{"id":28674,"date":"2022-04-13T07:34:35","date_gmt":"2022-04-12T23:34:35","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=28674"},"modified":"2022-04-13T07:34:39","modified_gmt":"2022-04-12T23:34:39","slug":"%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97","title":{"rendered":"\u6c7d\u8f66\u4fdd\u9669\u5b8c\u6574\u6307\u5357"},"content":{"rendered":"\n<p>\u6c7d\u8f66\u4fdd\u9669\u662f\u4fdd\u9669\u516c\u53f8\u5411\u6ce8\u518c\u8f66\u4e3b\u63d0\u4f9b\u7684\u4e00\u79cd\u4fdd\u62a4\u5f62\u5f0f\u3002<\/p>\n\n\n\n<p>\u4ece2017\u5e747\u67081\u65e5\u5f00\u59cb\uff0c\u56fd\u5bb6\u94f6\u884c\uff08BNM\uff09\u843d\u5b9e\u4e86<a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/\/\/e6e05640-a13a-c9a4-6cd2-6fcaa0fa4e6b\/\">\u6c7d\u8f66\u4fdd\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236<\/a>\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u901a\u8fc7\u6240\u63d0\u4f9b\u7684\u8f66\u9669\u670d\u52a1\u4ea7\u54c1\uff0c\u81ea\u7531\u5b9a\u5236\u4ef7\u683c\uff0c\u8fd9\u4e5f\u610f\u5473\u7740\u8f66\u4e3b\u4eec\u53ef\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u9700\u8981\u548c\u9884\u7b97\u9009\u62e9\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\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-69d7b06f22cc9\" 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-69d7b06f22cc9\"><\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E4%B8%BA%E4%BB%80%E4%B9%88%E4%BD%A0%E9%9C%80%E8%A6%81%E8%B4%AD%E4%B9%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u4e3a\u4ec0\u4e48\u4f60\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f\">\u4e3a\u4ec0\u4e48\u4f60\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E6%9C%89%E4%BB%80%E4%B9%88%E5%8A%9F%E8%83%BD%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u6709\u4ec0\u4e48\u529f\u80fd\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u6709\u4ec0\u4e48\u529f\u80fd\uff1f<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E7%B1%BB%E5%9E%8B%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u7684\u7c7b\u578b\u6709\u54ea\u4e9b\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u7684\u7c7b\u578b\u6709\u54ea\u4e9b\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\" title=\"1. \u7efc\u5408\u578b\u4fdd\u9669\">1. \u7efc\u5408\u578b\u4fdd\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#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\" title=\"2. \u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669\">2. \u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#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\" title=\"3. \u4e09\u53f7\u4fdd\u9669 \/ \u7b2c\u4e09\u65b9\u4fdd\u9669\">3. \u4e09\u53f7\u4fdd\u9669 \/ 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title=\"\u8f66\u9669\u4ef7\u683c\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f\">\u8f66\u9669\u4ef7\u683c\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E6%B1%BD%E8%BD%A6%E7%9A%84%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87\" title=\"\u6c7d\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\">\u6c7d\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E9%9C%80%E8%A6%81%E5%A4%9A%E5%B0%91%E4%BF%9D%E9%A2%9D%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u9700\u8981\u591a\u5c11\u4fdd\u989d\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u9700\u8981\u591a\u5c11\u4fdd\u989d\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89\" title=\"\u5e02\u573a\u4ef7\u503c\uff08Market value\uff09\">\u5e02\u573a\u4ef7\u503c\uff08Market value\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\" title=\"\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09\">\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E4%BD%A0%E9%9C%80%E8%A6%81%E4%BB%80%E4%B9%88%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u4f60\u9700\u8981\u4ec0\u4e48\u9644\u52a0\u4fdd\u9669\uff1f\">\u4f60\u9700\u8981\u4ec0\u4e48\u9644\u52a0\u4fdd\u9669\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E4%BB%80%E4%B9%88%E6%97%B6%E5%80%99%E9%9C%80%E8%A6%81%E8%B4%AD%E4%B9%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u4ec0\u4e48\u65f6\u5019\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f\">\u4ec0\u4e48\u65f6\u5019\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%A6%82%E4%BD%95%E6%9F%A5%E8%AF%A2%E8%BD%A6%E9%99%A9%E7%9A%84%E6%88%AA%E6%AD%A2%E6%97%A5%E6%9C%9F%EF%BC%9F\" title=\"\u5982\u4f55\u67e5\u8be2\u8f66\u9669\u7684\u622a\u6b62\u65e5\u671f\uff1f\">\u5982\u4f55\u67e5\u8be2\u8f66\u9669\u7684\u622a\u6b62\u65e5\u671f\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%A6%82%E4%BD%95%E9%80%89%E6%8B%A9%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u5982\u4f55\u9009\u62e9\u6c7d\u8f66\u4fdd\u9669\uff1f\">\u5982\u4f55\u9009\u62e9\u6c7d\u8f66\u4fdd\u9669\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