Ukutyibilika kunye nokuwa, izinyo elaphukileyo, kunye neFake Dog-Bite Proparty Scams: Ukugcina umfanekiso weKhamera kunye nokwala ukuHlaliswa kweMali¶

Ukufumanisa umntu ongamaziyo, umntu ohambisa impahla, okanye umthengi olele kwindlela yakho yangaphambili, indlela yokuhamba, okanye umgangatho woshishino oluncinci ebambe umva wabo ongezantsi, ebambe iqhekeza lezinyo elaphukileyo ngaphambili ecaleni kwesitya sokukhupha, okanye ebonisa inxeba elitsha lokuhlatywa ngelixa ubanga ukuba inja yakho ibalumile yenye yeyona migibe iphezulu yoxinzelelo olujolise kubanini beepropathi. Kuyo yonke iMntla Melika, i-United Kingdom, iYurophu, ne-Australia, imisesane yobuqhophololo elungelelanisiweyo kunye neqonga elingenelelayo liwela kumanyathelo okuhlala kunye neepaseji zokuthengisa, ugalele ioyile yokupheka okanye uwise umdiliya omnye epokothweni yabo xa bekholelwa ukuba akukho khamera ijongayo, okanye ucinezele isikrwelo sesilwanyana esele sikhona ngokuchasene nocingo lwakho, kwaye emva koko ufune i-immediate. $500 ukuya $5,000 imali okanye intlawulo yentlawulo yeselula ("ngoko akuyomfuneko ukuba ndimangalele i-inshorensi yakho kwaye ndikwenze ulahlekelwe yindlu yakho"). Ukuba umntu uthi wonzakele kwindawo yakho yokuhlala okanye yorhwebo, ungaze uhlawule idola enye yemali, iVenmo, iZelle, okanye iCash App kwangoko, khawuleza ufowunele ingingqi yakho. amanani kaxakeka (911 eUnited States naseKhanada, 999 eUnited Kingdom, 112 kulo lonke elase-European Union, 000 e-Australia) ukuze aboncedo lokuqala baqhube uvavanyo lwezonyango olunenjongo kwaye amapolisa abhale isazisi sommangali esisemthethweni, ukuthumela ngaphandle kunye nelifu-ugcino lwentsimbi yakho eqhubekayo engama-24/7 okanye ividiyo yeCCTV ngaphambi kweentsuku ezingama-30 kwaye ilucime ifestile yethu. unokontraka wasekhaya kunye nesikhokelo sokukhusela ubuqhetseba kwindlu ngendlu, wethu ongamaziyo emnyango kunye nomlinganiso wesikhokelo sokuzikhusela, kunye wethu ubuqhetseba kunye nesikhokelo sokhuselo lobuxoki.

Ngokutsho kweCoalition Against Insurance Fraud (CAIF), iNational Insurance Crime Bureau (NICB), kunye neInsurance Fraud Bureau (IFB) eUnited Kingdom, amabango otyalo-mali lwezakhiwo axabisa abaninimzi kunye namashishini amancinci iibhiliyoni zeerandi ngonyaka kwaye alandele iincwadi zokudlala zolwaphulo-mthetho ezimbini ezahlukeneyo. Kwincwadi ethi I-Inmediate Cash-Shakedown Playbook, umkhohlisi ujolise kumnini-ndlu ophezulu, umnini-mhlaba, okanye unovenkile ozimeleyo, wenza umgunyathi kwisiliphu esinobundlobongela kwiveranda eyomileyo okanye afune inja yenja engaqinisekiswanga, kwaye acinezele umniniyo ukuba anikezele ngemali ngoko nangoko ukuze aphephe ukumangalela. Kwi-Incwadi yokudlala ye-"Runner-and-Mill" eQuquzelelweyo ye-Lawsuit, inqanaba leringi elilungelelanisiweyo lokuwa kancinci, liyala i-ambulensi kwindawo yexhwayelo, lilinde iintsuku ezingama-25 ukuya kwezingama-35 de ikhamera yokhuseleko lomnini-ndawo, i-Nest, okanye i-NVR yokhuseleko ibhale ngaphezulu kwevidiyo, emva koko isebenze $100,000 isimangalo esithambileyo esixhaswa yiklinikhi yonyango eyonakeleyo. Ukulandela ugcino lwasenkundleni olungqongqo kunye neprotocol yempendulo kaxakeka yenza ukuba zombini zihlaselwe ngokukhawuleza.

