I-60% yeengozi zeenqwelo zeenqwelo zeeNtshatshazi ziKhutshwa yiCandelo lokuThutha
IiNgcaciso zeNgcaciso kwiCandelo lokuPhatha eliPhephayo
Ngokubhekiselele kwiSebe lezothutho lase - United States , abantu aba-9 babulawa kwaye abangaphezu kwe-1 balimala ngokuphazamiseka okubandakanya umqhubi ophazamisekile eUnited States ngalunye.
Uphononongo olusisiseko se- AAA soKhuseleko lweZithuthi (Traffic Safety) lukhangela ukuqhuba ukuphazamiseka okuqhubekileyo phakathi kwabaqhubi abaselula abaneminyaka eli-16 ukuya kwe-19 ubudala kwiminyaka engama-6, idatha iya kukumangazela. Nangona i-term distracted drive yathandwa ngabadumileyo kwiminyaka eyi-15 eyadlulayo yokuthetha nokuthumela iifowuni kwiifowuni, kuya kubonakala ukuba isizathu esiphezulu sokuqhubela ukuqhutyelwa kwe-adolescence akusiyo ngenxa yokusetyenziswa kwesithuthi, kodwa kunokuba iziphazamiso zabathengi ngoku Ingxelo yekhasi engama-70 , ichaza idatha edidayo kunye neenombolo zangempela kwizinto zokuphazamiseka.
Yintoni Ongayenza Ngayo Ukuphayela Okuphazamisayo?
Okokuqala, kubalulekile ukuqonda intsingiselo yokwenene yokuqhuba ukuphazamiseka, siye sichaza ngezantsi. Emva koko kufuneka uqonde oko kubangela ukuqhutyelwa ukushayela, okokuba imboni yezemoto kunye noshishino lomshuwalense lenza ngako, kodwa kubaluleke kakhulu ukuba ungayithetha njani nomntwana wakho ngomtshayeli wokuphazamiseka ukuqhuba ukuyivala.
Yintoni Ephazamisayo Ukuqhuba? Inkcazo
Ukucaciswa kokuqhuba okuphazamisayo: Ukuqhuba ukuphazamiseka xa umqhubi ethatha inxaxheba kwimisebenzi engahambelani nokusebenza kweso sithuthi ngelixa uqhuba imoto kwaye umsebenzi unako ukutshintsha ugxininiso lomqhubi kwiinjongo zawo eziphambili ekusebenziseni ngokuphepha isithuthi ngelixa ugxininise kwindlela kunye neemeko zendlela.
Ukuqhuba ukuphazamiseka kukubandakanya ukusetyenziswa kwezixhobo zeselula ngelixa uqhuba kunye nezinye izinto eziphazamisayo okanye imisebenzi. Imisebenzi yokuqhuba ukuphazamiseka ikhupha umngcipheko wokuba neengozi kunye nokufunda, kuyacaca ukuba ukuqhuba ukuphazamiseka kukuqhuba ingxaki enkulu phakathi kwabaqhubi abatsha.
Iimbangela Zokuqhubela Ukuphazamiseka
- Ukuthumela imiyalezo
- Ukuthetha ngeselfowuni
- Ukusebenzisa ifowuni yeselula ukusebenzisa i-intanethi ngelixa uqhuba kwaye ushaqa iwebhu
- Ukubukela iividiyo okanye iifilimu okanye usebenzisa amacebo okuzonwabisa
- Ukusebenzisa amajelo aseburhulumenteni okanye ukuthatha i-selfie okanye ukusasazwa kwevidiyo
- Ukucocwa (ukudibanisa iinwele, ukugqoka)
- Ukutya
- Ukuqhawula emotweni, kubagibeli abahamba phambili okanye ukuqhuba ngokunyamezela, kunye nokudanisa
- Ukufunda-nokuba ngaba iphephandaba okanye incwadi yeencwadi, izikhokelo zokufunda ngokubonakalayo okanye imiyalelo, okanye i-imeyile
Iimpawu malunga nokuPhatha okuKhuselekileyo
Isizathu esiphezulu, kwi-15% yazo zonke izingozi zomqhubi ezithintekayo ezenziwa ngumntwana zibangelwa kubagibeli. Isizathu sesibini esona sizathu esiphezulu kwimiba yengozi yokuqhuba umqhubi wenkomfa kwi-page-70 ingxelo evela kwi-AAA Foundation yayisithuba se-12% yokuthumela imiyalezo. Ukwazi ezi manani kunceda ukuqonda ingxaki yokuqhuba ukuphazamiseka.
