{"id":46981,"date":"2024-04-29T11:51:00","date_gmt":"2024-04-29T03:51:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46981"},"modified":"2024-04-28T08:58:56","modified_gmt":"2024-04-28T00:58:56","slug":"%e6%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%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%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%ef%bc%9f","title":{"rendered":"\u603b\u662f\u6295\u8bc9\u4fdd\u8d39\u8d35\uff01\u5148\u68c0\u8ba8\u662f\u5426\u5e38\u53d1\u751f\u610f\u5916\u7d22\u8d54\uff1f"},"content":{"rendered":"\n<p>\u5927\u5bb6\u90fd\u77e5\u9053\u6c7d\u8f66\u4fdd\u9669\u7684\u91cd\u8981\u6027\uff0c\u8fd9\u4e0d\u4ec5\u662f\u56e0\u4e3a\u9646\u8def\u4ea4\u901a\u5c40\uff08JPJ\uff09\u89c4\u5b9a\u6bcf\u8f86\u6c7d\u8f66\u548c\u6469\u6258\u90fd\u5fc5\u987b\u6301\u6709\u6709\u6548\u7684\u8f66\u9669\u548c\u8def\u7a0e\u624d\u80fd\u4e0a\u8def\uff0c\u66f4\u662f\u4e3a\u4e86\u5728\u53f8\u673a\u6216\u7b2c\u4e09\u65b9\u906d\u9047\u98ce\u9669\u65f6\u63d0\u4f9b\u4fdd\u969c\uff0c\u786e\u4fdd\u60a8\u5728\u53d1\u751f\u4e8b\u6545\u540e\u4e0d\u4f1a\u9677\u5165\u56f0\u5883\uff0c\u907f\u514d\u8d22\u52a1\u4e0a\u7684\u56f0\u6270\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u4fdd\u8d39\u7684\u4ea4\u6362\uff0c\u4fdd\u9669\u516c\u53f8\u627f\u8bfa\u63d0\u4f9b\u60a8\u6c7d\u8f66\u4fdd\u5355\u4e2d\u89c4\u5b9a\u7684\u4fdd\u969c\u3002\u7136\u800c\uff0c\u5f53\u60a8\u8003\u8651\u63d0\u51fa\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\u65f6\uff0c\u8bf7\u8bb0\u5f97\u8fd9\u53ef\u80fd\u4f1a\u5bf9\u60a8\u7684\u4fdd\u9669\u8d39\u4ea7\u751f\u5f71\u54cd\u3002\u7ee7\u7eed\u9605\u8bfb\u4e86\u89e3\u8f66\u7978\u5bf9\u4fdd\u8d39\u7684\u5f71\u54cd\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%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%ef%bc%9f\/#%E6%84%8F%E5%A4%96%E4%BC%9A%E5%A2%9E%E5%8A%A0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E8%B4%B9%E5%90%97%EF%BC%9F\" title=\"\u610f\u5916\u4f1a\u589e\u52a0\u6c7d\u8f66\u4fdd\u9669\u8d39\u5417\uff1f\">\u610f\u5916\u4f1a\u589e\u52a0\u6c7d\u8f66\u4fdd\u9669\u8d39\u5417\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%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%ef%bc%9f\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%EF%BC%88NCD%EF%BC%89\" title=\"\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\">\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09<\/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%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%ef%bc%9f\/#%E7%BB%8F%E5%B8%B8%E5%8F%91%E7%94%9F%E6%84%8F%E5%A4%96%E6%88%96%E6%8E%A5%E5%88%B0%E4%BA%A4%E9%80%9A%E7%BD%9A%E5%8D%95\" title=\"\u7ecf\u5e38\u53d1\u751f\u610f\u5916\u6216\u63a5\u5230\u4ea4\u901a