{
  "dataset": {
    "name": "SecurFig Personal Safety Incident Response Scenarios (2026)",
    "description": "Educational go / no-go guidance for common personal-safety incidents: when to call the police (including 911), when to file an insurance claim, and the typical documentation or regulation step each path requires. Compiled from published U.S. insurer claims practice, FTC identity-theft guidance, and general emergency-services convention. Not legal advice; confirm with your insurer, local police non-emergency line, or an attorney.",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "datePublished": "2026-08-21",
    "creator": "SecurFig Editorial Team",
    "sources": [
      { "name": "U.S. Federal Trade Commission — IdentityTheft.gov", "url": "https://www.identitytheft.gov/" },
      { "name": "FTC — Reporting Fraud & Scams", "url": "https://www.ftc.gov/" },
      { "name": "Insurance Information Institute — filing a claim", "url": "https://www.iii.org/" },
      { "name": "Ready.gov — Emergency Preparedness", "url": "https://www.ready.gov/" }
    ],
    "disclaimer": "Values describe common practice in the United States and are planning estimates only. Insurer requirements, police-report deadlines, and statutes vary by state, carrier, and policy. Always verify with the authority responsible for your specific situation."
  },
  "scenarios": [
    {
      "id": "home-break-in-active",
      "scenario": "You arrive home and see signs of a break-in (door forced, items missing) but no one is present.",
      "riskTier": "urgent",
      "callPolice": "Yes — call the non-emergency police line and file a report. Do not touch anything before officers arrive; you will need the report number for insurance.",
      "fileInsurance": "Yes if loss exceeds your deductible. Most carriers require a police report (often within 24–72 hours) before a theft claim is paid.",
      "regulationNote": "Many homeowner/renter policies require prompt written notice and a police report for theft. Document with photos only after police clear the scene."
    },
    {
      "id": "break-in-in-progress",
      "scenario": "You believe an intruder is inside your home right now.",
      "riskTier": "immediate",
      "callPolice": "Yes — call 911 immediately. Get to safety and stay on the line; do not confront the intruder.",
      "fileInsurance": "After the scene is safe and a report is filed, notify your insurer for any damage or theft.",
      "regulationNote": "Life safety always precedes property recovery. Emergency dispatch takes priority over any insurance step."
    },
    {
      "id": "package-theft",
      "scenario": "A delivered package is missing from your porch (likely stolen).",
      "riskTier": "routine",
      "callPolice": "File a non-emergency report only if your local department tracks package theft or you want a record; not always required.",
      "fileInsurance": "Check with the carrier (often a lost/missing-mail claim) and your credit card's purchase protection first; renter/home policies may cover above a deductible.",
      "regulationNote": "Carrier claims and card-benefit claims are usually faster than police involvement for low-value losses."
    },
    {
      "id": "car-break-in",
      "scenario": "Your parked car was broken into; items stolen or damaged.",
      "riskTier": "urgent",
      "callPolice": "Yes — file a police report (non-emergency). A report number is typically required for auto or renter insurance.",
      "fileInsurance": "Yes for stolen items (renter/home) or vehicle damage (auto comprehensive) above deductible.",
      "regulationNote": "Auto comprehensive, not liability, is the coverage that usually applies to break-in damage and stolen contents."
    },
    {
      "id": "identity-theft",
      "scenario": "You discover fraudulent accounts or charges opened in your name.",
      "riskTier": "urgent",
      "callPolice": "A local police report helps if the thief used your identity in person; for online-only fraud an FTC IdentityTheft.gov report is usually the key document.",
      "fileInsurance": "Notify banks/card issuers immediately to dispute charges; identity-theft insurance (often bundled with monitoring) may reimburse certain costs.",
      "regulationNote": "FTC report at identitytheft.gov is the federal standard; place fraud alerts and freeze credit with the three bureaus."
    },
    {
      "id": "phone-scam",
      "scenario": "Someone called pretending to be a bank/IRS/tech support and you shared info or sent money.",
      "riskTier": "urgent",
      "callPolice": "Report to the FTC (ReportFraud.ftc.gov); a police report is useful if money was sent and you know the recipient.",
      "fileInsurance": "Wire/peer transfers are rarely recoverable; check card chargeback and any fraud protection. Some banks have scam-reimbursement policies.",
      "regulationNote": "Act within hours — many transfer and crypto rails are irreversible once settled."
