry’amashyirahamwe arwanya uburiganya bw’ubwishingizi (CAIF), Ikigo cy’igihugu gishinzwe ibyaha by’ubwishingizi (NICB), hamwe n’ikigo cy’ubwishingizi cy’ubwishingizi (IFB) mu Bwongereza, cyatangaje ko ibirego-byishyurwa by’amazu byatwaye ba nyir'amazu ndetse n’ubucuruzi buciriritse buri mwaka amamiliyaridi y’amadolari kandi bagakurikiza ibitabo bibiri bitandukanye by’imikino. Mu gitabo cyitwa ** Ako kanya Cash-Shakedown Playbook **, umushukanyi yibasiye nyir'urugo mukuru, nyir'inzu, cyangwa umucuruzi wigenga, akora impapuro zinyerera ku rubaraza rwumye cyangwa avuga ko imbwa itabigenzuye, maze ahatira nyir'ubwoba gutanga amafaranga ako kanya kugira ngo yirinde urubanza. Muri ** Urutonde rwitwa "Runner-and-Mill" Urubanza rwo gukinisha **, impeta ihuza impeta igwa ntoya, yanga ambulance aho yari ari, itegereza iminsi 25 kugeza 35 kugeza igihe nyir'umutungo Impeta, Nest, cyangwa NVR kamera yumutekano ihita yandika amashusho ya videwo, hanyuma igakorera a $100,000 urubanza rworoshye-tissue rushyigikiwe nivuriro ryangiritse ruswa. Gukurikiza amategeko akomeye yo kubungabunga no gutabara byihutirwa byangiza ibitero byombi ako kanya.

Kora ubu¶

1. ** Kwanga icyifuzo cyose cyo kwishura amafaranga ahabigenewe, kohereza banki, cyangwa kwemererwa kwandika amakosa. ** Niba uwasabye abisabye. $300 kubuvuzi bwihutirwa bafatanya kwishyura, $800 ku ikamba ry'amenyo ryacitse, cyangwa $1,500 "kwibagirwa ibintu byose byabaye," kwishyura idorari rimwe ry'amafaranga cyangwa kohereza ibikoresho bya elegitoronike (Zelle, Venmo, Cash App, PayPal) ntabwo arangiza ikirego. Mu mategeko agenga uburyozwe bw’imbonezamubano muri buri bubasha, gutanga amafaranga mu buryo butemewe nta kurekurwa byemewe n'amategeko ntibibuza abashuka gutaha mu cyumweru gitaha hamwe n’avoka wakomeretse ku giti cye, kandi abatekamutwe babona ko kwishyura byihuse ari ikimenyetso cyerekana ko uri ikimenyetso cyoroshye cyo kwambura abantu.
2. ** Hamagara 911/999/112/000 ako kanya kugirango wohereze serivisi z’ubuvuzi bwihutirwa (EMS) n’umupolisi wambaye imyenda aho hantu. ** Bwira uwatanze ikirego atuje ati: abategura kunyerera cyangwa kugwa cyangwa guhimbira imbwa kuruma imbwa hafi ya bose bafite ubwoba iyo bumvise ambulance hamwe na cruiser ya polisi bari munzira, kubera ko inkeragutabara zigenzura ibimenyetso byamavuriro (umuvuduko wumutima, umuvuduko wamaraso, igisubizo cyuruhu rwabanyeshuri, uruhu rwerekana uruhu, kandi niba igikomere ari gishya cyangwa amasaha 48) kandi abapolisi bakoresha indangamuntu yabo kugirango babone ibyemezo bifatika.
3. ** Kuramo, kohereza hanze, kandi ubike burundu amashusho yumutekano wawe muminota 30 yambere (harimo iminota 30 mbere yiminota 30 nyuma yibyabaye). ** Ntukarebe gusa clip iri imbere yawe Ring, Arlo, Google Nest, Blink, Wyze, cyangwa porogaramu ya NVR yubucuruzi. Kamera yumuryango wibicu bisiba clips mu buryo bwikora nyuma yiminsi ** 30 kugeza 60 **, hamwe na disiki ikomeye ya CCTV (DVR/NVR) andika amashusho mugihe gito ** amasaha 72 kugeza kumunsi 14 **. Kuramo kavukire .MP4 dosiye ya videwo kuri terefone yawe na mudasobwa, ohereza kopi kuri drives ebyiri zitandukanye (Google Drive, iCloud, OneDrive), hanyuma wohereze kopi kuriwe kugirango igihe kidahinduka.
4. ** Fotora igorofa nyayo, inzira nyabagendwa, inkweto, hamwe n’imvune bivugwa mbere yuko ikintu cyose gisukurwa, cyimurwa, cyangwa gihinduka.
5. Ubuso bwa ** busa neza ** (garagaza intambwe zifatika zumye, umunyu, zaka neza, kandi nta nenge, cyangwa werekane ko icyuzi cyamazi gifite inzira yihariye iganisha kumacupa mumufuka wabisabye).
6. Inkweto za ** usaba ** (fotora niba zambaye inkweto zishaje zishaje, flip-flops mu gihe cy'itumba, cyangwa inkweto ndende).
7. ** bivugwa ko ari igikomere cyangwa ikintu cy’amahanga ** (niba bavuga ko imbwa yarumye, fotora niba hari umwenda wacitse ku ipantaro cyangwa amaraso mashya; niba basaba iryinyo cyangwa ikirahure cyacitse mu biryo, saba gufotora icyo gice hanyuma ugumane ibintu bifatika kugirango ubisesengure muri laboratoire).
8. ** Niba bavuga ko imbwa yarumye cyangwa inyamaswa zikomanze, shyira imbwa yawe mu nzu ako kanya hanyuma ufotore uruzitiro rwawe, amarembo, n'amenyo n'imbwa byimbwa. Funga imbwa yawe neza mucyumba cy'imbere, fata videwo yerekana igihe imbwa yawe yari inyuma y irembo rifunze cyangwa mu nzu mugihe cyo gusaba, shakisha imbwa yawe ** Icyemezo cyo gukingira inkwavu **, hanyuma utegereze kugenzura inyamaswa cyangwa abapolisi.
9. ** Menyesha nyir'urugo, Umukode, cyangwa Ubucuruzi Rusange (CGL) ushinzwe ubwishingizi bw’abatwara ubwishingizi (SIU) mu masaha 24. Rengera "** ingingo, bivuze ko umwishingizi wawe agomba kwishyura abunganira abaregwa hamwe nabashinzwe iperereza kuburiganya kuri zeru zidafite amafaranga.

