Kuzindikira ndi Kupewa Chinyengo cha Inshuwaransi Yamagalimoto mu 2023 Mothandizidwa ndi Dash Cam

Kuchuluka Kwamwayi kwa Ma Scam a Inshuwalansi Yamagalimoto: Kukhudzika Kwawo pa Malipiro a Inshuwaransi ku States monga Florida ndi New York.Kukula kokulirapo kwa nkhaniyi kumaika mtolo woyerekeza wa $40 biliyoni pachaka pamakampani a inshuwaransi, zomwe zimachititsa banja lachibadwidwe la United States kukhala ndi ndalama zowonjezera $700 pachaka chifukwa cha kukwera kwa mitengo ya inshuwaransi ndi ndalama zolipirira.Pamene achiwembu akusintha mosalekeza ndikupanga njira zatsopano zodyera madalaivala, ndikofunikira kwambiri kukhala odziwa zambiri zazomwe zikuchitika posachedwa.Munkhaniyi, tikufufuza zachinyengo za inshuwaransi zamagalimoto zomwe zimapezeka kwambiri mu 2023 ndikuwunika momwe kuyika dashcam mgalimoto yanu kumagwirira ntchito ngati yankho lodalirika popewa kuchita zachinyengo izi.

Chinyengo #1: Ngozi zapasiteji

Momwe chinyengocho chimagwirira ntchito:Chinyengochi chimaphatikizapo kuchita mwadala anthu achinyengo kuti akonze ngozi, kuwalola kunena zabodza za kuvulala kapena kuwonongeka.Ngozi zochitika m'sitejizi zingaphatikizepo njira monga mabuleki modzidzimutsa (omwe amatchedwa 'panic stops') ndi 'wave-and-hit' maneuver.Malinga ndi malipoti a National Insurance Crime Bureau, ngozi zomwe zimachitika kawirikawiri zimachitika pafupipafupi m'matauni.Amayang'aniridwa makamaka kumadera olemera kwambiri ndipo nthawi zambiri amaphatikiza magalimoto atsopano, obwereketsa, ndi amalonda, komwe kuli malingaliro a inshuwaransi yokwanira.

Momwe mungakhalire otetezeka: Njira yabwino kwambiri yodzitetezera ku ngozi zapamsewu ndi kukhazikitsa dash cam.Sankhani dash cam yokhala ndi Full HD resolution kapena apamwamba, odzitamandira ndi mawonekedwe ambiri, kuti muwonetsetse kuti zithunzi za dash cam zajambulidwa momveka bwino.Ngakhale kamera yakutsogolo imodzi ikhoza kukhala yopindulitsa, makamera angapo amapereka chithunzi chokulirapo.Chifukwa chake, makina apawiri amaposa kukhazikitsidwa kwa kamera imodzi.Kuti mumve zambiri komanso zatsatanetsatane, lingalirani makina atatu monga Aoedi AD890.Dongosololi limaphatikizapo kamera yamkati yokhala ndi kuthekera kozungulira, kuipangitsa kuti izitha kujambula zochitika ndi zochitika kumbali ya dalaivala.Chifukwa chake, ngakhale mutakhala kuti dalaivala wina amakufikirani kapena pawindo la dalaivala ali ndi zolinga kapena mawu audani, Aoedi AD890 ili ndi nsana wanu.

Chinyengo #2: Wokwera wodumphira

Momwe chinyengocho chimagwirira ntchito:Chinyengo chachinyengochi chimakhudza munthu wosaona mtima yemwe amalowa mgalimoto ya dalaivala wina yemwe anachita ngozi.Amanamizira kuvulala, ngakhale kuti panalibe mgalimoto panthawi ya ngoziyo.

Momwe mungakhalire otetezeka: Pamene palibe apolisi kapena mboni alipo, mungakhale mumkhalidwe wa 'anati,'.Zikatero, m'pofunika kusonkhanitsa mfundo zolondola pamalo angozi.Gwiritsani ntchito foni yamakono yanu kujambula zithunzi.Ngati n'kotheka, sonkhanitsani mayina ndi manambala a anthu onse amene akhudzidwa, kuphatikizapo amene anaona ngoziyo itachitika.Mungathenso kuganizira zokafikira apolisi ndikupempha kuti apereke lipoti lovomerezeka.Lipotili, limodzi ndi nambala yake yapadera yamafayilo, lingakhale lofunika kwambiri pamlandu wanu.Kuphatikiza apo, ndikofunikira kuti mufufuze pafupi ndi makamera achitetezo omwe akanatha kujambula ngoziyo m'njira zina.

