Kuziva uye Kudzivirira Mota Inishuwarenzi Scams muna 2023 nerubatsiro rweDash Cam.

Zvinosuwisa Kuwanda kweAuto Inishuwarenzi Scams: Kukanganisa Kwavo paInishuwarenzi Premiums muAmerica seFlorida neNew York.Kukura kukuru kwenyaya iyi kunoisa mutoro wepagore unofungidzirwa kuva mabhiriyoni makumi mana emadhora paindasitiri yeinishuwarenzi, zvichiita kuti paavhareji mhuri yeUnited States itakure imwezve $700 mundyiko dzegore negore nemhaka yokukwidziridzwa kwemitengo yeinishuwarenzi nemiripo.Sezvo matsotsi anoramba achishanduka nekugadzira hurongwa hutsva hwekubira vatyairi, zvakakosha kuti urambe uchiziva nezvezvichangoburwa.Muchirevo chechinyorwa chino, tinoongorora mamwe ehutsotsi hweinishuwarenzi hwemotokari hwa2023 uye tinoongorora kuti kuiswa kwedashcam mumotokari yako kunoshanda sei semhinduro yakavimbika kudzivirira kuwira muzviitiko zvehutsotsi.

Scam #1: Njodzi dzepadanho

Iyo chitsotsi inoshanda sei:Chitsotsi ichi chinosanganisira kuita nemaune nevanobiridzira kuronga tsaona, zvichivabvumira kuti vataure nhema dzekukuvara kana kukuvadzwa.Idzi tsaona dzepadanho dzinogona kusanganisira nzira dzakaita sekukurumidza kuomesa mabhureki (kunowanzonzi 'panic stops') uye 'wave-and-hit' maneuver.Sezvakataurwa neNational Insurance Crime Bureau, tsaona dzakarongwa dzinowanzoitika kakawanda mumaguta.Izvo zvinonyanya kutungamirwa kune dzakapfuma nharaunda uye kazhinji dzinosanganisira nyowani, dzekurenda, uye dzekutengesa mota, uko kune fungidziro yekuwedzera yakazara inishuwarenzi yekuvhara.

Kuti ugare wakachengeteka: Nzira inoshanda kwazvo yekuzvidzivirira panjodzi dzemotokari ndeyekuisa dash cam.Sarudza dash cam ine Full HD resolution kana yepamusoro, ichizvikudza yakafara nzvimbo yekuona, kuve nechokwadi kujeka uye kwakazara kutorwa kwedash cam footage.Nepo imwe-yakatarisana-yakatarisana kamera inogona kubatsira, akawanda makamera anopa kunyange yakakura kufukidzwa.Naizvozvo, mbiri-chaneli system inodarika imwe-kamera setup.Kuti uwane kufukidzwa kwakakwana uye kwakaringana, funga nezve 3-channel system senge Aoedi AD890.Iyi sisitimu inosanganisira kamera yemukati ine swiveling masimba, ichiigonesa kutora zviitiko uye kupindirana kudivi remutyairi.Saka, kunyangwe mumamiriro ezvinhu apo mumwe mutyairi anosvika kwauri kana hwindo rekudivi remutyairi aine vavariro dzakaipa kana zvirevo, iyo Aoedi AD890 ine musana wako.

Scam #2: Svetukira-mukati mutyairi

Iyo chitsotsi inoshanda sei:Uhu hunyengeri hunosanganisira mutyairi asina kuvimbika anopinda mumotokari yemumwe mutyairi aita tsaona.Vanotaura zvemanyepo kuti vakuvara, kunyangwe vasipo mumotokari panguva yetsaona.

Kuti ugare wakachengeteka: Kana pasina mapurisa kana zvapupu zviripo, unogona kuzviwana uri mumamiriro ezvinhu 'akati, akadaro'.Mumamiriro ezvinhu akadaro, zvakakosha kuunganidza ruzivo rwechokwadi panzvimbo yetsaona.Shandisa smartphone yako kutora mafoto.Kana zvichiita, tora mazita nenhare dzevose vane chekuita netsaona yacho, kusanganisira vakazviona panzvimbo yakaitika tsaona.Iwe unogona zvakare kufunga nezvekusvika kumapurisa uye kukumbira kuiswa kwechinyorwa chepamutemo.Chirevo ichi, pamwe chete nenhamba yefaira yakasarudzika, inogona kuve yakakosha kune yako nyaya.Pamusoro pezvo, zvinokurudzirwa kuti utsvage nzvimbo iri pedyo nemakamera ekuchengetedza ayo angadai akabata tsaona kubva kune mamwe makona.