Igiti cyemezo: Gukomeretsa imitungo hamwe no kwambura imbwa triage¶

Koresha iyi mikorere ikora mugihe umushyitsi wese, umuhisi, umukozi ushinzwe gutanga, cyangwa abakiriya bavuga ko bakomeretse kumitungo yawe.

flowchart TD
    Start["Umuntu ku mutungo wawe avuga ko yakomeretse: Kunyerera-Kugwa, Amenyo Yavunitse, CYANGWA Kuruma Imbwa"] --> SafetyCheck["1."]

    SafetyCheck --> Call911["2."]

    Call911 --> ScammerReaction{"3. Uregwa yitwara ate mugihe EMS na Polisi boherejwe?"}

    ScammerReaction -->|"Guhunga Scene / Yanze gutegereza Polisi"| FleeProtocol["UKUNTU UKURIKIRA KUBURENGANZIRA CYANGWA MU Binyabiziga: 1. Ntukabirukane cyangwa ngo ubabuze kumubiri 2. Andika amashusho yerekana ko bagenda / biruka bisanzwe + icyapa cy’ibinyabiziga 3. Guha abapolisi videwo yo kwandikisha inkuru ikekwa / Kugerageza kwambura abantu"]

    ScammerReaction -->|"Guma kuri Scene / Gusaba Amafaranga cyangwa Kubangamira Urubanza"| StayProtocol["4."]

    FleeProtocol --> ArchiveVideo["5. Kwohereza hanze no gufunga VIDEO YOSE CCTV / URUGENDO:"]
    StayProtocol --> ArchiveVideo

    ArchiveVideo --> NotifySIU["6."]

