{"id":45421,"date":"2024-01-17T13:42:00","date_gmt":"2024-01-17T05:42:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45421"},"modified":"2024-01-13T16:47:05","modified_gmt":"2024-01-13T08:47:05","slug":"%e6%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f","title":{"rendered":"\u6c7d\u8f66\u5168\u635f\uff0c\u5982\u4f55\u5904\u7406\uff1f"},"content":{"rendered":"\n<p>\u5728\u9762\u4e34\u6c7d\u8f66\u4e8b\u6545\u5168\u635f\uff08Total Loss\uff09\u65f6\uff0c\u60a8\u662f\u5426\u66fe\u601d\u8003\u5e94\u8be5\u5982\u4f55\u5e94\u5bf9\uff1f<\/p>\n\n\n\n<p>\u6216\u8bb8\u6709\u4e9b\u4eba\u5bf9\u4e8e\u201c\u5168\u635f\u201d\u8fd9\u4e00\u6982\u5ff5\u5e76\u4e0d\u751a\u4e86\u89e3\uff0c\u56e0\u6b64\u5728\u672c\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u9996\u5148\u8fdb\u884c\u7b80\u8981\u89e3\u91ca\uff0c\u7136\u540e\u63d0\u4f9b\u6709\u5173\u7d22\u8d54\u4e8b\u9879\u7684\u4fe1\u606f\uff0c\u5e0c\u671b\u5bf9\u60a8\u6709\u6240\u5e2e\u52a9\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-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background\" href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article226\" 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-69d7868c57261\" 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\" 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%83%85%E5%86%B5%E4%B8%8B%E8%BD%A6%E8%BE%86%E4%BC%9A%E8%A2%AB%E8%AE%A4%E5%AE%9A%E4%B8%BA%E5%85%A8%E6%8D%9F%EF%BC%9F\" title=\"\u4ec0\u4e48\u60c5\u51b5\u4e0b\u8f66\u8f86\u4f1a\u88ab\u8ba4\u5b9a\u4e3a\u5168\u635f\uff1f\">\u4ec0\u4e48\u60c5\u51b5\u4e0b\u8f66\u8f86\u4f1a\u88ab\u8ba4\u5b9a\u4e3a\u5168\u635f\uff1f<\/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%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/#%E5%85%A8%E6%8D%9F%E8%BD%A6%E8%BE%86%E7%9A%84%E8%B5%94%E5%81%BF%E9%87%91%E9%A2%9D%E6%98%AF%E5%A4%9A%E5%B0%91%EF%BC%9F\" title=\"\u5168\u635f\u8f66\u8f86\u7684\u8d54\u507f\u91d1\u989d\u662f\u591a\u5c11\uff1f\">\u5168\u635f\u8f66\u8f86\u7684\u8d54\u507f\u91d1\u989d\u662f\u591a\u5c11\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\/%e6%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/#%E5%93%AA%E4%BA%9B%E4%BF%9D%E9%99%A9%E9%85%8D%E5%A5%97%E5%8F%AF%E4%BB%A5%E6%8F%90%E5%87%BA%E7%B4%A2%E8%B5%94%EF%BC%9F\" title=\"\u54ea\u4e9b\u4fdd\u9669\u914d\u5957\u53ef\u4ee5\u63d0\u51fa\u7d22\u8d54\uff1f\">\u54ea\u4e9b\u4fdd\u9669\u914d\u5957\u53ef\u4ee5\u63d0\u51fa\u7d22\u8d54\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%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/#%E9%A9%BE%E9%A9%B6%E8%80%85%E4%B8%8D%E6%98%AF%E8%BD%A6%E4%B8%BB%E6%9C%AC%E4%BA%BA%EF%BC%8C%E6%98%AF%E5%90%A6%E5%8F%AF%E4%BB%A5%E6%8F%90%E5%87%BA%E7%B4%A2%E8%B5%94%EF%BC%9F\" title=\"\u9a7e\u9a76\u8005\u4e0d\u662f\u8f66\u4e3b\u672c\u4eba\uff0c\u662f\u5426\u53ef\u4ee5\u63d0\u51fa\u7d22\u8d54\uff1f\">\u9a7e\u9a76\u