{"id":23839,"date":"2022-02-21T08:56:24","date_gmt":"2022-02-21T00:56:24","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=23839"},"modified":"2022-02-21T08:56:27","modified_gmt":"2022-02-21T00:56:27","slug":"%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab","title":{"rendered":"\u4e00\u53f7\u8f66\u9669\u53ca\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b"},"content":{"rendered":"\n<p>\u6c7d\u8f66\u4fdd\u9669\u662f\u6bcf\u4e00\u4f4d\u8f66\u4e3b\u5fc5\u987b\u8d2d\u4e70\u7684\u4fdd\u9669\uff0c\u4ee5\u4f5c\u4e3a\u53f8\u673a\u6216\u7b2c\u4e09\u65b9\u5728\u906d\u9047\u610f\u5916\u98ce\u9669\u65f6\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u5728\u5b8c\u5584\u7684\u8f66\u9669\u4fdd\u969c\u4e0b\uff0c\u8f66\u4e3b\u5728\u53d1\u751f\u7d27\u6025\u72b6\u51b5\u65f6\u5c31\u65e0\u9700\u81ea\u638f\u8170\u5305\uff0c\u800c\u662f\u7531\u4fdd\u9669\u516c\u53f8\u8d54\u507f\u6240\u9700\u7684\u8d39\u7528\uff0c\u8fd9\u5c06\u5927\u5927\u51cf\u8f7b\u8f66\u4e3b\u7684\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u4e00\u822c\u5206\u4e3a\u4e09\u79cd\u7c7b\u578b\uff0c\u6bcf\u79cd\u7c7b\u578b\u7684\u4fdd\u5355\u90fd\u63d0\u4f9b\u4e0d\u540c\u7684\u4fdd\u969c\u8303\u56f4\u3002<\/p>\n\n\n\n<p>\u4e09\u79cd\u4fdd\u9669\u5305\u62ec\uff1a<\/p>\n\n\n\n<ol><li><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/#3_%E4%B8%89%E5%8F%B7%E4%BF%9D%E9%99%A9_%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9\">\u4e09\u53f7\u4fdd\u9669\u6216\u7b2c\u4e09\u65b9\u4fdd\u9669<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/#2_%E7%AC%AC%E4%B8%89%E6%96%B9%E3%80%81%E5%A4%B1%E7%81%AB%E5%8F%8A%E5%A4%B1%E7%AA%83%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/#1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\">\u4e00\u53f7\u8f66\u9669\u6216\u7efc\u5408\u578b\u4fdd\u9669<\/a><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u8f66\u9669\u7c7b\u578b\"\/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7991b54e7c\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7991b54e7c\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab\/#%E4%B8%80%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%BB%BC%E5%90%88%E5%9E%8B%E8%BD%A6%E9%99%A9\" title=\"\u4e00\u53f7\u8f66\u9669\/\u7efc\u5408\u578b\u8f66\u9669\">\u4e00\u53f7\u8f66\u9669\/\u7efc\u5408\u578b\u8f66\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab\/#%E4%B8%89%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%AC%AC%E4%B8%89%E6%96%B9%E8%BD%A6%E9%99%A9\" title=\"\u4e09\u53f7\u8f66\u9669\/\u7b2c\u4e09\u65b9\u8f66\u9669\">\u4e09\u53f7\u8f66\u9669\/\u7b2c\u4e09\u65b9\u8f66\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab\/#%E4%B8%80%E5%8F%B7%E8%BD%A6%E9%99%A9%E5%92%8C%E4%B8%89%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%9A%84%E5%8C%BA%E5%88%AB\" title=\"\u4e00\u53f7\u8f66\u9669\u548c\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b\">\u4e00\u53f7\u8f66\u9669\u548c\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%80%e5%8f%b7%e8%bd%a6%e9%99%a9%e5%8f%8a%e4%b8%89%e5%8f%b7%e8%bd%a6%e9%99%a9%e7%9a%84%e5%8c%ba%e5%88%ab\/#%E8%AE%A9%E6%82%A8%E7%9A%84%E7%88%B1%E8%BD%A6%E5%BE%97%E5%88%B0%E6%9C%80%E5%A5%BD%E7%9A%84%E4%BF%9D%E9%9A%9C\" title=\"\u8ba9\u60a8\u7684\u7231\u8f66\u5f97\u5230\u6700\u597d\u7684\u4fdd\u969c\">\u8ba9\u60a8\u7684\u7231\u8f66\u5f97\u5230\u6700\u597d\u7684\u4fdd\u969c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"\u4e00\u53f7\u8f66\u9669-\u7efc\u5408\u578b\u8f66\u9669\"><span