Scam #3: Bandit tow rori

Iyo chitsotsi inoshanda sei vatyairi vemarori anodhonzwa vanowanzovanda, vakagadzirira kushandisa vatyairi vanenge vaita tsaona.Vanowedzera zvipo zvekukweva motokari yako asi vozokupa mari yakawandisa.Pashure petsaona, apo ungazununguswa uye kuvhiringidzika, usingazivi ungabvuma kuti motokari yako idhonzerwe kunzvimbo yokugadziridza inorumbidzwa nomutyairi werori.Hauzivikanwi kwauri, chitoro chekugadzirisa chinotsiva mutyairi werori yekuunza mota yako.Mushure mezvo, chitoro chekugadzirisa chinogona kuita zvekuchaja zvakanyanya kumasevhisi uye kutogadzira gadziriso inodiwa, pakupedzisira ichikwidza mutengo wakakonzerwa newe iwe nemupi weinishuwarenzi wako.

Kuti ugare wakachengeteka:Kana iwe uri muridzi weAoedi AD360 dash cam, idanho rakangwara kutungamira lens yedash cam yako kumutyairi werori, kuve nechokwadi chekuti watora humbowo hwevhidhiyo pane chero hurukuro dzinoitika.Uye yeuka kuti usadzikise dash cam yako nekuda kwekuti mota yako yakatakurwa zvakachengeteka parori yekudhonza.Chengetedza dash cam kurekodha, sezvo inogona kunyora chero zviitiko kana zviitiko zvingaitika nemota yako iwe wakaparadzaniswa nayo, ichikupa yakakosha vhidhiyo.

Scam #4: Kukuvara kwakanyanya uye kukuvara

Iyo chitsotsi inoshanda sei: Chirongwa chehutsotsi ichi chine chekuita nekuwedzeredza kwekukuvadzwa kwemotokari mushure metsaona, nechinangwa chekuwana mari yakawanda kubva kukambani yeinishuwarenzi.Vapari vemhosva vanogonawo kugadzira kukuvara kusingakurumidzi kuoneka, senge whiplash kana kukuvara kwemukati kwakavanzika.

Kuti ugare wakachengeteka: Zvinosiririsa kuti kudzivirira kukuvara kwakakura kunogona kuve basa rakaoma.Zvakadaro, iwe unogona kuunganidza ruzivo rwakakwana panzvimbo yetsaona uye shandisa foni yako kutora mifananidzo.Kana paine zviri kutyira kuti mumwe munhu akuvara, zvinokurudzirwa kukoshesa kuchengetedza uye kufonera mapurisa kuti vabatsirwe nekukurumidza.

Scam #5: Kugadziriswa kwemotokari kwechitsotsi

Iyo chitsotsi inoshanda sei:Chirongwa chehunyengeri ichi chakanangana nekugadziridza zvitoro kuchikwidza mitengo yekugadziridza izvo zvingave zvisina basa kana manyepo.Vamwe vanamakanika vasina hunhu vanotora mukana kune vanhu vasina ruzivo rwakanyanya nezvekushanda kwemukati memotokari.Kubhadharisa pakugadzirisa kunoitika nenzira dzakasiyana-siyana, kusanganisira kushandiswa kwezvikamu zvakagara zviripo kana zvemanyepo panzvimbo pezvitsva, pamwe nemaitiro ehutsotsi ekubhadharisa.Mune zvimwe zviitiko, zvitoro zvinogadziridza zvinogona kubhadharisa makambani einishuwarenzi pazvikamu zvitsva pavanenge vachiisa zvakamboshandiswa, kana kuti vanogona kuita invoice yebasa risina kumboitwa.Imwe yemhando yepamusoro yehutsotsi hwekugadzira inishuwarenzi yemotokari ndeye hutsotsi hwekugadzirisa airbag.

Kuti ugare wakachengeteka:

Nzira inonyanya kushanda yekubvisa chitsotsi ichi kusarudza nzvimbo inoremekedzwa inogadzirisa.Kumbira mareferensi, uye kana wapedza kugadzirisa, ita shuwa kuti wanyatsoongorora mota yako paunenge uchiisimudza.

Pane here boka revatyairi vanonangidzirwa kakawanda nekuda kwehutsotsi hweinishuwarenzi yemotokari?

Inishuwarenzi yemotokari scams inogona kukanganisa vanhu vakasiyana-siyana, asi huwandu hwevanhu hunogona kunge huri panjodzi huru nekuda kweruzivo rwavo rushoma kana ruzivo neinishuwarenzi system.Pakati pemapoka aya anotambura ndeaya:

1. Vanhu vakura: Vakuru vanogona kutarisana nenjodzi yakawedzera yekuwira muhutsotsi, zvakanyanya nekuti vangave vasina ruzivo rwakanyanya mune zvemazuva ano tekinoroji kana vanogona kuratidza mwero wepamusoro wekuvimba muvanhu vanotaura hunyanzvi kana hunyanzvi.
2. Vatorwa: Vanobva kune dzimwe nyika vanogona kutarisana nenjodzi yakakura yekunangwa, kazhinji ichibva mukusajairana nehurongwa hweinishuwarenzi munyika yavo itsva.Pamusoro pezvo, vanogona kuvimba zvakanyanya nevanhu vanogovana tsika yavo kana nharaunda.
3. Vatyairi vatsva: Vatyairi vasina ruzivo rwokuzviwanira vangashaya ruzivo rwokuziva hutsotsi hweinishuwarenzi, zvikurukuru nemhaka yokuti havazivikanwi kugadziriro yeinishuwarenzi.

