{"id":47614,"date":"2024-07-25T12:15:00","date_gmt":"2024-07-25T04:15:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47614"},"modified":"2024-07-24T22:10:58","modified_gmt":"2024-07-24T14:10:58","slug":"%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e8%b4%b9%e5%8f%88%e4%b8%8a%e6%b6%a8%e4%ba%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\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e8%b4%b9%e5%8f%88%e4%b8%8a%e6%b6%a8%e4%ba%86%ef%bc%9f","title":{"rendered":"\u4e3a\u4ec0\u4e48\u60a8\u7684\u6c7d\u8f66\u4fdd\u9669\u4fdd\u8d39\u53c8\u4e0a\u6da8\u4e86\uff1f"},"content":{"rendered":"\n<p>\u5728\u73b0\u4eca\u7684\u793e\u4f1a\u4e2d\uff0c\u62e5\u6709\u4e00\u8f86\u6c7d\u8f66\u4e0d\u4ec5\u4ec5\u662f\u51fa\u884c\u7684\u5de5\u5177\uff0c\u66f4\u662f\u4e2a\u4eba\u6216\u5bb6\u5ead\u751f\u6d3b\u7684\u5fc5\u9700\u54c1\u3002\u7136\u800c\uff0c\u6c7d\u8f66\u7684\u62e5\u6709\u6210\u672c\u5e76\u4e0d\u4ec5\u4ec5\u5305\u62ec\u8d2d\u8f66\u8d39\u7528\u548c\u65e5\u5e38\u7ef4\u62a4\u8d39\u7528\uff0c\u8fd8\u6709\u6c7d\u8f66\u4fdd\u9669\u4e5f\u662f\u4e00\u4e2a\u4e0d\u53ef\u5ffd\u89c6\u7684\u90e8\u5206\u3002<\/p>\n\n\n\n<p>\u53ea\u4e0d\u8fc7\uff0c\u5f88\u591a\u8f66\u4e3b\u5728\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u65f6\uff0c\u90fd\u4f1a\u53d1\u73b0\u4fdd\u8d39\u6709\u6240\u6ce2\u52a8\uff0c\u6709\u65f6\u5019\u751a\u81f3\u4f1a\u663e\u8457\u63d0\u9ad8\uff0c\u8fd9\u5bf9\u4e8e\u8bb8\u591a\u8f66\u4e3b\u6765\u8bf4\u771f\u7684\u662f\u96be\u4ee5\u6d88\u53d7\u554a\uff01<\/p>\n\n\n\n<p>\u90a3\u4e48\uff0c\u7a76\u7adf\u662f\u4ec0\u4e48\u539f\u56e0\u5bfc\u81f4\u6c7d\u8f66\u4fdd\u9669\u4fdd\u8d39\u63d0\u9ad8\u5462\uff1f<\/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=article412\" 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-69d76b3fbc0e8\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e8%b4%b9%e5%8f%88%e4%b8%8a%e6%b6%a8%e4%ba%86%ef%bc%9f\/#1_%E5%A4%B1%E5%8E%BB%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87\" title=\"1. \u5931\u53bb\u65e0\u7d22\u507f\u6298\u6263\u7387\">1. \u5931\u53bb\u65e0\u7d22\u507f\u6298\u6263\u7387<\/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%ba%e4%bb%80%e4%b9%88%e6%82%a8%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e8%b4%b9%e5%8f%88%e4%b8%8a%e6%b6%a8%e4%ba%86%ef%bc%9f\/#2_%E9%AB%98%E9%A3%8E%E9%99%A9%E8%BD%A6%E4%B8%BB\" title=\"2. \u9ad8\u98ce\u9669\u8f66\u4e3b\">2. \u9ad8\u98ce\u9669\u8f66\u4e3b<\/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%ba%e4%bb%80%e4%b9%88%e6%82%a8%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e8%b4%b9%e5%8f%88%e4%b8%8a%e6%b6%a8%e4%ba%86%ef%bc%9f\/#3_%E5%B1%85%E4%BD%8F%E5%9C%A8%E9%AB%98%E9%A3%8E%E9%99%A9%E5%8C%BA\" title=\"3. \u5c45\u4f4f\u5728\u9ad8\u98ce\u9669\u533a\">3. \u5c45\u4f4f\u5728\u9ad8\u98ce\u9669\u533a<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