class=\"ez-toc-section\" id=\"%E4%B8%80%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%BB%BC%E5%90%88%E5%9E%8B%E8%BD%A6%E9%99%A9\"><\/span>\u4e00\u53f7\u8f66\u9669\/\u7efc\u5408\u578b\u8f66\u9669<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=768%2C432&amp;ssl=1\" alt=\"\u7efc\u5408\u578b\u8f66\u9669\u6216\u4e00\u53f7\u8f66\u9669\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e9%9c%80%e8%a6%81%e7%bb%bc%e5%90%88%e5%9e%8b%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u4e00\u53f7\u8f66\u9669<\/a>\uff08\u4e5f\u79f0\u4e3a\u7efc\u5408\u578b\u8f66\u9669\uff09\u4e3a\u8f66\u4e3b\u63d0\u4f9b\u5168\u9762\u7684\u4fdd\u969c\u3002\u4e00\u53f7\u8f66\u9669\u627f\u4fdd\u7684\u8303\u56f4\u5305\u62ec\u56e0\u610f\u5916\u4e8b\u6545\u3001\u5931\u7a83\u6216\u8f66\u8f86\u5931\u706b\u9020\u6210\u7684\u8f66\u8f86\u635f\u574f\uff0c\u4ee5\u53ca\u7b2c\u4e09\u65b9\u8f66\u8f86\u635f\u574f\u3001\u53d7\u4f24\u6216\u6b7b\u4ea1\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u6301\u6709\u4e00\u53f7\u8f66\u9669\uff0c<strong>\u5728\u53d1\u751f\u4ee5\u4e0b\u60c5\u51b5\u65f6\uff0c\u60a8\u90fd<span style=\"text-decoration: underline;\">\u53ef\u4ee5<\/span>\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff1a<\/strong><\/p>\n\n\n\n<ol><li>\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e6%92%9e%e4%ba%a4%e9%80%9a%e7%81%af%ef%bc%8c%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/\">\u6c7d\u8f66\u56e0\u649e\u5230\u4ea4\u901a\u706f\u800c\u53d7\u635f<\/a>\u3002\u60a8\u53ef\u4ee5\u63d0\u51fa<a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\">\u81ea\u635f\u7d22\u8d54<\/a>\uff0c\u4f46\u5c06\u5931\u53bb<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u3002<\/li><li>\u60a8\u7684\u6c7d\u8f66\u5728<a href=\"https:\/\/bjak.my\/blog\/%e5%b0%8f%e5%bf%83%e9%a9%be%e9%a9%b6-%e5%88%ab%e8%ae%a9%e9%87%8e%e7%94%9f%e5%8a%a8%e7%89%a9%e6%88%90%e4%b8%ba%e8%bd%ae%e4%b8%8b%e4%ba%a1%e9%ad%82\/#%E5%A6%82%E6%9E%9C%E5%BC%80%E8%BD%A6%E6%92%9E%E5%88%B0%E5%8A%A8%E7%89%A9%EF%BC%8C%E6%88%91%E5%8F%AF%E4%BB%A5%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E5%90%97%EF%BC%9F\">\u884c\u9a76\u65f6\u4e0e\u52a8\u7269\u76f8\u649e<\/a>\u3002\u60a8\u53ef\u4ee5\u63d0\u51fa<a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\">\u81ea\u635f\u7d22\u8d54<\/a>\uff0c\u4f46\u5c06\u5931\u53bb<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u3002<\/li><li>\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e9%95%9c%e7%88%86%e8%a3%82%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u6c7d\u8f66\u5927\u955c\u7834\u88c2<\/a>\u3002\u60a8\u53ef\u4ee5\u63d0\u51fa<a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\">\u81ea\u635f\u7d22\u8d54<\/a>\uff08\u5728\u6ca1\u6709\u6c7d\u8f66\u5927\u955c\u4fdd\u969c\u7684\u60c5\u51b5\u4e0b\uff09\uff0c\u4f46\u5c06\u5931