{"id":42909,"date":"2023-09-20T13:20:00","date_gmt":"2023-09-20T05:20:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=42909"},"modified":"2023-09-17T18:29:28","modified_gmt":"2023-09-17T10:29:28","slug":"tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9","title":{"rendered":"Tokio Marine &#8211; \u503c\u5f97\u8003\u8651\u7684\u4e09\u5927\u4fdd\u9669"},"content":{"rendered":"\n<p>\u63d0\u5230\u6c7d\u8f66\u4fdd\u9669\uff0c\u6211\u4eec\u5f80\u5f80\u4f1a\u9a6c\u4e0a\u8054\u60f3\u5230\u67d0\u4e9b\u54c1\u724c\uff0c\u8fd9\u662f\u56e0\u4e3a\u5b83\u4eec\u5728\u5e02\u573a\u4e0a\u7684\u77e5\u540d\u5ea6\u548c\u53d7\u8f66\u4e3b\u559c\u7231\u7a0b\u5ea6\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u60c5\u51b5\u4e0b\uff0c\u8bb8\u591a\u8f66\u4e3b\u90fd\u503e\u5411\u4e8e\u957f\u65f6\u95f4\u4f7f\u7528\u540c\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\uff0c\u56e0\u4e3a\u4ed6\u4eec\u5bf9\u5176\u5b83\u54c1\u724c\u4e86\u89e3\u8f83\u5c11\u3002\u7136\u800c\uff0c\u8003\u8651\u66f4\u6362\u4fdd\u9669\u516c\u53f8\u662f\u4e00\u4e2a\u660e\u667a\u7684\u9009\u62e9\uff0c\u56e0\u4e3a\u8fd9\u53ef\u80fd\u4f1a\u8ba9\u60a8\u53d1\u73b0\u66f4\u4f18\u8d28\u7684\u6c7d\u8f66\u4fdd\u9669\u9009\u62e9\u3002\u4ee5Tokio Marine\u4e3a\u4f8b\uff0c\u8fd9\u5bb6\u5546\u4e1a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u5305\u62ec\u8f66\u9669\u5728\u5185\u7684\u591a\u79cd\u4fdd\u9669\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p>\u5728\u672c\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u4e3a\u60a8\u4ecb\u7ecd\u8be5\u516c\u53f8\u63a8\u51fa\u7684\u4e09\u5927\u79c1\u5bb6\u8f66\u4fdd\u9669\u914d\u5957\uff0c\u5e76\u7740\u91cd\u4ecb\u7ecd\u6bcf\u4e2a\u914d\u5957\u7684\u4e3b\u8981\u4f18\u70b9\u3002<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article115\" style=\"background-color:#f6b650\" target=\"_blank\" rel=\"noreferrer noopener\">\u7d22\u53d6\u62a5\u4ef7<\/a><\/div>\n<\/div>\n\n\n\n<p><\/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-69d384c3b8d7b\" 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-69d384c3b8d7b\"><\/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\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9\/#%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9_%E2%80%93_%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\" title=\"\u7efc\u5408\u578b\u4fdd\u9669 &#8211; \u5168\u9762\u4fdd\u969c\">\u7efc\u5408\u578b\u4fdd\u9669 &#8211; \u5168\u9762\u4fdd\u969c<\/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\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9\/#%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=\"\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669\">\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\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\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9\/#%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9\" title=\"\u7b2c\u4e09\u65b9\u4fdd\u9669\">\u7b2c\u4e09\u65b9\u4fdd\u9669<\/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\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9\/#%E7%B4%A2%E8%B5%94%E7%A8%8B%E5%BA%8F\" title=\"\u7d22\u8d54\u7a0b\u5e8f\">\u7d22\u8d54\u7a0b\u5e8f<\/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\/tokio-marine-%e5%80%bc%e5%be%97%e8%80%83%e8%99%91%e7%9a%84%e4%b8%89%e5%a4%a7%e4%bf%9d%e9%99%a9\/#%E9%82%A3%E8%A6%81%E5%A6%82%E4%BD%95%E7%B4%A2%E8%B5%94%EF%BC%9F\" title=\"\u90a3\u8981\u5982\u4f55\u7d22\u8d54\uff1f\">\u90a3\u8981\u5982\u4f55\u7d22\u8d54\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9_%E2%80%93_%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\"><\/span><strong>\u7efc\u5408\u578b\u4fdd\u9669 &#8211; \u5168\u9762\u4fdd\u969c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728Tokio Marine\u7684\u7efc\u5408\u578b\u4fdd\u9669\u4e0b\uff0c\u60a8\u53ef\u4ee5\u4eab\u6709\u4ee5\u4e0b\u597d\u5904\uff1a<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u4eba\u8eab\u4f24\u4ea1\u7d22\u8d54<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u8d22\u7269\u635f\u5931\u6216\u635f\u6bc1<\/p>\n\n\n\n<p>&#8211; \u56e0\u706b\u707e\u3001\u76d7\u7a83\u6216\u610f\u5916\u5bfc\u81f4\u60a8\u8f66\u5b50\u635f\u5931\u6216\u635f\u6bc1<\/p>\n\n\n\n<p>\u6b64\u5916\uff0cTokio