%A6%82%E4%BD%95%E6%9B%B4%E6%96%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u5982\u4f55\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\uff1f\">\u5982\u4f55\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E9%9C%80%E8%A6%81%E4%BB%BB%E4%BD%95%E6%96%87%E4%BB%B6%E5%90%97%EF%BC%9F\" title=\"\u66f4\u65b0\u8f66\u9669\u9700\u8981\u4efb\u4f55\u6587\u4ef6\u5417\uff1f\">\u66f4\u65b0\u8f66\u9669\u9700\u8981\u4efb\u4f55\u6587\u4ef6\u5417\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E4%BF%9D%E5%8D%95%E9%87%8C%E7%9A%84%E9%87%8D%E8%A6%81%E6%9D%A1%E6%AC%BE\" title=\"\u4fdd\u5355\u91cc\u7684\u91cd\u8981\u6761\u6b3e\">\u4fdd\u5355\u91cc\u7684\u91cd\u8981\u6761\u6b3e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%A6%82%E6%9E%9C%E4%B8%8E%E4%B8%8D%E5%8F%97%E4%BF%9D%E7%9A%84%E8%BD%A6%E8%BE%86%E7%9B%B8%E6%92%9E%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\" title=\"\u5982\u679c\u4e0e\u4e0d\u53d7\u4fdd\u7684\u8f66\u8f86\u76f8\u649e\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f\">\u5982\u679c\u4e0e\u4e0d\u53d7\u4fdd\u7684\u8f66\u8f86\u76f8\u649e\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E5%A6%82%E4%BD%95%E5%90%91%E6%97%A0%E8%BD%A6%E9%99%A9%E8%BD%A6%E4%B8%BB%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%9F\" title=\"\u5982\u4f55\u5411\u65e0\u8f66\u9669\u8f66\u4e3b\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff1f\">\u5982\u4f55\u5411\u65e0\u8f66\u9669\u8f66\u4e3b\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff1f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/#%E8%AE%A9%E7%88%B1%E8%BD%A6%E8%8E%B7%E5%BE%97%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\" title=\"\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c\">\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E4%B9%88%E4%BD%A0%E9%9C%80%E8%A6%81%E8%B4%AD%E4%B9%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u4e3a\u4ec0\u4e48\u4f60\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6839\u636e<a href=\"https:\/\/www.mpbp.gov.my\/sites\/default\/files\/aktapengangkutanjalan.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u9053\u8def\u8fd0\u8f93\u6cd5\u5f8b1987<\/a>\uff0c\u9a6c\u6765\u897f\u4e9a\u9646\u4ea4\u5c40\uff08JPJ\uff09\u89c4\u5b9a\u6bcf\u8f86\u6c7d\u8f66\u53ca\u6469\u6258\u5fc5\u987b\u62e5\u6709\u6709\u6548\u7684\u8def\u7a0e\u624d\u80fd\u5728\u516c\u8def\u4e0a\u884c\u9a76\u3002<\/p>\n\n\n\n<p>\u5728\u66f4\u65b0\u8def\u7a0e\u4e4b\u524d\uff0c\u8f66\u4e3b\u5fc5\u987b\u5148\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u6c7d\u8f66\u4fdd\u9669\u5c31\u662f\u4e2a\u4eba\u4ea4\u901a\u5de5\u5177\u7684\u610f\u5916\u4fdd\u9669\uff0c\u4e3b\u8981\u9488\u5bf9\u8f66\u8f86\u5728\u906d\u9047\u610f\u5916\u65f6\uff0c\u5305\u62ec\u5931\u7a83\u53ca\u5931\u706b\u800c\u63d0\u4f9b\u4fdd\u969c\uff0c\u4ece\u800c\u51cf\u8f7b\u8f66\u4e3b\u7684\u8d22\u52a1\u8d1f\u62c5\u3002<\/p>\n\n\n\n<h2><span 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data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance--1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u8f66\u9669\u7684\u529f\u80fd\" class=\"wp-image-6105\" title=\"\u8f66\u9669\u7684\u529f\u80fd\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image1_-function-of-insurance-.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E7%B1%BB%E5%9E%8B%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\"><\/span>\u6c7d\u8f66\u4fdd\u9669\u7684\u7c7b\u578b\u6709\u54ea\u4e9b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6106\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/attachment\/image2-_-3types-of-insurance\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image2-_-3types-of-insurance\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" 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\" class=\"wp-image-6106\" title=\"\u8f66\u9669\u7c7b\u578b\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image2-_-3types-of-insurance.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6c7d\u8f66\u4fdd\u9669\u7684\u4e09\u79cd\u7c7b\u578b\u3002<\/figcaption><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\"><\/span>1. \u7efc\u5408\u578b\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6143\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/attachment\/comprehensive-covers-own-damage-accident-theft-towing\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Comprehensive-covers-own-damage-accident-theft-towing\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u7efc\u5408\u578b\u4fdd\u9669\" class=\"wp-image-6143\" title=\"\u7efc\u5408\u578b\u4fdd\u9669\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Comprehensive-covers-own-damage-accident-theft-towing.