{"id":46931,"date":"2024-04-25T12:38:00","date_gmt":"2024-04-25T04:38:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46931"},"modified":"2024-04-21T20:48:54","modified_gmt":"2024-04-21T12:48:54","slug":"%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f","title":{"rendered":"\u514d\u8d54\u989d\u548c\u652f\u4ed8\u989d\uff0c\u5230\u5e95\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f"},"content":{"rendered":"\n<p>\u8c08\u5230\u6c7d\u8f66\u4fdd\u9669\uff0c\u6709\u4e9b\u8f66\u4e3b\u53ef\u80fd\u4f1a\u611f\u5230\u5904\u7406\u8d77\u6765\u5f88\u9ebb\u70e6\u3001\u96be\u4ee5\u7406\u89e3\uff0c\u50cf\u662f\u4fdd\u5355\u4e2d\u63d0\u5230\u7684\u81ea\u4ed8\u989d\uff08Excess\uff09\u548c\u514d\u8d54\u989d\uff08Deductible\uff09\u8fd9\u4e24\u4e2a\u672f\u8bed\uff0c\u5e38\u5e38\u8ba9\u4eba\u611f\u5230\u56f0\u60d1\u3002\u867d\u7136\u81ea\u4ed8\u989d\u548c\u514d\u8d54\u989d\u5728\u529f\u80fd\u4e0a\u6709\u6240\u76f8\u4f3c\uff0c\u4f46\u4e24\u8005\u5b9e\u9645\u4e0a\u662f\u6709\u533a\u522b\u7684\u3002\u672c\u6587\u5c06\u8be6\u7ec6\u89e3\u91ca\u8fd9\u4e24\u4e2a\u6982\u5ff5\u7684\u539f\u7406\u53ca\u5176\u533a\u522b\uff0c\u5e0c\u671b\u80fd\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u7406\u89e3\u6c7d\u8f66\u4fdd\u9669\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=article331\" 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-69d35198bd7d7\" 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-69d35198bd7d7\"><\/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\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E5%85%8D%E8%B5%94%E9%A2%9D%EF%BC%88Deductible%EF%BC%89%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u514d\u8d54\u989d\uff08Deductible\uff09\uff1f\">\u4ec0\u4e48\u662f\u514d\u8d54\u989d\uff08Deductible\uff09\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\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%85%8D%E8%B5%94%E9%A2%9D%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u514d\u8d54\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u514d\u8d54\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\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\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E8%87%AA%E4%BB%98%E9%A2%9D%EF%BC%88Excess%EF%BC%89%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u81ea\u4ed8\u989d\uff08Excess\uff09\uff1f\">\u4ec0\u4e48\u662f\u81ea\u4ed8\u989d\uff08Excess\uff09\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\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E4%B8%AD%E7%9A%84%E8%87%AA%E4%BB%98%E9%A2%9D%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u81ea\u4ed8\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u81ea\u4ed8\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\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\/%e5%85%8d%e8%b5%94%e9%a2%9d%e5%92%8c%e6%94%af%e4%bb%98%e9%a2%9d%ef%bc%8c%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e4%b8%8d%e5%90%8c%ef%bc%9f\/#%E5%85%8D%E8%B5%94%E9%A2%9D_VS_%E8%87%AA%E4%BB%98%E9%A2%9D\" title=\"\u514d\u8d54\u989d VS \u81ea\u4ed8\u989d\">\u514d\u8d54\u989d VS \u81ea\u4ed8\u989d<\/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%8D%E8%B5%94%E9%A2%9D%EF%BC%88Deductible%EF%BC%89%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u514d\u8d54\u989d\uff08Deductible\uff09\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u7684\u514d\u8d54\u989d\u662f\u6307\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u8f66\u4e3b\u5728\u7d22\u8d54\u65f6\u9700\u8981\u5148\u81ea\u5df1\u627f\u62c5\u7684\u8d39\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u5728\u514d\u8d54\u989d\u4e4b\u4e0a\u5f00\u59cb\u8d54\u4ed8\u3002\u5f53\u7136\uff0c\u8fd9\u662f\u4e00\u4e2a\u53cc\u65b9\u534f\u5b9a\u597d\u7684\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u5982\u679c\u60a8\u8d2d\u4e70\u4e86\u4e00\u4efd\u514d\u8d54\u989d\u4e3aRM500\u7684\u6c7d\u8f66\u4fdd\u9669\uff0c\u800c\u60a8\u7684\u6c7d\u8f66\u5728\u4e00\u6b21\u4e8b\u6545\u4e2d\u53d7\u635f\uff0c\u9020\u6210\u4e86RM3000\u7684\u635f\u5931\u3002\u90a3\u4e48\u60a8\u9700\u8981\u5148\u652f\u4ed8RM500\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u627f\u62c5\u5269\u4f59\u7684RM2500\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%85%8D%E8%B5%94%E9%A2%9D%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84%EF%BC%9F\"><\/span><strong>\u6c7d\u8f66\u4fdd\u9669\u514d\u8d54\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0e\u533b\u836f\u4fdd\u9669\u4e0d\u540c\uff0c\u6c7d\u8f66\u4fdd\u9669\u65e0\u9700\u652f\u4ed8\u5e74\u5ea6\u514d\u8d54\u989d\u3002\u6bcf\u6b21\u7d22\u8d54\u65f6\uff0c\u60a8\u53ea\u9700\u8981\u627f\u62c5\u4fdd\u5355\u4e2d\u89c4\u5b9a\u7684\u91d1\u989d\u3002\u4e00\u65e6\u60a8\u652f\u4ed8\u4e86\u89c4\u5b9a\u7684\u91d1\u989d\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u627f\u62c5\u5269\u4f59\u7684\u7ef4\u4fee\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u7406\u8d54\u83b7\u6279\u540e\uff0c\u5728\u4ed8\u6b3e\u65f6\u4f7f\u7528\u514d\u8d54\u989d\u4e5f\u5f88\u5e38\u89c1\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4ece\u6279\u51c6\u7684\u7d22\u8d54\u91d1\u989d\u4e2d\u6263\u9664\u8be5\u91d1\u989d\u3002\u4f8b\u5982\uff1a\u5982\u679c\u6279\u51c6\u7684\u8d54\u507f\u91d1\u989d\u662fRM5000\uff0c\u800c\u60a8\u7684\u514d\u8d54\u989d\u4e3aRM1000\uff0c\u5219\u4fdd\u9669\u516c\u53f8\u5c06\u652f\u4ed8RM4000\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u6c7d\u8f66\u4fdd\u9669\u514d\u8d54\u989d<\/td><\/tr><tr><td>\u7ef4\u4fee\u8d39<\/td><td>RM5000<\/td><\/tr><tr><td>\u514d\u8d54\u989d<\/td><td>RM1000<\/td><\/tr><tr><td><strong>\u60a8\u7684\u7d22\u8d54\u8d54\u6b3e<\/strong><\/td><td><strong>RM4000&nbsp;<\/strong><\/td><\/tr><\/tbody><\/table><\/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%98%AF%E8%87%AA%E4%BB%98%E9%A2%9D%EF%BC%88Excess%EF%BC%89%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u81ea\u4ed8\u989d\uff08Excess\uff09\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u4ed8\u989d\u6307\u7684\u662f\u60a8\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u65f6\uff0c\u9700\u8981\u9884\u5148\u57ab\u4ed8\u7684\u6b3e\u9879\uff0c\u7136\u540e\u4fdd\u9669\u516c\u53f8\u624d\u4f1a\u627f\u62c5\u5269\u4f59\u7684\u91d1\u989d\u3002\u81ea\u4ed8\u989d\u901a\u5e38\u662f\u4e00\u4e2a\u56fa\u5b9a\u6570\u989d\uff0c\u4e3b\u8981\u5206\u4e3a\u4e24\u79cd\u2014