Isistim kwi-Driving Distracted: Ngaba uyazi ukuba ngowama-2014, kwakukho abantu abangu-3 129 ababulewe ekuphazamiseni ukushayela umqhubi?
Ziziphi iindleko zokuPhathwa okuKhatshazelisayo?
Nangona ungenayo ingozi ngokwakho, ukushayela okuphazamisayo kunokuba nempembelelo enkulu kwiimali zomshuwalense wemoto yakho. Imiphumo yokuqhuba ukuphazamiseka okuphazamisayo inempembelelo kuwo wonke umda, ukusuka kwintlawulo yomshuwalense wemoto yakho ekugqibeleni ukhuseleko lwakho kwintsapho kunye nabantu kuluntu.
Ukuthumela imiyalezo kwiselfowuni ngelixa umqhubi ufumene ingqwalasela njengokuba ukuphazamiseka kwentsha, kodwa abaqhubi abancinci kufuneka baqonde ukuba kukho izinto ezininzi kwihlabathi lethu namhlanje ezenza ukuba abaqhubi abaselula baphazamiseke.
Ukuphila kwethu okuxakekile kusenza sicinge ngezinye izinto endleleni, i-GPS yethu kunye nabadlali beendaba badlulisa amehlo ethu endleleni kwaye badla ekuhambeni kuthatha izandla zethu kwivili. Zonke ezi zinto ziza kubangela ukuba intsha iqhube ukuphazamiseka kwaye inokunyusa ingozi enkulu yengozi.
Iphazamisekile Ukuqhuba Ingxaki Ngomntwana Okhulayo?
Ngokwe-National Road Traffic and Administration Administration (NHTSA), i-10% yabashayeli abasha ababandakanyeka ekuphazamiseni okubulalayo babika njengophazamiseka ngexesha lengozi
Iimpawu kwiBaqhubi abasha kunye nokuPhatha okuPhephayo
Abaselula banomlinganiselo ophezulu wokuphazamiseka kwanoma yiliphi iqela leminyaka e-United States.
Ngokwakhiwa kwemikhwa yokuqhuba ngokukhuselekileyo ukususela ekuqaleni, kungekhona kuphela ukuphazamiseka okubangelwa ukushayela okuphazamisekile kupheliswe kubutsha, kodwa ekude ixesha elide labemi ngokubanzi njengoko intsha ikhula. Xa sibheke kwii-statistics, iziganeko zokushayela ezithintekayo eziselula, nangona ziphakame kakhulu, ziphantsi kakhulu kunani leziganeko zabantu abangama-20. Oku kungabonisa ukuba ukuba abaselula abaqhelekanga kwimikhuba yokuqhuba ngokukhuselekileyo, njengoko befumana amava okuqhubela phambili kunye nokuzithemba ngakumbi, banokuthi banokukwazi ukubandakanya ukuqhuba ukuphazamiseka kokuqhuba ukuqhubela phambili. Idatha ye-NHTSA ibonisa ukuba iziganeko zanda ukuya kuma-20.
I-60% yeengozi zemoto yeselula ibangelwa ukushayela okuphazamisekileyo ngokuhambelana nokufundwa yi-AAA Foundation for Safety Traffic, evezwe abatsha abangaphezu kweminyaka engama-6
Yintoni enomdla malunga nesifundo se-AAA Foundation kukuba idatha yaqokelelwa ngevidiyo ngokusebenzisa inkqubo ebizwa ngokuba yi- DriveCam . Inkqubo inika abaqhubi kunye neentsapho zabo ngengxelo yeveki nganye. Ngoko nangaphantsi kolawulo lomqhubi wekhamera, iziganeko zenzekile kwaye kwinqanaba eliyingozi.
Ngaba Kuphazamiseka Ukuqhuba Izingozi Ukuthintela I-My Insurance Rate?