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u7efc\u5408\u578b\u4fdd\u9669\u63d0\u4f9b\u6295\u4fdd\u8005\u6700\u5b8c\u5584\u7684\u4fdd\u969c\uff0c\u5176\u4fdd\u969c\u9664\u4e86\u4e0e\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u548c\u5931\u7a83\u4fdd\u9669\u4e00\u6837\u4e4b\u5916\uff0c\u4e5f\u63d0\u4f9b\u4fdd\u969c\u4e88\u60a8\u7684\u8f66\u5b50\u56e0\u610f\u5916\u800c\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"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\"><\/span>2. \u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6144\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/attachment\/image-2-cover-theft-fire-and-other-people-car-during-accident-1-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u7b2c\u4e09\u65b9\u3001\u5931\u7a83\u53ca\u5931\u706b\u4fdd\u9669\" class=\"wp-image-6144\" title=\"\u7b2c\u4e09\u65b9\u3001\u5931\u7a83\u53ca\u5931\u706b\u4fdd\u9669\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Cover-theft-fire-and-other-people-car-during-accident-1-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u8fd9\u4efd\u4fdd\u5355\u7684\u4ef7\u683c\u6bd4\u7b2c\u4e09\u65b9\u4fdd\u9669\u6765\u5f97\u9ad8\uff0c\u6bd4\u7efc\u5408\u578b\u4fdd\u9669\u6765\u5f97\u4f4e\u3002\u548c\u7b2c\u4e09\u65b9\u4fdd\u9669\u4e00\u6837\uff0c\u8fd9\u4efd\u4fdd\u5355\u5c06\u4fdd\u969c\u7b2c\u4e09\u65b9\u5728\u8d22\u7269\u4e0a\u7684\u635f\u5931\u4e0e\u635f\u574f\uff0c\u5305\u62ec\u60a8\u6240\u9020\u6210\u7b2c\u4e09\u65b9\u7684\u53d7\u4f24\u6216\u6b7b\u4ea1\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u8fd9\u4efd\u4fdd\u5355\u4e5f\u5c06\u4fdd\u969c\u60a8\u7684\u8f66\u5b50\u56e0\u5931\u706b\u6216\u5931\u7a83\u800c\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"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\"><\/span>3. \u4e09\u53f7\u4fdd\u9669 \/ \u7b2c\u4e09\u65b9\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6146\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/attachment\/only-cover-other-people-need-to-pay-for-own-damage\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Only-cover-other-people-need-to-pay-for-own-damage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u4e09\u53f7\u8f66\u9669\" class=\"wp-image-6146\" title=\"\u4e09\u53f7\u8f66\u9669\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Only-cover-other-people-need-to-pay-for-own-damage.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u7b2c\u4e09\u65b9\u4fdd\u9669\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>\u4e09\u79cd\u4fdd\u9669\u6240\u63d0\u4f9b\u7684\u7684\u4fdd\u969c\uff0c\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_-table-1024x1024.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u6c7d\u8f66\u4fdd\u9669\u79cd\u7c7b\u7b80\u4ecb\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%93%AA%E4%BA%9B%E5%9B%A0%E7%B4%A0%E5%B0%86%E5%BD%B1%E5%93%8D%E8%BD%A6%E9%99%A9%E7%9A%84%E4%BB%B7%E6%A0%BC%EF%BC%9F\"><\/span>\u54ea\u4e9b\u56e0\u7d20\u5c06\u5f71\u54cd\u8f66\u9669\u7684\u4ef7\u683c\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u4e0a\u6240\u8ff0\uff0c\u4ece2017\u5e747\u67081\u65e5\u5f00\u59cb\uff0c\u56fd\u5bb6\u94f6\u884c\uff08BNM\uff09\u843d\u5b9e\u4e86<a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/\/\/e6e05640-a13a-c9a4-6cd2-6fcaa0fa4e6b\/\">\u6c7d\u8f66\u4fdd\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236<\/a>\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u901a\u8fc7\u6240\u63d0\u4f9b\u7684\u8f66\u9669\u4ea7\u54c1\uff0c\u81ea\u7531\u5b9a\u5236\u7efc\u5408\u578b\u4fdd\u9669\uff0c\u4ee5\u53ca\u7b2c\u4e09\u65b9\u3001\u5931\u7a83\u53ca\u5931\u706b\u4fdd\u9669\u7684\u4fdd\u8d39\u4ef7\u683c\u3002<\/p>\n\n\n\n<p>\u843d\u5b9e\u8fd9\u9879\u63aa\u65bd\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u5728\u786e\u5b9a\u8f66\u8f86\u4fdd\u8d39\u4ef7\u683c\u65f6\u5c06\u8003\u8651\u66f4\u591a\u56e0\u7d20\uff0c\u5176\u4e2d\u5305\u62ec\uff1a<\/p>\n\n\n\n<ol><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E6%B1%BD%E8%BD%A6%E7%9A%84%E5%B8%82%E5%9C%BA%E4%BB%B7%E6%A0%BC\">\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u683c<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E6%B1%BD%E8%BD%A6%E7%9A%84%E7%94%9F%E4%BA%A7%E5%B9%B4%E4%BB%BD\">\u6c7d\u8f66\u7684\u751f\u4ea7\u5e74\u4efd <\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%EF%BC%88NCD%EF%BC%89\">\u65e0\u7d22\u507f\u6298\u6263\u7387<\/a><\/li><li> <a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E7%B1%BB%E5%9E%8B\">\u6c7d\u8f66\u4fdd\u9669\u7684\u7c7b\u578b<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\">\u6240\u9009\u62e9\u7684\u9644\u52a0\u4fdd\u9669<\/a> <\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E4%BD%BF%E7%94%A8%E6%B1%BD%E8%BD%A6%E7%9A%84%E5%9C%B0%E7%82%B9\">\u4f7f\u7528\u6c7d\u8f66\u7684\u5730\u70b9<\/a> <\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E9%A9%BE%E9%A9%B6%E8%AE%B0%E5%BD%95\">\u9a7e\u9a76\u8bb0\u5f55<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E8%81%8C%E4%B8%9A\">\u804c\u4e1a<\/a><\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E8%BD%A6%E9%99%A9%E4%BB%B7%E6%A0%BC%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84%EF%BC%9F\"><\/span>\u8f66\u9669\u4ef7\u683c\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u4e3a\u8f66\u9669\u4ef7\u683c\u7684\u8ba1\u7b97\u65b9\u5f0f\u3002\u65e0\u8bba\u60a8\u9009\u62e9\u54ea\u5bb6\u4fdd\u9669\u516c\u53f8\uff0c\u5176\u8ba1\u7b97\u65b9\u5f0f\u90fd\u662f\u7c7b\u4f3c\u7684\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6129\" data-permalink=\"https:\/\/bjak.my\/blog\/photo1634175171-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?fit=1280%2C717&amp;ssl=1\" data-orig-size=\"1280,717\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1634175171-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?fit=300%2C168&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?fit=1024%2C574&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"574\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1-1024x574.jpeg?resize=854%2C479&amp;ssl=1\" alt=\"\u8ba1\u7b97\u8f66\u9669\u65b9\u6cd5\" class=\"wp-image-6129\" title=\"\u8ba1\u7b97\u8f66\u9669\u65b9\u6cd5\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?resize=1024%2C574&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?resize=300%2C168&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?resize=768%2C430&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo1634175171-1.jpeg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6130\" data-permalink=\"https:\/\/bjak.my\/blog\/image-6_-change-to-mandarin-visual\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-6_-change-to-mandarin-visual\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual-1024x1024.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u8ba1\u7b97\u8f66\u9669\u65b9\u6cd5\" class=\"wp-image-6130\" title=\"\u8ba1\u7b97\u8f66\u9669\u65b9\u6cd5\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-change-to-mandarin-visual.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E7%9A%84%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87\"><\/span>\u6c7d\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65e0\u7d22\u507f\u6298\u6263\u7387 \uff08No claim discount, NCD\uff09\u5728\u786e\u5b9a\u4f60\u6bcf\u5e74\u7684\u6c7d\u8f66\u4fdd\u8d39\u8d77\u7740\u975e\u5e38\u91cd\u8981\u7684\u4f5c\u7528\u3002\u8fd9\u662f\u4f60\u5728\u4fdd\u5355\u6709\u6548\u671f\u5185\u4ece\u672a\u63d0\u51fa\u4efb\u4f55\u7d22\u8d54\uff0c\u4fdd\u9669\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u4e00\u79cd\u6298\u6263\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u6ca1\u6709\u7d22\u8d54\uff0c\u65e0\u7d22\u507f\u6298\u6263\u7387\u5c31\u4f1a\u589e\u52a0\uff0c\u8fd9\u5c06\u6709\u52a9\u4e8e\u964d\u4f4e\u8f66\u4e3b\u7684\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u79c1\u5bb6\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD-4-1024x1024.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u6c7d\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E9%9C%80%E8%A6%81%E5%A4%9A%E5%B0%91%E4%BF%9D%E9%A2%9D%EF%BC%9F\"><\/span>\u6c7d\u8f66\u4fdd\u9669\u9700\u8981\u591a\u5c11\u4fdd\u989d\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p id=\"tw-target-text\">\u8d2d\u4e70\u4fdd\u9669\u65f6\uff0c\u4f60\u9700\u8981\u786e\u4fdd\u6c7d\u8f66\u7684\u4fdd\u9669\u4fdd\u989d\uff0c\u786e\u5b9a\u6c7d\u8f66\u4fdd\u9669\u7684\u4fdd\u989d\u975e\u5e38\u91cd\u8981\uff0c\u9002\u5f53\u7684\u4fdd\u989d\u624d\u80fd\u8ba9\u60a8\u7684\u6c7d\u8f66\u83b7\u5f97\u8db3\u591f\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u4fdd\u9669\u4fdd\u989d\u6307\u7684\u662f\u4fdd\u969c\u8f66\u8f86\u7684\u6700\u9ad8\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u7684\u4fdd\u989d\u4e00\u822c\u5206\u4e3a\u4e24\u79cd\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6519\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/attachment\/image-3_-perbandingan-market-value-vs-agreed-value%ef%bc%88change-to-mandarin-visual%ef%bc%89-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09-2.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09-2.