\u2014\u81ea\u613f\u6027\u81ea\u4ed8\u989d\u548c\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E4%B8%AD%E7%9A%84%E8%87%AA%E4%BB%98%E9%A2%9D%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84%EF%BC%9F\"><\/span><strong>\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u81ea\u4ed8\u989d\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u662f\u4fdd\u9669\u516c\u53f8\u4e3a\u5e74\u8f7b\u3001\u9ad8\u98ce\u9669\u9a7e\u9a76\u5458\u8bbe\u5b9a\u7684\u56fa\u5b9a\u91d1\u989d\uff0c\u4e00\u822c\u662fRM400\u3002\u8fd9\u4e9b\u9a7e\u9a76\u5458\u5927\u591a\u662f21\u5c81\u4ee5\u4e0b\u3001\u6301\u6709\u8bd5\u7528\uff08P\uff09\u6216\u4e34\u65f6\uff08L\uff09\u9a7e\u7167\u7684\u9a7e\u9a76\u5458\u3002\u5982\u679c\u9a7e\u9a76\u8005\u7684\u540d\u5b57\u6ca1\u6709\u5217\u5728\u4fdd\u5355\u91cc\uff0c\u82e5\u53d1\u751f\u610f\u5916\u9700\u8981\u7d22\u8d54\uff0c\u4e5f\u53ef\u80fd\u9700\u8981\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5982\u679c\u60a8\u672a\u6ee121\u5c81\u7684\u5b50\u5973\u6216\u5144\u5f1f\u59d0\u59b9\u5728\u9a7e\u9a76\u60a8\u7684\u8f66\u5b50\u65f6\u53d1\u751f\u610f\u5916\uff0c\u60a8\u5c06\u88ab\u8981\u6c42\u652f\u4ed8RM400\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\uff0c\u5176\u4f59\u90e8\u5206\u5219\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u6c7d\u8f66\u4fdd\u9669\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u662f\u5982\u4f55\u64cd\u4f5c\uff1f<\/td><\/tr><tr><td>\u603b\u7ef4\u4fee\u8d39\u7528<\/td><td>RM3000<\/td><\/tr><tr><td>\u5f3a\u5236\u6027\u81ea\u4ed8\u989d<\/td><td>RM400<\/td><\/tr><tr><td>\u7d22\u8d54\u8d54\u6b3e&nbsp;<\/td><td>RM2600&nbsp;<\/td><\/tr><tr><td>\u6295\u4fdd\u8005\u652f\u4ed8<\/td><td>RM400<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u81ea\u613f\u6027\u81ea\u4ed8\u989d\u5219\u662f\u6295\u4fdd\u4eba\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u65f6\uff0c\u613f\u610f\u652f\u4ed8\u7684\u91d1\u989d\u3002\u5c3d\u7ba1\u6761\u4ef6\u76f8\u4f3c\uff0c\u4f46\u5b83\u7684\u4f5c\u7528\u548c\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u4e0e\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u4e00\u6837\uff0c\u81ea\u613f\u6027\u81ea\u4ed8\u989d\u4e5f\u9002\u7528\u4e8e21\u5c81\u4ee5\u4e0b\u7684\u8f66\u4e3b\u3002\u4e0d\u8fc7\uff0c\u81ea\u613f\u6027\u81ea\u4ed8\u989d\u6709\u4e24\u4e2a\u9644\u52a0\u6761\u4ef6\uff0c\u5373\uff1a\u5931\u7a83\u98ce\u9669\u8f83\u9ad8\u7684\u8f66\u8f86\u4ee5\u53ca\u6602\u8d35\u7684\u8f66\u5b50\u3002\u4e0e\u5f3a\u5236\u6027\u81ea\u4ed8\u989d\u4e0d\u540c\uff0c\u81ea\u613f\u6027\u81ea\u4ed8\u989d\u901a\u5e38\u662f\u6295\u4fdd\u91d1\u989d\u7684\u4e00\u5b9a\u767e\u5206\u6bd4\uff0c\u800c\u4e0d\u662f\u56fa\u5b9a\u91d1\u989d\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=\"%E5%85%8D%E8%B5%94%E9%A2%9D_VS_%E8%87%AA%E4%BB%98%E9%A2%9D\"><\/span><strong>\u514d\u8d54\u989d VS \u81ea\u4ed8\u989d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u514d\u8d54\u989d\u548c\u81ea\u4ed8\u989d\u5728\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7ecf\u5e38\u88ab\u6df7\u6dc6\uff0c\u56e0\u4e3a\u5b83\u4eec\u7684\u4f5c\u7528\u975e\u5e38\u76f8\u4f3c\uff0c\u90fd\u662f\u6295\u4fdd\u4eba\u5e94\u8be5\u652f\u4ed8\u7684\u4e00\u5b9a\u91d1\u989d\u3002\u4e0d\u8fc7\uff0c\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5728\u6709\u81ea\u4ed8\u989d\u7684\u4fdd\u5355\u4e2d\uff0c\u4fdd\u5355\u9650\u989d\u5e76\u6ca1\u6709\u5305\u62ec\u81ea\u4ed8\u989d\u3002\u4e0e\u514d\u8d54\u989d\u4e0d\u540c\uff0c\u81ea\u4ed8\u989d\u4e0d\u4f1a\u51cf\u5c11\u4fdd\u5355\u7684\u603b\u9650\u989d\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5047\u8bbe\u60a8\u7684\u4fdd\u5355\u9650\u989d\u662fRM90,000\uff0c\u81ea\u613f\u81ea\u4ed8\u989d\u662fRM10,000\uff0c\u56e0\u610f\u5916\u4e8b\u6545\u9020\u6210\u4e86RM50,000\u7684\u635f\u5931\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u60a8\u5c06\u652f\u4ed8RM10,000\u4f5c\u4e3a\u8d54\u507f\uff0c\u800c\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u652f\u4ed8\u5269\u4e0b\u7684RM40,000\u3002\u5728\u6b64\uff0c\u81ea\u4ed8\u989d\u548c\u514d\u8d54\u989d\u5177\u6709\u76f8\u540c\u7684\u6548\u679c\uff0c\u56e0\u4e3a\u6295\u4fdd\u4eba\u5e94\u652f\u4ed8\u7684\u6b3e\u9879\u7c7b\u4f3c\u4e8e\u514d\u8d54\u989d\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5982\u679c\u60a8\u56e0\u610f\u5916\u9020\u6210\u7684\u635f\u5931\u662fRM100,000\uff0c\u5df2\u7ecf\u8d85\u8fc7\u4e86\u60a8\u7684\u4fdd\u5355\u9650\u989d\uff0c\u90a3\u4e48\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u627f\u62c5RM90,000\u7684\u8d39\u7528\uff0c\u800c\u60a8\u5c06\u652f\u4ed8\u5269\u4f59\u7684RM10,000\u3002\u5728\u8fd9\u91cc\uff0c\u201c\u81ea\u4ed8\u989d\u201d\u5e76\u4e0d\u662f\u4ece\u8d54\u4ed8\u4e2d\u201c\u6263\u9664\u201d\uff0c\u800c\u662f\u7531\u6295\u4fdd\u4eba\u5bf9\u8d85\u51fa\u4fdd\u5355\u9650\u989d\u7684\u635f\u5931\u90e8\u5206\u8d1f\u8d23\u3002<\/p>\n\n\n\n<p>\u81ea\u4ed8\u989d\u548c\u514d\u8d54\u989d\u53ef\u80fd\u4f1a\u5e26\u6765\u7c7b\u4f3c\u7684\u7ed3\u679c\uff0c\u4f46\u5982\u4e0a\u6240\u8ff0\uff0c\u5b83\u4eec\u5728\u672c\u8d28\u4e0a\u5e76\u4e0d\u76f8\u540c\u3002\u5b66\u4f1a\u533a\u5206\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u4e0d\u540c\u672f\u8bed\uff0c\u6709\u52a9\u4e8e\u60a8\u66f4\u7406\u89e3\u4fdd\u5355\uff0c\u4e5f\u53ef\u4ee5\u8ba9\u60a8\u5728\u8d2d\u4e70\u8f66\u9669\u65f6\u505a\u51fa\u6b63\u786e\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p>\u5728\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u4e0a\uff0c\u5f53\u7136\u662f\u9009\u62e9<strong><a href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article331\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u9a6c\u6700\u5927\u7684\u7ebf\u4e0a\u8f66\u9669\u5e73\u53f0\u2014\u2014\u5fc5\u4f73Bjak<\/a><\/strong>\uff0c\u5728\u8fd9\u91cc\u4f60\u53ef\u4ee5\u4e00\u6b21\u8fc7\u6bd4\u8f8323\u5bb6\u4fdd\u9669\u516c\u53f8\u62a5\u4ef7\uff0c\u5e76\u6839\u636e\u81ea\u5df1\u7684\u9700\u6c42\u548c\u9884\u7b97\u9009\u62e9\u5408\u9002\u7684\u4fdd\u9669\u914d\u5957\u3002\u4ed8\u6b3e\u540e\uff0c\u8f66\u9669\u7acb\u5373\u751f\u6548\uff0c\u7701\u65f6\u65b9\u4fbf\uff01\u4eca\u5929\u5c31\u5230\u5fc5\u4f73\u4e86\u89e3\u66f4\u591a\u5427\uff01<\/p>\n\n\n\n<div class=\"wp-container-2 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=article331\" target=\"_blank\" rel=\"noreferrer 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