{"id":8911,"date":"2021-11-08T16:54:20","date_gmt":"2021-11-08T08:54:20","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=8911"},"modified":"2021-11-08T16:54:23","modified_gmt":"2021-11-08T08:54:23","slug":"%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95","title":{"rendered":"\u60f3\u8981\u7d22\u8d54\u4fdd\u9669\uff1f\u5148\u4e86\u89e3\u7d22\u8d54\u7c7b\u578b\u548c\u65b9\u6cd5"},"content":{"rendered":"\n<p>\u6839\u636e\u9a6c\u6765\u897f\u4e9a\u7687\u5bb6\u8b66\u5bdf\uff08PDRM\uff09\u5728 2010 \u5e74\u81f3 2019 \u5e74\u53d1\u5e03\u7684\u7edf\u8ba1\u6570\u636e\uff0c\u5e73\u5747\u6bcf\u5e74\u53d1\u751f\u7684\u4ea4\u901a\u610f\u5916\u8d85\u8fc7 50 \u4e07\u8d77\uff0c\u6d89\u53ca\u7ea6 7000 \u4eba\u6b7b\u4ea1\u3002<\/p>\n\n\n\n<p>\u8fd9\u8bf4\u660e\u4efb\u4f55\u9a7e\u9a76\u6216\u4f7f\u7528\u9053\u8def\u7684\u4eba\u90fd\u6709\u53ef\u80fd\u53d1\u751f\u4e8b\u6545\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u9996\u5148\u8981\u62c5\u5fc3\u7684\u80af\u5b9a\u662f\u4fee\u8f66\u7684\u8d39\u7528\u3002\u7136\u800c\uff0c\u5982\u679c\u60a8\u62e5\u6709\u6709\u6548\u4e14\u5168\u9762\u7684\u6c7d\u8f66\u4fdd\u9669\uff0c\u60a8\u5c31\u65e0\u9700\u592a\u8fc7\u62c5\u5fc3\uff0c\u56e0\u4e3a\u53ea\u8981\u7b26\u5408\u6761\u4ef6\uff0c\u60a8\u5c31\u4f1a\u83b7\u5f97\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u4e3a\u6b64\uff0c\u6211\u4eec\u5c06\u901a\u8fc7\u8fd9\u7bc7\u77ed\u6587\u5411\u60a8\u89e3\u91ca\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\u7684\u7c7b\u578b\u4e0e\u7d22\u8d54\u7684\u65b9\u6cd5\u3002<\/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-69d781470b0d5\" 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-69d781470b0d5\"><\/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\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E7%B1%BB%E5%9E%8B\" title=\"\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\u7684\u7c7b\u578b\">\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\u7684\u7c7b\u578b<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><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%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\" title=\"\u81ea\u635f\u7d22\u8d54\uff08Own Damage Claim\uff09(OD CLAIM)&nbsp;\">\u81ea\u635f\u7d22\u8d54\uff08Own Damage Claim\uff09(OD CLAIM)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><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%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E8%BA%AB%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%88OWN_DAMAGE_KNOCK-FOR-KNOCK_CLAIM_%EF%BC%89OD_KFK_CLAIM\" title=\"\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\uff08OWN DAMAGE KNOCK-FOR-KNOCK CLAIM \uff09(OD KFK CLAIM)\">\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\uff08OWN DAMAGE KNOCK-FOR-KNOCK CLAIM \uff09(OD KFK CLAIM)<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><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%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%87%AA%E8%BA%AB%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E5%A5%BD%E5%A4%84\" title=\"\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\u7684\u597d\u5904\">\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\u7684\u597d\u5904<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><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%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%88THIRD_PARTY_CLAIM_%EF%BC%89TP_CLAIM\" title=\"\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff08THIRD