Marine\u8fd8\u4e3a\u60a8\u7684\u4fdd\u5355\u63d0\u4f9b\u4e00\u7cfb\u5217\u7684\u9644\u52a0\u4fdd\u969c\uff0c\u4f46\u60a8\u9700\u652f\u4ed8\u989d\u5916\u4fdd\u8d39\u3002\u8fd9\u4e9b\u4fdd\u969c\u5305\u62ec\u4e86\uff1a<\/p>\n\n\n\n<p>&#8211; \u6c7d\u8f66\u5927\u955c\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u6cd5\u5f8b\u8d23\u4efb\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u81ea\u7136\u707e\u5bb3\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u9a9a\u4e71\u6216\u6c11\u4e8b\u7834\u574f\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u8bc4\u4f30\u7ef4\u4fee\u65f6\u95f4\u4fdd\u969c\uff08CART\uff09<\/p>\n\n\n\n<p>&#8211; \u65e0\u9650\u5236\u62d6\u8f66\u670d\u52a1<\/p>\n\n\n\n<p>&#8211; \u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38994\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-after-an-accident-know-when-to-take-action\/attachment\/crash-gcada55698_1280\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=1280%2C850&amp;ssl=1\" data-orig-size=\"1280,850\" 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=\"insurance claim\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=1080%2C717&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"717\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=1080%2C717&#038;ssl=1\" alt=\"\" class=\"wp-image-38994\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=1080%2C717&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=768%2C510&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%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><strong>\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tokio Marine\u63d0\u4f9b\u7684\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669\u4e0b\uff0c\u53ef\u4ee5\u83b7\u5f97\u4ee5\u4e0b\u4fdd\u969c\uff1a<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u4eba\u8eab\u4f24\u4ea1<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u8d22\u4ea7\u635f\u5931\u6216\u635f\u574f<\/p>\n\n\n\n<p>&#8211; \u60a8\u7684\u8f66\u5b50\u56e0\u610f\u5916\u706b\u707e\u6216\u76d7\u7a83\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9\"><\/span><strong>\u7b2c\u4e09\u65b9\u4fdd\u9669<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8fd9\u662f\u6700\u57fa\u672c\u7684\u4fdd\u9669\u914d\u5957\uff0c\u53d1\u751f\u610f\u5916\u65f6\u53ea\u4fdd\u969c\u7b2c\u4e09\u65b9\uff0c\u6db5\u76d6\uff1a<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u4eba\u8eab\u4f24\u4ea1<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u8d22\u4ea7\u635f\u5931\u6216\u635f\u574f<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E7%B4%A2%E8%B5%94%E7%A8%8B%E5%BA%8F\"><\/span><strong>\u7d22\u8d54\u7a0b\u5e8f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tokio Marine\u6c7d\u8f66\u4fdd\u9669\u7684\u81ea\u635f\u6216\u7b2c\u4e09\u65b9\u7d22\u8d54\u6b65\u9aa4\u90fd\u975e\u5e38\u7b80\u5355\u3002<\/p>\n\n\n\n<p>1. \u5982\u679c\u610f\u5916\u662f\u60a8\u672c\u8eab\u7684\u8fc7\u5931\u6240\u9020\u6210\u7684\uff0c\u90a3\u5c31\u63d0\u51fa\u81ea\u635f\u7d22\u8d54\uff08Own Damage Claim\uff09\u3002<\/p>\n\n\n\n<p>2. \u5982\u679c\u610f\u5916\u786e\u8ba4\u4e0d\u662f\u60a8\u7684\u8fc7\u9519\uff0c\u60a8\u53ef\u4ee5\u9009\u62e9\u63d0\u51fa\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\uff08Own Damage Knock-for-Knock Claim\uff09\uff0c\u800c\u4e0d\u662f\u7b2c\u4e09\u65b9\u7d22\u8d54\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"41506\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/kurnia-car-insurance\/attachment\/claim\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?fit=741%2C494&amp;ssl=1\" data-orig-size=\"741,494\" 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=\"Claim\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?fit=741%2C494&amp;ssl=1\" loading=\"lazy\" width=\"741\" height=\"494\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?resize=741%2C494&#038;ssl=1\" alt=\"Car insurance claim\" class=\"wp-image-41506\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?w=741&amp;ssl=1 741w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Claim.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 741px) 100vw, 741px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%82%A3%E8%A6%81%E5%A6%82%E4%BD%95%E7%B4%A2%E8%B5%94%EF%BC%9F\"><\/span><strong>\u90a3\u8981\u5982\u4f55\u7d22\u8d54\uff1f<\/strong><span 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