Chinyengo #3: Galimoto yokokera achifwamba

Momwe chinyengocho chimagwirira ntchito Oyendetsa galimoto zokokera nthawi zambiri amabisala, okonzeka kudyera masuku pamutu madalaivala amene achita ngozi.Amapereka mwayi wokokera galimoto yanu koma amakupatsirani ndalama zambiri.Pambuyo pa ngoziyo, pamene mungagwedezeke ndi kusokonezeka, mungalole mosadziwa kuti galimoto yanu ikokeredwe kupita kumalo okonzera kumene woyendetsa galimotoyo akuyamikira.Osadziwika kwa inu, malo okonzera amalipira woyendetsa galimotoyo pobweretsa galimoto yanu.Pambuyo pake, malo okonzerako amatha kutengerapo ndalama zambiri pazantchito kapenanso kupanga kukonza koyenera, ndikumakweza mtengo womwe inu ndi omwe akukupatsani inshuwaransi.

Momwe mungakhalire otetezeka:Ngati muli ndi Aoedi AD360 dash cam, ndichinthu chanzeru kulondolera lens ya dash cam yanu kwa dalaivala wamagalimoto okokera, kuwonetsetsa kuti mujambula umboni wa kanema wazokambirana zilizonse zomwe zingachitike.Ndipo kumbukirani kuti musachepetse dash cam yanu chifukwa chakuti galimoto yanu yapakidwa bwino pagalimoto yokokera.Sungani dash cam kujambula, chifukwa imatha kulemba zochitika kapena zochitika zilizonse zomwe zingachitike ndi galimoto yanu mukamasiyana nayo, ndikukupatsirani makanema ofunikira.

Chinyengo #4: Kuvulala mokokomeza ndi kuwonongeka

Momwe chinyengocho chimagwirira ntchito: Chiwembu chachinyengo chimenechi chimakhudza kukokomeza kwa kuwonongeka kwa galimoto pambuyo pa ngozi, ndi cholinga chopeza ndalama zambiri kuchokera ku kampani ya inshuwalansi.Olakwira angapangitsenso kuvulala komwe sikumawonekere mwamsanga, monga chikwapu kapena kuvulala kobisika mkati.

Momwe mungakhalire otetezeka: Mwachisoni, kusamala kuti tisavulale chifukwa chovulazidwa kungakhale ntchito yovuta.Komabe, mutha kusonkhanitsabe zambiri zomwe zidachitika ngoziyo ndikugwiritsa ntchito foni yanu kujambula zithunzi.Ngati pali zodetsa nkhawa kuti winayo wavulala, ndi bwino kuika chitetezo patsogolo ndikuyimbira apolisi kuti athandizidwe mwamsanga.

Chinyengo #5: Kukonza magalimoto mwachinyengo

Momwe chinyengocho chimagwirira ntchito:Chiwembu chachinyengochi chikukhudza mashopu okonza kukweza ndalama zokonzera zomwe zingakhale zosafunikira kapena zabodza.Makaniko ena osakhulupirika amapezerapo mwayi kwa anthu omwe sadziwa zambiri za momwe galimoto imagwirira ntchito.Kulipiritsa mochulukira pakukonza kumachitika m'njira zosiyanasiyana, kuphatikiza kugwiritsa ntchito zida zomwe zidali kale kapena zabodza m'malo mwa zatsopano, komanso njira zachinyengo zolipirira.Nthawi zina, mashopu okonza amatha kulipira makampani a inshuwaransi pazigawo zatsopano pomwe akuyika zomwe zagwiritsidwa kale ntchito, kapena angalipire ndalama zomwe sizinachitikepo.Chitsanzo chimodzi chodziwika bwino chachinyengo cha inshuwaransi yokonza magalimoto ndi chinyengo cha kukonza ma airbag.

Momwe mungakhalire otetezeka:

Njira yabwino kwambiri yopewera chinyengo ichi ndikusankha malo okonzekera bwino.Funsani maumboni, ndipo mukamaliza kukonza, onetsetsani kuti mwayang'ana bwino galimoto yanu mukayinyamula.

Kodi pali gulu lililonse la madalaivala omwe amayang'aniridwa pafupipafupi pazachinyengo za inshuwaransi yamagalimoto?

Chinyengo cha inshuwaransi yamagalimoto zimatha kukhudza anthu osiyanasiyana, koma kuchuluka kwa anthu kumatha kukhala pachiwopsezo chachikulu chifukwa chodziwa zochepa kapena kudziwa zambiri ndi inshuwaransi.Mwa magulu omwe ali pachiwopsezo kwambiri ndi awa:

1. Okalamba: Achikulire atha kukumana ndi chiwopsezo chachikulu chogwidwa ndi miseche, makamaka chifukwa sakudziwa bwino zaukadaulo wamakono kapena atha kuwonetsa kudalira kwakukulu kwa anthu omwe amapereka ukatswiri kapena ukatswiri.
2. Osamukira kudziko lina: Osamukira kudziko lina akhoza kukumana ndi chiwopsezo chokulirapo cha kumenyedwa, nthawi zambiri chifukwa chosadziwa za inshuwaransi m'dziko lawo latsopano.Kuonjezera apo, akhoza kudalira kwambiri anthu omwe ali ndi chikhalidwe chawo kapena chikhalidwe chawo.
3. Madalaivala Atsopano: Madalaivala osadziŵa zambiri angakhale opanda chidziŵitso chodziŵira chinyengo cha inshuwaransi, makamaka chifukwa chakuti iwo sadziŵa zambiri ku dongosolo la inshuwalansi.

