{"id":37662,"date":"2023-05-15T14:15:05","date_gmt":"2023-05-15T06:15:05","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37662"},"modified":"2023-05-15T14:15:08","modified_gmt":"2023-05-15T06:15:08","slug":"%e5%b0%8f%e6%84%8f%e5%a4%96%e4%b9%9f%e8%a6%81%e7%b4%a2%e8%b5%94%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%b0%8f%e6%84%8f%e5%a4%96%e4%b9%9f%e8%a6%81%e7%b4%a2%e8%b5%94%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f","title":{"rendered":"\u5c0f\u610f\u5916\u4e5f\u8981\u7d22\u8d54\u6c7d\u8f66\u4fdd\u9669\u5417\uff1f"},"content":{"rendered":"\n<p>\u201c\u51fa\u4e86\u610f\u5916\uff1f\u8f66\u574f\u4e86\uff1f\u63d0\u51fa\u7d22\u8d54\u5c31\u53ef\u4ee5\u4e86\u5566\uff01\u201d<\/p>\n\n\n\n<p>\u5f00\u8f66\u5728\u5916\uff0c\u96be\u514d\u4f1a\u53d1\u751f\u4ea4\u901a\u4e8b\u6545\u3002\u4f46\uff0c\u5982\u679c\u662f\u8f7b\u5fae\u78b0\u649e\uff0c\u5e94\u8be5\u662f\u79c1\u4e0b\u89e3\u51b3\uff0c\u81ea\u638f\u8170\u5305\uff0c\u8fd8\u662f\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\u5462\uff1f\u4e0d\u7ba1\u662f\u5c0f\u78b0\u649e\u8fd8\u662f\u4e25\u91cd\u7684\u610f\u5916\uff0c\u4f60\u90fd\u6709\u6743\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\u3002\u4f46\uff0c\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u8fd9\u4e9b\u7d22\u8d54\u8bb0\u5f55\u4f1a\u5f71\u54cd\u4f60\u63a5\u4e0b\u6765\u51e0\u5e74\u7684\u4fdd\u8d39\u54e6\uff01<\/p>\n\n\n\n<div 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%b0%8f%e6%84%8f%e5%a4%96%e4%b9%9f%e8%a6%81%e7%b4%a2%e8%b5%94%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E8%8B%A5%E6%84%8F%E5%A4%96%E4%B8%8D%E6%98%AF%E5%9B%A0%E4%B8%BA%E4%BD%A0%E7%96%8F%E5%BF%BD%E5%BC%95%E8%B5%B7\" title=\"\u82e5\u610f\u5916\u4e0d\u662f\u56e0\u4e3a\u4f60\u758f\u5ffd\u5f15\u8d77\">\u82e5\u610f\u5916\u4e0d\u662f\u56e0\u4e3a\u4f60\u758f\u5ffd\u5f15\u8d77<\/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\/%e5%b0%8f%e6%84%8f%e5%a4%96%e4%b9%9f%e8%a6%81%e7%b4%a2%e8%b5%94%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E5%BD%93%E4%BD%A0%E7%9A%84NCD%E4%B8%8D%E4%BC%9A%E5%8F%97%E5%88%B0%E5%BD%B1%E5%93%8D%E6%97%B6\" title=\"\u5f53\u4f60\u7684NCD\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u65f6\">\u5f53\u4f60\u7684NCD\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u65f6<\/a><\/li><li 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title=\"\u5f53\u4f60\u65e0\u6cd5\u627f\u62c5\u4fee\u7406\u8d39\u7528\">\u5f53\u4f60\u65e0\u6cd5\u627f\u62c5\u4fee\u7406\u8d39\u7528<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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\/%e5%b0%8f%e6%84%8f%e5%a4%96%e4%b9%9f%e8%a6%81%e7%b4%a2%e8%b5%94%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%83%85%E5%86%B5%E4%B8%8B%E9%80%89%E6%8B%A9%E8%87%AA%E5%B7%B1%E6%89%BF%E6%8B%85%E7%BB%B4%E4%BF%AE%E8%B4%B9%E7%94%A8%EF%BC%9F\" title=\"\u4ec0\u4e48\u60c5\u51b5\u4e0b\u9009\u62e9\u81ea\u5df1\u627f\u62c5\u7ef4\u4fee\u8d39\u7528\uff1f\">\u4ec0\u4e48\u60c5\u51b5\u4e0b\u9009\u62e9\u81ea\u5df1\u627f\u62c5\u7ef4\u4fee\u8d39\u7528\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-vivid-red-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E8%8B%A5%E6%84%8F%E5%A4%96%E4%B8%8D%E6%98%AF%E5%9B%A0%E4%B8%BA%E4%BD%A0%E7%96%8F%E5%BF%BD%E5%BC%95%E8%B5%B7\"><\/span><strong>\u82e5\u610f\u5916\u4e0d\u662f\u56e0\u4e3a\u4f60\u758f\u5ffd\u5f15\u8d77<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u8fd9\u8d77\u4e8b\u6545\u5e76\u4e0d\u662f\u56e0\u4e3a\u4f60\u7684\u8fc7\u5931\u5f15\u8d77\uff0c\u90a3\u4f60\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