Yenza oku ngoku¶

1. Yala yonke imfuno yentlawulo yemali ekhoyo apho, utshintshelo lwebhanki, okanye ukwamkelwa ngembalelwa kwesiphoso. Ingaba ummangali uyacela na $300 kwintlawulo engxamisekileyo yokhathalelo, $800 isithsaba wamazinyo eziqhekekileyo, okanye $1,500 "ukulibala yonke into eyenzekayo," ukuhlawula idola enye yemali okanye ukudluliselwa kwe-elektroniki (Zelle, Venmo, Cash App, PayPal) alipheli ibango. Phantsi kwemithetho yetyala loluntu kuwo onke amagunya, ukunikezelwa kwemali ngokungekho sikweni ngaphandle kokukhululwa ngokusesikweni ngokusemthethweni akuthinteli umqhathi ukuba abuye kwiveki elandelayo negqwetha lokwenzakala, kwaye abaqhathi bajonga intlawulo yemali ngoko nangoko njengobungqina bokuba uluphawu olulula lokuphinda ukuphanga.
2. Cofa ku-911 / 999 / 112 / 000 ngokukhawuleza ukuze uthumele zombini iiNkonzo zezoNyango eziNgxamisekileyo (EMS) kunye nepolisa elinxibe iyunifomu kwindawo yexhwayelo. Xelela ummangali ngokuzolileyo: *"Ngenxa yokuba uxela ukuba wonzakele kwindawo yam, nditsalela inqwelo yezigulana kunye namapolisa ngoku ukuze abezoncedo lokuqala bakuxilonge baze benze ingxelo yonyango lokwenzakala ngokumasikizi; bamkele ixhoba lengozi yokwenzakala ngokumasikizi." isilayidi esinesiteji-kunye-nokuwa okanye inkohliso ye-dog-bite scammer phantse isoloko ixhalaba xa iva i-ambulensi kunye ne-cruiser yamapolisa isendleleni, kuba i-paramedics ihlola iimpawu zeklinikhi ezijoliswe kuyo (izinga lentliziyo, uxinzelelo lwegazi, impendulo yomfundi, i-skin turgor, kunye nokuba inxeba litsha okanye iiyure ze-48 ubudala) kwaye amapolisa aqhuba i-ID yawo karhulumente kwiziqinisekiso ezisebenzayo.
3. Khuphela, thumela ngaphandle, kwaye ugcine ngokusisigxina ikhamera yakho yokhuseleko ngaphakathi kwemizuzu engama-30 yokuqala (kubandakanywa nemizuzu engama-30 phambi kwemizuzu engama-30 emva kwesehlo). Sukujonga nje ikliphu ngaphakathi kwakho. Ring, Arlo, Google Nest, Blink, Wyze, okanye i-app ye-smartphone ye-NVR yorhwebo. Iikhamera ze-Cloud doorbell zicima iziqeshana ngokuzenzekelayo emva kweentsuku ezingama-30 ukuya kwezingama-60 **, kunye neerekhodi zeCCTV ze-hard drive (DVR/NVR) bhala ngaphezulu imifanekiso eshukumayo kwisithuba nje iyure ezingama-72 ukuya kwiintsuku ezili-14. Khuphela umthonyama ekrwada .MP4 iifayile zevidiyo ngqo kwifowuni yakho kunye nekhompyuter, layisha iikopi kwiidrive ezimbini ezahlukeneyo zamafu (Google Drive, iCloud, OneDrive), kwaye ikopi ye-imeyile kuwe ukuze isitampu sexesha esingenakuguqulwa senziwe.
4. Fota owona mgangatho, indlela yokuhamba, izihlangu, kunye nokwenzakala okutyholwa phambi kokuba kucocwe nantoni na, isuswe, okanye itshintshwe. Phambi kokuba wosule indawo echithekileyo okanye uhambise imathi yokucango, sebenzisa i-smartphone yakho ukufota iifoto ezinokulungiswa okuphezulu kunye nevidiyo ye-4K ebaliswayo eqhubekayo ebonisa:
5. I imeko ethe ngqo yomphezulu (qinisekisa ukuba amanyathelo aphathekayo ayomile, anetyuwa, akhanyiswe kakuhle, kwaye awanaziphene, okanye abonise ukuba idama lolwelo linomzila owahlukileyo okhokelela ngqo kwibhotile ekwingxowa yobango).
6. Izihlangu zombango (fota nokuba zinxibe ii soli ezigugileyo ezityibilikayo, iiflops ebusika, okanye izithende eziphakamileyo).
7. Inxeba elityholwayo okanye into yangaphandle (ukuba babanga ukuba balunywe yinja, fota nokuba kukho naliphi na ilaphu elikrazukileyo kwiibhulukhwe zabo okanye naliphi na igazi elitsha; ukuba babanga izinyo elaphukileyo okanye iglasi ekutyeni, cela ukufota iqhekeza kwaye ugcine into ebonakalayo ukuze ihlalutywe elabhoratri).
8. Ukuba bathi ilunywe yinja okanye isilwanyana esiwisa isilwanyana, khusela inja yakho endlwini ngoko nangoko kwaye ufote ucingo lwakho, amasango, namazinyo namanqina enja. Ungaze uvumele ummangali onoburhalarhume okanye umntu obukeleyo ukuba asicaphukise isilo-qabane sakho okanye anyanzele ukuba sithathwe isilwanyana eso kwangoko. Tshixa inja yakho ngokukhuselekileyo ngaphakathi kwigumbi elingaphakathi, thatha ividiyo enestampu sexesha ebonisa ukuba inja yakho ibisemva kwesango elitshixwayo okanye ngaphakathi endlwini ngexesha lebango, khangela iSiqinisekiso sokugonya iRabies sangoku senja yakho **, kwaye ulinde uLawulo lweZilwanyana olusemthethweni okanye amapolisa.
9. Yazisa uMninimzi wakho, uMqeshisi, okanye i-Commercial General Liability (CGL) ye-Inshorensi yeCandelo loPhando oluKhethekileyo (SIU) phakathi kweeyure ezingama-24. Tsalela umnxeba wokuthatha amabango wakho we-inshorensi kwaye ucacise ngokucacileyo: "Ndixela isiganeko esikrokrelekayo / ibango lobuqhetseba ngeenjongo zerekhodi kuphela kwaye ndithumele kwiCandelo lakho eliKhethekileyo ividiyo efakwe isitampu samaxesha kunye neefoto." Ipolisi yakho ye-inshorensi ibandakanya igatya elithi "Umsebenzi wokuKhusela", elithetha ukuba umkhuseli wakho kufuneka ahlawulele amagqwetha akhuselayo kunye nabaphandi borhwaphilizo ngaphandle kweendleko zomthetho eziphuma epokothweni kuwe.