Anatomy ya 4 yibasiwe no gukomeretsa imitungo¶

Abatekamutwe bashinzwe kwishyura bashingira ku gutungurwa, kwicira urubanza, no gutunga nyir'umutungo gutinya izamuka ry’ubwishingizi cyangwa imanza. Kumenya ubukanishi bwumubiri bwa buri ruse bigufasha kubona uburiganya mumasegonda:

Amashusho agaragara: Urupapuro nyarwo rwibinyabuzima na videwo rwamanutse kuri CCTV¶

Iyo usuzumye kamera yumutekano wawe cyangwa amashusho yumuryango hamwe na polisi hamwe nishami ryubwishingizi ryihariye rishinzwe iperereza (SIU), reba ibi bimenyetso bitanu bikoresha imashini itandukanya kunyerera kwimpanuka nukuri kugwa:

================================================================================
   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 protocole yo kubika no gufunga ibimenyetso bya videwo¶

Ikosa rimwe rikomeye abafite imitungo bakora nyuma yibintu biteye inkeke ni ukeka ko kubera ko barebye clip kuri porogaramu ya terefone, videwo ibitswe neza. Kurikiza uru rutonde rwose rw'intambwe 4 zo kubika urutonde rwihuse:

1. Kohereza hanze kavukire .MP4 Idosiye (Ntukigere Wishingikiriza kuri ecran Yanditse wenyine)¶

• Fungura kamera yawe (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, cyangwa Lorex) hanyuma ukoreshe ** Gukuramo / Kwohereza hanze Umwimerere Clip ** kugirango dosiye ibike hamwe nicyemezo cyumwimerere, igipimo cyikadiri, hamwe na metadata yashyizwemo.
• Niba sisitemu yawe ikoresha agasanduku kaho ** NVR / DVR gahujwe na monitor **, shyiramo format ya ** USB flash ya ** mumashanyarazi ya NVR imbere, hitamo Backup / Export, hitamo byombi Inzira Nkuru (Ibisobanuro Byinshi) ** hamwe na ** yubatswe / .MP4 format **, no kohereza hanze idirishya rihoraho ritangira ** iminota 30 mbere yuko ** umuntu agera muri ** iminota 30 nyuma ya ** bagiye.

2. Gufata Kamera Yabanjirije Ibyabaye na Nyuma Yibyabaye Kamera (Harimo Kamera Yabaturanyi)¶

• Umushukanyi wateguwe kunyerera no kugwa akenshi ahagarika imodoka yabo yagendaga ** amazu abiri cyangwa atatu kumuhanda ** kuburyo kamera yawe yo kumuryango wawe idashobora gusoma icyapa cyabigenewe, gucumbagira cyane mugihe imbere yinzu yawe, hanyuma ** iriruka cyangwa igenda rwose mubisanzwe ** nibamara kurenga uruzitiro rwawe.
• Genda kubaturanyi bawe hafi kumpande zombi no hakurya y'umuhanda ** umunsi umwe **. Basabe kugenzura no gukuramo inzogera zabo hamwe na kamera ya kamera yo muri idirishya ryiminota 30. Amashusho y’impeta y’umuturanyi yerekana "abamugaye" yiruka yiruka kuri SUV ihagaze metero 50 (metero 164) ni imurikagurisha ryihuse.

3. Koresha 3-2-1 Amategeko yo Kumanura Amategeko¶

• Bika ** kopi 3 ** ya buri fayili ya videwo no gufotora kuri ** 2 ibitangazamakuru bitandukanye byo kubika ** (disiki yawe ya mudasobwa yawe wongeyeho USB yo hanze) hamwe na ** 1 kopi yabitswe hanze yikicu ** (Google Drive, iCloud Drive, Dropbox, cyangwa OneDrive).
• Ohereza kopi yama dosiye ya videwo (cyangwa ihuza igicu gisangiwe) kuri aderesi imeri yawe hamwe nuwo mwashakanye cyangwa aderesi imeri ya mugenzi wawe. Imeri ya seriveri ya imeri itanga ibyigenga, byerekana neza ** RFC 5322 cryptographic timestamp ** yerekana ko videwo yabayeho muri ubwo buryo nyabwo ku munsi byabereye.

4. Kubika ibimenyetso bifatika¶

• Niba abatekamutwe bajugunye ikintu cyamahanga (icupa ryakoreshwaga mu gusuka amazi, iryinyo ryimpimbano, cyangwa ikirahure mubiryo), shyira ikintu mumufuka ufunze hamwe nitariki nigihe, hanyuma ubibike kubapolisi cyangwa muri laboratoire yumwishingizi wawe.