Ukuba iinkcukacha ezingentla zingenakwanele ukukholisa ukuba le ngxaki enkulu, cinga ngubani ohlawula iindleko zazo zonke ezimele, ukulimala kwepropati nokufa. Ngaphandle kwelahleko ekhohlakeleyo kumalungu entsapho kunye nabantu abachaphazela ngqo kwiingozi ezibangelwa ziziganeko ezichaphazelekayo zokuqhuba umqhubi, ukulahlekelwa kwemali kubandakanyeka kubalulekile. Cinga ukuba ubani ohlawula amabango kunye nembuyekezo yezemali ngenxa yelahleko: uluntu jikelele kunye nenkampani zomshuwalense.
Zingaphi Iingozi Zenzeke Ngokuqhuba Ukuphazamiseka?
Akukho mntu ophumelelayo nokuqhuba ukuphazamiseka. Nazi ezinye iinkcukacha ezivela kwi-NHTSA:
I-10% yengozi yokubulala, i-18% yokuphazamiseka kokulimala, kunye
I-16% yazo zonke izithuthi zepropati ezixeliweyo
ngo-2013 bachazwa njengengozi yokuphazamiseka
Iindlela ezi-3 eziphazamisayo Ukuqhuba Ukunyusa iiRhafu zakho zeeNtshumo zeeNqwelo
1. Ukuba ufumana ukuphulwa kweendlela okanye uphule umyalelo ngenxa yokuphazamisa umqhubi
Ukuba ufumana ithikithi okanye ukuphulwa kwezithuthi ungalahlekelwa isaphulelo sakho samahhala kwaye oku kuya kuphazamisa irekhodi lakho lokuqhuba ngokukhawuleza. Kuninzi nje ngekitikithi yokukhawulezisa okanye ukudlula ibhasi yesikolo xa iimpawu zivuliwe ukuba wonke umntu ayeke. Nangona imithetho nemigaqo ye-inshorensi iyahluka ukusuka kummandla ukuya kwilizwe, ezi ziza kuphulwa kakhulu. Unokuqhagamshelana nomkhomishinala wakho we-inshurensi yomhlaba ukuba ufumanise ukuba zeziphi iimpembelelo ezichanekileyo zikwimeko yakho.
Nasi umzekelo ukuba ingakanani i-inshurensi eya kunyuka emva kwekitikithi yokuqhuba ukuphazamiseka, ngokutsho kwe-inshurensi, ithikithi "yokusetyenziswa kwe-insured" inokunyusa i-premium yakho yomshuwalense wemoto ngaphezu kwe-18%, ukuba isekelwe kwi-inshurensi yemoto ephantsi. umlinganiselo "oku kunokuthetha ngaphezu kwama-$ 200 kwi-premium ye-$ 1,238.
2. Ukuba unengozi ngenxa yokuqhuba ukuphazamiseka, okanye ukuba umqhubi ophazamisayo uyakubetha
Ukubandakanyeka kwengozi kuya kuthintela irekhodi lakho lokuqhuba kunye neembali zembali. Le yindlela eqinisekileyo yokwenza i-premium ipolisi yakho iphakamise. Ukongezelela, kuya kubonakalisa isithuthi sakho nangona i-inshurensi ibandakanya ukulungiswa, nangona emva kokulungiswa, isithuthi sakho siya kuba nexabiso elinciphileyo. Kwiimoto ezitsha, ukulahleka ngexabiso elinciphileyo lingaba ngamawaka eedola.
3. Njengoko ukuphazamiseka kweengozi zokuqhuba umqhubi, ungalindela ukwanda kwama-inshurensi jikelele.
Ukuqhuba ukuphazamiseka kuyinkathalo entsha, kodwa enye inzima kakhulu. Nangona yakho inkampani yomshuwalense ayizange ilungelelanise iirhafu zezi ntlobo zeelahleko, kodwa unokubheka ukuba ishishini lomshuwalense lijonge le nto njengemithetho yokwenza ukuphazamiseka kokushayela ngokungekho mthethweni kukunyuka. I-inshurensi yakho iya kugqitywa, ukuba kungengoku ngoku, yenza oku kuqwalasela.