"1_%E5%A4%B1%E5%8E%BB%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%E7%8E%87\"><\/span><strong>1. \u5931\u53bb\u65e0\u7d22\u507f\u6298\u6263\u7387<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38994\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-after-an-accident-know-when-to-take-action\/attachment\/crash-gcada55698_1280\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=1280%2C850&amp;ssl=1\" data-orig-size=\"1280,850\" 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:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?fit=1080%2C717&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"717\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=1080%2C717&#038;ssl=1\" alt=\"\" class=\"wp-image-38994\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=1080%2C717&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?resize=768%2C510&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/crash-gcada55698_1280.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u65e0\u7d22\u507f\u6298\u6263\u7387\uff08No Claims Discount, NCD\uff09\u662f\u4fdd\u9669\u516c\u53f8\u4e3a\u4e86\u5956\u52b1\u90a3\u4e9b\u5728\u4e00\u5b9a\u65f6\u95f4\u5185\u6ca1\u6709\u63d0\u51fa\u7d22\u8d54\u7684\u8f66\u4e3b\u800c\u63d0\u4f9b\u7684\u4fdd\u8d39\u6298\u6263\u3002\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u8f66\u4e3b\u6bcf\u4e00\u5e74\u6ca1\u6709\u63d0\u51fa\u4efb\u4f55\u7d22\u8d54\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u7ed9\u4e88\u4e00\u5b9a\u6bd4\u4f8b\u7684\u6298\u6263\uff0c\u6700\u9ad8\u53ef\u8fbe55%\u3002<\/p>\n\n\n\n<p>\u5931\u53bb\u65e0\u7d22\u507f\u6298\u6263\u7387\u7684\u4e24\u5927\u539f\u56e0\uff1a<\/p>\n\n\n\n<p>&#8211; \u63d0\u51fa\u7d22\u8d54<\/p>\n\n\n\n<p>\u5047\u8bbe\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5df2\u7ecf\u7d2f\u79ef\u81f355%\uff0c\u4f46\u5374\u4e0d\u5e78\u53d1\u751f\u4ea4\u901a\u4e8b\u6545\uff0c\u800c\u5fc5\u987b\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\uff0c\u90a3\u4e48\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5c06\u4f1a\u76f4\u63a5\u91cd\u6574\u4e3a0%\u3002<\/p>\n\n\n\n<p>&#8211; \u7b2c\u4e09\u65b9\u9488\u5bf9\u60a8\u7684\u4fdd\u5355\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54<\/p>\n\n\n\n<p>\u5047\u8bbe\u60a8\u4e0d\u5c0f\u5fc3\u649e\u5230\u4e86\u522b\u4eba\u7684\u8f66\u5b50\uff0c\u5bf9\u65b9\u5411\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u4e86\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff0c\u4e5f\u4f1a\u76f4\u63a5\u5f71\u54cd\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"2_%E9%AB%98%E9%A3%8E%E9%99%A9%E8%BD%A6%E4%B8%BB\"><\/span><strong>2. \u9ad8\u98ce\u9669\u8f66\u4e3b<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"47397\" data-permalink=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e6%af%8f%e5%a4%a918%e4%ba%ba%e6%ad%bb%e4%ba%8e%e8%bd%a6%e7%a5%b8%ef%bc%8110%e4%b8%aa%e5%b0%8f%e4%b9%a0%e6%83%af%e9%81%bf%e5%85%8d%e6%84%8f%e5%a4%96%e5%8f%91%e7%94%9f\/attachment\/drink-driving\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?fit=1000%2C667&amp;ssl=1\" data-orig-size=\"1000,667\" 