\u7f5a\u5355\">\u7ecf\u5e38\u53d1\u751f\u610f\u5916\u6216\u63a5\u5230\u4ea4\u901a\u7f5a\u5355<\/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%80%bb%e6%98%af%e6%8a%95%e8%af%89%e4%bf%9d%e8%b4%b9%e8%b4%b5%ef%bc%81%e5%85%88%e6%a3%80%e8%ae%a8%e6%98%af%e5%90%a6%e5%b8%b8%e5%8f%91%e7%94%9f%e6%84%8f%e5%a4%96%e7%b4%a2%e8%b5%94%ef%bc%9f\/#%E6%8F%90%E5%87%BA%E7%B4%A2%E8%B5%94%E6%97%B6%E8%A6%81%E5%B0%8F%E5%BF%83\" title=\"\u63d0\u51fa\u7d22\u8d54\u65f6\u8981\u5c0f\u5fc3\">\u63d0\u51fa\u7d22\u8d54\u65f6\u8981\u5c0f\u5fc3<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%84%8F%E5%A4%96%E4%BC%9A%E5%A2%9E%E5%8A%A0%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E8%B4%B9%E5%90%97%EF%BC%9F\"><\/span><strong>\u610f\u5916\u4f1a\u589e\u52a0\u6c7d\u8f66\u4fdd\u9669\u8d39\u5417\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u662f\u7684\u3002\u4e00\u65e6\u63d0\u51fa\u7d22\u8d54\uff0c\u60a8\u7684\u6c7d\u8f66\u4fdd\u9669\u8d39\u7387\u6781\u6709\u53ef\u80fd\u4f1a\u589e\u52a0\u3002\u540c\u65f6\uff0c\u60a8\u4e5f\u4f1a\u5931\u53bb\u201c\u65e0\u7d22\u507f\u6298\u6263\u7387\u201d\uff08NCD\uff09\u3002\u4e0d\u8fc7\uff0cNCD\u662f\u5426\u53d7\u5f71\u54cd\u8fd8\u53d6\u51b3\u4e8e\u60a8\u63d0\u51fa\u7684\u7d22\u8d54\u7c7b\u578b\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u5728\u8f66\u7978\u4e2d\u88ab\u8ba4\u5b9a\u662f\u8087\u7978\u7684\u4e00\u65b9\uff0c\u90a3\u4e48\u60a8\u4e0b\u6b21\u66f4\u65b0\u8f66\u9669\u65f6\uff0c\u4fdd\u8d39\u53ef\u80fd\u4f1a\u4e0a\u6da8\u3002\u8fd9\u79cd\u7c7b\u578b\u7684\u7d22\u8d54\u88ab\u79f0\u4e3a\u201c\u8fc7\u5931\u7d22\u8d54\u201d\uff0c\u5f53\u8ba4\u5b9a\u662f\u60a8\u758f\u5ffd\u9020\u6210\u4e8b\u6545\u65f6\uff0c\u60a8\u7684\u4fdd\u9669\u5c06\u4f1a\u8bb0\u5f55\u5728\u6848\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u4e5f\u4e0d\u662f\u6240\u6709\u7d22\u8d54\u90fd\u4f1a\u5bf9\u60a8\u7684\u4fdd\u8d39\u4ea7\u751f\u5f71\u54cd\u3002\u5982\u679c\u4e8b\u6545\u4e0d\u662f\u60a8\u7684\u8fc7\u9519\uff0c\u60a8\u53ef\u4ee5\u63d0\u51fa\u201c\u65e0\u8fc7\u5931\u7d22\u8d54\u201d\uff0c\u8fd9\u6837\u5c31\u4e0d\u4f1a\u5bf9\u60a8\u7684\u4fdd\u8d39\u4ea7\u751f\u4efb\u4f55\u8d1f\u9762\u5f71\u54cd\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"44478\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans\/attachment\/what-to-do-after-a-car-accident-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=768%2C512&amp;ssl=1\" data-orig-size=\"768,512\" 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=\"what-to-do-after-a-car-accident\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=768%2C512&amp;ssl=1\" loading=\"lazy\" width=\"768\" height=\"512\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?resize=768%2C512&#038;ssl=1\" alt=\"\" class=\"wp-image-44478\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?w=768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" 