Umthi wesigqibo: Ukonzakala kwepropathi ehleliweyo kunye nokuvavanywa kokulunywa yinja¶

Sebenzisa le tshati yokusebenza ngalo mzuzu nawuphi na umtyeleli, umhambi, umsebenzi wohambiso, okanye amabango omthengi athi bonzakele kwipropati yakho.

flowchart TD
    Start["Umntu okwiPropati yakho uBanga uLonzakala: Ukutyibilika nokuwa, izinyo elaphukileyo, OKANYE ukulunywa yiNja."] --> SafetyCheck["1. UKHUSELEKILE ISIGANEKO & NEMALI YENKUNKUMA: - Gcina i-2 yeemitha (6.5 iinyawo) umgama - UNGAZE uhlawule imali, iVenmo, okanye iZelle - UNGAZE utyikitye naliphi na iphepha okanye uvume impazamo."]

    SafetyCheck --> Call911["2. CELA KU-911 / 999 / 112 KWANGOKO: - Cela ZOBINI I-Paramedics (EMS) kunye namaPolisa - Xela ngokuvakalayo: 'I-ambulensi kunye namapolisa asendleleni aza kukujonga'"]

    Call911 --> ScammerReaction{"3. Umfaki-bango usabela njani xa kuthunyelwa i-EMS naPolisa?"}

    ScammerReaction -->|"INdawo Yokubaleka / Wala Ukulinda Amapolisa"| FleeProtocol["UMrhanelwa UBALEKA NGEZINYAWU OKANYE ESITHULWENI: 1. Sukubaleqa okanye ubathintele ngokwasemzimbeni 2. Rekhoda ividiyo yabo behamba/bebaleka ngokuqhelekileyo + ipleyiti yelayisensi yemoto 3. Nika amapolisa ividiyo ukuba abhale ingxelo yeSiganeko esiSikrokrelayo"]

    ScammerReaction -->|"Uhlala kwiSigcawu / ufuna imali okanye ugrogrise isimangalo"| StayProtocol["4. YENZA UKULONDOLOZWA KOMTHETHO KWINDAWO: - Fota kanye indlela yokuhamba / emgangathweni (owomileyo/omanzi), ukukhanya, kunye nezihlangu zobango - Ukuba iNja ilunywa ibango: Tshixa inja ngaphakathi, ifilim yocingo olubiyelweyo/intambo, tsala iSatifikethi soMgada - Ukuba Ukutya/izinyo ibango: Gcina into/ingxowa yangaphandle kwingxowa ecocekileyo ecocekileyo."]

    FleeProtocol --> ArchiveVideo["5. THUMELA KWAMANYE AMAZWE & UTSHIFELE ZONKE IVIDIYO YECCTV / DOORBELL NGOKUNGOKO: - Khuphela iikliphu zemveli .MP4 ukusuka kwimizuzu engama-30 PHAMBI kwemizuzu engama-30 EMVA kwesehlo - Gcina kwiidrive zamafu ezi-2 ezahlukeneyo + i-USB flash drive phambi kokubhala ngaphezulu kweentsuku ezisi-7 ukuya kwi-30"]
    StayProtocol --> ArchiveVideo

    ArchiveVideo --> NotifySIU["6. REPORT TO INSURER SPECIAL INVESTIGATIONS UNIT (SIU): - Obtain Police Incident # and EMS Run Sheet # - File 'Notice Only / Suspected Staged Claim' with Homeowner or CGL Insurer SIU - Insurer triggers ISO ClaimSearch cross-check for prior staged falls by claimant"]