Porotokole yihariye yo kwirwanaho kubeshya cyangwa gukabya imbwa zirumwa¶

Abafite imbwa nintego nyamukuru kubashuka amafaranga-kuberako ba nyirayo batinya ko kugenzura inyamaswa bizafata amatungo yabo. Irinde n'imbwa yawe ukoresheje izi ntambwe:

1. ** Sobanukirwa uburyo karantine yemewe yo kugenzura inyamaswa ikora **:
2. Abatekamutwe bakunze kubeshya bakavuga ko kugenzura inyamaswa bizatanga imbwa yawe uyumunsi keretse wishyuye $1,000 amafaranga.
3. ** Ibyo ni ibinyoma. ** Muri Amerika, Kanada, Ubwongereza, na Ositaraliya, itungo ryakingiwe riregwa kurumwa rito ntirishobora gutangwa muri make. Amategeko yubuzima mubisanzwe akenera igihe cyiminsi 10 yo kwitegereza ibisazi **, kubitungwa bikingiwe hafi ya buri gihe ** Karantine Yurugo murugo rwawe ** nyuma yo gusuzuma icyemezo cyawe cyindwara.
4. ** Fotora kuri bariyeri, guhubuka, no kuvugwa kuruma ako kanya **:
5. Fata videwo ikomeza yerekana ko irembo ryakinguwe, uruzitiro rudafite icyuho, kandi ibimenyetso byose byo kuburira byashyizwe ahagaragara.
6. Fotora ibikomere bivugwa kuva kuri metero 3.3. Niba imbwa irumye mu ipantaro cyangwa amaboko akomeye ku buryo yamena uruhu, amenyo ya kine asiga umwobo wacitse cyangwa amacandwe ku mwenda. Imyenda idahwitse hejuru yerekana igikomere cyabereye ahandi.
7. ** Gupima kandi wandike umwirondoro w'amenyo y'imbwa yawe **:
8. Saba veterineri wawe wandike uburemere bwimbwa yawe, uko inkingo ihagaze, hamwe nubugari bwa ** hagati ya ** (intera iri muri milimetero hagati y amenyo ya kine). Abashakashatsi bakunze guhakana ibirego byimbwa byimbwa berekana ko ikimenyetso kiri mukuboko kwa nyirubwite kidahuye nubugari bwimbwa.

Uburyo isosiyete yawe yubwishingizi idasanzwe ishinzwe iperereza (SIU) itsinze ibirego byuburiganya¶

Dore uburyo bwo kumenyesha ibyabaye neza kugirango umwishingizi wawe akurwanire utishyuye abashuka:

1. Saba "Amakuru-Yonyine / Ukekwaho Uburiganya Kohereza SIU"¶

• Umwishingizi mukuru wese akomeza ishami ryihariye ryihariye rishinzwe iperereza (SIU) ** rikorerwa nabahoze ari abashinzwe iperereza n’abasesengura ubutabera.
• Vuga neza *

2. Kurura ISO ClaimSearch / CLUE / IFB Ububikoshingiro Kwambukiranya¶

• Abatekamutwe babigize umwuga batanga ibirego bimwe bisa nabishingizi batandukanye.
• Iyo umwishingizi wawe yinjije ibisobanuro byabasabye muri ** Verisk ISO ClaimSearch base ** (US), ** Équité Association ** (Kanada), cyangwa ** Gusaba no Kwandika (CUE) ** (UK), sisitemu yerekana niba uwo muntu yavuze mbere yo kunyerera-kugwa cyangwa kumenyo amenyo mumezi ashize.

3. Ntukigere ureka abashuka baguhatira kwishyura "Munsi yawe".¶

• Kuri bisanzwe ** Ba nyiri amazu (HO-3), Abakodesha (HO-4), cyangwa Ubucuruzi Rusange Rusange (CGL) politiki **, ** Igifuniko Cyuburyozwe (Coverage E) hamwe nubuvuzi bwo kwivuza (Coverage F) mubice bifite a $0 kugabanywa **. Ubwunganizi bw'inshingano butangirira ku madorari ya mbere, kandi umwishingizi yishyura 100 ku ijana by'avoka wunganira hamwe na SIU.

