Ukuxhaphaka okulishwa koBuqhophololo be-Inshurensi ye-Auto: Impembelelo yabo kwiNtlawulo yaNyanga ye-Inshurensi kuMazwe afana neFlorida neNew York.Umkhamo ofikelela kude walo mbandela ubeka umthwalo oqikelelwa kwii-R40 zamawaka ezigidi ngonyaka kwishishini le-inshorensi, nto leyo ebangela ukuba intsapho eqhelekileyo yaseUnited States ithwale ii-$700 ezongezelelekileyo kwiindleko zonyaka ngenxa yokunyuka kwamaxabiso einshorensi neentlawulo zanyanga le.Njengoko ubuqhophololo behlala bevela kwaye beyila izikimu ezitsha zokuxhaphaza abaqhubi, kubaluleke kakhulu ukuhlala unolwazi malunga neendlela zamva nje.Kulo mongo, sihlola ezinye zezona ziqhelo ze-inshurensi yemoto zika-2023 kwaye siphonononga ukuba ukufakwa kwe-dashcam kwisithuthi sakho kusebenza njani njengesisombululo esithembekileyo ukunqanda ukuba lixhoba lale misebenzi yobuqhophololo.
Umkhonyovu #1: Iingozi zeqonga
Ubuqhophololo busebenza njani:Obu buqhophololo bubandakanya izenzo zangabom zobuqhophololo ukuqulunqa iingozi, ukubavumela ukuba benze amabango obuxoki okwenzakala okanye umonakalo.Ezi ngozi ziseqongeni zinokuquka amaqhinga afana nokuqhobosha ngesiquphe (okudla ngokubizwa ngokuba 'kukumisa uvalo') kunye nendlela 'yokumaza nokubetha'.Njengoko kuchazwe liZiko loLwaphulo-mthetho lwe-Inshorensi yeSizwe, iingozi ezihleliweyo zikholisa ukuvela rhoqo kwiindawo zasezidolophini.Zijoliswe ngakumbi kwiindawo ezityebileyo kwaye zihlala zibandakanya izithuthi ezitsha, ezirentwayo, kunye nezorhwebo, apho kukho uqikelelo lwe-inshorensi ebanzi.
Uhlala njani ukhuselekile: Eyona ndlela isebenzayo yokuzikhusela kwiingozi zemoto kukufakela i-dash cam.Khetha ikhamera yedash enesisombululo esigcweleyo seHD okanye ngaphezulu, uqhayisela indawo ebanzi yokujonga, ukuqinisekisa ukubanjwa okucacileyo kunye nokubanzi kwemifanekiso yedash cam.Ngelixa ikhamera ejonge ngaphambili enye inokuba luncedo, iikhamera ezininzi zibonelela ngokugubungela ngokubanzi.Ke ngoko, inkqubo yeetshaneli ezimbini yodlula ukuseta ikhamera enye.Ukufumana ukhuselo olupheleleyo nolucokisekileyo, qwalasela inkqubo ye-3-channel efana ne-Aoedi AD890.Le nkqubo ibandakanya ikhamera yangaphakathi enekhono lokujikeleza, eyenza ukuba ibambe iziganeko kunye nokunxibelelana kwicala lomqhubi.Ke, nakwiimeko apho omnye umqhubi eza kuwe okanye ifestile yecala lomqhubi eneenjongo ezimbi okanye iingxelo, i-Aoedi AD890 inomqolo wakho.
Ubuqhophololo #2: Umkhweli wokutsibela ngaphakathi
Ubuqhophololo busebenza njani:Obu buqhetseba bubandakanya umkhweli onganyanisekanga ukuba angene kwisithuthi somnye umqhubi obeyinxalenye yengozi.Ngobuxoki babanga ukonzakala, nangona bengekho kwisithuthi ngexesha lengozi.
Uhlala njani ukhuselekile: Xa kungekho magosa ogcino-mthetho okanye amangqina akhoyo, unokuzifumana ukwimeko ethi 'utshilo'.Kwiimeko ezinjalo, kubalulekile ukuqokelela ulwazi oluchanekileyo kwindawo yengozi.Sebenzisa i-smartphone yakho ukuthatha iifoto.Ukuba kunokwenzeka, qokelela amagama kunye neenkcukacha zoqhagamshelwano zabo bonke abantu ababandakanyekayo, kuquka nabo bazibonela ngawabo amehlo kwindawo yengozi.Unokucinga kwakhona ngokufikelela emapoliseni kwaye ucele ukufakwa kwengxelo esemthethweni.Le ngxelo, kunye nenombolo yayo yefayile eyodwa, inokuba luncedo kwimeko yakho.Ukongeza, kuyacetyiswa ukuba ukhangele indawo ekufutshane neekhamera zokhuseleko ezinokuthi zibambe ingozi kwezinye ii-engile.