I-Anatomy ye-4 yezona zixhaphakileyo zokukhwabanisa kwipropathi¶

Abaqhathi bamatyala amiselweyo baxhomekeke ekumangalisweni, ukuba netyala, kunye noloyiko lomnini wepropathi lokunyuswa kwentlawulo ye-inshorensi okanye amatyala. Ukuqaphela ubuchwephesha bomzimba boqhinga ngalinye kukuvumela ukuba ubone ubuqhophololo ngemizuzwana:

I-Visual forensics: I-Genuine biomechanical slip vs. Ukuthotywa kweqonga kwi-CCTV¶

Xa uphonononga ikhamera yakho yokhuseleko okanye intsimbi yomnyango ecaleni kwamapolisa kunye neYunithi yoPhando oluKhethekileyo yenkampani yakho yeinshurensi (SIU), khangela ezi ziphawuli zintlanu zebhayomechanic ezahlula isiliphu sokwenyani ngengozi ekuweni okuhleliweyo:

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

Inyathelo ngenyathelo leprotocol yokugcina kunye nokutshixa ubungqina bakho bevidiyo¶

Eyona mpazamo inkulu eyenziwa ngabanini bepropathi emva kwesehlo esikrokrelayo kukucinga ukuba ngenxa yokuba bebukele ikliphu kwi-app yefowuni yabo, ividiyo igcinwe ngokukhuselekileyo. Landela olu luhlu luchanekileyo logcino lwedijithali olunamanyathelo ama-4 ngoko nangoko:

1. Thumela ngaphandle iNative ekrwada .MP4 Ifayile (Ungaze uthembele kwiSkrini sokuRekhoda Wedwa)¶

• Vula usetyenziso lwekhamera yakho (Ring, Google Home / Nest, Arlo, Eufy, UniFi Protect, Reolink, Hikvision, okanye Lorex) kwaye usebenzise i Khuphela / Rhweba ngaphandle kweKlip iqhosha ukuze ifayile igcine ngesisombululo sayo soqobo, umlinganiselo wesakhelo, kunye nemetadata elungisiweyo.
• Ukuba inkqubo yakho isebenzisa yendawo NVR / DVR ibhokisi eqhagamshelwe emonitha, faka ifomathiweyo USB flash drive kwizibuko le-NVR langaphambili le-USB, khetha Backup / Export, khetha zombini Umlambo oPhambili (ingcaciso ePhezulu) kunye ne **umdlali owakhelwe ngaphakathi / .MP4 format

2. Thatha i-engile yekhamera ye-Pre-Incident kunye ne-Post-Incident (Kubandakanywa neekhamera zabamelwane)¶

• Umkhohlisi okwiqonga wokutyibilika nokuwa udla ngokupaka imoto yakhe yokubaleka izindlu ezimbini okanye ezintathu ezantsi esitratweni ukuze ikhamera yakho yentsimbi yocango ingakwazi ukufunda ipleyiti yelayisenisi, iqhwalela ngokukhawuleza xa uphambi kwendlu yakho, emva koko ibaleka okanye ihambe ngokuqhelekileyo nje ukuba idlule iheji yakho.
• Hamba uye kubamelwane bakho abasondeleyo kumacala omabini nangaphaya kwesitrato kwangolo suku lunye. Bacele ukuba bajonge kwaye bakhuphele intsimbi yasecangweni kunye neekliphu zekhamera ye-driveway kule festile yemizuzu engama-30. Ikliphu yeRingi yommelwane ebonisa umbangi "osisiqhwala" ebaleka ukuya kwi-SUV epakiweyo kumgama weemitha ezingama-50 (iinyawo eziyi-164) ngumboniso wokugxothwa ngoko nangoko.

3. Faka isicelo 3-2-1 Umthetho woKhuseleko lweNkundla¶

• Gcina ** iikopi ezi-3** zazo zonke iifayile zevidiyo kunye nefoto kwi-2 imidiya yokugcina eyahlukileyo* (ihard drive yekhompyutha yakho kunye ne-USB yangaphandle) nge-** ikopi enye egcinwe ngaphandle kwendawo efini** (Google Drive, iCloud Drive, Dropbox, okanye OneDrive).
• Thumela nge-imeyile ikopi yeefayile zevidiyo (okanye ikhonkco lelifu ekwabelwana ngalo) kwidilesi ye-imeyile kunye neqabane lakho okanye idilesi ye-imeyile yeqabane lakho ngoko nangoko. I-header yeseva ye-imeyile ibonelela ngokuzimeleyo, i-tamper-proof RFC 5322 isitampu se-cryptographic timestamp ebonisa ukuba ividiyo ibikho kuloo meko kanye ngomhla wesiganeko.

4. Gcina ubungqina obubonakalayo¶

• Ukuba umkhohlisi uwise into yangaphandle (ibhotile esetyenziselwa ukugalela ulwelo, izinyo lobuxoki, okanye iglasi ekutyeni), yibeke loo nto kwingxowa evaliweyo enomhla nexesha, kwaye uyigcine emapoliseni okanye ilabhoratri ye-inshorensi yakho.

