Zowona ndi ziwerengero zachitetezo cha oyendetsa pamasewera

Nyengo ya 2022 NFL idayamba pa Seputembara 8. Nyengo ya mpira imakokera anthu ambiri kusukulu za sekondale, makoleji, komanso mabwalo amasewera a mpira. Mafani akasonkhana kukhomo lakumbuyo, kuyang’ana ndipo, nthawi zambiri, zakumwa zoledzeretsa, kuchuluka kwa magalimoto ndi mafani aphokoso kungakhale kowopsa kwa madalaivala ndi ena opezekapo. Ngozi zitha kukwera pamasiku amasewera, koma ngozi zakupha sizingachitike chifukwa cha kuchuluka kwa magalimoto ozungulira bwaloli, malinga ndi Bloomberg.

Kumayambiriro kwa nyengo ya mpira, ndikofunikira kukhala wokonda bwino komanso woyendetsa bwino. Kudya kwambiri pamasiku amasewera kumatha kusokoneza mbiri yanu yoyendetsa – ndikuwonjezera mitengo ya inshuwaransi yagalimoto yanu. Kaya mwachita ngozi posachedwa kapena mukungoyang’ana malonda abwinoko, mungafune kupeza zolemba za inshuwaransi zamagalimoto kuchokera kwa othandizira angapo kuti muwonetsetse kuti mukukupezani zabwino kwambiri.

Ziwerengero za tsiku lamasewera

Masiku amasewera angakhale osangalatsa kwa aliyense kuyambira ana mpaka akulu. Ndikofunikira kudziwa zachitetezo chanu pamasiku amasewera, popeza kuchuluka kwa anthu, mowa ndi kuchuluka kwa magalimoto kumatha kubweretsa chiwopsezo ku thanzi lanu, ndalama, katundu wanu, komanso mbiri yanu yoyendetsa.

Ziwerengero zamagalimoto oledzera

Ziwerengero Zangozi Zapamsewu

  • Zinthu zotsatirazi zikugwirizana ndi ngozi zoopsa kwambiri zamagalimoto: nyengo, kuthamanga kwa magalimoto, kutopa kwa madalaivala, nthawi yamasana, zododometsa, ndi mowa. (Bloomberg)
  • Ngozi zitha kukhala zambiri pamasiku amasewera, koma ngozi zomwe zimapha anthu nthawi zambiri sizichitika pakadutsa magalimoto pang’onopang’ono zomwe zimachitika masiku amasewera. (Bloomberg)
  • Ngozi zamagalimoto zidakwera 41% pambuyo pa Super Bowl. (Snopes)
  • Ngozi zagalimoto zokwana 35,766 mu 2020. (IIHS)
  • 43% yaimfa zangozi zagalimoto zidachitika kumidzi mu 2020. (IIHS)

Kuwononga magalimoto ndi ziwerengero za umbanda wa katundu

  • Pamasiku amasewera, mafani ena amawononga zinthu komanso kuphwanya malamulo, monga kugudubuza magalimoto kapena kuwotcha sofa. Chaka chatha, wokonda ku Michigan State adawotcha moto atakhala pa sofa yoyaka. (Newsweek)
  • Zipolowe zinayambika m’mizinda monga Philadelphia, Detroit, Boston, Chicago, Denver, ndi Cleveland pambuyo pa kupambana ndi kutayika pamasewera. (njanji zapansi panthaka)
  • Pafupifupi milandu 6.9 miliyoni yamilandu ya katundu idachitika mu 2019. (FBI)
  • Kuwonongeka kwaupandu wa katundu kudakwana $15.8 biliyoni mu 2019. (FBI)
  • Kuba magalimoto ndiye mlandu womwe uyenera kunenedwa pafupifupi 80%, ndipo mwina ungathetsedwe pa 13.8%. (Pew Research Center)

Zowopsa potengera zaka

Chitetezo chanu patsiku lamasewera chimakhudzidwa ndi zosankha zanu. Komabe, ndikofunikira kuzindikira kuti zowopsa zomwe munthu amakumana nazo patsiku lamasewera zitha kusiyanasiyana malinga ndi zaka zawo.

