{"id":30720,"date":"2022-05-19T10:58:08","date_gmt":"2022-05-19T02:58:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=30720"},"modified":"2022-05-19T10:58:44","modified_gmt":"2022-05-19T02:58:44","slug":"%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97","title":{"rendered":"\u4fdd\u9669\u7d22\u8d54\uff1a\u8f66\u5b50\u88ab\u649e\u540e\u9003\uff0c\u53ef\u4ee5\u7d22\u8d54\u5417\uff1f"},"content":{"rendered":"\n<p>\u4f5c\u4e3a\u4e00\u540d\u5f00\u8f66\u4eba\u58eb\uff0c\u76f8\u4fe1\u5927\u5bb6\u80af\u5b9a\u6709\u542c\u8fc7\u201c\u9a6c\u8def\u5982\u864e\u53e3\u201d\u8fd9\u53e5\u4fd7\u8bdd\uff0c\u53ea\u8981\u884c\u9a76\u5728\u9053\u8def\u4e0a\uff0c\u968f\u65f6\u90fd\u6709\u53d1\u751f\u610f\u5916\u7684\u53ef\u80fd\u3002<\/p>\n\n\n\n<p><a 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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-69d79aebb0a8b\" 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 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/#%E8%BD%A6%E5%AD%90%E8%A2%AB%E6%92%9E%E5%90%8E%E9%80%83%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=\"\u8f66\u5b50\u88ab\u649e\u540e\u9003\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f\">\u8f66\u5b50\u88ab\u649e\u540e\u9003\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-3\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/#%E6%83%85%E5%86%B5%E4%B8%80%EF%BC%9A%E4%BD%A0%E8%AE%B0%E4%B8%8B%E4%BA%86%E5%AF%B9%E6%96%B9%E7%9A%84%E8%BD%A6%E7%89%8C%E5%8F%B7%E7%A0%81\" title=\"\u60c5\u51b5\u4e00\uff1a\u4f60\u8bb0\u4e0b\u4e86\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801\">\u60c5\u51b5\u4e00\uff1a\u4f60\u8bb0\u4e0b\u4e86\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801<\/a><\/li><li class='ez-toc-page-1 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\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/#%E6%83%85%E5%86%B5%E4%BA%8C%EF%BC%9A%E4%BD%A0%E6%B2%A1%E6%9C%89%E5%AF%B9%E6%96%B9%E7%9A%84%E8%BD%A6%E7%89%8C%E5%8F%B7%E7%A0%81\" title=\"\u60c5\u51b5\u4e8c\uff1a\u4f60\u6ca1\u6709\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801\">\u60c5\u51b5\u4e8c\uff1a\u4f60\u6ca1\u6709\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801<\/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\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/#%E6%83%85%E5%86%B5%E4%B8%89%EF%BC%9A%E5%AF%B9%E6%96%B9%E5%A3%B0%E7%A7%B0%E6%84%8F%E5%A4%96%E6%98%AF%E7%94%B1%E4%BD%A0%E5%BC%95%E8%B5%B7%E7%9A%84\" title=\"\u60c5\u51b5\u4e09\uff1a\u5bf9\u65b9\u58f0\u79f0\u610f\u5916\u662f\u7531\u4f60\u5f15\u8d77\u7684\">\u60c5\u51b5\u4e09\uff1a\u5bf9\u65b9\u58f0\u79f0\u610f\u5916\u662f\u7531\u4f60\u5f15\u8d77\u7684<\/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\/%e8%bd%a6%e5%ad%90%e8%a2%ab%e6%92%9e%e5%90%8e%e9%80%83%e5%8f%af%e4%bb%a5%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%e5%90%97\/#%E6%83%85%E5%86%B5%E5%9B%9B%EF%BC%9A%E8%82%87%E4%BA%8B%E8%80%85%E6%B2%A1%E6%9C%89%E8%B4%AD%E4%B9%B0%E8%BD%A6%E9%99%A9\" 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src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo6061907272843505635.