Le yindlela nje i-inshurensi isebenza ngayo: njengoko iimangalo zamabango ziphakama ngenxa yokubangwa kwebango lokuqhuba, iinkampani ze-inshorensi ziyakwazi ukuphendula ngokunyusa i-inshurensi yemoto kunye nokudala imithetho emibini yokubhala phantsi ukuhlawula iindleko ezongezelelweyo ezihlawulwe. Le ngxaki yesizwe. Ukuqhuba ukuphazamiseka kukukhuseleko lwesizwe kunye neengxaki zemali sonke sifuna ukulawula.
Ndingamnceda Njani Umntwana Wethu Uphephe Ukuqhubela Ukuphazamiseka?
Unokuphepha ukuqhubela ukuphazamiseka kwimoto yakho ngokufundisa intsapho yakho kwizibalo. Ukuqhuba ukuphazamiseka akuhambisani nokuthumela imiyalezo kunye nokuqhuba. Enyanisweni, amanani abonisa ukuba abantu abaninzi basebenzisa intanethi ngelixa beqhuba ukuthumela imiyalezo. Kuya kubonakala ngathi zonke iiprogram zokupapasha ngokungahambisani nokuthumela imiyalezo kunye nokuqhuba ukuqhuba ziyaqalisa ukuhambisa umyalezo ekhaya, kodwa ngenxa yezizathu ezithile, abantu baxakeke kwi-intanethi.
Izibalo ezivela kwiiNkcukacha zoKhuseleko lweZithuthi, ngo-2014: abaneminyaka engama-15-20 ubudala babandakanyeka ku-4,283 ukuphazamiseka kwezithuthi ezibulalayo ngo-2012
Abakhiqizi Beemoto kunye Nokuqhuba Ukuphazamiseka: Ukuqhuba Ukuhamba Ngokukhuselekileyo Kwabantwana Nabantu Bonke
Ukukhetha imoto ekunceda ukukhupha ukushayela ukuphazamiseka akunakucombulula ngokupheleleyo ingxaki yokuqhuba ukuphazamiseka, kodwa inokunceda ukwenza umehluko. Abenzi bemoto bahlakulela iintlobo ezahlukeneyo zobuchwephesha kwiimoto ezintsha ukuze banqande abantu ukuba bangalingeke ukuba basebenzise izixhobo zabo eziphathekayo ngelixa beqhuba. Ukuthengwa kweemoto ezinezandla ezikhululekile ezakhiwe kuyo, okanye ezinokufunda izibhalo okanye i-GPS imiyalelo iza kunceda ukukhusela izilingo zokushayela eziphazamisayo. I-Ford yeSync ingathumela itekisi kwaye ifunde imilayezo kwaye ivumela abazali ukuba bavimbele iifowuni kunye neetekisi xa i-adolescents iqhuba iprogram ye-MyKey. I-GM ivelisa iisenjini eziya kuthi zibone ukujonga xa amehlo okanye inhloko yomqhubi ehamba ukusuka apho kufanele ukuba (ejongene nendlela) xa uqhuba. Xa sele iphuhlisiwe, lo lwazi kunye neteknoloji yokulandelela intloko ingenza umehluko omkhulu kumlo wokulwa nokuphazamiseka koqhubi kubantu abanezixhobo zezobuchwepheshe. Le mizekelo emangalisayo yendlela iinkampani zemoto ezidlala ngayo inxaxheba ekuncedeni abazali bakhusele abatsha ekuqhubeni ukuphazamiseka, kunye noluntu jikelele.
Inkampani ye-Telematics okanye i- Usage Based Based Insurance kunye neCandelo lokuThutha
Nangona amadivaysi e-telematics akakwazi ukunika ingxelo malunga nendlela ophazamise ngayo xa uqhuba okanye ukuba usebenzisa ifowuni, inokuqokelela idatha malunga nendlela oqhuba ngayo. Umzekelo, unokubona ukuba zihlandlo ezininzi ukuyeka ukuyeka, okanye ukujika okanye ukuhamba. Ukuba nokufikelela kulolu hlobo lwazi malunga nendlela abaqhubi bakho abancinci abanokukunceda ngayo ukufumana iingxaki ezinokuthi uphephe ukuqhuba nokuphazamiseka nokushayela iimpawu zokuziphatha eziyingozi njengokukhawuleza. Thetha kwinkampani yakho yomshuwalense okanye umthengisi uze ubuze ukuba isicatshulwa se-telematics sifike kuwe. Inxalenye ephambili kukuba abaqhubi abakhuselekileyo baya kufumana inzuzo kwisaphulelo, oku kunokwakheka ngakumbi kubaselula abanamazinga aphezulu e-inshorensi sele sele sele. Ukufumana Umshuwalense osetyenziswayo kumqhubi wakho osemtsha unokunciphisa izinga le-inshurensi yakho.