Inomero zihutirwa zo mukarere hamwe numuyoboro wo gutanga uburiganya¶

Niba umushukanyi agerageje kwaka amafaranga ku mutungo wawe cyangwa agatanga ikirego cy’imvune z’uburiganya, menyesha ibyabaye haba mu nzego z’ubutegetsi bw’ibanze ndetse n’ikigo cy’igihugu gishinzwe uburiganya:

• ** Amerika **:
• ** Kohereza abapolisi & EMS **: Hamagara ** 911 ** mugihe uwasabye ari kumitungo yawe bityo raporo yo kwita kubarwayi ba EMS ifite intego (ePCR) na Raporo y'ibyabaye kuri Polisi ikorwa ako kanya.
• ** Umurongo wa telefone w’ubwishingizi bw’igihugu **: Raporo ukekwaho kunyerera no kugwa, uburiganya bwo kuruma imbwa, cyangwa impeta yiruka kuri ** Ikigo cy’igihugu gishinzwe ubwishingizi bw’ubwishingizi (NICB) ** kuri **1-800-TEL-NICB (1-800-835-6422) ** cyangwa kumurongo kuri nicb.org, kimwe na ** Ishami rya Leta ry’Ubwishingizi Ibiro bishinzwe uburiganya **.
• ** Kanada **:
• ** Kohereza abapolisi & EMS **: Hamagara ** 911 ** kubapolisi no gusuzuma inkeragutabara aho byabereye.
• ** Raporo y'Ibyaha by'Ubwishingizi **: Menyesha Ishyirahamwe ** Équité (ahahoze ari Biro y'Ubwishingizi muri Kanada ishinzwe iperereza) ** umurongo w'inama kuri 1-877-422-8477 cyangwa Abahagarika Ibyaha kuri 1-800-222-8477.
• ** Ubwongereza **:
• ** Kohereza byihutirwa & Polisi **: Hamagara ** 999 ** niba uwambuye yanze kuva mu mutungo wawe, akagutera ubwoba, cyangwa agasaba ko yakomeretse bikabije, cyangwa ugahamagara ** 101 ** kugira ngo wandike raporo y’uburiganya bwihutirwa kandi ubone nomero ya **.
• ** Ibiro by'Ubwishingizi Bw’Ubwishingizi (IFB) Cheatline **: Raporo yakozwe ku nkomere ku giti cye cyangwa "impanuka / kunyerera ku mafaranga" isaba ibanga kuri ** IFB Cheatline ** kuri 0800 422 0421 cyangwa binyuze insurancefraudbureau.org, no gutanga raporo kuri ** Umujyi wa Londere Ubwishingizi bw'Ubwishingizi bwa Polisi mu mujyi wa Londres (IFED) ** ukoresheje ** Ibikorwa by'uburiganya (0300 123 2040) **.
• ** Umuryango w’ubumwe bw’ibihugu by’i Burayi **:
• ** Kohereza byihutirwa **: Hamagara ** 112 ** kugirango usabe abapolisi ba komini cyangwa igihugu ndetse n’igenzura rya ambulance aho byabereye, hanyuma usabe raporo y’abapolisi (procès-verbal mu Bufaransa / Ububiligi, Strafanzeige wegen Betrugs / Erpressung mu Budage, denuncia muri Espagne / Ubutaliyani) mbere yo kumenyesha umwishingizi wawe muburyozwe (assurance responsabilité civile / Privathaftpflichtversicherung).
• ** Ositaraliya na Nouvelle-Zélande **:
• ** Kohereza byihutirwa **: Hamagara ** 000 ** (Ositaraliya) cyangwa ** 111 ** (Nouvelle-Zélande) iyo ubangamiwe cyangwa niba hari uwakomeretse ku nzu yawe, cyangwa ugahamagara umurongo wa polisi **131 444 muri AU / 105 muri NZ) **. Menyesha ibirego by'uburiganya ** Inama y'Ubwishingizi ya Ositaraliya (ICA) ** cyangwa ** Biro y'Ubwishingizi bw'Ubwishingizi bwa Nouvelle-Zélande (IFBNZ) **.

Ibibazo bikunze kubazwa¶

Niba umuntu avuze ko azibagirwa imvune zose ndamutse mpaye amadorari 200 gusa kano kanya ndetse nkanasaba gusinyira inoti yanditseho intoki ku gitambaro, kuki ntabikora?¶