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u8f66\u5b50\u88ab\u649e\u540e\u9003\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\"\/><\/figure>\n\n\n\n<p>\u649e\u540e\u9003\uff08\u6216\u79f0\u8087\u4e8b\u9003\u9038\uff09\uff0c\u987e\u540d\u601d\u4e49\u5c31\u662f\u53d1\u751f\u610f\u5916\u4e8b\u6545\u6216\u78b0\u649e\u540e\uff0c\u8087\u4e8b\u8005\uff08\u9020\u6210\u610f\u5916\u7684\u4eba\uff09\u79bb\u5f00\u73b0\u573a\u800c\u6ca1\u6709\u505c\u4e0b\u6765\uff0c\u4ee5\u9003\u907f\u4e8b\u540e\u5904\u7406\u4e0e\u8c03\u67e5\u3002<\/p>\n\n\n\n<p>\u8087\u4e8b\u8005\u5728\u9020\u6210\u610f\u5916\u4e8b\u6545\u540e\u9003\u79bb\u73b0\u573a\u7684\u539f\u56e0\u5f88\u591a\uff0c\u6bd4\u5982\uff1a<\/p>\n\n\n\n<ul><li>\u6709\u72af\u7f6a\u8bb0\u5f55\uff0c\u62c5\u5fc3\u88ab\u62d8\u6355<\/li><li>\u6ca1\u6709\u6709\u6548\u7684\u9a7e\u9a76\u6267\u7167\u3001\u8f66\u9669\u6216\u8def\u7a0e<\/li><li>\u60ca\u614c\u5931\u63aa\uff0c\u4e0d\u77e5\u8be5\u5982\u4f55\u5904\u7406<\/li><\/ul>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u649e\u540e\u9003\u7684\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<ul><li>\u4e00\u8f86\u6c7d\u8f66\u649e\u5230\u4f60\u7684\u8f66\uff0c\u4f46\u5bf9\u65b9\u6ca1\u6709\u505c\u4e0b\u6765\uff0c\u53cd\u800c\u52a0\u901f\u79bb\u5f00\u3002\u4f8b\u5982\u4e0a\u4e2a\u6708\u53d1\u751f\u5728\u5cc7\u682a\u5df4\u8f96\u7684\u649e\u540e\u9003\u4e8b\u4ef6\uff1a<a href=\"https:\/\/www.sinchew.com.my\/20220325\/%E5%B0%91%E5%A6%87%E8%BD%BD%E5%A5%B3%E5%90%83%E6%97%A9%E9%A4%90%E9%81%87%E6%92%9E%E5%90%8E%E9%80%83%E8%BD%A6%E8%BE%86-%E5%A4%AB%E7%BD%91%E4%B8%8A%E5%8F%91%E6%96%87%E6%88%90%E5%8A%9F%E9%92%93%E5%87%BA\/\">\u5c11\u5987\u8f7d\u5973\u5403\u65e9\u9910\u9047\u649e\u540e\u9003\u8f66\u8f86<\/a>\u3002<\/li><li>\u8f66\u5b50\u505c\u5728\u505c\u8f66\u4f4d\u4e0a\u88ab\u649e\u3002\u76f8\u5173\u4f8b\u5b50\u53ef\u53c2\u9605\uff1a<a href=\"https:\/\/bjak.my\/blog\/%E8%BD%A6%E5%AD%90%E5%9C%A8%E5%81%9C%E8%BD%A6%E5%9C%BA%E8%A2%AB%E6%92%9E%E5%8F%AF%E4%BB%A5%E7%B4%A2%E8%B5%94%E4%BF%9D%E9%99%A9%E5%90%97\/\">\u8f66\u5b50\u5728\u505c\u8f66\u573a\u88ab\u649e\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f<\/a><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E8%BD%A6%E5%AD%90%E8%A2%AB%E6%92%9E%E5%90%8E%E9%80%83%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\"><\/span>\u8f66\u5b50\u88ab\u649e\u540e\u9003\uff0c\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f<span 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class=\"ez-toc-section\" id=\"%E6%83%85%E5%86%B5%E4%B8%80%EF%BC%9A%E4%BD%A0%E8%AE%B0%E4%B8%8B%E4%BA%86%E5%AF%B9%E6%96%B9%E7%9A%84%E8%BD%A6%E7%89%8C%E5%8F%B7%E7%A0%81\"><\/span>\u60c5\u51b5\u4e00\uff1a\u4f60\u8bb0\u4e0b\u4e86\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>24\u5c0f\u65f6\u5185\u62a5\u8b66<\/li><\/ul>\n\n\n\n<p>\u8bf7\u5230\u90bb\u8fd1\u7684\u8b66\u5bdf\u5c40\u62a5\u6848\uff0c\u5e76\u5411\u8b66\u65b9\u63d0\u4f9b\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801\uff0c\u8b66\u5bdf\u4f1a\u6839\u636e\u4f60\u63d0\u4f9b\u7684\u8f66\u724c\u53f7\u7801\u53d1\u51fa\u4f20\u7968\uff0c\u5f53\u5bf9\u65b9\u63a5\u5230\u4f20\u7968\u540e\uff0c\u5c31\u8981\u5230\u8b66\u5c40\u62a5\u6848\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u5f3a\u8c03\u7684\u662f\uff0c\u4f60\u5fc5\u987b\u5c3d\u5feb\u5230\u8b66\u5c40\u62a5\u6848\uff0c\u4ee5\u4fdd\u62a4\u81ea\u5df1\uff0c\u907f\u514d\u5bf9\u65b9\u6076\u4eba\u5148\u544a\u72b6\u3002<\/p>\n\n\n\n<ul><li>\u8054\u7cfb\u4fdd\u9669\u516c\u53f8<\/li><\/ul>\n\n\n\n<p>\u901a\u77e5\u4f60\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u5e76\u8be6\u7ec6\u544a\u77e5\u4f60\u7684\u60c5\u51b5\uff0c\u4ed6\u4eec\u5c06\u534f\u52a9\u4f60\u9700\u8981\u91c7\u53d6\u7684\u6b65\u9aa4\uff0c\u5982\uff1a\u5c06\u6c7d\u8f66\u9001\u5f80<a 