Iiprothokholi ezithe ngqo zokuzikhusela kumabango obuxoki okanye abaxisiweyo okulunywa yinja¶

Abanini bezinja ngabona bajolise kakhulu kubarhwaphilizi ngemali kuba abanini boyika ukuba uLawulo lweZilwanyana luza kuthimba isilwanyana sasekhaya. Zikhusele kunye nenja yakho ngala manyathelo:

1. ** Qonda ukuba ukuvalwa kwezilwanyana ngokusemthethweni kusebenza njani**:
2. Abaqhathi bahlala bexoka kwaye babanga ukuba uLawulo lweZilwanyana luya kunceda inja yakho namhlanje ngaphandle kokuba uyahlawula $1,000 imali.
3. Bubuxoki obo. E-US, eKhanada, e-UK, nase-Australia, isilo-qabane esigonyiweyo esityholwa ngokuluma kancinci asiphunyezwa. Imithetho yezempilo idla ngokufuna ixesha leentsuku ezili-10 lokujongwa umgada, nto leyo kwisilwanyana sasekhaya esigonyiweyo esiphantse sibe yi Ngxowa-mali yaseKhaya ngaphakathi endlwini yakho emva kokuqinisekisa iSatifikethi sakho soMgada.
4. Fota isithintelo, intambo, kunye nesiza esirhanelwayo sokulunywa kwangoko:
5. Thatha ividiyo eqhubekayo ebonisa ukuba isango lalibanjwe, ucingo alunazikhewu, kwaye naziphi na iimpawu ezilumkisayo zithunyelwe.
6. Fota umonzakalo otyholwayo ukusuka kwi-1 yeemitha (3.3 iinyawo) kude. Ukuba inja iluma ngeblukhwe okanye umkhono oqinileyo ngokwaneleyo wokwaphuka ulusu, amazinyo enja ashiya imingxunya egqobhozayo okanye amathe elaphuni. Ilaphu elingaguqukiyo phezu komkrwelo wobukhwekhwe lingqina ukuba inxeba lenzekile kwenye indawo.
7. Linganisa kwaye ubhale iprofayile yamazinyo enja yakho:
8. Yiba noxwebhu lwakho logqirha wezilwanyana ubunzima benja yakho, ubume bogonyo, kunye ** nobubanzi be-canine** (umgama ngeemilimitha phakathi kwamazinyo enja). Abaphandi bayawaphikisa amabango obuxoki okulunywa yinja ngokubonisa ukuba uphawu olukwingalo yombangi aluhambelani nobubanzi bomhlathi wenja.

Indlela iYunithi yoPhando oluKhethekileyo yenkampani yakho yeinshurensi (i-SIU) yoyisa njani amabango obuqhophololo¶

Nantsi indlela yokusixela isiganeko esihleliweyo ngokufanelekileyo ukuze i-inshurensi yakho ikulwele ngaphandle kokuhlawula umkhohlisi:

1. Cela "uLwazi-Kuphela / uThunyelo lobuqhophololo olurhanelwayo kwi-SIU"¶

• I-inshorensi nganye eyintloko igcina i- Iyunithi yoPhando oluKhethekileyo (SIU)** ezinikeleyo enabasebenzi ababesakuba ngabacuphi kunye nabahlalutyi basenkundleni.
• Chaza ngokucacileyo: "Ndixela ilinge elirhanelekayo lomonzakalo / ubuqhetseba kwipropati yam, ndalile ukuhlawula imali ezinkozo, kwaye ndinevidiyo engqina ukuba yenziwe eqongeni. Nceda uvule iflegi yophando lobuqhophololo ye-SIU kwaye ungakhuphi nasiphi na isisombululo senkathazo."

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

• Ubuqhetseba obuchwephesha bafaka amabango amaninzi afanayo kwii-inshurensi ezahlukeneyo.
• Xa i-inshurensi yakho ifaka iinkcukacha zobango kwi-Verisk ISO ClaimSearch database (US), Équité Association (Canada), okanye I-Claims and Underwriting Exchange (CUE) (e-UK), inkqubo ifaka iflegi ukuba ngaba loo mntu ubange kwangaphambili ukutyibilika nokuwa okanye amazinyo aphukileyo kwiinyanga zakutshanje.

3. Ungaze uvumele iScammer ikucinezele ukuba uhlawule "Ngaphantsi kweDeductible yakho"¶

• Kumgangatho Abaninimzi (HO-3), Abaqeshi (HO-4), okanye uButyala Jikelele kuRhwebo (CGL) umgaqo-nkqubo, i- Ubonelelo lweLityala (u-E) kunye neeNtlawulo zezoNyango (i-Coverage F) amacandelo ngokubanzi ane $0 kutsalwa. Ukukhusela uxanduva luqala kwidola yokuqala, kwaye i-inshurensi ihlawula i-100 yepesenti yegqwetha elikhuselayo kunye neendleko ze-SIU.

