{"id":44809,"date":"2024-01-02T12:32:00","date_gmt":"2024-01-02T04:32:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44809"},"modified":"2023-12-29T22:41:13","modified_gmt":"2023-12-29T14:41:13","slug":"%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b","title":{"rendered":"\u65b0\u624b\u53f8\u673a\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\u524d\u987b\u8003\u8651\u76846\u4ef6\u4e8b"},"content":{"rendered":"\n<p>\u4f5c\u4e3a\u4e00\u540d\u65b0\u53f8\u673a\uff0c\u8e0f\u4e0a\u8def\u9014\u7684\u5174\u594b\u65e0\u7591\u662f\u96be\u4ee5\u6291\u5236\u7684\u3002\u7136\u800c\uff0c\u6211\u4eec\u4e5f\u4e0d\u80fd\u5ffd\u7565\u4e86\u8eab\u4e3a\u9a7e\u9a76\u8005\u6240\u9700\u7684\u8d23\u4efb\u3002\u62e5\u6709\u4e00\u4efd\u6709\u6548\u7684\u6c7d\u8f66\u4fdd\u9669\u662f\u4e0d\u53ef\u6216\u7f3a\u7684\uff0c\u5f53\u7136\u5728\u8d2d\u4e70\u524d\u4e86\u89e3\u4e0d\u540c\u516c\u53f8\u4fdd\u5355\u7684\u5dee\u5f02\uff0c\u4ee5\u627e\u5230\u6700\u9002\u5408\u81ea\u5df1\u7684\u4fdd\u5355\uff0c\u66f4\u662f\u81f3\u5173\u91cd\u8981\u7684\u4e00\u6b65\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u5fc5\u4f73\u4e3a\u65b0\u53f8\u673a\u63d0\u4f9b\u7684\u6307\u5357\uff0c\u65e8\u5728\u5e2e\u52a9\u4e86\u89e3\u5728\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\u65f6\u9700\u8981\u6ce8\u610f\u7684\u4e8b\u9879\u3002\u5e0c\u671b\u8fd9\u4efd\u6307\u5357\u80fd\u591f\u5bf9\u6bcf\u4f4d\u65b0\u53f8\u673a\u6709\u6240\u5e2e\u52a9\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\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E9%A9%AC%E6%9D%A5%E8%A5%BF%E4%BA%9A%E7%9A%84%E4%BF%9D%E9%99%A9%E8%A6%81%E6%B1%82\" title=\"\u9a6c\u6765\u897f\u4e9a\u7684\u4fdd\u9669\u8981\u6c42\">\u9a6c\u6765\u897f\u4e9a\u7684\u4fdd\u9669\u8981\u6c42<\/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%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E4%BF%9D%E8%B4%B9%E5%8F%8A%E5%85%B6%E5%BD%B1%E5%93%8D%E5%9B%A0%E7%B4%A0\" title=\"\u4fdd\u8d39\u53ca\u5176\u5f71\u54cd\u56e0\u7d20\">\u4fdd\u8d39\u53ca\u5176\u5f71\u54cd\u56e0\u7d20<\/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\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87%EF%BC%88NCD%EF%BC%89\" title=\"\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09\">\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09<\/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\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%E9%80%89%E9%A1%B9\" title=\"\u9644\u52a0\u4fdd\u9669\u9009\u9879\">\u9644\u52a0\u4fdd\u9669\u9009\u9879<\/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%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E4%BA%86%E8%A7%A3%E6%9D%A1%E6%AC%BE%E5%92%8C%E6%9D%A1%E4%BB%B6\" title=\"\u4e86\u89e3\u6761\u6b3e\u548c\u6761\u4ef6\">\u4e86\u89e3\u6761\u6b3e\u548c\u6761\u4ef6<\/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%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e8%b4%ad%e4%b9%b0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%89%8d%e9%a1%bb%e8%80%83%e8%99%91%e7%9a%846%e4%bb%b6%e4%ba%8b\/#%E5%BF%85%E8%A6%81%E6%97%B6%E5%AF%BB%E6%B1%82%E5%8D%8F%E5%8A%A9\" title=\"\u5fc5\u8981\u65f6\u5bfb\u6c42\u534f\u52a9\">\u5fc5\u8981\u65f6\u5bfb\u6c42\u534f\u52a9<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%A9%AC%E6%9D%A5%E8%A5%BF%E4%BA%9A%E7%9A%84%E4%BF%9D%E9%99%A9%E8%A6%81%E6%B1%82\"><\/span><strong>\u9a6c\u6765\u897f\u4e9a\u7684\u4fdd\u9669\u8981\u6c42<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6839\u636e\u300a1987\u5e74\u9646\u8def\u4ea4\u901a\u6cd5\u4ee4\u300b\uff0c\u6c7d\u8f66\u4fdd\u9669\u662f\u5f3a\u5236\u6027\u7684\uff0c\u5176\u4e3b\u8981\u76ee\u7684\u662f\u5728\u610f\u5916\u4e8b\u4ef6\u53d1\u751f\u65f6\u4fdd\u969c\u60a8\u7684\u7231\u8f66\uff0c\u51cf\u8f7b\u60a8\u5728\u7ef4\u4fee\u65b9\u9762\u7684\u7ecf\u6d4e\u8d1f\u62c5\u3002\u5c3d\u7ba1\u7b2c\u4e09\u65b9\u4fdd\u9669\u662f\u6700\u4f4e\u8981\u6c42\uff0c\u4f46\u6211\u4eec\u5f3a\u70c8\u5efa\u8bae\u65b0\u624b\u53f8\u673a\u9009\u62e9\u7efc\u5408\u578b\u4fdd\u9669\uff0c\u4ee5\u83b7\u5f97\u66f4\u5168\u9762\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BF%9D%E8%B4%B9%E5%8F%8A%E5%85%B6%E5%BD%B1%E5%93%8D%E5%9B%A0%E7%B4%A0\"><\/span><strong>\u4fdd\u8d39\u53ca\u5176\u5f71\u54cd\u56e0\u7d20<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4f5c\u4e3a\u4e00