Madalaivala achinyamata

  • Zotsatira za kumwa kwa ana aang’ono zingaphatikizepo kuyimitsidwa kusukulu ndi magulu amasewera. (Washington Post)
  • Ngozi zowopsa zapamsewu ndizomwe zimayambitsa kufa kwachiwiri pakati pa madalaivala azaka 15-20. (Inshuwaransi Information Institute)
  • Madalaivala achinyamata amapanga 5.1% yokha ya oyendetsa omwe ali ndi chilolezo, koma 8.5% ya madalaivala amakhudzidwa ndi ngozi zakupha. (katatu-I)
  • Madalaivala azaka zapakati pa 16 ndi 20 ali ndi mwayi wofa pangozi yochulukirapo ka 17 ndi 0.08% ya mowa wamagazi poyerekeza ndi ena osamwa. (CDC)
  • 10% ya ophunzira aku sekondale amamwa ndikuyendetsa. (CDC)

ophunzira aku koleji

  • Pafupifupi milandu ya apolisi 139.4 inachitika masiku akusewera aku koleji. (Sports Illustrated)
  • Zolakwa zofala kwambiri pamasewera amasiku ano m’mayunivesite ambiri ndizokhudzana ndi mowa kapena “zovuta”. (Sports Illustrated)
  • Kumwa mopambanitsa ndi chinthu chofala masiku aku koleji akusewera. Chomwe chinayambitsa kumangidwa ndi kutchulidwa pa bwalo la mpira wa yunivesite ya Wisconsin chinali kumwa mowa ndi ana. (Badger Herald)
  • Alabama anali ndi ngozi zamasewera 448, chiwerengero chokwera kwambiri pasukulu iliyonse. (Sports Illustrated)
  • North Carolina inali ndi ngozi zambiri kwambiri pamasiku amasewera. (Sports Illustrated)

achinyamata

  • Mabwalo amasewera a NFL ndi kwawo kwa ena mwazovuta kwambiri zamagalimoto. (USA lero)
  • Mafani okhumudwa amakhala ankhanza kwambiri. (Sports Illustrated)
  • Opitilira 1.2 miliyoni adachita nawo masewera 119 kuchokera kumagulu 22 a NFL mu 2020. (Sports Illustrated)
  • Achinyamata azaka zapakati pa 21 ndi 24 ali ndi mwayi wochuluka kuposa gulu lina lililonse kukhala madalaivala olumala ochita ngozi zakupha. (banki)
  • Chiwerengero chachikulu cha anthu omwe amafa chifukwa cha mowa amapezeka ku Texas, California, ndi Florida. Chiwerengero chochepa kwambiri cha imfa zokhudzana ndi mowa chimapezeka ku Rhode Island, Vermont, ndi North Dakota. (banki)

masewera tsiku chitetezo

  1. Onetsetsani kuti muli ndi ulendo wotetezeka wopita ndi kuchokera kumasewera. Kuyendetsa galimoto moledzera pa tsiku la masewera kukhoza kudziyika nokha ndi ena pachiwopsezo. Ngati mukumwa pa tsiku la masewera, onetsetsani kuti muli ndi dalaivala wosankhidwa kapena wodalirika wopita kunyumba. Samalani kuti musadalire mayendedwe kapena ma taxi, mutha kupikisana ndi mafani masauzande ambiri kuti mupeze wotsatira masewerawa.
  2. Khalani kutali ndi mafani apamwano. Otsatira ambiri amamwa mowa mopitirira muyeso patsiku la machesi, zomwe zingapangitse khalidwe lotayirira. Onetsetsani kuti mwasunga zinthu zanu pafupi ndikupewa kukwiyitsa mafani otsutsa kuti muchepetse ngozi.
  3. Musamamwe mowa kwambiri. CDC imatanthauzira kumwa mowa mwauchidakwa ngati zakumwa zinayi za akazi ndi zisanu za amuna nthawi ina. Kumwa mowa mwauchidakwa kumakhudzana ndi kuvulala koopsa komanso khalidwe loipa, kotero ngati mumamwa pa tsiku la masewera, mungafune kuganizira zochepetsera zomwe mumadya. Ngati mumamwa padzuwa, onetsetsani kuti mwamwa madzi ndipo musaiwale kudya.
  4. Onetsetsani kuti zakudya zomwe zimawonongeka sizingadye. Mphepete mwa nyanja ikhoza kusiyidwa kwa maola angapo panthawi. Onetsetsani kusunga zakudya zotentha pa madigiri 140 kapena zakudya zotentha ndi zozizira pa madigiri 40 kapena ozizira. Tayani zakudya zilizonse zotha kuwonongeka zomwe zasiyidwa kwa maola opitilira awiri.
  5. Onetsetsani kuti muli ndi inshuwaransi yokwanira pagalimoto. Magalimoto opita ndi kuchokera kumasewera atha kukulitsa chiwopsezo cha kugunda. Musanayambe masewerawa, mungafunike kuonetsetsa kuti muli ndi inshuwalansi yokwanira pa galimoto kuti muteteze ndalama zanu pakagwa ngozi.

