{"id":48024,"date":"2024-09-18T11:52:00","date_gmt":"2024-09-18T03:52:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=48024"},"modified":"2024-09-16T11:56:22","modified_gmt":"2024-09-16T03:56:22","slug":"%e4%b8%ba%e4%bb%80%e4%b9%88%e8%b6%8a%e6%9d%a5%e8%b6%8a%e5%a4%9a%e4%ba%ba%e9%80%89%e6%8b%a9%e7%ba%bf%e4%b8%8a%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%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%e8%b6%8a%e6%9d%a5%e8%b6%8a%e5%a4%9a%e4%ba%ba%e9%80%89%e6%8b%a9%e7%ba%bf%e4%b8%8a%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f","title":{"rendered":"\u4e3a\u4ec0\u4e48\u8d8a\u6765\u8d8a\u591a\u4eba\u9009\u62e9\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\uff1f"},"content":{"rendered":"\n<p>\u968f\u7740\u4e92\u8054\u7f51\u7684\u666e\u53ca\u548c\u7535\u5b50\u5546\u52a1\u7684\u53d1\u5c55\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u6d88\u8d39\u8005\u9009\u62e9\u5728\u7ebf\u4e0a\u8d2d\u4e70\u6216\u66f4\u65b0\u5404\u79cd\u4fdd\u9669\u4ea7\u54c1\uff0c\u5f53\u7136\u4e5f\u5305\u62ec\u4e86\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p>\u5982\u4eca\uff0c\u5927\u591a\u6570\u4fdd\u9669\u516c\u53f8\u90fd\u5728\u7ebf\u4e0a\u63d0\u4f9b\u5404\u79cd\u4fdd\u9669\u8ba1\u5212\u548c24\/7\u54a8\u8be2\u70ed\u7ebf\uff0c\u5373\u4f7f\u662f\u5bf9\u4fdd\u9669\u5b8c\u5168\u4e0d\u4e86\u89e3\u7684\u65b0\u624b\u53f8\u673a\u4e5f\u53ef\u4ee5\u4e0a\u7f51\u641c\u7d22\uff0c\u6700\u7ec8\u627e\u5230\u9002\u5408\u81ea\u5df1\u7684\u4fdd\u9669\u914d\u5957\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u5c31\u6765\u544a\u8bc9\u60a8\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u66f4\u5bb9\u6613\u3001\u66f4\u5feb\u6377\u3001\u66f4\u65b9\u4fbf\uff01<\/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\/%e4%b8%ba%e4%bb%80%e4%b9%88%e8%b6%8a%e6%9d%a5%e8%b6%8a%e5%a4%9a%e4%ba%ba%e9%80%89%e6%8b%a9%e7%ba%bf%e4%b8%8a%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f\/#%E4%BF%9D%E5%8D%95%E5%8D%B3%E6%97%B6%E7%94%9F%E6%95%88\" title=\"\u4fdd\u5355\u5373\u65f6\u751f\u6548\">\u4fdd\u5355\u5373\u65f6\u751f\u6548<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%9B%B4%E5%A4%9A%E6%97%B6%E9%97%B4%E6%AF%94%E8%BE%83\"><\/span><strong>\u66f4\u591a\u65f6\u95f4\u6bd4\u8f83<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u4f20\u7edf\u7684\u7ebf\u4e0b\u8d2d\u4e70\u6216\u66f4\u65b0\u8f66\u9669\u7684\u65b9\u5f0f\u4e2d\uff0c\u60a8\u901a\u5e38\u53ea\u80fd\u4f9d\u8d56\u4e8e\u51e0\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7\uff0c\u8fd9\u4e9b\u62a5\u4ef7\u5f80\u5f80\u7531\u4fdd\u9669\u4ee3\u7406\u4eba\u63d0\u4f9b\uff0c\u53ef\u80fd\u4e0d\u591f\u5168\u9762\u6216\u5ba2\u89c2\u3002\u4f46\uff0c\u901a\u8fc7\u7ebf\u4e0a\u5e73\u53f0\uff0c\u60a8\u53ef\u4ee5\u8f7b\u677e\u5730\u83b7\u53d6\u591a\u4e2a\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7\u4fe1\u606f\uff0c\u5e76\u4e14\u53ef\u4ee5\u81ea\u7531\u5730\u6bd4\u8f83\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u4fdd\u969c\u3001\u4ef7\u683c\u548c\u670d\u52a1\u8d28\u91cf\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXf6RacnZV_XL7gbGDEBkm_Af7xeOUVbWBRYGxPTY_9o46L63apk0Jgtz_t6riN-d7i9UhpoXS3tDOFxFdbWs7VnUdPZiCXK1IUbifBAKRh-uYMnQF55Rt21MvEIlnEAyzwL1TBJhzFJ6tBNBqITL-o_0awH?key=kHvNAKpifIgE2lBmE-f1Og\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u800c\u4e14\uff0c\u5982\u4eca\u7ebf\u4e0a\u5e73\u53f0\u90fd\u6709\u63d0\u4f9b\u65b9\u4fbf\u7684\u5de5\u5177\uff0c\u50cf\u662f\u5fc5\u4f73\uff0c\u5c31\u6709\u591a\u8fbe23\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7\u8ba9\u60a8\u6bd4\u8f83\uff0c\u53ef\u4ee5\u8ba9\u60a8\u4e00\u6b21\u8fc7\u4e86\u89e3\u4e0d\u540c\u8f66\u9669\u914d\u5957\u7684\u5dee\u5f02\uff0c\u5e2e\u52a9\u60a8\u505a\u51fa\u66f4\u52a0\u7406\u6027\u548c\u7b26\u5408\u81ea\u8eab\u9700\u6c42\u7684\u51b3\u5b9a\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E8%8A%82%E7%9C%81%E6%97%B6%E9%97%B4%E5%92%8C%E7%B2%BE%E5%8A%9B\"><\/span><strong>\u8282\u7701\u65f6\u95f4\u548c\u7cbe\u529b<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7ebf\u4e0b\u66f4\u65b0\u8f66\u9669\u901a\u5e38\u9700\u8981\u4eb2\u81ea\u5230\u4fdd\u9669\u516c\u53f8\uff0c\u6216\u901a\u8fc7\u7535\u8bdd\u4e0e\u4fdd\u9669\u4ee3\u7406\u4eba\u8054\u7cfb\uff0c\u8fd9\u4e00\u8fc7\u7a0b\u53ef\u80fd\u8017\u8d39\u5927\u91cf\u7684\u65f6\u95f4\u548c\u7cbe\u529b\u3002\u6b64\u5916\uff0c\u7ebf\u4e0b\u66f4\u65b0\u8f66\u9669\u53ef\u80fd\u9700\u8981\u53cd\u590d\u586b\u5199\u5404\u79cd\u8868\u683c\u6216\u63d0\u4ea4\u591a\u79cd\u6750\u6599\uff0c\u6574\u4e2a\u6d41\u7a0b\u590d\u6742\u4e14\u8017\u65f6\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u901a\u8fc7\u7ebf\u4e0a\u5e73\u53f0\u66f4\u65b0\u8f66\u9669\uff0c\u60a8\u53ea\u9700\u8981\u52a8\u52a8\u624b\u6307\uff0c\u5728\u51e0\u5206\u949f\u5185\u5c31\u80fd\u5b8c\u6210\u4ece\u9009\u62e9\u4fdd\u9669\u914d\u5957\u5230\u652f\u4ed8\u4fdd\u8d39\u7684\u5168\u8fc7\u7a0b\u3002\u65e0\u8bba\u662f\u62a5\u4ef7\u3001\u9009\u62e9\u4fdd\u5355\u3001\u586b\u5199\u4fe1\u606f\u8fd8\u662f\u652f\u4ed8\u8d39\u7528\uff0c\u6240\u6709\u7684\u6b65\u9aa4\u90fd\u53ef\u4ee5\u5728\u4e00\u4e2a\u754c\u9762\u4e0a\u5b8c\u6210\u3002\u8fd9\u4e0d\u4ec5\u7701\u53bb\u4e86\u51fa\u884c\u7684\u9ebb\u70e6\uff0c\u4e5f\u907f\u514d\u4e86\u4e0e\u4fdd\u9669\u4ee3\u7406\u4eba\u4e4b\u95f4\u53ef\u80fd\u4ea7\u751f\u7684\u6c9f\u901a\u4e0d\u7545\u6216\u4fe1\u606f\u8bef\u5dee\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%B5%81%E7%A8%8B%E7%AE%80%E5%8D%95\"><\/span><strong>\u6d41\u7a0b\u7b80\u5355<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u7ebf\u5e73\u53f0\u901a\u5e38\u4f1a\u8bbe\u8ba1\u975e\u5e38\u76f4\u89c2\u4e14\u7528\u6237\u53cb\u597d\u7684\u754c\u9762\uff0c\u6307\u5bfc\u6d88\u8d39\u8005\u4e00\u6b65\u6b65\u5b8c\u6210\u8f66\u9669\u66f4\u65b0\u7684\u6bcf\u4e00\u4e2a\u73af\u8282\u3002\u53ea\u9700\u8981\u8f93\u5165\u4e00\u4e9b\u57fa\u672c\u4fe1\u606f\uff0c\u5982\uff1a\u8f66\u8f86\u578b\u53f7\u3001\u4f7f\u7528\u5e74\u9650\u3001\u5386\u53f2\u7406\u8d54\u8bb0\u5f55\u7b49\uff0c\u7cfb\u7edf\u5c31\u4f1a\u81ea\u52a8\u5339\u914d\u51fa\u9002\u5408\u7684\u8f66\u9669\u65b9\u6848\uff0c\u5e76\u7ed9\u51fa\u8be6\u7ec6\u7684\u62a5\u4ef7\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e9b\u7ebf\u4e0a\u5e73\u53f0\u8fd8\u4f1a\u63d0\u4f9b\u667a\u80fd\u5ba2\u670d\u621624\u5c0f\u65f6\u5728\u7ebf\u5ba2\u670d\u670d\u52a1\uff0c\u5e2e\u52a9\u60a8\u89e3\u7b54\u5728\u66f4\u65b0\u8fc7\u7a0b\u4e2d\u53ef\u80fd\u9047\u5230\u7684\u4efb\u4f55\