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09-2.jpg?fit=1024%2C576&amp;ssl=1\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value%EF%BC%88change-to-mandarin-visual%EF%BC%89-2-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c\" class=\"wp-image-6519\" title=\"\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c\"\/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89\"><\/span><strong>\u5e02\u573a\u4ef7\u503c<\/strong>\uff08Market value\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89\">\u5e02\u573a\u4ef7\u503c<\/a>\u6307\u7684\u662f\u4f60\u7684\u6c7d\u8f66\u6309\u7167\u5e02\u573a\u4ef7\u683c\u6240\u4f30\u7b97\u51fa\u7684\u4ef7\u503c\u3002\u8fd9\u4e2a\u4ef7\u503c\u56e0\u6c7d\u8f66\u54c1\u724c\u3001\u8f66\u578b\u53ca\u51fa\u4ea7\u5e74\u4efd\u800c\u6709\u6240\u4e0d\u540c\u3002\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\u6bcf\u5e74\u90fd\u5728\u4e0b\u964d 10-15% \u5de6\u53f3\u3002\u5982\u679c\u53d1\u751f<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e5%ad%90%e5%85%a8%e6%8d%9f%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/\">\u5168\u989d\u635f\u5931<\/a>\uff08total loss\uff09\u6216<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\/\">\u88ab\u76d7\u7d22\u8d54<\/a>\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u6839\u636e\u5e02\u573a\u4ef7\u503c\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\uff1a\u5047\u8bbe\u4f60\u6295\u4fdd\u7684\u4fdd\u989d\u662fRM45,000\uff0c\u5f53\u4f60\u8981\u6c42\u5168\u989d\u635f\u5931\uff08total loss\uff09\u7684\u7d22\u8d54\u65f6\uff0c\u60a8\u5c06\u5f97\u5230\u5c11\u4e8eRM45,000\u7684\u8d54\u507f\u91d1\u3002\u8fd9\u662f\u56e0\u4e3a\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u503c\u5df2\u7ecf\u4e0b\u6ed1\uff0c\u800c\u8d54\u507f\u91d1\u662f\u6839\u636e\u4f60\u7d22\u8d54\u65f6\u7684\u5e02\u573a\u4ef7\u503c\u6240\u4f30\u7b97\u7684\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\"><\/span><strong>\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/#%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\">\u7ea6\u5b9a\u4ef7\u503c<\/a>\u6307\u7684\u662f\u4f60\u548c\u4fdd\u9669\u516c\u53f8\u53cc\u65b9\u540c\u610f\u7684\u6307\u5b9a\u4fdd\u989d\u3002\u8fd9\u4e2a\u4fdd\u989d\u4e0d\u4f1a\u968f\u7740\u8f66\u5b50\u5e02\u573a\u4ef7\u503c\u7684\u4e0b\u6ed1\u800c\u6709\u6240\u6539\u53d8\u3002\u5982\u53d1\u751f\u5168\u989d\u635f\u5931\uff08total loss\uff09\u6216\u88ab\u76d7\u7d22\u8d54\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u6309\u6b64\u7ea6\u5b9a\u4ef7\u503c\u5168\u989d\u8d54\u507f\u7ed9\u4f60\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\uff1a\u5047\u8bbe\u4f60\u548c\u4fdd\u9669\u516c\u53f8\u53cc\u65b9\u540c\u610f\u7684\u6307\u5b9a\u4fdd\u989d\u4e3aRM45,000\uff0c\u5f53\u4f60\u8981\u6c42\u5168\u989d\u635f\u5931\u7684\u7d22\u8d54\u65f6\uff0c\u4f60\u5c06\u5f97\u5230RM45,000\u7684\u8d54\u507f\u91d1\u3002\u867d\u7136\u5f53\u4f60\u7d22\u8d54\u65f6\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u683c\u5df2\u7ecf\u4e0b\u6ed1\uff0c\u4f46\u8d54\u507f\u91d1\u5e76\u4e0d\u4f1a\u56e0\u6b64\u800c\u6539\u53d8\u3002<\/p>\n\n\n\n<p id=\"tw-target-text\">\u90a3\u4e48\uff0c\u8981\u9009\u62e9\u7ea6\u5b9a\u7684\u4ef7\u503c\u8fd8\u662f\u5e02\u573a\u4ef7\u503c\u5462\uff1f <\/p>\n\n\n\n<p id=\"tw-target-text\">\u7b80\u800c\u8a00\u4e4b\uff0c\u5982\u679c\u4f60\u7684\u8f66\u662f\u65b0\u7684\uff0c\u5e76\u4e14\u8fd8\u5728\u507f\u8fd8\u94f6\u884c\u8d37\u6b3e\uff0c\u4f60\u5e94\u8be5\u9009\u62e9\u7ea6\u5b9a\u4ef7\u503c\u7684\u4fdd\u989d\u3002\u53e6\u4e00\u65b9\u9762\uff0c\u5982\u679c\u4f60\u7684\u8f66\u662f\u65e7\u7684\uff0c\u4e14\u6ca1\u6709\u503a\u52a1\uff0c\u4f60\u5c31\u53ef\u4ee5\u9009\u62e9\u5e02\u573a\u4ef7\u503c\u4f5c\u4e3a\u4fdd\u989d\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E4%BD%A0%E9%9C%80%E8%A6%81%E4%BB%80%E4%B9%88%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u4f60\u9700\u8981\u4ec0\u4e48\u9644\u52a0\u4fdd\u9669\uff1f<span 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href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8%e8%b1%81%e5%85%8d%e4%bf%9d%e9%9a%9c%e5%90%97\/\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u6307\u7684\u662f\u4fdd\u5355\u6301\u6709\u4eba\u5728<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/\">\u6c7d\u8f66\u7ef4\u4fee\u5382<\/a>\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u5fc5\u987b\u627f\u62c5\u7684\u65b0\u96f6\u4ef6\u7684<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/\">\u989d\u5916\u4fee\u8f66\u8d39\u7528<\/a>\u3002\u901a\u8fc7<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8%e8%b1%81%e5%85%8d%e4%bf%9d%e9%9a%9c%e5%90%97\/\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c<\/a>\uff0c\u4f60\u5c31\u53ef\u4ee5\u5728\u4e0d\u5fc5\u989d\u5916\u4ed8\u8d39\u7684\u60c5\u51b5\u4e0b\u83b7\u5f97\u65b0\u7684\u96f6\u4ef6\uff0c\u800c\u4e0d\u662f\u4e8c\u624b\u96f6\u4ef6\u3002<\/p>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%b8%ad%e7%9a%84%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%9a%9c%ef%bc%8c%e6%82%a8%e9%9c%80%e8%a6%81%e5%90%97%ef%bc%9f\/\">\u4e2a\u4eba\u610f\u5916\u4fdd\u969c<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u867d\u7136\u7efc\u5408\u578b\u4fdd\u9669\u63d0\u4f9b\u5168\u9762\u7684\u4fdd\u969c\uff0c\u4f46\u662f\uff0c\u5982\u679c\u6295\u4fdd\u4eba\u56e0\u4e3a\u610f\u5916\u800c\u53d7\u4f24\u6216\u6b7b\u4ea1\uff0c\u6b64\u7c7b\u4fdd\u9669\u5374\u4e0d\u63d0\