Zida zopangira zomwe mukufuna

Ngati galimoto yanu kapena katundu wanu wawonongeka patsiku lamasewera, nayi momwe mungachitire. Madalaivala achichepere angakhale osatsimikizirika makamaka ponena za mmene angalembe chiwongolero ndi kuchita ngozi pakagwa ngozi.

  1. Onetsetsani kuti aliyense ali otetezeka. Ngati wina wavulala, pitani kuchipatala mwamsanga.
  2. Gawani zidziwitso ndi dalaivala wina. Mudzafunika zambiri zokhudza dzina lake ndi inshuwalansi kuti muthe kulipira ndalama za inshuwalansi.
  3. Itanani apolisi. Apolisi azitha kulemba lipoti lovomerezeka lazochitikazo.
  4. Lembani nkhani yolembedwa za ngoziyi ndi kujambula zithunzi. Akaunti ndi zithunzi zidzakhala zothandiza kwa woyang’anira popereka zomwe akufuna.
  5. Lemberani chigamulo. Kuti apereke chiwongolero, makampani ambiri a inshuwalansi ya galimoto amafunsa mayina, mauthenga, ndi zambiri za inshuwalansi za omwe achita ngozi. Nthawi zambiri amafunsa kuti awapatse lipoti la ngoziyo, mayina ndi manambala a baji a apolisi pamalopo, malo ndi nthawi ya ngoziyo ndi zithunzi zilizonse zojambulidwa.

Ngati mukufuna inshuwalansi ya galimoto kapena mukuyang’ana malonda abwino, mungafune kufufuza mawu ochokera kumakampani abwino kwambiri a inshuwalansi ya galimoto pamsika. Mtengo wapakati wa inshuwaransi yamagalimoto kwa ophunzira aku koleji waphwanyidwa pansipa.

Avereji yamitengo yapachaka ya inshuwaransi yonse yamagalimoto kwa ophunzira aku koleji

state farm 4.7 $2,470 $3,812
Gekko 4.7 $2,409 $3,877
mwapang’onopang’ono 4.4 $2991 6600 madola
Allstate 4 $3,889 $6538
alimi 3.8 $2,584 $6048

njira

Bankrate imagwiritsa ntchito Quadrant Information Services kusanthula mitengo ya 2022 ya zip code ndi zonyamulira m’maboma onse 50, ndipo mitengo ya Washington, D.C. imayesedwa potengera kuchuluka kwa anthu mdera lililonse. Mitengo yotchulidwa imachokera pa dalaivala wazaka 40 yemwe ali ndi mbiri yabwino yoyendetsa galimoto, ngongole yabwino ndi malire okhudzidwa awa:

  • $ 100,000 udindo wovulaza thupi pa munthu aliyense
  • $300,000 chifukwa chovulala pa ngozi iliyonse
  • $50,000 chifukwa cha kuwononga katundu pa ngozi iliyonse
  • $ 100,000 Munthu Wovulala Wopanda Inshuwaransi Wagalimoto
  • $300,000 chifukwa chovulala kwa woyendetsa galimoto wopanda inshuwaransi pa ngozi iliyonse
  • $ 500 kuchotsera kugundana
  • $500 pakuchotsera zonse

Kuti akhazikitse malire ocheperako, Bankrate idagwiritsa ntchito kufalitsa kochepa komwe kumakwaniritsa zofunikira za boma lililonse. Madalaivala athu oyambira ali ndi Toyota Camry ya 2020, amayenda masiku asanu pa sabata ndikuyendetsa mailosi 12,000 pachaka.

Izi ndi zitsanzo za mitengo ndipo ziyenera kugwiritsidwa ntchito poyerekezera.

achinyamata: Mitengo yosonyezedwa motsatira malamulo a makolowo inatsimikiziridwa powonjezera mwana wazaka 18 ku malamulo a banja la zaka 40 zakubadwa. Mitengo yowonetsedwa ikuwonetsa mtengo wowonjezera wa malamulo a makolo.

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