\u540d\u65b0\u624b\u53f8\u673a\uff0c\u60a8\u53ef\u80fd\u4f1a\u88ab\u5f81\u6536\u8f83\u9ad8\u7684\u4fdd\u8d39\uff0c\u8fd9\u662f\u56e0\u4e3a\u60a8\u9a7e\u9a76\u7ecf\u9a8c\u4e0d\u8db3\uff0c\u53ef\u80fd\u4f1a\u5e26\u6765\u8f83\u9ad8\u7684\u98ce\u9669\u3002\u6709\u51e0\u4e2a\u56e0\u7d20\u4f1a\u5f71\u54cd\u4fdd\u8d39\uff0c\u5176\u4e2d\u5305\u62ec\uff1a<\/p>\n\n\n\n<p>a. \u5e74\u9f84\uff1a\u5e74\u8f7b\u7684\u9a7e\u9a76\u5458\u901a\u5e38\u88ab\u8ba4\u4e3a\u7ecf\u9a8c\u5c11\uff0c\u6240\u4ee5\u4fdd\u8d39\u4e00\u822c\u8f83\u9ad8\u3002<\/p>\n\n\n\n<p>b. \u9a7e\u9a76\u7ecf\u9a8c\uff1a\u9a7e\u9a76\u5e74\u9650\u4e5f\u4f1a\u5bf9\u4fdd\u8d39\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\uff0c\u548c\u8001\u53f8\u673a\u76f8\u6bd4\uff0c\u7ecf\u9a8c\u6709\u9650\u7684\u65b0\u53f8\u673a\u53ef\u80fd\u4f1a\u9762\u4e34\u66f4\u9ad8\u7684\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>c. \u8f66\u8f86\u7c7b\u578b\uff1a\u8f66\u8f86\u7c7b\u578b\u3001\u4ef7\u503c\u548c\u5b89\u5168\u6027\u4e5f\u4f1a\u5f71\u54cd\u4fdd\u8d39\u3002\u7ef4\u4fee\u6210\u672c\u8f83\u9ad8\uff0c\u6216\u88ab\u8ba4\u4e3a\u98ce\u9669\u9ad8\u7684\u8f66\u8f86\uff0c\u4fdd\u8d39\u5f80\u5f80\u8f83\u9ad8\u3002<\/p>\n\n\n\n<p>d. \u5730\u7406\u4f4d\u7f6e\uff1a\u5982\u679c\u60a8\u5c45\u4f4f\u7684\u5730\u533a\uff0c\u76d7\u7a83\u548c\u4e8b\u6545\u53d1\u751f\u7684\u51e0\u7387\u8f83\u9ad8\uff0c\u90a3\u4e5f\u4f1a\u5f71\u54cd\u4fdd\u8d39\u7684\u8ba1\u7b97\u3002<\/p>\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\"><\/span><strong>\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08NCD\uff09\uff0c\u65e8\u5728\u5bf9\u4fdd\u5355\u6709\u6548\u671f\u5185\u9a7e\u9a76\u8bb0\u5f55\u826f\u597d\uff0c\u4e14\u672a\u63d0\u51fa\u8fc7\u7d22\u8d54\u7684\u6295\u4fdd\u4eba\u5956\u52b1\u3002\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u8fd9\u4e00\u6298\u6263\u53ef\u5927\u5e45\u964d\u4f4e\u4fdd\u8d39\uff0c\u56e0\u6b64\u65b0\u624b\u53f8\u673a\u5fc5\u987b\u5c06\u5b89\u5168\u9a7e\u9a76\u548c\u907f\u514d\u4e8b\u6545\u653e\u5728\u9996\u4f4d\uff0c\u4ee5\u7ef4\u6301\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"41556\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/kurnia-third-party-car-insurance\/attachment\/auto-insurance-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" data-orig-size=\"617,409\" 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=\"Auto-insurance\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" loading=\"lazy\" width=\"617\" height=\"409\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?resize=617%2C409&#038;ssl=1\" alt=\"Car insurance mistakes\" class=\"wp-image-41556\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?w=617&amp;ssl=1 617w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?resize=300%2C199&amp;ssl=1 300w\" sizes=\"(max-width: 617px) 100vw, 617px\" 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%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%E9%80%89%E9%A1%B9\"><\/span><strong>\u9644\u52a0\u4fdd\u9669\u9009\u9879<\/strong><span 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id=\"%E4%BA%86%E8%A7%A3%E6%9D%A1%E6%AC%BE%E5%92%8C%E6%9D%A1%E4%BB%B6\"><\/span><strong>\u4e86\u89e3\u6761\u6b3e\u548c\u6761\u4ef6<\/strong><span 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class=\"wp-block-image size-large\"><img data-attachment-id=\"38989\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen\/attachment\/pexels-andrea-piacquadio-3760067\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=1600%2C1067&amp;ssl=1\" data-orig-size=\"1600,1067\" 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=\"Car Insurance Claim Denials: 5 Reasons Why It Could Happen\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=1080%2C720&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"720\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067.jpg?resize=1080%2C720&#038;ssl=1\" alt=\"Car insurance renewal\" class=\"wp-image-38989\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1080%2C720&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.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=\"%E5%BF%85%E8%A6%81%E6%97%B6%E5%AF%BB%E6%B1%82%E5%8D%8F%E5%8A%A9\"><\/span><strong>\u5fc5\u8981\u65f6\u5bfb\u6c42\u534f\u52a9<\/strong><span 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