Indlela yokuthetha nomntwana wakho osemtsha malunga nokuPhatha okuKhuselekileyo
Kukho uncedo lwezibonelelo ezongezelelweyo ukukunceda ukhulume nomntwana wakho malunga neengozi zokuqhuba ukuphazamiseka kwaye kukho izicwangciso zokukunceda ukuba umqhubi wakho okhulayo aqhube ngokukhuselekileyo kwaye akhuphe ukuphazamiseka, qhubeka ufunda kwiphepha le-2 kwiingcebiso ezi-3 zokunceda Uthetha nomntwana wakho osemtsha malunga nokuPhatha okuKhuselekileyo nokudala imichimo yokuqhuba kakuhle kunye nezinye izixhobo zokukunceda ukulungisa iingxaki zokuqhuba ukuphazamiseka okanye xa ufuna ukufundisa umntwana wakho ukuba aqhube ngokukhuselekileyo.
Iindlela ezi-3 ezilungileyo zokufundisa abantwana bakho Indlela yokuhamba ngokukhuselekileyo kwaye ugweme ukuqhubela ukuphazamiseka
Emva kokuba uhlolisise zonke izinto ezibangele ukuqhuba ukuphazamisa ukuqhuba nokufaka ifowuni, ukuthumela i-texting, ukutya, umsakazo, i-GPS, kukho abazali abaninzi kufuneka bayenze ukuze bancede abantwana babo bayeke ukushayela ukuphazamiseka.
Isihluthulelo sokufumana umntwana ukuba ashintshe umkhwa okanye enze into eyahlukileyo, njengokuhamba ngokukhuselekileyo, kukubandakanya kubo kwinkqubo kwaye uncede umntwana wakho aqonde. Umntwana wakho usemtshintshi ulungile, nantsi indlela yokubanceda ukuba abe ngumqhubi okhuselekileyo kwaye angaqhubi xa ephazamiseka:
- Xoxa ngemingeni yokuqhuba xa ufuna ukufumana ezinye izinto zenzeke kwaye ufike ngeendlela zokuziphepha. Sebenzisa imizekelo yendlela ukuqhuba ukuphazamiseka kokuqhuba ukuqhuba ukuqhuba ukuphatha kwimiqobo kuwe. Yenza ingxaki yentsapho ukuyicombulula, kungekhona nje ingxaki yengane yakho. Wonke umntu uzama ukuqhuba ukuphazamiseka. Ukuyeka ukushayela okuphazamisayo kukufumana izisombululo kuwe, ngendlela efanayo nabenzi bemoto neenkampani zomshuwalense bazama ukuphuhlisa izixhobo zokuncedisa.
Xa intsapho ihlangana kunye nencoko yokwenene, ingenza umehluko omkhulu
- Thetha malunga nexabiso lokudonsa ngaphaya kwindawo ekhuselekileyo kwaye ukhangele ukuba umbhalo ophuthumayo, okanye i-imeyile, okanye uthathe loo selfie xa imoto imisiwe kwaye ingasebenzi. Xoxa into enokuyenza xa unomuzwa wokuthi akukho ndlela ongayiphephela ngayo umthombo wokuphazamiseka. Sonke sinaloo mizuzu apho sivakalelwa ngathi kufuneka senze into ethile, sifanele sigqibe isigqibo sokuba ziphi ixesha kunye nokuba zenzeni ngabo.
Ungasebenzisi ukushayela okuphazamisayo njengesihloko sesifundo somntwana wakho, sisebenzise njengethuba lokuxazulula iingxaki kunye nokwabelana ngemibono.
