{"id":43202,"date":"2023-10-03T11:35:00","date_gmt":"2023-10-03T03:35:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43202"},"modified":"2023-10-02T16:42:13","modified_gmt":"2023-10-02T08:42:13","slug":"%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81","title":{"rendered":"\u641e\u4e0d\u6e05\u4ec0\u4e48\u662f\u4e92\u649e\u81ea\u8d54\uff1f\u770b\u5b8c\u4e0d\u5403\u4e8f\uff01"},"content":{"rendered":"\n<p>\u76f8\u4fe1\u5df2\u7ecf\u5f00\u8f66\u591a\u5e74\u7684\u8f66\u4e3b\u90fd\u77e5\u9053\uff0c\u5728\u53d1\u751f\u4ea4\u901a\u4e8b\u6545\u540e\uff0c\u662f\u53ef\u4ee5\u63d0\u51fa\u4e0d\u540c\u7c7b\u578b\u7684\u4fdd\u9669\u7d22\u8d54\uff0c\u5373\uff1a<\/p>\n\n\n\n<p>&#8211; \u81ea\u635f\u7d22\u8d54\uff08Own Damage Claim\uff09<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff08Third Party Claim\uff09<\/p>\n\n\n\n<p>&#8211; \u4e92\u649e\u81ea\u8d54\uff08Own Damage Knock-For-Knock Claim\uff09<\/p>\n\n\n\n<p>\u4eca\u5929\u6211\u4eec\u5c31\u8981\u6765\u8fdb\u4e00\u6b65\u4e86\u89e3\u4ec0\u4e48\u662f\u201c<strong>\u4e92\u649e\u81ea\u8d54\u201d<\/strong>\u3002\u7b80\u5355\u6765\u8bf4\uff0c\u5c31\u662f\u6295\u4fdd\u4eba\u6ca1\u6709\u8fc7\u9519\u7684\u60c5\u51b5\u4e0b\uff0c\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\uff0c\u8fd9\u6837\u4e00\u6765\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u53ef\u4ee5\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u635f\u574f\u8d54\u507f\u3002\u548c\u5178\u578b\u7684\u201c\u7b2c\u4e09\u65b9\u7d22\u8d54\u201d\u76f8\u6bd4\uff0c\u8fd9\u7c7b\u578b\u7684\u7d22\u8d54\u4e3a\u53d7\u5bb3\u8005\u5e26\u6765\u591a\u79cd\u597d\u5904\u3002<\/p>\n\n\n\n<p>\u6216\u8bb8\uff0c\u770b\u5230\u8fd9\u91cc\u4f60\u4f1a\u6709\u4e9b\u56f0\u60d1\uff0c\u5145\u6ee1\u7591\u8651\uff0c\u90a3\u5c31\u7ee7\u7eed\u9605\u8bfb\u672c\u6587\uff0c\u8fdb\u4e00\u6b65\u4e86\u89e3\u4e92\u649e\u81ea\u8d54\u5427\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\/%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E4%B8%BA%E4%BB%80%E4%B9%88%E8%A6%81%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%EF%BC%9F\" title=\"\u4e3a\u4ec0\u4e48\u8981\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff1f\">\u4e3a\u4ec0\u4e48\u8981\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\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%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%E6%9C%89%E4%BB%80%E4%B9%88%E5%A5%BD%E5%A4%84%EF%BC%9F\" 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E9%9C%80%E8%A6%81%E4%BA%9B%E4%BB%80%E4%B9%88%E6%96%87%E4%BB%B6%EF%BC%9F\" title=\"\u9700\u8981\u4e9b\u4ec0\u4e48\u6587\u4ef6\uff1f\">\u9700\u8981\u4e9b\u4ec0\u4e48\u6587\u4ef6\uff1f<\/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\/%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87%EF%BC%88NCD%EF%BC%89%E4%BC%9A%E5%90%A6%E5%8F%97%E5%88%B0%E5%BD%B1%E5%93%8D%EF%BC%9F\" title=\"\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09\u4f1a\u5426\u53d7\u5230\u5f71\u54cd\uff1f\">\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09\u4f1a\u5426\u53d7\u5230\u5f71\u54cd\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%E5%92%8C%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%E7%9A%84%E5%8C%BA%E5%88%AB\" title=\"\u4e92\u649