u4f9b\u4efb\u4f55\u4fdd\u969c\u3002\u56e0\u6b64\uff0c\u4f60\u53ef\u4ee5\u6dfb\u52a0\u4e2a\u4eba\u610f\u5916\u4fdd\u969c\uff0c\u4fdd\u8d39\u4e00\u822c\u4e3aRM60\u81f3RM100\uff0c\u53ef\u80fd\u56e0\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u800c\u5f02\u3002<\/p>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e6%88%90%e4%b8%ba%e7%94%b5%e5%8f%ac%e8%bd%a6%e5%8f%b8%e6%9c%ba%ef%bc%9f%e5%85%88%e8%b4%ad%e4%b9%b0%e7%94%b5%e5%8f%ac%e8%bd%a6%e8%bd%a6%e9%99%a9%ef%bc%81\/\">\u7535\u53ec\u8f66\u8f66\u9669<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u5982\u679c\u4f60\u5229\u7528\u4f60\u7684\u79c1\u5bb6\u8f66\u63d0\u4f9b\u7535\u53ec\u8f66\u670d\u52a1\uff0c\u5982<em>Grab, DIFF, MULA<\/em>&nbsp;\u6216&nbsp;<em>MyCar<\/em>\uff0c\u62e5\u6709\u7535\u53ec\u8f66\u8f66\u9669\u5bf9\u4f60\u6765\u8bf4\u975e\u5e38\u91cd\u8981\u3002\u7535\u53ec\u8f66\u8f66\u9669\u548c\u4f60\u7684\u57fa\u672c\u8f66\u9669\u4e00\u6837\uff0c\u66f4\u65b0\u671f\u9650\u4e3a\u65f6\u4e00\u5e74\u3002<\/p>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e9%a9%be%e8%bd%a6%e4%ba%ba%e5%a3%ab%e4%b8%80%e5%ae%9a%e8%a6%81%e7%9f%a5%e9%81%93%e7%9a%84%e5%85%8d%e8%b4%b9%e6%8b%96%e8%bd%a6%e6%9c%8d%e5%8a%a1\/\">\u62d6\u8f66\u670d\u52a1\u4fdd\u969c<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u4fdd\u9669\u8ba1\u5212\u4e2d\u63d0\u4f9b\u7684\u62d6\u8f66\u670d\u52a1\uff0c\u5f80\u5f80\u62e5\u6709\u8ddd\u79bb\u7684\u9650\u5236\u3002\u5982\u679c\u4f60\u8d85\u8fc7\u6240\u9650\u5236\u7684\u8ddd\u79bb\uff0c\u4f60\u5c31\u9700\u8981\u652f\u4ed8\u989d\u5916\u7684\u8d39\u7528\u3002\u56e0\u6b64\uff0c\u4e3a\u907f\u514d\u652f\u4ed8\u989d\u5916\u8d39\u7528\uff0c\u4f60\u53ef\u4ee5\u5728\u7efc\u5408\u578b\u4fdd\u5355\u4e2d\u6dfb\u52a0\u989d\u5916\u7684\u62d6\u8f66\u670d\u52a1\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E4%BB%80%E4%B9%88%E6%97%B6%E5%80%99%E9%9C%80%E8%A6%81%E8%B4%AD%E4%B9%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u4ec0\u4e48\u65f6\u5019\u9700\u8981\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65e0\u8bba\u662f\u65b0\u8f66\u6216\u4e8c\u624b\u8f66\uff0c\u60a8\u90fd\u9700\u8981\u4e3a\u4f60\u7684\u6c7d\u8f66\u8d2d\u4e70\u4e00\u4efd\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u5fc5\u987b\u6bcf\u5e74\u66f4\u65b0<strong>\uff0c<\/strong>\u4ee5\u786e\u4fdd\u4f60\u7684\u8f66\u5b50\u5408\u6cd5\u5730\u884c\u9a76\u5728\u516c\u8def\u4e0a\uff0c\u5e76\u80fd\u591f\u5728\u6709\u9700\u8981\u7684\u65f6\u5019\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\u3002\u4f60\u53ef\u4ee5\u5728\u6c7d\u8f66\u4fdd\u9669\u8fc7\u671f\u7684\u4e24\u4e2a\u6708\u524d\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28917\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/attachment\/photo6244735608203358048\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo6244735608203358048\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u4f60\u53ef\u4ee5\u5728\u8f66\u9669\u5230\u671f\u4e24\u4e2a\u6708\u524d\u66f4\u65b0\u8f66\u9669\" class=\"wp-image-28917\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358048.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E6%9F%A5%E8%AF%A2%E8%BD%A6%E9%99%A9%E7%9A%84%E6%88%AA%E6%AD%A2%E6%97%A5%E6%9C%9F%EF%BC%9F\"><\/span>\u5982\u4f55\u67e5\u8be2\u8f66\u9669\u7684\u622a\u6b62\u65e5\u671f\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e6%9f%a5%e8%af%a2%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e6%88%aa%e6%ad%a2%e6%97%a5%e6%9c%9f%ef%bc%9f\/#%E6%A3%80%E6%9F%A5%E6%82%A8%E7%9A%84%E4%BF%9D%E5%8D%95%E6%88%96%E4%B8%B4%E6%97%B6%E4%BF%9D%E5%8D%95%EF%BC%88cover_note%EF%BC%89\">\u68c0\u67e5\u4fdd\u5355\u6216\u4e34\u65f6\u4fdd\u5355\uff08cover note\uff09<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u4fdd\u5355\u4e0a\u8bb0\u5f55\u4e86\u8bb8\u591a\u91cd\u8981\u8d44\u8baf\uff0c\u5982\uff1a\u4fdd\u989d\u3001\u4fdd\u8d39\u3001\u57ab\u5e95\u8d39\u53ca\u8f66\u9669\u7684\u622a\u6b62\u65e5\u671f\u7b49\uff0c\u56e0\u6b64\u6536\u85cf\u597d\u4fdd\u5355\u5c31\u65b9\u4fbf\u968f\u65f6\u53ef\u4ee5\u67e5\u8be2\u3002\u5982\u679c\u6536\u85cf\u4fdd\u5355\u662f\u4e00\u4ef6\u5f88\u56f0\u96be\u7684\u4e8b\uff0c\u4f60\u53ef\u4ee5\u628a\u4fdd\u5355\u7684\u7535\u5b50\u7248\uff08soft copy\uff09\u50a8\u5b58\u5728\u7535\u8111\u6216\u624b\u673a\u91cc\u3002<\/p>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e6%9f%a5%e8%af%a2%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e6%88%aa%e6%ad%a2%e6%97%a5%e6%9c%9f%ef%bc%9f\/#%E4%B8%8A%E7%BD%91%E6%9F%A5%E8%AF%A2%E8%BD%A6%E9%99%A9%E7%9A%84%E6%88%AA%E6%AD%A2%E6%97%A5%E6%9C%9F\">\u4e0a\u7f51\u67e5\u8be2<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u4f60\u8fd8\u53ef\u4ee5\u901a\u8fc7<a