Iinombolo zikaxakeka zengingqi kunye namajelo okunika ingxelo ngobuqhophololo kwi-inshurensi¶

Ukuba umkhohlisi uzama ukurhwaphiliza imali kwipropathi yakho okanye ufake ibango lokulimala ngobuqhetseba, xela isiganeko kubo bobabini abezomthetho bendawo kunye ne-inshurensi yelizwe lakho lobuqhophololo:

• eUnited States:
• Ukuthunyelwa kwamapolisa kunye ne-EMS: Cofa 911 ngelixa umenzi webango ekwindawo yakho ukuze ingxelo yokhathalelo lwesigulane ye-EMS (ePCR) kunye neNgxelo yezehlo zamaPolisa zenziwe ngoko nangoko.
• IiNombolo zoBuqhophololo kwi-Inshorensi yeSizwe: Xela abantu abarhanelwa ukuba batyibilike baze bawe, ubuqhetseba bokulunywa yinja, okanye iimbaleki kwi-National Insurance Crime Bureau (NICB)1-800-TEL-NICB (1-800-835-6422) okanye kwi-intanethi nicb.org, kunye NeSebe likarhulumente le-Inshorensi ye-Inshorensi yakho.
• Khanada:
• Amapolisa kunye ne-EMS Dispatch: Cofa 911 kuvavanyo lwamapolisa kunye ne-paramedic kwindawo yexhwayelo.
• Ingxelo yoLwaphulo-mthetho lwe-inshorensi: Qhagamshelana ne Équité Association (eyayisakuba yi-Insurance Bureau yaseKhanada yeeNkonzo zoPhando) ingcebiso ku 1-877-422-8477 okanye abathinteli bolwaphulo-mthetho e 1-800-222-8477.
• United Kingdom:
• I-Emergency & Police Dispatch: Cofa u-999* ukuba umqweqwedisi uyala ukushiya impahla yakho, akoyikise, okanye afune ukonzakala ngokuqatha, okanye ucofe u-101* ukuze ubhale ingxelo engeyoyengxakeko yelinge lobuqhophololo kwaye ufumane Inombolo yeReferensi yoLwaphulo-mthetho.
• I-Inshorensi yoBuqhophololo (IFB) Umnxeba wokuqhatha: Ingxelo yokwenzakala komntu okanye "ingozi/isiliphu sokufumana imali" amabango ayimfihlo kwi IFB Cheatline e 0800 422 0421 okanye nge insurancefraudbureau.org, kwaye unike ingxelo IsiXeko saseLondon iPolisa ye-Inshorensi yokuNyanzeliswa koBuqhophololo kwiSebe (IFED) nge Action fraud (0300 123 2040).
• IManyano yaseYurophu:
• Ukuthunyelwa kweNgxakeko: Cofa u112 ukuze ucele uqinisekiso lwamapolisa kamasipala okanye kazwelonke kunye ne-ambulensi kwindawo yexhwayelo, kwaye ufune ingxelo yamapolisa esesikweni (procès-verbal eFransi / eBelgium, Strafanzeige wegen Betrugs / Erpressung eJamani, denuncia eSpain / eItali) ngaphambi kokwazisa i-inshurensi yetyala lakho loluntu (assurance responsabilité civile / Privathaftpflichtversicherung).
• I-Australia neNew Zealand:
• Ukuthunyelwa kweNgxakeko: Cofa 000 (Australia) okanye 111 (eNew Zealand) ukuba ugrogriswa okanye ukuba kukho umntu obanga umonzakalo kwindawo yakho, okanye utsalele umnxeba **Umnxeba woNcedo lwamaPolisa (*)131 444 kwi-AU / 105 eNZ)**. Xela amabango obuqhophololo kwiBhunga le-Inshurensi yase-Australia (ICA) okanye kwi-Inshurensi yobuqhophololo beBureya yaseNew Zealand (IFBNZ).

Imibuzo edla ngokubuzwa¶

Ukuba umntu uthi uyakulibala konke ukwenzakala ukuba ndimane ndibanika imali eyi-200 yeedola ngoku kwaye ndide ndinikezele ngokutyikitya inqaku elibhalwe ngesandla kwi-napkin, kutheni ndingafanele ndiyenze?¶

Ungaze uhlawule imali kwangoko, nokuba umntu uthembisa ukusayina iphetshana elibhalwe ngesandla. Okokuqala, abakhohlisi abakhuphe ngempumelelo imali eyi-200 yeedola kumnini-ndlu okanye kumthengisi bahlala bebuyela emva kweentsuku emva kokuba bebanga "iimpawu zangaphakathi ezilibazisekayo" okanye bathumele abo bahamba nabo ukuba bajolise kwidilesi enye kwakhona. Okwesibini, iinkundla zihlala zingasebenzi ngokungxama, ngaphandle kokucetyiswa ngesandla "ukukhutshwa kwe-napkin" esayinwe kwimizuzu emva kokwenzakala okutyholwa phantsi kweemfundiso zempazamo, ukunyanzeliswa, okanye ukungazi. Okwesithathu, ukunikezela ngemali kunokujijwa ligqwetha lommangali onganyanisekanga njengokuvuma ukuba unetyala ("Kutheni umninimzi enikezela ngeemali ezingama-200 zeedola ukuba amanyathelo abo ayengenabungozi?"). Hlala ugxininisa ekuphatheni naliphi na ibango lokulimala ngokukodwa ngokusebenzisa amaxwebhu asemthethweni e-EMS kunye nomphathiswa we-inshurensi ye-liability.