e\u81ea\u8d54\u548c\u81ea\u635f\u7d22\u8d54\u7684\u533a\u522b\">\u4e92\u649e\u81ea\u8d54\u548c\u81ea\u635f\u7d22\u8d54\u7684\u533a\u522b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%90%9e%e4%b8%8d%e6%b8%85%e4%bb%80%e4%b9%88%e6%98%af%e4%ba%92%e6%92%9e%e8%87%aa%e8%b5%94%ef%bc%9f%e7%9c%8b%e5%ae%8c%e4%b8%8d%e5%90%83%e4%ba%8f%ef%bc%81\/#%E4%BA%86%E8%A7%A3%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94\" title=\"\u4e86\u89e3\u4e92\u649e\u81ea\u8d54\">\u4e86\u89e3\u4e92\u649e\u81ea\u8d54<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E4%B9%88%E8%A6%81%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%EF%BC%9F\"><\/span><strong>\u4e3a\u4ec0\u4e48\u8981\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u56e0\u4e3a\u901a\u8fc7\u8fd9\u79cd\u65b9\u5f0f\u7d22\u8d54\uff0c\u53ef\u4ee5\u66f4\u5feb\u83b7\u5f97\u5904\u7406\u548c\u6279\u51c6\uff0c\u8fd9\u6837\u5c31\u53ef\u4ee5\u5728\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u66f4\u5feb\u4fee\u597d\u8f66\u5b50\u3002\u5982\u679c\u901a\u8fc7\u7b2c\u4e09\u65b9\u7d22\u8d54\uff0c\u4e00\u822c\u90fd\u9700\u8981\u66f4\u957f\u7684\u65f6\u95f4\uff0c\u4ece\u800c\u803d\u8bef\u4e86\u8f66\u5b50\u7ef4\u4fee\u5de5\u7a0b\u3002<\/p>\n\n\n\n<p>\u662f\u4e0d\u662f\u6240\u6709\u8f66\u4e3b\u90fd\u6709\u8d44\u683c\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff1f<\/p>\n\n\n\n<p>\u4e0d\u662f\uff01\u53ea\u6709\u6295\u4fdd\u4e86<strong>\u7efc\u5408\u4fdd\u9669<\/strong>\u7684\u8f66\u4e3b\uff0c\u624d\u53ef\u4ee5\u63d0\u51fa\u8fd9\u9879\u7d22\u8d54\u3002\u5982\u679c\u60a8\u6ca1\u6709\u7efc\u5408\u4fdd\u9669\uff0c\u4f46\u53c8\u88ab\u5176\u5b83\u8f66\u5b50\u649e\u5230\u9700\u8981\u7d22\u8d54\uff0c\u90a3\u5c31\u53ea\u80fd\u662f\u7b2c\u4e09\u65b9\u7d22\u8d54\u4e86\u3002<\/p>\n\n\n\n<h2 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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=\"%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%E7%9A%84%E6%9D%A1%E4%BB%B6%E6%98%AF%E4%BB%80%E4%B9%88%EF%BC%9F\"><\/span><strong>\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\u7684\u6761\u4ef6\u662f\u4ec0\u4e48\uff1f<\/strong><span 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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=\"%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87%EF%BC%88NCD%EF%BC%89%E4%BC%9A%E5%90%A6%E5%8F%97%E5%88%B0%E5%BD%B1%E5%93%8D%EF%BC%9F\"><\/span><strong>\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09\u4f1a\u5426\u53d7\u5230\u5f71\u54cd\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0d\u4f1a\uff01\u53ea\u8981\u8bc1\u660e\u60a8\u5728\u8fd9\u8d77\u610f\u5916\u4e2d\u201c\u65e0\u7f6a\u201d\uff0c\u5c31\u53ef\u4ee5\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff0c\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u662f\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u7684\uff0c\u53cd\u800c\u53ef\u4ee5\u66f4\u5feb\u83b7\u5f97\u7d22\u8d54\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%E5%92%8C%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%E7%9A%84%E5%8C%BA%E5%88%AB\"><\/span><strong>\u4e92\u649e\u81ea\u8d54\u548c\u81ea\u635f\u7d22\u8d54\u7684\u533a\u522b<\/strong><span 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