href=\"https:\/\/www.mycarinfo.com.my\/\">MyCarInfo<\/a>\u4e0a\u7f51\u67e5\u8be2\u8f66\u9669\u7684\u622a\u6b62\u65e5\u671f\uff0c\u8fd9\u9879\u670d\u52a1\u662f\u514d\u8d39\u7684\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E9%80%89%E6%8B%A9%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u5982\u4f55\u9009\u62e9\u6c7d\u8f66\u4fdd\u9669\uff1f<span 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href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/\">\u6c7d\u8f66\u4fdd\u9669\u6388\u6743\u7684\u7ef4\u4fee\u5382<\/a>\uff0c\u4f60\u53ef\u80fd\u4f1a<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/#%E4%B8%BA%E4%BA%86%E7%B4%A2%E8%B5%94%E4%BF%9D%E9%99%A9\">\u7d22\u8d54\u4e0d\u6210\u529f<\/a>\u3002<\/p>\n\n\n\n<ul><li><strong>\u9009\u62e9\u4f20\u7edf\u4fdd\u9669\u6216\u56de\u6559\u4fdd\u9669<\/strong><\/li><\/ul>\n\n\n\n<p>\u56de\u6559\u4fdd\u9669\u662f\u7b26\u5408\u4f0a\u65af\u5170\u6cd5\u7684\u4fdd\u5355\uff0c\u4f46\u4efb\u4f55\u4eba\u90fd\u53ef\u4ee5\u8d2d\u4e70\u56de\u6559\u4fdd\u9669\uff0c\u4e0d\u4ec5\u4ec5\u662f\u7a46\u65af\u6797\u3002\u4f60\u53ef\u4ee5\u9009\u62e9\u4e3a\u4f60\u7684\u6c7d\u8f66\u8d2d\u4e70\u4f20\u7edf\u4fdd\u9669\u6216\u56de\u6559\u4fdd\u9669\u3002<\/p>\n\n\n\n<ul><li><strong>\u6bd4\u8f83\u4fdd\u9669\u516c\u53f8\u7684\u670d\u52a1\u54c1\u8d28<\/strong><\/li><\/ul>\n\n\n\n<p>\u6211\u4eec\u5efa\u8bae\u4f60\u9009\u62e9\u63d0\u4f9b24\u5c0f\u65f6\u670d\u52a1\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u4ee5\u8ba9\u4f60\u5728\u53d1\u751f\u610f\u5916\u65f6\uff0c\u968f\u65f6\u90fd\u80fd\u4e0e\u4fdd\u9669\u516c\u53f8\u8054\u7cfb\u3002\u4f60\u4e5f\u53ef\u4ee5\u67e5\u8be2\u4fdd\u9669\u516c\u53f8\u7684\u7d22\u8d54\u65b9\u5f0f\u3002\u7b80\u5355\u7684\u7d22\u8d54\u6d41\u7a0b\u4ee5\u53ca\u5feb\u901f\u83b7\u5f97\u8d54\u507f\u7684\u670d\u52a1\u624d\u80fd\u5728\u4f60\u6700\u9700\u8981\u7684\u65f6\u5019\u5e2e\u5230\u4f60\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E6%9B%B4%E6%96%B0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u5982\u4f55\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u66f4\u65b0\u8f66\u9669\u7684\u4e24\u4e2a\u65b9\u6cd5\uff1a<\/p>\n\n\n\n<ul><li><strong>\u4ea4\u7531\u4fdd\u9669\u4ee3\u7406\u5904\u7406<\/strong><\/li><\/ul>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u901a\u8fc7\u5408\u683c\u7684\u4fdd\u9669\u4ee3\u7406\u66f4\u65b0\u4f60\u7684\u6c7d\u8f66\u4fdd\u9669\u3002\u4fdd\u9669\u4ee3\u7406\u5c06\u6839\u636e\u4f60\u7684\u9700\u6c42\u3001\u98ce\u9669\u53ca\u9884\u7b97\u7ed9\u4e88\u5efa\u8bae\uff0c\u4ee5\u4fbf\u5e2e\u4f60\u8d2d\u4e70\u9002\u5408\u7684\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<ul><li><strong><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%9a%e4%b8%8a%e7%bd%91%e8%b4%ad%e4%b9%b0-vs-%e4%bf%9d%e9%99%a9%e4%bb%a3%e7%90%86\/#%E6%96%B0%E5%B8%B8%E6%80%81%EF%BC%9A%E4%B8%8A%E7%BD%91%E8%B4%AD%E4%B9%B0%E4%BF%9D%E9%99%A9\">\u7ebf\u4e0a\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669<\/a><\/strong><\/li><\/ul>\n\n\n\n<p>\u968f\u7740\u79d1\u6280\u7684\u8fdb\u6b65\uff0c\u5f88\u591a\u4e8b\u60c5\u53ea\u9700\u8981\u7528\u624b\u6307\u52a8\u4e00\u52a8\u5c31\u80fd\u7b80\u5355\u5904\u7406\uff0c\u5305\u62ec\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u3002\u76ee\u524d\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u90fd\u63d0\u4f9b\u7ebf\u4e0a\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u7684\u670d\u52a1\uff0c\u4ee5\u65b9\u4fbf\u8f66\u4e3b\u81ea\u884c\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p>\u4e3a\u4e86\u4ee5\u4f18\u60e0\u7684\u4ef7\u683c\u83b7\u5f97\u6700\u4f73\u4fdd\u969c\uff0c\u6211\u4eec\u5efa\u8bae\u4f60\u66f4\u65b0\u524d\uff0c\u5148\u505a\u6bd4\u8f83\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a<a 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data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u4fdd\u5355\u91cc\u7684\u91cd\u8981\u6761\u6b3e\" class=\"wp-image-28918\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6244735608203358054.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u6388\u6743\u53f8\u673a\uff1a\u6307\u5728\u4fdd\u5355\u4e2d\u6307\u5b9a\u53ef\u4ee5\u9a7e\u9a76\u4f60\u7684\u6c7d\u8f66\u7684\u4eba\u3002\u5982\u679c\u4f60\u7684\u6c7d\u8f66\u662f\u7531\u6388\u6743\u53f8\u673a\u9a7e\u9a76\u7684\uff0c\u53ea\u8981\u4ed6\u4eec\u6301\u6709\u76f8\u5173\u7c7b\u578b\u7684\u6709\u6548\u9a7e\u9a76\u6267\u7167\uff0c\u4e07\u4e00\u53d1\u751f\u8f66\u7978\u7d22\u8d54\u4fdd\u9669\u65f6\u5c31\u65e0\u9700\u7f34\u4ed8<a href=\"https:\/\/bjak.my\/blog\/%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e4%b8%ba%e4%bb%80%e4%b9%88%e8%a6%81%e9%a2%9d%e5%a4%96%e6%94%af%e4%bb%98excess\/#%E5%BC%BA%E5%88%B6%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88compulsory_excess%EF%BC%89\">\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08compulsory