Ntuzigere wishyura amafaranga ahabigenewe, nubwo umuntu yemeye gusinya urupapuro rwandikishijwe intoki. Ubwa mbere, abatekamutwe bakuramo neza amadorari 200 kuri nyirurugo cyangwa umucuruzi usanzwe bagaruka nyuma yiminsi bavuga ko "ibimenyetso byimbere bitinze" cyangwa bakohereza ibyitso byabo kugirango bongere babone adresse imwe. Icya kabiri, inkiko zatesha agaciro kenshi byihuta, bitagiriwe inama byandikishijwe intoki "gusohora napkin" byashyizweho umukono nyuma yiminota mike bivugwa ko yakomeretse bitewe ninyigisho zamakosa, ku gahato, cyangwa kutumvikana. Icya gatatu, gutanga amafaranga birashobora kugorekwa nuwunganira urega ubuhemu nkukwemera icyaha ("Kuki nyirurugo yatanga amadorari 200 mugihe intambwe zabo zitari mbi?"). Buri gihe ushimangire gukemura ikibazo icyo ari cyo cyose cy’imvune ukoresheje inyandiko z’ubuvuzi za EMS hamwe n’ubwishingizi bwawe.

Tegereza, ntuzahamagara ambilansi (911/999/112) kumuntu ukora imvune gusa ubafashe kubaka inzira yimpapuro kuburana?¶

Oya, guhamagara EMS ako kanya nuburyo bumwe bukomeye bwo gusenya ikirego cyimpimbano. Abatekamutwe bariganya-bagwa hamwe no kuruma imbwa bishingikiriza kuri Subjective Delay Reporting: gusiga imitungo yawe idasuzumwe no gusura chiropractor cyangwa ivuriro ryangiritse nyuma yiminsi itatu aho bashobora gusaba ibimenyetso bashaka. Iyo inkeragutabara zigenga za komine zigeze aho byabereye mu minota 8, zandika ibyavuye mu mavuriro yibanze kuri raporo y’ubuvuzi bwemewe n’ibitaro byemewe n'amategeko: umuvuduko ukabije w’amaraso na pulse (kutagira ububabare bukabije bw’ububabare), kubura kubyimba, gukomeretsa, cyangwa kuva amaraso, imyenda idahwitse, imikindo isukuye, hamwe n’ibikorwa byose. Ndetse icyiza kurushaho, 90 ku ijana byabashuka amafaranga bahunze bahunga aho bakwumva utanga ibisobanuro byabo kubohereje 911.

Byagenda bite niba ntafite kamera ya Impeta cyangwa CCTV yerekanaga neza aho bavuga ko baguye?¶

Nubwo kamera yawe bwite yabuze metero kare ya metero yo kugwa, uracyafite ibikoresho bikomeye byubucamanza. Banza, uhite ufata amafoto ya terefone yerekana igihe nyabagendwa cyangwa hasi yerekana ko yumye, idahwitse, yaka neza, kandi yujuje code, hanyuma ufotora inkweto zamaboko hamwe nintoki. Icya kabiri, reba amajwi ya kamera yawe hanyuma wegere impande zose kugirango umenye uko umuntu yagendaga hejuru yumutungo wawe. Icya gatatu, genda usange abaturanyi bawe hakurya y'umuhanda n'inzugi ebyiri hepfo kumpande zombi ako kanya: inzogera zabo cyangwa kamera ya dashcam bizahora bifata uwasabye guhagarika imodoka yabo, kugenda bisanzwe mbere yo kwegera inzu yawe, no guta ibimuga byabo byimpimbano bakimara kunyura mumihanda yawe.

Nshobora gufata umubiri cyangwa gufunga abashuka ku rubaraza rwanjye kugeza abapolisi bahageze niba nzi ko babeshya?¶

Oya, ntuzigere ufata kumubiri, gukemura, gufunga imbere mucyumba, cyangwa kubuza umuntu cyangwa imodoka yabo kuva mumitungo yawe. Kugerageza gufungwa kumubiri kubera gushaka kugerageza uburiganya bikugaragariza ihohoterwa ryumubiri (abambuzi benshi bitwaje intwaro zihishe cyangwa bafite icyitso bategereje mumodoka kumuhanda) hamwe nibirego byinshinjabyaha cyangwa mbonezamubano byo gukubita cyangwa gufungwa ibinyoma. Komeza intera ya metero 2 (metero 6.5), usubire inyuma yumuryango wawe ufunze nibaramuka bateye, hanyuma wandike amashusho yabo bagenda binjira mumodoka yabo kugirango abapolisi bafite isura nicyapa.