Umkhonyovu #3: Ilori yokutsala isihange
Ubuqhophololo busebenza njani 
abaqhubi belori ezirhuqwayo badla ngokungqengqa, belungele ukuxhaphaza abaqhubi abafumene ingozi.Bandisa izibonelelo zokutsala isithuthi sakho kodwa ke bakunike imali eninzi kakhulu.Emva kwengozi, xa unokushukunyiswa kwaye uphazamisekile, ungavuma ngokungazi ukuba isithuthi sakho sitsalelwe kwindawo yokulungisa ekhuthazwa ngumqhubi welori.Akwaziwa ukuba, ivenkile yokulungisa ibuyekeza umqhubi welori ngokuzisa isithuthi sakho.Emva koko, ivenkile yokulungisa inokuzibandakanya ekubizeni ngokugqithisileyo iinkonzo kwaye ide iqulunqe ukulungiswa okuyimfuneko, ekugqibeleni iqhubele phambili iindleko ezenziwe nguwe kunye nomnikezeli wakho we-inshurensi.
Uhlala njani ukhuselekile:Ukuba ungumnikazi we-Aoedi AD360 dash cam, linyathelo lobulumko ukwalathisa ilensi yekhamera ye-dash kumqhubi welori, uqinisekisa ukuba ubamba ubungqina bevidiyo bazo naziphi na iincoko ezenzekayo.Kwaye khumbula ukuba ungayiyehli ikhamera yakho ngenxa yokuba isithuthi sakho silayishwe ngokukhuselekileyo kwilori yokutsala.Gcina i-dash cam irekhoda, njengoko inokubhala naziphi na iziganeko okanye izehlo ezinokuthi zenzeke ngemoto yakho ngelixa wahluliwe kuyo, ikubonelela ngeevidiyo ezixabisekileyo.
Umkhonyovu #4: Ukwenzakala okugqithisileyo kunye nomonakalo
Ubuqhophololo busebenza njani: Esi sicwangciso sobuqhophololo simalunga nokubaxwa komonakalo wezithuthi emva kwengozi, ngenjongo yokufumana imali eninzi kwinkampani yeinshorensi.Abenzi bobubi banokuphinda benze ukulimala okungabonakali ngokukhawuleza, njenge-whiplash okanye ukulimala kwangaphakathi okufihliweyo.
Uhlala njani ukhuselekile: Okulusizi kukuba, ukugada amabango okwenzakala okwenyukayo kunokuba ngumsebenzi onzima.Nangona kunjalo, usenako ukuqokelela ulwazi oluchanekileyo kwindawo yengozi kwaye usebenzise ifowuni yakho ukubamba imifanekiso.Ukuba kukho iinkxalabo zokuba elinye iqela liye lenzakala, kuyacetyiswa ukuba ukhuseleko lubeke phambili kwaye ubize amapolisa ukuze afumane uncedo lonyango olungxamisekileyo.
Ubuqhophololo #5: Ukulungiswa kweemoto ngobuqhetseba
Ubuqhophololo busebenza njani:Esi sikimu senkohliso sijikeleza iivenkile zokulungisa zinyusa iindleko zokulungisa ezinokuthi kungabikho mfuneko okanye bubuxoki.Abanye oomatshini abanganyanisekanga baxhaphaza abantu abangenalwazi kangako malunga nokusebenza kwangaphakathi kwemoto.Ukuhlawuliswa ngaphezulu kokulungisa kwenzeka ngeendlela ezahlukeneyo, kubandakanywa ukusetyenziswa kwamalungu angaphambili okanye awomgunyathi endaweni yezintsha, kunye nezenzo zorhwaphilizo zokuhlawula amatyala.Kwiimeko ezithile, iivenkile zokulungisa zinokubiza iinkampani zeinshorensi ngeenxalenye ezintsha kraca ngelixa zifakela ezisele zisetyenzisiwe, okanye zinokwenza i-invoyisi yomsebenzi ongazange uqhutywe.Omnye umzekelo oqhelekileyo wobuqhophololo bokulungisa i-inshurensi yokulungisa imoto bubuqhophololo bokulungisa i-airbag.
Uhlala njani ukhuselekile:
Eyona ndlela isebenzayo yokususa obu buqhophololo kukukhetha indawo yokulungisa ethembekileyo.Cela iimbekiselo, naxa ugqibile ukulungisa, qinisekisa ukuba uyasihlola ngocoselelo isithuthi sakho xa usilanda.
Ngaba kukho naliphi na iqela labaqhubi ekujoliswe kulo rhoqo kwi-inshurensi yemoto?
Ubuqhophololo be-inshurensi yemoto bunokuba nefuthe kuluhlu olubanzi lwabantu, kodwa amanani abantu abathile anokuba semngciphekweni omkhulu ngenxa yolwazi lwabo olulinganiselweyo okanye amava ngenkqubo ye-inshurensi.Phakathi kwala maqela asengozini ngakumbi:
- Abantu abadala: Abantu abadala abadala banokujongana nomngcipheko owonyukayo wokuba lixhoba lobuqhetseba, ngokuyintloko ngenxa yokuba basenokungayazi kakuhle itekhnoloji yangoku okanye banokubonisa inqanaba eliphezulu lokuthembela kubantu ababonisa ubuchule okanye ubuchwephesha.