\u53bb<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u3002<\/li><li>\u60a8\u7684\u6c7d\u8f66\u5927\u955c\u7834\u88c2\u3002\u5982\u679c\u60a8\u6709\u8d2d\u4e70<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e9%95%9c%e7%88%86%e8%a3%82%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E8%BD%A6%E9%95%9C%E4%BF%9D%E9%9A%9C%EF%BC%9F\">\u6c7d\u8f66\u5927\u955c\u4fdd\u969c<\/a>\uff0c\u5c31\u53ef\u4ee5\u5728\u4e0d\u5f71\u54cd<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u7684\u60c5\u51b5\u4e0b\u63d0\u51fa\u7d22\u8d54\u3002<\/li><li>\u60a8\u7684\u6c7d\u8f66<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e7%9d%80%e7%81%ab%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/\">\u56e0\u610f\u5916\u8d77\u706b\u6216\u906d\u4eba\u7eb5\u706b<\/a>\uff08\u5982\u679c\u7531\u53e6\u4e00\u8f86\u8f66\u5f15\u8d77\uff0c\u5219\u4e0d\u4f1a\u5f71\u54cdNCD\uff09\u3002<\/li><li>\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e7%9b%97%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u8f66\u88ab\u5077\u4e86<\/a>\u3002<\/li><li>\u4f60\u4e0e\u53e6\u4e00\u8f86\u8f66\u76f8\u649e\u3002\u7b2c\u4e09\u65b9\u53ef\u4ee5\u5411\u60a8\u7684\u4fdd\u9669\u63d0\u51fa\u7d22\u8d54\uff0c\u60a8\u4e5f\u53ef\u4ee5\u63d0\u51fa<a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\">\u81ea\u635f\u7d22\u8d54<\/a>\uff0c\u4f46\u5c06\u5931\u53bb<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u3002<\/li><li>\u4f60\u88ab\u53e6\u4e00\u8f86\u8f66\u649e\u4e86\u3002\u60a8\u53ef\u4ee5<a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e5%90%91%e7%ac%ac%e4%b8%89%e6%96%b9%e6%8f%90%e5%87%ba%e4%bf%9d%e9%99%a9%e7%b4%a2%e8%b5%94%ef%bc%9f\/\">\u5411\u7b2c\u4e09\u65b9\u63d0\u51fa\u7d22\u8d54<\/a>\uff0c\u800c\u4e0d\u5f71\u54cd\u81ea\u8eab\u7684NCD\u3002<\/li><\/ol>\n\n\n\n<h2 id=\"\u4e09\u53f7\u8f66\u9669-\u7b2c\u4e09\u65b9\u8f66\u9669\"><span class=\"ez-toc-section\" id=\"%E4%B8%89%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%AC%AC%E4%B8%89%E6%96%B9%E8%BD%A6%E9%99%A9\"><\/span>\u4e09\u53f7\u8f66\u9669\/\u7b2c\u4e09\u65b9\u8f66\u9669<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=768%2C432&amp;ssl=1\" alt=\"\u4e09\u53f7\u8f66\u9669\u6216\u7b2c\u4e09\u65b9\u8f66\u9669\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e5%85%a8%e9%9d%a2%e4%ba%86%e8%a7%a3%e7%ac%ac%e4%b8%89%e6%96%b9%e4%bf%9d%e9%99%a9\/\">\u7b2c\u4e09\u65b9\u4fdd\u9669<\/a>\u662f\u6700\u57fa\u672c\u7684\u6c7d\u8f66\u4fdd\u9669\u5f62\u5f0f\u3002\u7b2c\u4e09\u65b9\u6307\u7684\u662f\u548c\u60a8\u4e00\u8d77\u7275\u6d89\u5728\u610f\u5916\u4e2d\u7684\u201c\u5bf9\u65b9\u201d\uff0c\u5373\u662f\u60a8\u6240\u649e\u5230\u7684\u90a3\u8f86\u8f66\u5b50\u7684\u8f66\u4e3b\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e09\u65b9\u4fdd\u9669<strong>\u53ea\u4fdd\u969c\u7b2c\u4e09\u65b9\u800c\u4e0d\u4fdd\u969c\u60a8\u672c\u8eab<\/strong>\uff0c\u5373\u4fdd\u969c\u5bf9\u65b9\u5728\u8d22\u7269\u4e0a\u7684\u635f\u5931\u6216\u635f\u574f\u3002\u81f3\u4e8e\u60a8\u7684\u8f66\u5b50\u7684\u7ef4\u4fee\u8d39\u5219\u9700\u7531\u4f60\u672c\u8eab\u8d1f\u8d23\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u6301\u6709\u4e09\u53f7\u8f66\u9669\uff0c<strong>\u5f53\u9047\u5230\u4ee5\u4e0b\u60c5\u51b5\u65f6\uff0c\u60a8\u90fd<span