Niki resitora ntoya cyangwa nyiri iduka ryibiryo yakagombye gukora mugihe umukiriya avuga ko bamennye iryinyo kurutare cyangwa ikirahuri mubiryo byabo?¶

Gumana ituze, ubupfura, n'impuhwe utiriwe wemera amakosa cyangwa kwishyura amafaranga. Ako kanya saba kugenzura no kugumana isahani y'ibiribwa isigaye hamwe n'ikintu kivugwa ko kiri mu mahanga cyangwa igice cy'amenyo yamenetse ("Tugomba gufunga no kubika icyo kintu ndetse n'igice gisigaye cy'ifunguro muri iki gihe kugira ngo laboratoire y'ubwishingizi yacu ishobore kubisesengura no gukurikirana icyiciro cy'abatanga isoko"). Fata ibyemezo bihanitse byo gufunga hafi yikintu kuruhande rwigiceri. Tanga guhamagara inkeragutabara niba ziva amaraso, andika indangamuntu ya leta hamwe namakuru arambuye kumpapuro zabigenewe, uzigame amashusho yose yo mucyumba cyo kuriramo CCTV uhereye igihe bicaye, hanyuma ubabwire umwishingizi wawe wubucuruzi rusange ushinzwe ubucuruzi azababaza bitarenze amasaha 24. Abatekamutwe bitwaje amabuye yo mu mufuka cyangwa amenyo ashaje yakuweho hafi buri gihe banga gutanga igice cyangwa gutanga indangamuntu nyayo.

Niba mpamagaye isosiyete yubwishingizi ya nyiri urugo kugirango menyeshe gusa ko umushukanyi yagerageje kwigana kugwa munzira yanjye, ibiciro byubwishingizi bizazamuka?¶

Gutangaza ibyabaye nk "" Itangazo-Gusa / Ukekwaho uburiganya bwoherejwe muri SIU "aho hishyurwa amadorari zeru (`$0 Loss Paid`) muri rusange ntabwo itera amafaranga yinyongera yishyurwa kuri politiki ya banyiri amazu, cyane cyane iyo videwo yawe yabitswe ihagaritse uburiganya bwamadorari 50.000 nyuma yibyumweru bitandatu. Mugihe ubimenyesheje ishami ryihariye ryiperereza ryumwishingizi wawe kumunsi wa 1 hanyuma ugatanga videwo yerekana igihe cyerekanwe ko umuntu atakomeretse cyangwa yaguye kugwa, wujuje ibyangombwa bya politiki yawe "Bimenyeshwa Byihuse" mugihe ufungiye mumurwi wubwunganizi bwemewe n'amategeko mbere yuko abashuka bashobora gushaka avoka.

Kuyobora¶

• Umunyamahanga kumuryango, kwigana ibikorwa byingirakamaro, no kwirwanaho murugo
• Abagiraneza, ubutabazi, hamwe ninzu ku nzu uburiganya nyuma yumuyaga
• Igisenge ninzira nyabagendwa asfalt abagenzi uburiganya no kwirwanaho kwiterabwoba
• Kwambura, gusebanya, no gushimuta muburyo bw'incungu
• Ububiko bwihutirwa

Inkomoko nubuyobozi¶

• ** Ikigo cy’igihugu gishinzwe ubwishingizi ku byaha by’ubwishingizi (NICB): ** * Ikibanza cy’uburiganya: Kumenya impeta zagabanutse kandi zigwa, ibirego by’ibiribwa byo mu mahanga, hamwe n’uburyo bwo kwambura amazu *.
• ** Ihuriro rirwanya uburiganya bwubwishingizi (CAIF): ** * Ubucuruzi buciriritse hamwe naba nyir'urugo bakinira inzu yo gukingira impanuka zabaye, imiyoboro yabiruka, hamwe nuburyozwe bwa Shakedowns *.
• ** Ibiro by'Ubwishingizi Bw’Ubwishingizi (IFB - Ubwongereza) & Umujyi wa Londere Ishami rishinzwe gukumira ubwishingizi bw’ubugenzacyaha (IFED): **
• ** Ibiro bishinzwe ubwishingizi (Verisk ISO Ikirego)
• ** Ibigo bishinzwe kurwanya no gukumira indwara (CDC) & Ishyirahamwe ry’igihugu ryita ku kugenzura no kugenzura inyamaswa (NACA): ** * Ikigereranyo cyo gukumira no kurwanya indwara z’ibikoko by’inyamaswa - Porotokole yo mu rugo yita ku mbwa no kugenzura ibyakozwe na Forensic Bite *.