excess\uff09<\/a>\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%E7%B4%A2%E8%B5%94%E4%BF%9D%E9%99%A9%E4%B8%BA%E4%BB%80%E4%B9%88%E8%A6%81%E9%A2%9D%E5%A4%96%E6%94%AF%E4%BB%98excess\/\">\u81ea\u4ed8\u91d1\u989d<\/a>\uff08excess\uff09\uff1a\u6307\u7684\u662f\u8f66\u4e3b\uff08\u4fdd\u5355\u6301\u6709\u4eba\uff09\u5728\u906d\u9047\u8f66\u7978\u540e\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u507f\u65f6\uff08\u65e0\u8bba\u8f66\u4e3b\u662f\u4e0d\u662f\u8087\u7978\u8005\uff09\uff0c\u9700\u8981\u81ea\u884c\u627f\u62c5\u90e8\u4efd\u7279\u5b9a\u6570\u989d\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/\">\u989d\u5916\u4fee\u8f66\u8d39\u7528<\/a>\uff08betterment\uff09\uff1a\u989d\u5916\u4fee\u8f66\u8d39\u7528\u6307\u7684\u662f\u4fdd\u5355\u6301\u6709\u4eba\u5728<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/\">\u6c7d\u8f66\u7ef4\u4fee\u5382<\/a>\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u5fc5\u987b\u627f\u62c5\u7684\u65b0\u96f6\u4ef6\u7684\u989d\u5916\u4fee\u8f66\u8d39\u7528\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89\">\u989d\u5916\u4fdd\u8d39<\/a>\uff08loading\uff09\uff1a\u989d\u5916\u4fdd\u8d39\u6307\u7684\u662f\u9ad8\u98ce\u9669\u8f66\u4e3b\u9700\u8981\u652f\u4ed8\u7684\u989d\u5916\u6b3e\u9879\u3002\u989d\u5916\u4fdd\u8d39\u4e00\u822c\u6839\u636e\u51e0\u4e2a\u56e0\u7d20\u6240\u5b9a\uff0c\u5982\u5e74\u9f84\u3001\u9a7e\u9a76\u4e60\u60ef\u3001\u5f15\u64ce\u5bb9\u91cf\u3001\u9a7e\u9a76\u8bb0\u5f55\u53ca\u4e4b\u524d\u7684\u7d22\u8d54\u9891\u7387\u3002<\/p>\n\n\n\n<p>\u4fdd\u9669\u6279\u5355\uff08 insurance endorsement\uff09\uff1a\u7531\u4fdd\u9669\u516c\u53f8\u7b7e\u53d1\u7684\u6587\u4ef6\u6216\u8868\u683c\uff0c\u7528\u4e8e\u786e\u8ba4\u4fdd\u9669\u516c\u53f8\u540c\u610f\u6295\u4fdd\u4eba\u8981\u6c42\u66f4\u6539\u4fdd\u5355\u5185\u5bb9\u7684\u4e66\u9762\u6587\u4ef6\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%9F\"><\/span>\u5982\u4f55\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4e0d\u5e78\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u53ea\u8981\u62e5\u6709\u6709\u6548\u4e14\u5168\u9762\u7684\u6c7d\u8f66\u4fdd\u9669\uff0c\u4f60\u5c31\u65e0\u9700\u592a\u8fc7\u62c5\u5fc3\uff0c\u56e0\u4e3a\u53ea\u8981\u7b26\u5408\u6761\u4ef6\uff0c\u4f60\u5c31\u4f1a\u83b7\u5f97\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u4fdd\u9669\u7d22\u8d54\u7684\u7c7b\u578b\uff0c\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul><li><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>\uff08Own Damage Claim\uff09\uff1a\u5f53\u8f66\u7978\u662f\u56e0\u4e3a\u8f66\u4e3b\u672c\u8eab\u7684\u8fc7\u5931\u6240\u9020\u6210\u7684\uff0c\u8f66\u4e3b\u5c31\u53ea\u80fd\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u63d0\u51fa\u7d22\u8d54\u3002\u53ea\u6709<a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u7684\u4fdd\u5355\u6301\u6709\u4eba\u624d\u80fd\u63d0\u51fa\u6b64\u7d22\u8d54\uff0c\u7efc\u5408\u578b\u4fdd\u9669\u63d0\u4f9b\u5168\u9762\u4fdd\u969c\u4e88\u7b2c\u4e00\u65b9\uff08\u60a8\uff09\u53ca\u7b2c\u4e09\u65b9\u3002<\/li><\/ul>\n\n\n\n<ul><li><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%E8%BA%AB%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%88OWN_DAMAGE_KNOCK-FOR-KNOCK_CLAIM_%EF%BC%89OD_KFK_CLAIM\">\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54<\/a>\uff08OWN DAMAGE KNOCK-FOR-KNOCK CLAIM \uff09\uff1a\u5982\u679c\u4f60\u4e0e\u53e6\u4e00\u65b9\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u5e76\u4e14\u786e\u8ba4\u4e0d\u662f\u4f60\u7684\u8fc7\u9519\uff0c\u4f60\u53ef\u4ee5\u5148\u4ece\u81ea\u5df1\u7684\u4fdd\u9669\u4e2d\u7d22\u8d54\uff0c\u7136\u540e\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u3002\u60a8\u7684\u7ef4\u4fee\u8d39\u7528\u5c06\u5148\u7531\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u627f\u62c5\uff0c\u4f46\u4e0d\u5f71\u54cd\u60a8\u7684NCD\u3002\u53ea\u6709\u5728\u62e5\u6709\u7efc\u5408\u578b\u4fdd\u9669\u7684\u60c5\u51b5\u4e0b\u624d\u80fd\u63d0\u51fa\u6b64\u7d22\u8d54\u3002<\/li><\/ul>\n\n\n\n<ul><li><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\/\">\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54<\/a>\uff08THIRD PARTY CLAIM \uff09\uff1a\u5f53\u8f66\u7978\u662f\u56e0\u4e3a\u5bf9\u65b9\u7684\u758f\u5ffd\u6216\u8fc7\u5931\u6240\u9020\u6210\u65f6\uff0c\u4f60\u5c31\u53ef\u4ee5\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u63d0\u51fa\u7d22\u8d54\u3002\u63d0\u51fa\u7b2c\u4e09\u65b9\u7d22\u8d54\u6709\u4e24\u79cd\u65b9\u5f0f\uff0c\u5373\u76f4\u63a5\u5c06\u7d22\u8d54\u63d0\u4ea4\u7ed9\u6709\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u6216\u8005\u5c06\u7d22\u8d54\u4ea4\u7ed9\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\uff08\u7efc\u5408\u578b\u4fdd\u9669\uff09\u3002<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E6%AD%A5%E9%AA%A4\"><\/span>\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u7684\u6b65\u9aa4<span 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