- Inkcazo yemiphumo, ukuziphatha kunye nemali. Okona kubaluleke kakhulu ukuba sifanele sibeke ingcamango kubantwana abachaphazelekayo ukuba zeziphi iindleko zokuphazamiseka kwexesha lokushayela. Ukuba umntwana wakho uyaqonda ukuba ezi zenzo zibeka ubomi babo engozini, nokuba zibangelwa yingozi apho ziba yimbangela yengozi ethatha ubomi bomnye umntu, baya kucinga kabini ngaphambi kokuphazamiseka. Iifomati kwikhasi langaphambili lingakunceda. Baxelele ukuba ngaphandle kwemiphumo yengozi, kukho imiphumo yemali kwizenzo zabo, kwaye ubaxelele ukuba baya kuba nexanduva lokulahlekelwa yimali okanye iindleko ezibangelwa ukuqhuba kwabo ukuphazamiseka.
Imizekelo yokuphucula ukuKhuseleko nokuPhepha ukuThuthukiswa kokuThuthukiswa kwabaselula
- Ukuba umqhubi wakho osemtsha kufuneka asebenzise i-GPS ukuze afune indlela yawo ngokuphepha kwindawo, bafumane umkhwa wokujonga iinkcukacha ngaphambi kokuba bangene emotweni ukuze bangakhathazeki ngokujonga i-GPS rhoqo. Bafundise indlela yokuvula itekisi ukuthetha into kwifow okanye imoto. Ukuba awunayo inkqubo eya kufunda imiyalelo kwisithethi, kuthathe ixesha kunye kunye nokufumana i-app engenza oku kwaye uqiniseke ukuba bayakwazi ukuyisebenzisa.
- Thetha kwintsapho yakho malunga nabahlobo bokuthumela umyalezo ngaphambi kokuba bashiye indlu ukuba bazise ukuba abayi kuphuma xa beqhuba. Ngale ndlela abayi kuhendwa ukuba bafumane umyalezo emva nangaphambili. Bamele bavale iinkqubo eziza kuzama ukuzisebenzisa xa ziqhuba. Ukuphepha ukushayela okuphazamisayo kubandakanya umgudu wokuzimela.
- Thetha nomntwazana wakho malunga neempembelelo. Baxelele ukuba ukuba ngaba ngabaqhubi abalungileyo banokufumana izaphulelo okanye i-inshurensi, okanye enye imvuzo. Le nto intsha inokuziqhayisa. Cinga ngokuqwalasela oku.
Izixhobo Zokunceda Ukuyeka Ukuphazamiseka Ukuqhuba Ukulungiselela Abaselula
Kukho ulwazi oluninzi malunga nokushayela okuphazamisayo oku kunokukunceda, nantsi imizekelo:
- IWebhu yeDrive yokuKhathazeka ineevidiyo ezininzi kunye nezixhobo zokunceda ukuyeka ukuqhuba ukuphazamiseka.
- Le sayithi ngumzekelo wabafundi bathatha indlela ehamba phambili yokuFundiswa kweziThutho kunye nezixhobo ezinomdla.
- I-AAA Smartstart yenye enye imithombo kukunceda ufundise wakho umfana ukuba aqhube umniki-ndlela onika iingcebiso kunye nezixhobo ezixhasayo.
Iikhosi zokuGosa eziKhuselekileyo zinganceda ukuphazamiseka ukuqhuba nokunciphisa amaxabiso e-inshorensi
Cinga ukubhalisa wakho umntwana ekufundiseni ngokuzikhusela. Ezi zifundo zifundisa iindlela ezininzi zokukhusela ukuqhubela umkhondo kodwa ziyamnandi. Baya kufundisa imigaqo emihle yokuqhuba, ebandakanya ukubaluleka kokungaphazanyiswa. Ngaphezulu kwayo, usenokufumana isaphulelo se-inshurensi , kwaye igcina izinto zizonwabisa xa wenza umntwana wakho umqhubi nokuba ngumphathi onoxanduva. Ngomqhubi ophazamisayo endleleni, ezi ndlela zokuzikhusela ziya kuzinceda ukuba ziphephe ukulimala ngokuqhuba ukuphazamiseka.