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=\"drink-driving\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?fit=1000%2C667&amp;ssl=1\" loading=\"lazy\" width=\"1000\" height=\"667\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?resize=1000%2C667&#038;ssl=1\" alt=\"\" class=\"wp-image-47397\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?w=1000&amp;ssl=1 1000w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/drink-driving.jpg?resize=930%2C620&amp;ssl=1 930w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u4fdd\u9669\u516c\u53f8\u5728\u8ba1\u7b97\u4fdd\u8d39\u65f6\uff0c\u4f1a\u6839\u636e\u8f66\u4e3b\u7684\u98ce\u9669\u7b49\u7ea7\u8fdb\u884c\u8bc4\u4f30\u3002\u6240\u8c13\u9ad8\u98ce\u9669\u8f66\u4e3b\uff0c\u901a\u5e38\u662f\u6307\u90a3\u4e9b\u88ab\u8ba4\u4e3a\u66f4\u5bb9\u6613\u53d1\u751f\u4e8b\u6545\u6216\u63d0\u51fa\u7d22\u8d54\u7684\u8f66\u4e3b\u3002<\/p>\n\n\n\n<p>\u54ea\u4e9b\u56e0\u7d20\u4f1a\u4f7f\u4f60\u6210\u4e3a\u9ad8\u98ce\u9669\u8f66\u4e3b\uff1f<\/p>\n\n\n\n<p>&#8211; \u9a7e\u9a76\u8bb0\u5f55\uff1a\u6709\u8fc7\u591a\u6b21\u4e8b\u6545\u6216\u8fdd\u89c4\u8bb0\u5f55\u7684\u8f66\u4e3b\u4f1a\u88ab\u8ba4\u4e3a\u662f\u9ad8\u98ce\u9669\u3002\u4f8b\u5982\uff1a\u8d85\u901f\u3001\u9152\u9a7e\u3001\u95ef\u7ea2\u706f\u7b49\u4e25\u91cd\u4ea4\u901a\u8fdd\u6cd5\u884c\u4e3a\u90fd\u4f1a\u4f7f\u8f66\u4e3b\u7684\u98ce\u9669\u7b49\u7ea7\u4e0a\u5347\uff0c\u4ece\u800c\u5bfc\u81f4\u4fdd\u8d39\u589e\u52a0\u3002<\/p>\n\n\n\n<p>&#8211; \u8f66\u8f86\u7c7b\u578b\uff1a\u8c6a\u8f66\u3001\u8dd1\u8f66\u7b49\u9ad8\u6027\u80fd\u8f66\u8f86\u901a\u5e38\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u7684\u4fdd\u8d39\u3002\u8fd9\u7c7b\u8f66\u8f86\u4e0d\u4ec5\u7ef4\u4fee\u8d39\u7528\u9ad8\uff0c\u800c\u4e14\u66f4\u5bb9\u6613\u6210\u4e3a\u76d7\u7a83\u76ee\u6807\uff0c\u98ce\u9669\u76f8\u5bf9\u8f83\u5927\u3002<\/p>\n\n\n\n<p>&#8211; \u7d22\u8d54\u8bb0\u5f55\uff1a\u66fe\u7ecf\u7d22\u8d54\u6216\u4e2d\u65ad\u4fdd\u9669\u8bb0\u5f55\u7684\u8f66\u4e3b\u4e5f\u4f1a\u88ab\u89c6\u4e3a\u9ad8\u98ce\u9669\u3002\u8fd9\u8868\u660e\u8f66\u4e3b\u53ef\u80fd\u6709\u8f83\u9ad8\u7684\u4e8b\u6545\u6216\u7d22\u8d54\u9891\u7387\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"3_%E5%B1%85%E4%BD%8F%E5%9C%A8%E9%AB%98%E9%A3%8E%E9%99%A9%E5%8C%BA\"><\/span><strong>3. \u5c45\u4f4f\u5728\u9ad8\u98ce\u9669\u533a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img 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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, 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