    },
    {
      "id": "assault-robbery",
      "scenario": "You were physically assaulted or robbed.",
      "riskTier": "immediate",
      "callPolice": "Yes — call 911 if anyone is hurt or the suspect is nearby; otherwise call the non-emergency line and file a report.",
      "fileInsurance": "Health insurance covers medical care; renter/home or travel insurance may cover related losses. Report promptly.",
      "regulationNote": "Seek medical care first; preserve evidence (clothing, photos) and request a copy of the police report."
    },
    {
      "id": "fire-smoke",
      "scenario": "A fire or smoke event damaged your home or belongings.",
      "riskTier": "immediate",
      "callPolice": "Fire/emergency services handle the immediate response; request the fire report number.",
      "fileInsurance": "Yes — notify your insurer immediately; most policies require prompt notice and a fire-department report for claims.",
      "regulationNote": "Do not re-enter until cleared. Document damage with photos after the fire marshal releases the scene."
    },
    {
      "id": "lost-stolen-wallet",
      "scenario": "Your wallet with cards and ID is lost or stolen.",
      "riskTier": "urgent",
      "callPolice": "File a report for theft (helps with disputed charges and replacement ID); not required for simple loss.",
      "fileInsurance": "Card issuers handle fraudulent charges; identity-theft coverage may assist with related costs.",
      "regulationNote": "Freeze cards immediately; a police report supports disputes and DMV/ID replacement."
    },
    {
      "id": "vandalism",
      "scenario": "Your property was vandalized (graffiti, broken window) with no suspect present.",
      "riskTier": "routine",
      "callPolice": "File a non-emergency report if you plan to claim it; a report number is commonly required.",
      "fileInsurance": "Yes if repair cost exceeds deductible on home/renter or auto (comprehensive) policies.",
      "regulationNote": "Photograph before cleaning or repairing; keep receipts for materials and labor."
    },
    {
      "id": "threatening-person",
      "scenario": "A person is threatening you or making you fear for your safety (not currently attacking).",
      "riskTier": "immediate",
      "callPolice": "Yes — contact police or a local crisis/protective order resource; if you fear imminent harm call 911.",
      "fileInsurance": "After safety is secured, document and consider renter/home coverage for any related property loss.",
      "regulationNote": "Protective orders are issued by courts; police can advise on immediate steps and evidence."
    },
    {
      "id": "minor-property-damage",
      "scenario": "Small accidental damage (e.g., a neighbor's item) with no injury and no dispute.",
      "riskTier": "routine",
      "callPolice": "Usually not needed; resolve directly with the other party.",
      "fileInsurance": "Only if cost exceeds deductible and the other party files; your liability coverage may apply.",
      "regulationNote": "Exchange contact/insurance info; a written agreement avoids later disputes."
    },
    {
      "id": "cyber-account-takeover",
      "scenario": "An online account was taken over but no money moved yet.",
      "riskTier": "urgent",
      "callPolice": "FTC report recommended; local report if identity was also misused in person.",
      "fileInsurance": "Enable recovery, change credentials, and check any fraud-reimbursement benefit tied to the account.",
      "regulationNote": "Enable two-factor authentication and review connected payment methods immediately."
    },
    {
      "id": "lost-pet",
      "scenario": "Your pet is lost or stolen.",
      "riskTier": "routine",
      "callPolice": "File a non-emergency report for theft; for a stray/lost pet contact animal control and local shelters.",
      "fileInsurance": "Some renter/home policies cover stolen pets above a deductible; review your endorsement.",
      "regulationNote": "Microchip registries and local shelters are the fastest recovery path."
    },
    {
      "id": "travel-incident",
      "scenario": "Theft, loss, or injury while traveling domestically or abroad.",
      "riskTier": "urgent",
      "callPolice": "File a local report at the destination; keep a copy for claims and consular help.",
      "fileInsurance": "Travel insurance, card benefits, and home/renter policies may each cover parts — notify all relevant carriers.",
      "regulationNote": "Save receipts, police reports, and carrier communications; time limits on travel claims are often short."
    }
  ]
}