\uff0c\u5728\u8fd9\u6837\u7684\u60c5\u51b5\u4e0b\uff0c\u4f60\u7684\u65e0\u7d22\u8d54\u6298\u6263\uff08NCD\uff09\u5e76\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u3002\u90a3\u5982\u679c\u4e0d\u786e\u5b9a\u7a76\u7adf\u662f\u4f60\u6216\u5bf9\u65b9\u9020\u6210\u610f\u5916\u53d1\u751f\uff0c\u5219\u53ef\u4ee5\u5148\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u3002<\/p>\n\n\n\n<p>\u5927\u90e8\u5206\u7684\u7efc\u5408\u578b\u4fdd\u9669\u90fd\u6709\u63d0\u4f9b\u8d23\u4efb\u8fa9\u62a4\u7684\u4fdd\u9669\u798f\u5229\uff0c\u82e5\u6709\u9700\u8981\u8fdb\u884c\u6cd5\u5f8b\u8bc9\u8bbc\uff0c\u4f60\u7684\u4fdd\u9669\u53ef\u4ee5\u652f\u4ed8\u90e8\u5206\u7684\u8bc9\u8bbc\u8d39\u7528\u3002\u53cd\u4e4b\uff0c\u5982\u679c\u4f60\u6ca1\u6709\u63d0\u51fa\u7d22\u8d54\uff0c\u6216\u6ca1\u6709\u544a\u77e5\u4f60\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u90a3\u5c31\u65e0\u6cd5\u4eab\u6709\u8fd9\u9879\u798f\u5229\u5566\u3002<\/p>\n\n\n\n<h2 class=\"has-vivid-red-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E5%BD%93%E4%BD%A0%E7%9A%84NCD%E4%B8%8D%E4%BC%9A%E5%8F%97%E5%88%B0%E5%BD%B1%E5%93%8D%E6%97%B6\"><\/span><strong>\u5f53\u4f60\u7684NCD\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u65f6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u82e5\u610f\u5916\u4e0d\u662f\u56e0\u4e3a\u4f60\u7684\u758f\u5ffd\u5f15\u8d77\uff0c\u4f60\u53ef\u4ee5\u63d0\u51fa\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff08Third Party Claim\uff09\u6216\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\uff08Own Damage Knock-for-Knock Claim\uff09\u3002\u8fd9\u91cc\u8981\u6ce8\u610f\u7684\u662f\uff0c\u53ea\u6709\u8d2d\u4e70\u7efc\u5408\u578b\u4fdd\u9669\u624d\u80fd\u63d0\u51fa\u81ea\u8eab\u4fdd\u9669\u8d54\u507f\uff0c\u5373\u5148\u4ece\u81ea\u5df1\u7684\u4fdd\u9669\u4e2d\u7d22\u8d54\uff0c\u7136\u540e\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\uff0c\u8fd9\u6837\u7684\u7d22\u8d54\u65b9\u5f0f\u4e0d\u53ea\u66f4\u5feb\uff0c\u8fd8\u80fd\u591f\u4e0d\u5f71\u54cd\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"11324\" data-permalink=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a9%be%e8%bd%a6%e4%ba%ba%e5%a3%ab%e5%bf%85%e5%a4%87%e8%a1%8c%e8%bd%a6%e8%ae%b0%e5%bd%95%e4%bb%aa%e9%80%89%e8%b4%ad%e6%94%bb%e7%95%a5\/attachment\/two-drivers-arguing-after-traffic-accident\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?fit=800%2C533&amp;ssl=1\" data-orig-size=\"800,533\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;3.2&quot;,&quot;credit&quot;:&quot;Monkey Business - Fotolia&quot;,&quot;camera&quot;:&quot;Canon EOS-1D X&quot;,&quot;caption&quot;:&quot;??????????????????????????????????????????&quot;,&quot;created_timestamp&quot;:&quot;1383538231&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;120&quot;,&quot;iso&quot;:&quot;400&quot;,&quot;shutter_speed&quot;:&quot;0.003125&quot;,&quot;title&quot;:&quot;Two Drivers Arguing After Traffic Accident&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Two Drivers Arguing After Traffic Accident\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;??????????????????????????????????????????&lt;\/p&gt;\n\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?fit=800%2C533&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"533\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?resize=800%2C533&#038;ssl=1\" alt=\"\" class=\"wp-image-11324\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/HK1D0Ryumx_small.