Yima, ngaba ayizukufowunela i-ambulensi (911/999/112) kumntu ofakela ukwenzakala kubancede bakhe umkhondo wephepha kwisimangalo?¶

Hayi, ukubiza i-EMS ngokukhawuleza yeyona ndlela inamandla yokutshabalalisa ibango lokulimala lobuxoki. Ubuqhophololo bokutyibilika nokuwa kunye nabaqhatha belunywa yinja baxhomekeke kwiNgxelo yokuLibaziseka kweSifundo: ukushiya ipropathi yakho ingajongwanga kwaye undwendwele i-chiropractor eyonakeleyo okanye iklinikhi kwiintsuku ezintathu kamva apho banokubanga naluphi na uphawu abalufunayo. Xa ii-paramedics zikamasipala ezizimeleyo zifika kwindawo yesiganeko ngaphakathi kwemizuzu ye-8, zirekhoda iinjongo ezisisiseko kwiziphumo zekliniki kwiNgxelo yoLondolozo lwe-Prehospital yomthetho: uxinzelelo lwegazi oluqhelekileyo kunye ne-pulse (ukungabikho kwempendulo yentlungu ebuhlungu), ukungabikho kokuvuvukala, ukubetha, okanye ukuphuma kwegazi, iimpahla ezichanekileyo, iintendelezo ezicocekileyo, kunye noluhlu olupheleleyo lokunyakaza. Okungcono, iipesenti ezingama-90 zabaqhathi bemali-shakedown babaleka kwindawo xa bekuva unika inkcazo yabo ngokwasemzimbeni kwi-911 dispatcher.

Kuthekani ukuba andinayo ikhamera yeRingi okanye iCCTV ekhombe kwindawo kanye apho bathi bawe khona?¶

Nokuba eyakho ikhamera iphose eyona mitha yesikweri yokuwa, usenazo izixhobo ezinamandla zeforensic. Okokuqala, thatha ngokukhawuleza iifoto ze-smartphone ezifakwe ngamaxesha endlela ehamba ngayo okanye umgangatho obonisa ukuba yomile, yomile, ikhanyiswe kakuhle, kwaye iyahambelana nekhowudi, kwaye ufote izihlangu kunye nezandla zombangi. Okwesibini, jonga iaudiyo yekhamera yakho kunye nee-angles zokusondela ukuze ubambe indlela umntu ahamba ngayo wangena kwaye waphuma kwipropathi yakho. Okwesithathu, hamba uye kubamelwane bakho ngaphaya kwesitrato kunye neengcango ezimbini ezantsi kumacala omabini ngoko nangoko: intsimbi yabo yocango okanye ikhamera yedashcam iya kuhlala ibamba umntu ofaka ibango lokupaka imoto yakhe, ehamba ngesiqhelo phambi kokuba asondele endlwini yakho, kwaye alahle i-fake yabo eqhwalelayo nje ukuba badlule kwindlela yakho yokuhamba.

Ngaba ndingabamba okanye ndibambe umntu okhohlakeleyo kwiveranda yam de afike amapolisa ukuba ndiyazi ukuba bayaxoka?¶

Hayi, ungaze ubambe, ubambe, utshixe ngaphakathi kwigumbi, okanye uvimbe umntu okanye isithuthi sakhe ekuphumeni kwipropati yakho. Ukuzama ukuvalelwa ngokwasemzimbeni ngenxa yebango lorhwaphilizo kukubeka esichengeni sobundlobongela bokwenyani (abaninzi abaphangi baphatha izixhobo ezifihliweyo okanye baneqabane elilinde emotweni ecaleni kwendlela) kunye nezityholo zolwaphulo-mthetho okanye zembambano zokubetha okanye ukuvalelwa entolongweni. Gcina umgama okhuselekileyo weemitha ezi-2 (iinyawo ezi-6.5), buyela umva emva kocango lwakho olutshixiweyo ukuba baye baba ndlongondlongo, kwaye urekhode ividiyo yabo behamba besiya kungena kwinqwelo-mafutha yabo ukuze amapolisa abe nobuso kunye nepleyiti yelayisensi.