Zvakakosha kusimbisa kuti scams yemotokari yemotokari inogona kukanganisa chero munhu, pasinei nezera ravo, mari, kana ruzivo rwechiitiko.Kugara uine ruzivo rwakakwana uye kutora matanho ekuzvidzivirira kunoramba iri nzira yakanakisa yekuzvidzivirira kubva pakuwirwa nenjodzi dzakadaro.

Unoshuma sei kubiridzirwa kweinishuwarenzi yemotokari?

Kana iwe uchifungidzira kuti wakabatwa nekubiridzirwa kweinishuwarenzi yemotokari, kutora matanho anotevera kwakakosha:

1. Bata nekambani yako yeinishuwarenzi: Kana uine zvinokunetsa nezvehutsotsi hweinishuwarenzi, chako chekutanga chinofanira kunge chiri chekusangana nemupi wako weinishuwarenzi.Ivo vanozopa gwara rekuti ungamhan'ara sei kubiridzira uye kupa zano pane rinotevera nzira yekuita.
2. Taura hutsotsi kuNational Insurance Crime Bureau (NICB): NICB, sangano risingabatsiri rakazvipira kufumura nekudzivirira hutsotsi hweinishuwarenzi, chinhu chakakosha.Unogona kuudza hutsotsi hweinishuwarenzi yemotokari kuNICB kuburikidza nehotline yavo pa1-800-TEL-NICB (1-800-835-6422) kana nekushanyira webhusaiti yavo pa.www.nicb.org.
3. Zivisa dhipatimendi reinishuwarenzi yenyika yako: Nyika imwe neimwe inochengetedza dhipatimendi reinishuwarenzi rinotarisira kudzora makambani einishuwarenzi uye kuita ongororo muhutsotsi hweinishuwarenzi.Iwe unogona kuwana ruzivo rwekusangana kwedhipatimendi reinishuwarenzi yenyika yako nekushanyira National Association of Insurance Commissioners (NAIC) webhusaiti pa.www.naic.org.

Kuzivisa hutsotsi hweinishuwarenzi yemotokari kuvakuru vakakodzera kwakakosha kwete chete kuti uzvidzivirire asiwo kudzivirira vamwe kuti vasabatwa nehutsotsi hwakafanana.Chirevo chako chinogona kubatsira mukuunza avo vane mhosva kururamisiro uye kushanda sechidziviriro pakubiridzira mune ramangwana.

Ko dash cam inogona kubatsira kurwisa hutsotsi hweinishuwarenzi yemotokari?

Hungu, zvirokwazvo, kunogona!

Kushandisa dash cam kunogona kushanda sechidziviriro chakasimba pazvitsotsi izvi, sezvo zvichipa humbowo husina tsarukano hwechiitiko chiri mubvunzo.Iwo masikirwo akarekodhwa nedash cam anogona kuramba zvichemo zvisina hwaro uye nekupa humbowo hwevhidhiyo hunomanikidza kusimbisa nyaya yako.Dash kamera inotora maonero kubva kumberi, kumashure, kana mukati memotokari, zvichiita kuti pave nechokwadi chechokwadi chakadai sekumhanya kwemotokari, zviito zvemutyairi, uye mamiriro ekunze aripo panguva yetsaona.Aya akakosha ruzivo anoita basa rakakosha mukukanganisa hutsotsi hweinishuwarenzi yemotokari uye kukuchengetedza kubva mukuwira muzvirongwa zvakadaro.

Iwe unofanirwa kuudza inishuwarenzi yako kuti une dash cam?

Kunyange zvisingasungirwe kuzivisa kambani yako yeinishuwarenzi nezve dash cam, idanho rehungwaru kubvunzana navo kuti uone kana vaine chero nhungamiro kana kana mavhidhiyo akarekodhwa achigona kuratidza kukosha mukugadziriswa kwekuda.

Kana ukafunga kushandisa dash cam uye wapinda mutsaona, unogona kuona kuti mufananidzo wakatorwa unobatsira mukugadzirisa kupomerwa uye kumisa mhosva.Mumamiriro ezvinhu akadaro, unogona kusarudza kugovera mavhidhiyo neanopa inishuwarenzi yako kuti vatarise.