{"id":43757,"date":"2023-11-07T13:46:00","date_gmt":"2023-11-07T05:46:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43757"},"modified":"2023-11-02T21:57:30","modified_gmt":"2023-11-02T13:57:30","slug":"%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%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\/%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%e5%90%97%ef%bc%9f","title":{"rendered":"\u4e24\u79cd\u4e0d\u540c\u7c7b\u578b\u7684\u81ea\u4ed8\u91d1\u989d\uff0c\u4f60\u90fd\u6e05\u695a\u5417\uff1f"},"content":{"rendered":"\n<p>\u60f3\u4e3a\u7231\u8f66\u63d0\u4f9b\u6700\u4f73\u4fdd\u969c\uff0c\u4e86\u89e3\u5e76\u719f\u6089\u4fdd\u9669\u516c\u53f8\u4f7f\u7528\u7684\u5404\u79cd\u672f\u8bed\u81f3\u5173\u91cd\u8981\uff0c\u5176\u4e2d\u5305\u62ec\u201c\u81ea\u4ed8\u91d1\u989d\u201d\uff08excess\uff09\u3002\u5982\u679c\u60a8\u6709\u66f4\u65b0\u8f66\u9669\u7684\u7ecf\u9a8c\uff0c\u80af\u5b9a\u4f1a\u4e86\u89e3\u4fdd\u5355\u4e2d\u7684\u81ea\u4ed8\u91d1\u989d\u6761\u6b3e\uff0c\u6709\u65f6\u4e5f\u79f0\u4e3a\u201c\u514d\u8d54\u989d\u201d\u3002<\/p>\n\n\n\n<p>\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u4f1a\u5c06\u201c\u81ea\u4ed8\u91d1\u989d\u201d\u5206\u4e3a\u4e24\u79cd\u7c7b\u578b\uff0c\u8ba9\u6211\u4eec\u901a\u8fc7\u672c\u7bc7\u6587\u7ae0\u6765\u4e86\u89e3\u4e24\u8005\u4e4b\u95f4\u7684\u533a\u522b\u3002<\/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\/%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u81ea\u4ed8\u91d1\u989d\uff1f\">\u4ec0\u4e48\u662f\u81ea\u4ed8\u91d1\u989d\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\/%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%e5%90%97%ef%bc%9f\/#%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D_VS_%E5%BC%BA%E5%88%B6%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D\" title=\"\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d VS \u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\">\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d VS \u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d<\/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\/%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%e5%90%97%ef%bc%9f\/#%E6%88%91%E5%8F%AF%E4%BB%A5%E6%9B%B4%E6%94%B9%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%E5%90%97%EF%BC%9F\" title=\"\u6211\u53ef\u4ee5\u66f4\u6539\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u5417\uff1f\">\u6211\u53ef\u4ee5\u66f4\u6539\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u5417\uff1f<\/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\/%e4%b8%a4%e7%a7%8d%e4%b8%8d%e5%90%8c%e7%b1%bb%e5%9e%8b%e7%9a%84%e8%87%aa%e4%bb%98%e9%87%91%e9%a2%9d%ef%bc%8c%e4%bd%a0%e9%83%bd%e6%b8%85%e6%a5%9a%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%97%B6%E5%80%99%E6%94%AF%E4%BB%98%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%9F\" title=\"\u4ec0\u4e48\u65f6\u5019\u652f\u4ed8\u81ea\u4ed8\u91d1\u989d\uff1f\">\u4ec0\u4e48\u65f6\u5019\u652f\u4ed8\u81ea\u4ed8\u91d1\u989d\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BB%80%E4%B9%88%E6%98%AF%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u81ea\u4ed8\u91d1\u989d\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\u6307\u7684\u662f\u7d22\u8d54\u4fdd\u9669\u65f6\u9700\u8981\u9884\u5148\u57ab\u4ed8\u7684\u6b3e\u9879\uff0c\u5c31\u7b97\u60a8\u4e0d\u662f\u8087\u4e8b\u8005\uff0c\u4e5f\u5fc5\u987b\u5148\u4ed8\u8fd9\u7b14\u6b3e\u9879\u3002\u4f46\u8981\u6ce8\u610f\u7684\u662f\uff0c\u81ea\u4ed8\u91d1\u989d\u5e76\u4e0d\u5305\u62ec\u706b\u707e\u9020\u6210\u7684\u635f\u574f\u3001\u7206\u70b8\u3001\u7b2c\u4e09\u65b9\u7684\u635f\u574f\uff0c\u4e5f\u4e0d\u5305\u62ec\u7b2c\u4e09\u65b9\u7684\u53d7\u4f24\u7d22\u8d54\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"43468\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-depreciation-rate-malaysia\/attachment\/muscular-car-service-worker-repairing-vehicle_146671-19605\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?fit=626%2C388&amp;ssl=1\" data-orig-size=\"626,388\" 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=\"muscular-car-service-worker-repairing-vehicle_146671-19605\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?fit=300%2C186&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?fit=626%2C388&amp;ssl=1\" loading=\"lazy\" width=\"626\" height=\"388\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?resize=626%2C388&#038;ssl=1\" alt=\"\" class=\"wp-image-43468\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?w=626&amp;ssl=1 