u95ee\u9898\u3002\u6574\u4e2a\u6d41\u7a0b\u7b80\u5355\u6613\u61c2\uff0c\u5373\u4f7f\u662f\u5bf9\u4e92\u8054\u7f51\u4e0d\u719f\u6089\u7684\u6d88\u8d39\u8005\u4e5f\u80fd\u8f7b\u677e\u4e0a\u624b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28340\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buying-car-insurance-online-vs-agent\/attachment\/photo6226266600290497142\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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=\"Buying Car Insurance Online vs Agent\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Buying Car Insurance Online vs Agent\" class=\"wp-image-28340\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=150%2C150&amp;ssl=1 150w, 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class=\"wp-block-image size-large\"><img data-attachment-id=\"11419\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/attachment\/photo_2021-11-18_15-16-18\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=1280%2C720&amp;ssl=1\" data-orig-size=\"1280,720\" 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: Compulsory Excess Explained\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Car Insurance: Compulsory Excess Explained\" class=\"wp-image-11419\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?w=1280&amp;ssl=1 1280w\" 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=\"%E4%BF%9D%E5%8D%95%E5%8D%B3%E6%97%B6%E7%94%9F%E6%95%88\"><\/span><strong>\u4fdd\u5355\u5373\u65f6\u751f\u6548<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u4f20\u7edf\u7684\u7ebf\u4e0b\u8d2d\u4e70\u65b9\u5f0f\u4e2d\uff0c\u4fdd\u5355\u7684\u751f\u6548\u65f6\u95f4\u901a\u5e38\u9700\u8981\u7b49\u5230\u4fdd\u9669\u516c\u53f8\u5904\u7406\u5b8c\u6240\u6709\u624b\u7eed\u540e\uff0c\u53ef\u80fd\u9700\u8981\u51e0\u5929\u7684\u65f6\u95f4\u3002\u800c\u5728\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\uff0c\u60a8\u53ea\u9700\u5b8c\u6210\u652f\u4ed8\uff0c\u4fdd\u5355\u4fbf\u53ef\u4ee5\u5373\u65f6\u751f\u6548\u3002\u8fd9\u5bf9\u4e8e\u90a3\u4e9b\u4e34\u8fd1\u8f66\u9669\u5230\u671f\uff0c\u6216\u6025\u9700\u66f4\u65b0\u4fdd\u9669\u7684\u8f66\u4e3b\u6765\u8bf4\u5c24\u4e3a\u4fbf\u5229\u3002<\/p>\n\n\n\n<p>\u540c\u65f6\uff0c\u7ebf\u4e0a\u5e73\u53f0\u901a\u5e38\u4f1a\u63d0\u4f9b\u7535\u5b50\u4fdd\u5355\uff0c\u60a8\u53ef\u4ee5\u968f\u65f6\u5728\u624b\u673a\u6216\u7535\u8111\u4e0a\u67e5\u9605\uff0c\u65e0\u9700\u7b49\u5f85\u7eb8\u8d28\u4fdd\u5355\u90ae\u5bc4\u5230\u5bb6\uff0c\u8fdb\u4e00\u6b65\u63d0\u5347\u4e86\u6548\u7387\u548c\u4fbf\u5229\u6027\u3002<\/p>\n\n\n\n<p>\u5728\u8fd9\u4e2a\u4fe1\u606f\u5316\u548c\u6570\u5b57\u5316\u7684\u65f6\u4ee3\uff0c\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u4e0d\u4ec5\u7b26\u5408\u73b0\u4ee3\u4eba\u7684\u751f\u6d3b\u8282\u594f\uff0c\u4e5f\u6ee1\u8db3\u4e86\u6d88\u8d39\u8005\u5bf9\u4fbf\u6377\u3001\u900f\u660e\u548c\u9ad8\u6548\u670d\u52a1\u7684\u9700\u6c42\u3002\u8fd8\u7b49\u4ec0\u4e48\u5462\uff1f\u8d76\u7d27\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u5427\uff01<\/p>\n\n\n\n<p>\u5728\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u4e0a\uff0c\u5f53\u7136\u662f\u9009\u62e9<strong><a 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