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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><\/li><\/ul>\n\n\n\n<p>\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u901a\u8fc7\u8b66\u65b9\u67e5\u627e\u8087\u4e8b\u53f8\u673a\uff0c\u5e76\u5411\u5bf9\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\u3002\u7136\u800c\uff0c\u4f60\u9700\u8981\u505a\u597d\u5fc3\u7406\u51c6\u5907\uff0c\u56e0\u4e3a\u8c03\u67e5\u8fc7\u7a0b\u53ef\u80fd\u975e\u5e38\u6d88\u8017\u65f6\u95f4\u548c\u7cbe\u529b\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%83%85%E5%86%B5%E4%BA%8C%EF%BC%9A%E4%BD%A0%E6%B2%A1%E6%9C%89%E5%AF%B9%E6%96%B9%E7%9A%84%E8%BD%A6%E7%89%8C%E5%8F%B7%E7%A0%81\"><\/span>\u60c5\u51b5\u4e8c\uff1a\u4f60\u6ca1\u6709\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u6ca1\u6709\u5bf9\u65b9\u7684\u8f66\u724c\u53f7\u7801\uff0c\u90a3\u4e48\u4f60\u53ef\u4ee5\u505a\u7684\u662f\uff1a<\/p>\n\n\n\n<ul><li>\u81ea\u884c\u8d1f\u8d23\u6c7d\u8f66\u7ef4\u4fee\u8d39<\/li><\/ul>\n\n\n\n<p>\u5982\u679c\u627e\u4e0d\u5230\u8087\u4e8b\u53f8\u673a\uff0c\u5c06\u4f60\u7684\u8f66\u5b50\u9001\u53bb\u4fee\u7406\u5e76\u81ea\u4ed8\u7ef4\u4fee\u8d39\uff0c\u65e0\u9700\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u3002\u5982\u679c\u635f\u574f\u5f88\u5c0f\uff0c\u4f60\u4e5f\u4e0d\u4ecb\u610f\u81ea\u638f\u8170\u5305\uff0c\u8fd9\u4e2a\u505a\u6cd5\u662f\u53ef\u884c\u7684\u3002\u56e0\u4e3a\u8ffd\u67e5\u6848\u4ef6\u4f1a\u82b1\u8d39\u4f60\u7684\u65f6\u95f4\u548c\u7cbe\u529b\uff0c\u800c\u7d22\u8d54\u4fdd\u9669\u4e5f\u4f1a\u5f71\u54cd\u4f60\u7684<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\u7387NCD<\/a>\u3002<\/p>\n\n\n\n<ul><li>\u63d0\u51fa\u201c<a href=\"https:\/\/bjak.my\/blog\/%e4%bf%9d%e9%99%a9%e7%b4%a2%e8%b5%94%ef%bc%9a%e4%bb%80%e4%b9%88%e6%98%af%e6%97%a0%e8%bf%87%e9%94%99%e8%87%aa%e6%8d%9f%e7%b4%a2%e8%b5%94%ef%bc%9f\/\">\u65e0\u8fc7\u9519\u81ea\u635f\u7d22\u8d54<\/a>\u201d\uff08No Fault Own Damage\uff08NFODC\uff09\uff09<\/li><\/ul>\n\n\n\n<p>\u5982\u679c\u6709\u8bc1\u636e\u8bc1\u660e\uff0c\u8b66\u65b9\u4e5f\u5224\u5b9a\u610f\u5916\u4e0d\u662f\u4f60\u7684\u8fc7\u5931\u6240\u9020\u6210\uff0c\u800c\u4f60\u6301\u6709\u7684\u662f<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>\uff0c\u90a3\u4e48\u4f60\u5c31\u53ef\u4ee5\u63d0\u51fa\u201c\u65e0\u8fc7\u9519\u81ea\u635f\u7d22\u8d54\u201d\uff0c\u4e14\u4e0d\u5f71\u54cd\u4f60\u7684<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\u7387NCD<\/a>\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%83%85%E5%86%B5%E4%B8%89%EF%BC%9A%E5%AF%B9%E6%96%B9%E5%A3%B0%E7%A7%B0%E6%84%8F%E5%A4%96%E6%98%AF%E7%94%B1%E4%BD%A0%E5%BC%95%E8%B5%B7%E7%9A%84\"><\/span>\u60c5\u51b5\u4e09\uff1a\u5bf9\u65b9\u58f0\u79f0\u610f\u5916\u662f\u7531\u4f60\u5f15\u8d77\u7684<span 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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\uff0c\u4e14\u5c06\u5931\u53bb\u4f60\u7684NCD\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%83%85%E5%86%B5%E5%9B%9B%EF%BC%9A%E8%82%87%E4%BA%8B%E8%80%85%E6%B2%A1%E6%9C%89%E8%B4%AD%E4%B9%B0%E8%BD%A6%E9%99%A9\"><\/span>\u60c5\u51b5\u56db\uff1a\u8087\u4e8b\u8005\u6ca1\u6709\u8d2d\u4e70\u8f66\u9669<span 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