- Abaphambukeli: Abaphambukeli basenokujamelana nomngcipheko ophakamileyo wokujoliswa kuwo, ngokufuthi okubangelwa kukungaqhelani nenkqubo yeinshorensi kwilizwe labo elitsha.Ukongeza, banokuthembela ngakumbi kubantu abanenkcubeko okanye imvelaphi yabo yasekuhlaleni.
- Abaqhubi abatsha: Abaqhubi abangenamava basenokungabi nalo ulwazi lokuchonga ubuqhophololo be-inshorensi, ingakumbi ngenxa yokuba benonxibelelwano olulinganiselweyo lwe-inshorensi.
Kubalulekile ukugxininisa ukuba ubuqhophololo be-inshurensi yemoto bunokuchaphazela nabani na, kungakhathaliseki ubudala bakhe, umvuzo, okanye inqanaba lamava.Ukuhlala unolwazi kunye nokuthatha amanyathelo okuzikhusela kuhlala kuyeyona ndlela yokuzikhusela kwixhoba lobuqhophololo obunjalo.
Uxela njani ubuqhetseba kwi-inshurensi yemoto?
Ukuba ukrokrela ukuba ulixhoba lobuqhetseba kwi-inshurensi yemoto, ukuthatha la manyathelo alandelayo kubalulekile:
- Qhagamshelana nenkampani yakho ye-inshurensi: Ukuba unenkxalabo malunga nobuqhetseba kwi-inshurensi, inyathelo lakho lokuqala kufuneka libe kukunxibelelana nomnikezeli wakho we-inshurensi.Baya kunika isikhokelo malunga nendlela yokuxela ubuqhophololo baze bacebise ngenyathelo elilandelayo.
- Xela ubuqhophololo kwi-Inshurensi yeSizwe yoLwaphulo-mthetho (NICB): I-NICB, umbutho ongenzi nzuzo ozinikele ekufumaniseni nasekuthinteleni ubuqhophololo kwi-inshorensi, sisixhobo esixabiseke kakhulu.Unokuxela ubuqhetseba be-inshurensi yemoto kwi-NICB nge-hotline yabo kwi-1-800-TEL-NICB (1-800-835-6422) okanye ngokundwendwela iwebhusayithi yabo.www.nicb.org.
- Yazisa isebe le-inshurensi yelizwe lakho: Ilizwe ngalinye ligcina isebe le-inshurensi elinoxanduva lokulawula iinkampani ze-inshorensi kunye nokuqhuba uphando ngobuqhophololo kwi-inshurensi.Unokufikelela kulwazi loqhagamshelwano lwesebe le-inshurensi yelizwe lakho ngokundwendwela i-website ye-National Association of Insurance Commissioners (NAIC)www.naic.org.
Ukuxela ubuqhophololo kwi-inshurensi yemoto kwabasemagunyeni abafanelekileyo kubalulekile kungekuphela nje ekukhuseleni kwakho kodwa nokuthintela abanye ekubeni bangamaxhoba obuqhophololo obufanayo.Ingxelo yakho inokunceda ekuziseni abo banoxanduva kubulungisa kwaye isebenze njengesithintelo kubuqhophololo bexesha elizayo.
Ngaba i-dash cam inganceda ukulwa nobuqhetseba kwi-inshurensi yemoto?
Ewe, lunako!
Ukusebenzisa i-dash cam kunokusebenza njengokhuseleko oluluqilima kobu buqhophololo, njengoko kunika ubungqina obungenamkhethe besiganeko ekuthethwa ngaso.Imifanekiso erekhodiweyo yi-dash cam inokuphikisa ngokufanelekileyo amabango angenasihlahla kwaye ibonelele ngobungqina bevidiyo obunyanzelisayo bokuxhasa ityala lakho.Iikhamera zeDash zithatha iimbono ukusuka ngaphambili, ngasemva, okanye ngaphakathi kwesithuthi, zenza ukuba kusekwe iinyani eziphambili ezifana nezantya zesithuthi, izenzo zomqhubi, kunye neemeko zendlela kunye nemozulu ekhoyo ngexesha lengozi.Ezi nkcukacha zibalulekileyo zidlala indima ebalulekileyo ekuthinteleni ubuqhetseba obunokubakho kwi-inshurensi yemoto kwaye ikukhusele ekubeni ube lixhoba lezicwangciso ezinjalo.
Ngaba kufuneka uxelele i-inshurensi yakho ukuba unekhamera yedash?
Nangona kunganyanzelekanga ukwazisa inkampani yakho yeinshorensi nge-dash cam, kububulumko ukuthethana nabo ukuze uqiniseke ukuba banazo na izikhokelo ezithile okanye ukuba umfanekiso orekhodiweyo unokungqineka ubalulekile kwisisombululo sebango.
Ukuba uthatha isigqibo sokusebenzisa i-dash cam kwaye ubandakanyeke kwingozi, unokufumanisa ukuba umfanekiso ofunyenweyo ungqina ukuba uluncedo ekusombululeni ibango kunye nokuseka impazamo.Kwiimeko ezinjalo, unokukhetha ukwabelana ngokuqhubekayo kunye nomboneleli wakho we-inshurensi ukuze baqwalaselwe.
Ixesha lokuposa: Nov-08-2023