Ndikofunika kutsindika kuti chinyengo cha inshuwalansi ya galimoto chingakhudze aliyense, mosasamala kanthu za msinkhu wake, ndalama zake, kapena luso lake.Kukhala wodziwa bwino komanso kuchitapo kanthu kuti udziteteze ndi njira yabwino kwambiri yodzitetezera kuti asagweredwe ndi chinyengo chotere.

Kodi mumanena bwanji zachinyengo za inshuwaransi yagalimoto?

Ngati mukuganiza kuti munachita chinyengo cha inshuwalansi ya galimoto, kuchita zotsatirazi n'kofunika kwambiri:

1. Lumikizanani ndi kampani yanu ya inshuwaransi: Ngati muli ndi nkhawa zokhudzana ndi chinyengo cha inshuwaransi, chochita chanu choyamba chiyenera kukhala kulumikizana ndi omwe akukupatsani inshuwaransi.Adzapereka chitsogozo cha momwe anganenere zachinyengo ndi kulangiza zochita mtsogolo.
2. Nenani zachinyengo ku National Insurance Crime Bureau (NICB): NICB, bungwe lopanda phindu lomwe ladzipereka kuvumbulutsa ndi kupewa chinyengo cha inshuwaransi, ndi chida chamtengo wapatali.Mutha kunena zachinyengo cha inshuwaransi yagalimoto ku NICB kudzera pa hotline yawo pa 1-800-TEL-NICB (1-800-835-6422) kapena pochezera tsamba lawo pawww.nicb.org.
3. Dziwitsani dipatimenti ya inshuwaransi ya dziko lanu: Dziko lililonse limakhala ndi dipatimenti ya inshuwaransi yomwe imayang'anira makampani a inshuwaransi ndikufufuza zachinyengo cha inshuwaransi.Mukhoza kupeza mauthenga a dipatimenti ya inshuwalansi ya boma lanu poyendera webusaiti ya National Association of Insurance Commissioners (NAIC) pawww.naic.org.

Kufotokozera zachinyengo za inshuwalansi ya galimoto kwa akuluakulu oyenerera n'kofunika osati kuti muteteze nokha komanso kuti muteteze ena kuti asagwere m'manja mwachinyengo.Lipoti lanu lingathandize kubweretsa omwe ali ndi udindo pa chilungamo ndikukhala ngati cholepheretsa chinyengo chamtsogolo.

Kodi dash cam ingathandize kuthana ndi chinyengo cha inshuwaransi yagalimoto?

Inde, n’zothekadi!

Kugwiritsa ntchito dash cam kumatha kukhala chitetezo champhamvu pazachinyengo izi, chifukwa zimapereka umboni wosakondera wa zomwe zikuchitika.Makanema ojambulidwa ndi dash cam amatha kutsutsa zonena zopanda pake ndikupereka umboni wokwanira wamakanema kuti atsimikizire mlandu wanu.Makamera a Dash amajambula mawonedwe kuchokera kutsogolo, kumbuyo, kapena mkati mwa galimoto, zomwe zimathandiza kudziwa mfundo zazikuluzikulu monga kuthamanga kwa galimoto, zochita za oyendetsa, ndi misewu ndi nyengo zomwe zikuchitika panthawi ya ngozi.Mfundo zazikuluzikuluzi zimagwira ntchito yofunika kwambiri polepheretsa chinyengo cha inshuwalansi ya galimoto komanso kukutetezani kuti musagwere m'njira zoterezi.

Kodi muyenera kuuza inshuwaransi yanu kuti muli ndi dash cam?

Ngakhale sikuli kokakamizika kudziwitsa kampani yanu ya inshuwaransi za dash cam, ndikwanzeru kukaonana nawo kuti mutsimikizire ngati ali ndi malangizo enaake kapena ngati zithunzi zomwe zidajambulidwa zitha kukhala zothandiza pakuyankha mlandu.

Ngati mungaganize zogwiritsa ntchito dash cam ndikuchita ngozi, mutha kupeza kuti zomwe zajambulidwa zikuthandizirani kuthetsa zomwe akunenazo ndikukhazikitsa zolakwika.Zikatero, mutha kusankha kugawana nawo chithunzicho ndi wothandizira inshuwalansi kuti aganizire.