8005\u4e0d\u662f\u8f66\u4e3b\u672c\u4eba\uff0c\u662f\u5426\u53ef\u4ee5\u63d0\u51fa\u7d22\u8d54\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%b1%bd%e8%bd%a6%e5%85%a8%e6%8d%9f%ef%bc%8c%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/#%E5%85%A8%E6%8D%9F%E8%BD%A6%E8%BE%86%E5%90%8E%E7%9A%84%E5%A4%84%E7%90%86%E6%96%B9%E5%BC%8F%E6%98%AF%E4%BB%80%E4%B9%88%EF%BC%9F\" title=\"\u5168\u635f\u8f66\u8f86\u540e\u7684\u5904\u7406\u65b9\u5f0f\u662f\u4ec0\u4e48\uff1f\">\u5168\u635f\u8f66\u8f86\u540e\u7684\u5904\u7406\u65b9\u5f0f\u662f\u4ec0\u4e48\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%E5%85%A8%E6%8D%9F%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u5168\u635f\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u53ea\u8981\u8f66\u8f86\u53d1\u751f\u4ee5\u4e0b\u4e24\u79cd\u60c5\u51b5\u4e4b\u4e00\uff0c\u5c31\u4f1a\u88ab\u5224\u5b9a\u4e3a\u5168\u635f\uff1a<\/p>\n\n\n\n<p>1. \u8f66\u8f86\u88ab\u76d7<\/p>\n\n\n\n<p>2. \u8f66\u8f86\u56e0\u5b89\u5168\u9690\u60a3\u3001\u65e0\u6cd5\u4fee\u7406\uff0c\u6216\u8005\u7ef4\u4fee\u8d39\u7528\u5df2\u7ecf\u8d85\u8fc7\u8f66\u8f86\u7684\u5b9e\u9645\u4ef7\u503c<\/p>\n\n\n\n<p>\u5bf9\u4e8e\u7b2c\u4e8c\u79cd\u60c5\u51b5\uff0c\u8bb8\u591a\u8f66\u4e3b\u53ef\u80fd\u611f\u5230\u56f0\u60d1\u3002\u5982\u679c\u60a8\u4e5f\u6709\u540c\u6837\u7684\u7591\u95ee\uff0c\u90a3\u5c31\u7ee7\u7eed\u9605\u8bfb\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5972\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/attachment\/image-4_-gambar-kereta-dicuri\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-4_-Gambar-kereta-dicuri\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-5972\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Gambar-kereta-dicuri.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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%83%85%E5%86%B5%E4%B8%8B%E8%BD%A6%E8%BE%86%E4%BC%9A%E8%A2%AB%E8%AE%A4%E5%AE%9A%E4%B8%BA%E5%85%A8%E6%8D%9F%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u60c5\u51b5\u4e0b\u8f66\u8f86\u4f1a\u88ab\u8ba4\u5b9a\u4e3a\u5168\u635f\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5b9e\u9645\u4e0a\uff0c\u5728\u4ea4\u901a\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u9996\u5148\u4f1a\u68c0\u67e5\u60a8\u8d2d\u4e70\u7684\u4fdd\u9669\u91d1\u989d\uff0c\u4ee5\u786e\u5b9a\u7ef4\u4fee\u8d39\u7528\u662f\u5426\u7b26\u5408\u8f66\u8f86\u7684\u5e02\u573a\u4ef7\u503c\u3002\u5982\u679c\u8f66\u8f86\u7684\u7ef4\u4fee\u8d39\u7528\u8d85\u8fc7\u4e86\u5176\u5b9e\u9645\u4ef7\u503c\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u5ba3\u5e03\u8f66\u8f86\u5c5e\u4e8e\u201cBeyond Economic 