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-vivid-red-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E5%BD%93%E6%84%8F%E5%A4%96%E6%B6%89%E5%8F%8A%E5%88%B0%E6%9C%89%E4%BA%BA%E5%8F%97%E4%BC%A4%E6%97%B6\"><\/span><strong>\u5f53\u610f\u5916\u6d89\u53ca\u5230\u6709\u4eba\u53d7\u4f24\u65f6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4f60\u65e0\u6cd5\u9884\u6d4b\u4e8b\u6545\u9020\u6210\u7684\u4f24\u5bb3\uff0c\u6240\u9700\u7684\u533b\u7597\u8d39\u7528\uff0c\u56e0\u6b64\u6700\u597d\u7684\u65b9\u6cd5\u5c31\u662f\u62a5\u8b66\u5904\u7406\uff0c\u5e76\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\uff0c\u8fd9\u6837\u4e5f\u53ef\u4ee5\u907f\u514d\u81ea\u5df1\u9677\u5165\u9ebb\u70e6\u3002\u6b63\u5982\u524d\u6587\u63d0\u5230\u7684\uff0c\u5927\u591a\u6570\u7684\u7efc\u5408\u578b\u4fdd\u9669\u90fd\u6709\u63d0\u4f9b\u7b2c\u4e09\u65b9\u8d23\u4efb\u7684\u8bc9\u8bbc\u8d54\u507f\uff0c\u6240\u4ee5\u6211\u4eec\u5efa\u8bae\u4f60\u4e0d\u53ea\u662f\u62a5\u8b66\uff0c\u540c\u65f6\u4e5f\u5411\u4fdd\u9669\u516c\u53f8\u62a5\u544a\u4e8b\u6545\u3002<\/p>\n\n\n\n<h2 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class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u82e5\u53ea\u662f<strong>\u8f7b\u5fae\u4e8b\u6545<\/strong>\uff0c\u4e5f\u6ca1<strong>\u6709\u9020\u6210\u4efb\u4f55\u4e00\u65b9\u53d7\u4f24<\/strong>\u7684\u60c5\u51b5\u4e0b\uff0c\u53ef\u4ee5\u8003\u8651\u9009\u62e9\u81ea\u5df1\u627f\u62c5\u7ef4\u4fee\u8d39\u7528\u3002\u8fd9\u6837\u4e00\u6765\uff0c\u4e0d\u53ea\u662f\u53ef\u4ee5\u8282\u7701\u65f6\u95f4\uff0c\u66f4\u91cd\u8981\u7684\u662f\u4f60\u7684\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\u4e5f\u4e0d\u4f1a\u53d7\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u76f8\u4fe1\u5927\u90e8\u5206\u8f66\u4e3b\u4e5f\u6e05\u695a\uff0c\u53ea\u8981\u4e00\u5e74\u5185\u6ca1\u6709\u53d1\u751f\u610f\u5916\uff0c\u6ca1\u6709\u7d22\u8d54\uff0c\u90a3\u4e48\u4e0b\u4e00\u5e74\u4fdd\u8d39\u5c31\u53ef\u4ee5\u83b7\u5f97\u989d\u5916\u6298\u6263\uff0c\u800c\u8fd9\u9879\u6298\u6263\u662f\u9010\u5e74\u589e\u52a0\uff0c\u6700\u9ad8\u53ef\u7d2f\u79ef\u81f355%\u3002\u4f46\u662f\uff0c\u5982\u679c\u95f4\u4e2d\u7d22\u8d54\u4e86\uff0c\u65e0\u7d22\u507f\u6298\u6263\u5c31\u4f1a\u91cd\u65b0\u8c03\u6574\u52300%\u4e86\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c<strong>\u5982\u679c\u4f60\u7684\u7ef4\u4fee\u8d39\u7528\u6bd4\u4f60\u4e0b\u4e00\u5e74\u66f4\u65b0\u4fdd\u9669\u65f6\uff0c\u6240\u53ef\u4ee5\u5f97\u5230\u7684\u6298\u6263\u66f4\u4f4e\u7684\u8bdd\uff0c\u5e94\u8be5\u907f\u514d\u63d0\u51fa\u7d22\u8d54<\/strong>\u3002\u867d\u7136\u9700\u8981\u81ea\u638f\u8170\u5305\u7ef4\u4fee\uff0c\u4f46\u81f3\u5c11\u53ef\u4ee5\u4fdd\u7559\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5857\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-6_-all-driver-someone-yg-tgh-drive-ke-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=1600%2C1068&amp;ssl=1\" data-orig-size=\"1600,1068\" 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=\"All driver coverage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=1024%2C684&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"684\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1.jpg?resize=1024%2C684&#038;ssl=1\" alt=\"All driver coverage\" class=\"wp-image-5857\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=1024%2C684&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=1536%2C1025&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=2048%2C1367&amp;ssl=1 2048w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" 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