style=\"text-decoration: underline;\">\u4e0d\u53ef\u4ee5<\/span>\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54<\/strong>\uff1a<\/p>\n\n\n\n<ol><li>\u60a8\u649e\u5230\u4e86\u4ea4\u901a\u706f\uff0c\u8f66\u8f86\u4e25\u91cd\u53d7\u635f\u3002<\/li><li>\u60a8\u5f00\u8f66\u65f6\u649e\u5230\u52a8\u7269\u3002<\/li><li>\u60a8\u7684\u8f66\u7740\u706b\u4e86\u3002<\/li><li>\u60a8\u7684\u8f66\u88ab\u5077\u4e86\u3002<\/li><li>\u60a8\u7684\u8f66\u4e0e\u53e6\u4e00\u8f86\u8f66\u76f8\u649e\u5e76\u4e25\u91cd\u635f\u574f\u3002<\/li><\/ol>\n\n\n\n<p>\u53ea\u6709\u4e00\u79cd\u60c5\u51b5\u624d\u80fd\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff0c<strong>\u5373\u5f53\u60a8\u7684\u6c7d\u8f66\u4e0e\u53e6\u4e00\u8f86\u6c7d\u8f66\u76f8\u649e\uff0c\u90a3\u4e48\u5bf9\u65b9\u5c31\u53ef\u4ee5\u5411\u60a8\u6240\u6301\u6709\u7684\u4e09\u53f7\u8f66\u9669\u63d0\u51fa\u7d22\u8d54\u3002<\/strong><\/p>\n\n\n\n<h2 id=\"\u4e00\u53f7\u8f66\u9669\u548c\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b\"><span class=\"ez-toc-section\" id=\"%E4%B8%80%E5%8F%B7%E8%BD%A6%E9%99%A9%E5%92%8C%E4%B8%89%E5%8F%B7%E8%BD%A6%E9%99%A9%E7%9A%84%E5%8C%BA%E5%88%AB\"><\/span>\u4e00\u53f7\u8f66\u9669\u548c\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8981\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u4e00\u53f7\u8f66\u9669\u4e0e\u4e09\u53f7\u8f66\u9669\u7684\u533a\u522b\uff0c\u8bf7\u53c2\u9605\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4fdd\u969c\u8303\u56f4&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e00\u53f7\u8f66\u9669<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e09\u53f7\u8f66\u9669<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u81ea\u8eab\u8f66\u8f86\u635f\u574f<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u8f66\u8f86\u5931\u706b<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u8f66\u8f86\u5931\u7a83<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7b2c\u4e09\u65b9\u53d7\u4f24\u3001\u6b7b\u4ea1\u6216\u8f66\u8f86\u635f\u574f\u3001<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u62d6\u8f66\u670d\u52a1<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<br>(\u53ef\u4ee5\u989d\u5916\u4ed8\u8d39\u4ee5\u83b7\u53d6\u62d6\u8f66\u670d\u52a1)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7d27\u6025\u6551\u63f4\u670d\u52a1\uff0c\u5982&nbsp;<em>jump start<\/em>, \u6362\u8f6e\u80ce\u3001\u7535\u6c60\u53ca\u5176\u4ed6<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u6c7d\u8f66\u5927\u955c\u7d22\u8d54<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u6dfb\u52a0\u9644\u52a0\u4fdd\u9669<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6709\u9650<br>(\u4e0d\u80fd\u6dfb\u52a0\u6c7d\u8f66\u5927\u955c\u53ca\u81ea\u7136\u707e\u5bb3\u4fdd\u969c)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4ef7\u683c<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u9ad8<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6bd4\u8f83\u4fbf\u5b9c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u8d2d\u4e70\u6761\u4ef6<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4f7f\u7528\u94f6\u884c\u8d37\u6b3e\u8d2d\u4e7010 \u5e74\u4ee5\u4e0b\u6c7d\u8f66\u7684\u8f66\u4e3b\u5fc5\u987b\u8d2d\u4e70\u4e00\u53f7\u8f66\u9669<br><br>\uff08\u6709\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4e00\u53f7\u8f66\u9669\u7684\u6700\u9ad8\u8f66\u9f84\u9650\u5236\u4e8e 16 \u81f3 25 \u5e74\u4e4b\u95f4\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u8f66\u9f8415\u5e74\u4ee5\u4e0a\u7684\u8f66\u4e3b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5907\u6ce8\uff1a\u6807\u8bb0 (\/) \u8868\u793a\u4fdd\u5355\u6709\u63d0\u4f9b\u8be5\u4fdd\u969c\uff0c\u800c\u6807\u8bb0 (X) \u8868\u793a\u4fdd\u5355\u4e0d\u63d0\u4f9b\u8be5\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2 id=\"\u8ba9\u60a8\u7684\u7231\u8f66\u5f97\u5230\u6700\u597d\u7684\u4fdd\u969c\"><span class=\"ez-toc-section\" id=\"%E8%AE%A9%E6%82%A8%E7%9A%84%E7%88%B1%E8%BD%A6%E5%BE%97%E5%88%B0%E6%9C%80%E5%A5%BD%E7%9A%84%E4%BF%9D%E9%9A%9C\"><\/span>\u8ba9\u60a8\u7684\u7231\u8f66\u5f97\u5230\u6700\u597d\u7684\u4fdd\u969c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30-1.jpg?resize=800%2C400&amp;ssl=1\" alt=\"\u9009\u62e9\u9002\u5408\u60a8\u7684\u6c7d\u8f66\u4fdd\u9669\"\/><\/figure>\n\n\n\n<p>\u5e0c\u671b\u4ee5\u4e0a\u7684\u5206\u4eab\u53ef\u4ee5\u8ba9\u60a8\u5bf9\u4e00\u53f7\u8f66\u9669\u53ca\u4e09\u53f7\u8f66\u9669\u6709\u66f4\u6df1\u7684\u4e86\u89e3\u3002<\/p>\n\n\n\n<p>\u5c3d\u7ba1\u7b2c\u4e09\u65b9\u4fdd\u9669\u6bd4\u5176\u4ed6\u7c7b\u578b\u7684\u4fdd\u9669\u4fbf\u5b9c\uff0c\u4f46\u8bf7\u8bb0\u4f4f\uff0c\u6b64\u7c7b\u4fdd\u9669\u53ea\u4f1a\u4fdd\u969c\u7b2c\u4e09\u65b9\uff0c\u800c\u4e0d\u4f1a\u5bf9\u60a8\u7684\u8f66\u8f86\u6709\u4efb\u4f55\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u4e00\u540d\u7cbe\u660e\u7684\u8f66\u4e3b\uff0c\u8bf7\u786e\u4fdd\u60a8\u7684\u8f66\u8f86\u5f97\u5230\u6700\u597d\u7684\u4fdd\u969c\uff0c\u540c\u65f6\u4fdd\u969c\u60a8\u5728\u53d1\u751f\u610f\u5916\u65f6\u4e0d\u4f1a\u906d\u53d7\u4efb\u4f55\u8d22\u52a1\u4e0a\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p>\u4e3a\u4e86\u5f97\u5230\u5168\u9762\u7684\u4fdd\u969c\uff0c\u6211\u4eec\u59cb\u7ec8\u5efa\u8bae\u60a8\u4e3a\u7231\u8f66\u9009\u62e9<a href=\"https:\/\/bjak.my\/blog\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e9%9c%80%e8%a6%81%e7%bb%bc%e5%90%88%e5%9e%8b%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u3002\u6216\u8bb8\u60a8\u4f1a\u62c5\u5fc3\u4fdd\u8d39\u8fc7\u9ad8\uff1f\u4e0d\u5fc5\u62c5\u5fc3\uff0c\u5728\u5fc5\u4f73\u66f4\u65b0\u8f66\u9669\uff0c\u60a8\u53ef\u4ee5<a href=\"https:\/\/bjak.my\/zh?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogzh\">\u4e00\u6b21\u6027\u6bd4\u8f83\u8d85\u8fc715\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7<\/a>\uff0c\u901a\u8fc7\u6bd4\u8f83\uff0c\u60a8\u5c31\u6709\u673a\u4f1a\u627e\u5230\u6700\u8fce\u5408\u60a8\u9700\u6c42\u4e14\u4ef7\u683c\u6700\u4f4e\u7684\u8f66\u9669\u3002<\/p>\n\n\n\n<p>\u73b0\u5728\u5c31\u5230\u5fc5\u4f73\u66f4\u65b0\u8f66\u9669\uff01<\/p>\n\n\n\n<p>\u5ef6\u4f38\u9605\u8bfb\uff1a<\/p>\n\n\n\n<ul><li><a 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