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class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e00\u822c\u6765\u8bf4\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u6839\u636e\u8f66\u8f86\u7684\u4fdd\u9669\u91d1\u989d\u786e\u5b9a\u8d54\u507f\u91d1\u989d\u3002\u56e0\u6b64\uff0c\u5728\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\uff0c\u8bf7\u8003\u8651\u6839\u636e\u5e02\u573a\u4ef7\u503c\u6216\u7ea6\u5b9a\u4ef7\u503c\u6765\u9009\u62e9\u4fdd\u9669\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u9009\u62e9\u5e02\u573a\u4ef7\u503c\uff0c\u8d54\u507f\u91d1\u989d\u5c06\u57fa\u4e8e\u8f66\u8f86\u5168\u635f\u65f6\u7684\u5e02\u573a\u4ef7\u503c\uff0c\u800c\u4e0d\u662f\u5728\u66f4\u65b0\u8f66\u9669\u65f6\u4f30\u7b97\u7684\u4ef7\u503c\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u9009\u62e9\u7ea6\u5b9a\u4ef7\u503c\uff0c\u5373\u4f60\u4e0e\u4fdd\u9669\u516c\u53f8\u53cc\u65b9\u540c\u610f\u7684\u7279\u5b9a\u91d1\u989d\uff0c\u90a3\u4e48\u4e0d\u4f1a\u56e0\u8f66\u8f86\u5e02\u573a\u4ef7\u503c\u4e0b\u964d\u800c\u66f4\u6539\u3002\u4fdd\u9669\u516c\u53f8\u5c06\u6309\u7167\u4e8b\u5148\u7ea6\u5b9a\u7684\u4ef7\u503c\u5168\u989d\u8d54\u507f\u7ed9\u4f60\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u4e0e\u4fdd\u9669\u516c\u53f8\u5171\u540c\u540c\u610f\u8bbe\u5b9a\u4fdd\u9669\u91d1\u989d\u4e3aRM45,000\uff0c\u5373\u4f7f\u8f66\u8f86\u5e02\u573a\u4ef7\u5df2\u7ecf\u4e0b\u964d\u5230RM30,000\uff0c\u4f60\u4ecd\u7136\u53ef\u4ee5\u83b7\u5f97RM45,000\u7684\u8d54\u507f\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5521\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kereta-akibat-kemalangan\/attachment\/nurul_a6_featuredimage-02\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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;1&quot;}\" data-image-title=\"Car insurance claims in Malaysia\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Car insurance claims in Malaysia\" class=\"wp-image-5521\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Nurul_A6_FeaturedImage-02.jpg?resize=768%2C432&amp;ssl=1 768w, 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id=\"%E9%A9%BE%E9%A9%B6%E8%80%85%E4%B8%8D%E6%98%AF%E8%BD%A6%E4%B8%BB%E6%9C%AC%E4%BA%BA%EF%BC%8C%E6%98%AF%E5%90%A6%E5%8F%AF%E4%BB%A5%E6%8F%90%E5%87%BA%E7%B4%A2%E8%B5%94%EF%BC%9F\"><\/span><strong>\u9a7e\u9a76\u8005\u4e0d\u662f\u8f66\u4e3b\u672c\u4eba\uff0c\u662f\u5426\u53ef\u4ee5\u63d0\u51fa\u7d22\u8d54\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u662f\u7684\uff0c\u540c\u6837\u53ef\u4ee5\u3002\u4f46\u5982\u679c\u8087\u4e8b\u53f8\u673a\u4e0d\u662f\u4fdd\u5355\u4e0a\u7ecf\u6388\u6743\u7684\u53f8\u673a\uff0c\u5219\u5fc5\u987b\u5411\u4fdd\u9669\u516c\u53f8\u652f\u4ed8RM400\u7684\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E5%85%A8%E6%8D%9F%E8%BD%A6%E8%BE%86%E5%90%8E%E7%9A%84%E5%A4%84%E7%90%86%E6%96%B9%E5%BC%8F%E6%98%AF%E4%BB%80%E4%B9%88%EF%BC%9F\"><\/span><strong>\u5168\u635f\u8f66\u8f86\u540e\u7684\u5904\u7406\u65b9\u5f0f\u662f\u4ec0\u4e48\uff1f<\/strong><span 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