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%EF%BC%88NCD%EF%BC%89\"><\/span><strong>\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65e0\u7d22\u507f\u6298\u6263\u7387\u662f\u4f1a\u968f\u7740\u65f6\u95f4\u63a8\u79fb\u800c\u589e\u52a0\uff0c\u4e3b\u8981\u662f\u4fdd\u9669\u516c\u53f8\u4e3a\u90a3\u4e9b\u6ca1\u6709\u63d0\u51fa\u8fc7\u4fdd\u9669\u7d22\u8d54\u7684\u8f66\u4e3b\u63d0\u4f9b\u7684\u4fdd\u8d39\u6298\u6263\uff0c\u4ee5\u5956\u52b1\u4ed6\u4eec\u7ee7\u7eed\u4fdd\u6301\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55\u3002\u53ea\u8981\u6ca1\u6709\u63d0\u51fa\u7d22\u8d54\uff0c\u79c1\u5bb6\u8f66\u7684\u6700\u9ad8\u5956\u52b1\u662f\u6298\u626355%\uff0c\u6469\u6258\u8f66\u548c\u5546\u7528\u8f66\u8f86\u5219\u662f\u6700\u9ad825%\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5df2\u7ecf\u7d2f\u79ef\u81f355%\uff0c\u4f46\u5374\u4e0d\u5e78\u53d1\u751f\u610f\u5916\uff0c\u9700\u8981\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\uff0c\u90a3\u4e48\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u5c31\u4f1a\u91cd\u65b0\u8c03\u6574\u4e3a0%\u3002\u90a3\u4e48\u60a8\u4e0b\u4e00\u6b21\u66f4\u65b0\u8f66\u9669\u65f6\uff0c\u5c06\u4e0d\u4f1a\u5f97\u5230\u4efb\u4f55\u6298\u6263\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E7%BB%8F%E5%B8%B8%E5%8F%91%E7%94%9F%E6%84%8F%E5%A4%96%E6%88%96%E6%8E%A5%E5%88%B0%E4%BA%A4%E9%80%9A%E7%BD%9A%E5%8D%95\"><\/span><strong>\u7ecf\u5e38\u53d1\u751f\u610f\u5916\u6216\u63a5\u5230\u4ea4\u901a\u7f5a\u5355<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u60a8\u66fe\u591a\u6b21\u53d1\u751f\u4ea4\u901a\u610f\u5916\uff0c\u6216\u6709\u8fdd\u53cd\u4ea4\u901a\u89c4\u5219\u7684\u4e60\u60ef\uff0c\u90a3\u4fdd\u9669\u516c\u53f8\u5c06\u89c6\u60a8\u4e3a\u9ad8\u98ce\u9669\u9a7e\u9a76\u5458\u3002\u8fd9\u610f\u5473\u7740\u60a8\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u7684\u4fdd\u8d39\u3002\u4f46\uff0c\u5982\u679c\u60a8\u662f\u4e00\u540d\u5b89\u5168\u3001\u8d1f\u8d23\u4efb\u7684\u9a7e\u9a76\u5458\uff0c\u5e76\u4e14\u6ca1\u6709\u4e0d\u826f\u9a7e\u9a76\u8bb0\u5f55\uff0c\u90a3\u4e48\u60a8\u5c31\u53ef\u4ee5\u652f\u4ed8\u8f83\u5c11\u7684\u4fdd\u8d39\u3002\u6240\u4ee5\uff0c\u8fd8\u662f\u5c0f\u5fc3\u3001\u5b89\u5168\u9a7e\u9a76\u5427\uff01<\/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\" 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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%E7%B4%A2%E8%B5%94%E6%97%B6%E8%A6%81%E5%B0%8F%E5%BF%83\"><\/span><strong>\u63d0\u51fa\u7d22\u8d54\u65f6\u8981\u5c0f\u5fc3<\/strong><span 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