626w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/muscular-car-service-worker-repairing-vehicle_146671-19605.jpg?resize=300%2C186&amp;ssl=1 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" 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=\"%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D_VS_%E5%BC%BA%E5%88%B6%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D\"><\/span><strong>\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d VS \u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08Compulsory Excess\uff09<\/strong><\/p>\n\n\n\n<p>&#8211; \u4fdd\u9669\u516c\u53f8\u4e3a\u5e74\u8f7b\u3001\u9ad8\u98ce\u9669\u9a7e\u9a76\u5458\u8bbe\u5b9a\u56fa\u5b9a\u91d1\u989d&nbsp;<\/p>\n\n\n\n<p>&#8211; 21 \u5c81\u4ee5\u4e0b<\/p>\n\n\n\n<p>&#8211; \u6301\u6709\u8bd5\u7528\uff08P\uff09\u6216\u4e34\u65f6\uff08L\uff09\u9a7e\u9a76\u6267\u7167<\/p>\n\n\n\n<p>&#8211; \u9a7e\u9a76\u8005\u540d\u5b57\u6ca1\u6709\u5217\u5728\u4fdd\u5355\u91cc&nbsp;<\/p>\n\n\n\n<p>&#8211; RM400&nbsp;<\/p>\n\n\n\n<p><strong>\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff08Voluntary Excess\uff09<\/strong><\/p>\n\n\n\n<p>&#8211; \u7d22\u8d54\u65f6\u60a8\u613f\u610f\u652f\u4ed8\u7684\u91d1\u989d<\/p>\n\n\n\n<p>&#8211; \u5e74\u8f7b\u8f66\u4e3b\uff0821\u5c81\u4ee5\u4e0b\uff09<\/p>\n\n\n\n<p>&#8211; \u6709\u5931\u7a83\u98ce\u9669\u7684\u8f66\u8f86<\/p>\n\n\n\n<p>&#8211; \u6602\u8d35\u7684\u8f66\u5b50<\/p>\n\n\n\n<p>&#8211; \u6295\u4fdd\u91d1\u989d\u7684\u4e00\u5b9a\u767e\u5206\u6bd4<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%88%91%E5%8F%AF%E4%BB%A5%E6%9B%B4%E6%94%B9%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%E5%90%97%EF%BC%9F\"><\/span><strong>\u6211\u53ef\u4ee5\u66f4\u6539\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u5417\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u53ef\u4ee5\uff0c\u60a8\u53ef\u4ee5\u66f4\u6539\u60a8\u4e0e\u4fdd\u9669\u516c\u53f8\u8bbe\u5b9a\u7684\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff0c\u56e0\u4e3a\u8fd9\u662f\u60a8\u5728\u7d22\u8d54\u65f6\u613f\u610f\u652f\u4ed8\u7684\u91d1\u989d\u3002\u63d0\u9ad8\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff0c\u4f1a\u964d\u4f4e\u60a8\u7684\u6c7d\u8f66\u4fdd\u8d39\uff0c\u4f46\u8fd9\u53ef\u80fd\u4f1a\u5728\u7d22\u8d54\u65f6\u4ea7\u751f\u5f71\u54cd\uff0c\u56e0\u4e3a\u60a8\u9700\u8981\u81ea\u884c\u627f\u62c5\u66f4\u591a\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5373\u4f7f\u60a8\u6709\u80fd\u529b\u652f\u4ed8\u66f4\u9ad8\u7684\u81ea\u4ed8\u91d1\u989d\uff0c\u4e5f\u8981\u5148\u8003\u8651\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u4f1a\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u4fdd\u9669\u4ef7\u683c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38995\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-after-an-accident-know-when-to-take-action\/attachment\/4467122452_11ed16e735_k\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?fit=1600%2C1071&amp;ssl=1\" data-orig-size=\"1600,1071\" 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:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?fit=300%2C201&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?fit=1080%2C723&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"723\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?resize=1080%2C723&#038;ssl=1\" alt=\"\" class=\"wp-image-38995\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?resize=1080%2C723&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?resize=300%2C201&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?resize=768%2C514&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?resize=1536%2C1028&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/4467122452_11ed16e735_k.jpg?w=1600&amp;ssl=1 1600w\" 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=\"%E4%BB%80%E4%B9%88%E6%97%B6%E5%80%99%E6%94%AF%E4%BB%98%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u65f6\u5019\u652f\u4ed8\u81ea\u4ed8\u91d1\u989d\uff1f<\/strong><span 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