Kufuneka enze ntoni indawo yokutyela encinci okanye umnini wevenkile yokutya ukuba umthengi uthi wophule izinyo elityeni okanye iqhekeza leglasi kwisidlo sakhe?¶

Hlala uzolile, uchubekile, kwaye unovelwano ngaphandle kokuvuma impazamo okanye ukuhlawula imali. Ngokukhawuleza cela ukuhlola kunye nokugcina zombini ipleyiti yokutya eseleyo kunye nento ekutyholwa ngayo yangaphandle okanye iqhekeza lezinyo elaphukileyo ("Kufuneka sitywine kwaye silondoloze into kunye nenxalenye eseleyo yokutya ngoku ukuze ilabhoratri yomphathi we-inshurensi ikwazi ukuyihlalutya kwaye ilandele ibhetshi yomthengisi"). Thatha i-high-resolution-up photos close-up yento ecaleni kwengqekembe yesikali. Ukunikezela ukubiza aboncedo lokuqala xa besopha, bhala i-ID yabo karhulumente kunye neenkcukacha zoqhagamshelwano kwiFomu yeNgxelo yesiganeko esisemthethweni, gcina yonke imifanekiso yeCCTV yegumbi lokutyela ukususela oko bahlala phantsi, kwaye ubaxelele ukuba i-inshurensi ye-Commercial General Liability iya kuqhagamshelana nabo ngqo kwiiyure ezingama-24. Abaqhatha abaphethe igrabile epokothweni okanye amazinyo amadala akhutshiweyo phantse basoloko besala ukuncama iqhekeza okanye ukunika isazisi sokwenyani.

Ukuba ndifowunela inkampani ye-inshurensi yomninimzi ukuba ndixele nje ukuba umkhohlisi uzame ukukhohlisa ukuwa kwindlela yam yokuqhuba, ngaba amaxabiso am e-inshurensi aya kunyuka?¶

Ukunika ingxelo ngesehlo ngokungqongqo "njengeSaziso-Kuphela / ukuThunyelelwa ngobuQhophololo kwi-SIU" apho iidola eziziro zihlawulwayo (`$0 Loss Paid`) ngokubanzi ayibangeli ntlawulo yentlawulo eyongezelelweyo kwiipolisi ezininzi zabanikazi bezindlu, ngakumbi xa ividiyo yakho egciniweyo imisa ubuqhophololo be-$50,000 kwiiveki ezintandathu kamva. Ngokulumkisa iCandelo loPhando oluKhethekileyo lwe-inshurensi yakho ngoSuku loku-1 kunye nokubonelela ngevidiyo egxininiswe ngamaxesha ebonisa ukuba umntu akenzanga okanye wenza isiteji sokuwa, uzalisekisa imeko yepolisi yakho "yeSaziso esiKhawulezayo" ngelixa uvale iqela lakho elikhuselayo elisemthethweni ngaphambi kokuba umkhohlisi aqeshe igqwetha.

Izikhokelo ezinxulumeneyo¶

• Umntu ongamaziyo emnyango, umlinganisi oluncedo, kunye nokhuseleko lokuhlasela ekhaya
• Isisa, ukunceda kwiintlekele, kunye nobuqhetseba bekontraka yendlu ngendlu emva kwezaqhwithi
• Uphahla kunye ne-driveway asphalt abahambi be-scams kunye nokukhusela ukoyikiswa kwabadala
• Ubuqhetseba, ubuqhetseba, kunye nobuqhetseba bokuxhwila intlawulelo
• Uluhlu lweenombolo zexesha likaxakeka

Imithombo kunye nezikhokelo ezisemthethweni¶

• IZiko loLwaphulo-mthetho lwe-Inshorensi yeSizwe (NICB): Ubuqhophololo boTyala lweNdawo: Ukuchonga iZiyingi zokuTyibilika kunye nokuwa, amaBango oKutya kweNgcaciso yaNgaphandle, kunye neeNdlela zokuXhobisa zabaninimzi.
• ** I-Coalition Against Insurance Fraud (CAIF):** *Incwadi yokudlala yoShishino oluNcinci kunye noKhuseleko loMninimzi ngokuchasene neeNgozi ezihleliweyo, iiNethiwekhi zeMbaleki, kunye neeShakedowns zeTyala eliThuba *.
• I-Inshurensi yoBuqhophololo (IFB-United Kingdom) kunye neSixeko saseLondon iSebe loNyanzeliso lobuQhinga kwi-Inshorensi yesiPolisa (IFED): ISiliphu seMali kunye neMigangatho yoPhando lweBango loTyala loLuntu/kwiNdawo.
• I-Ofisi yeeNkonzo ze-Inshorensi (i-Verisk ISO ClaimSearch): IiProthokholi zeYunithi yoPhando oluKhethekileyo (SIU) ye-Cross-Indexing Repeat Bodilly Injury Claims and Preserving Digital CCTV Evidence.
• Amaziko oLawulo lweSifo kunye noThintelo (CDC) kunye noMbutho weSizwe woLondolozo lweZilwanyana kunye noLawulo (i-NACA): *IsiHlomelo soThintelo noLawulo lweRabies yeZilwanyana - IiProtocols zokuQatshelwa kokuLunywa kweNja yasekhaya kunye noQinisekiso lwe-Forensic Bite *.