PARTY CLAIM \uff09(TP CLAIM)\">\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff08THIRD PARTY CLAIM \uff09(TP CLAIM)<\/a><\/li><\/ul><\/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%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E6%AD%A5%E9%AA%A4\" title=\"\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u7684\u6b65\u9aa4\">\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u7684\u6b65\u9aa4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E5%B0%8F%E6%84%8F%E5%A4%96%E5%8F%AF%E4%BB%A5%E7%B4%A2%E8%B5%94%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%90%97%EF%BC%9F\" title=\"\u5c0f\u610f\u5916\u53ef\u4ee5\u7d22\u8d54\u6c7d\u8f66\u4fdd\u9669\u5417\uff1f\">\u5c0f\u610f\u5916\u53ef\u4ee5\u7d22\u8d54\u6c7d\u8f66\u4fdd\u9669\u5417\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E8%A6%81%E6%98%AF%E8%A2%AB%E6%B2%A1%E6%9C%89%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E8%BD%A6%E5%AD%90%E6%92%9E%E4%BA%86%E6%80%8E%E4%B9%88%E5%8A%9E%EF%BC%9F\" title=\"\u8981\u662f\u88ab\u6ca1\u6709\u6c7d\u8f66\u4fdd\u9669\u7684\u8f66\u5b50\u649e\u4e86\u600e\u4e48\u529e\uff1f\">\u8981\u662f\u88ab\u6ca1\u6709\u6c7d\u8f66\u4fdd\u9669\u7684\u8f66\u5b50\u649e\u4e86\u600e\u4e48\u529e\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E4%BD%A0%E9%9C%80%E8%A6%81%E5%81%9A%E4%BB%80%E4%B9%88%EF%BC%9F\" title=\"\u4f60\u9700\u8981\u505a\u4ec0\u4e48\uff1f\">\u4f60\u9700\u8981\u505a\u4ec0\u4e48\uff1f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E7%B4%A2%E8%B5%94%E4%BF%9D%E9%99%A9%E7%9A%84%E5%A5%BD%E5%A4%84\" title=\"\u7d22\u8d54\u4fdd\u9669\u7684\u597d\u5904\">\u7d22\u8d54\u4fdd\u9669\u7684\u597d\u5904<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/#%E5%9C%A8%E5%BF%85%E4%BD%B3%E7%BA%BF%E4%B8%8A%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9\" title=\"\u5728\u5fc5\u4f73\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\">\u5728\u5fc5\u4f73\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E7%B1%BB%E5%9E%8B\"><\/span>\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\u7684\u7c7b\u578b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E8%87%AA%E6%8D%9F%E7%B4%A2%E8%B5%94%EF%BC%88Own_Damage_Claim%EF%BC%89OD_CLAIM\"><\/span>\u81ea\u635f\u7d22\u8d54\uff08Own Damage Claim\uff09(OD CLAIM)&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5f53\u8f66\u7978\u662f\u56e0\u4e3a\u8f66\u4e3b\u672c\u8eab\u7684\u8fc7\u5931\u6240\u9020\u6210\u7684\uff0c\u90a3\u4e48\u8f66\u4e3b\u5c31\u53ea\u80fd\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u63d0\u51fa\u7d22\u8d54\u3002<\/p>\n\n\n\n<p><strong>\u53ea\u6709<a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u7684\u4fdd\u5355\u6301\u6709\u4eba\u624d\u80fd\u63d0\u51fa\u6b64\u7d22\u8d54<\/strong>\uff0c\u7efc\u5408\u578b\u4fdd\u9669\u63d0\u4f9b\u5168\u9762\u4fdd\u969c\u4e88\u7b2c\u4e00\u65b9\uff08\u60a8\uff09\u53ca\u7b2c\u4e09\u65b9\u3002<\/p>\n\n\n\n<p>\u4e00\u65e6\u7d22\u8d54\u6210\u529f\uff0c<strong>\u60a8\u5c06\u5931\u53bb\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263<\/a>\uff08NCD\uff09<\/strong>\uff0c\u9664\u4e86\u4ee5\u4e0b\u4e24\u79cd\u60c5\u51b5\uff1a<\/p>\n\n\n\n<ol><li>\u635f\u574f\u4e0d\u662f\u60a8\u9020\u6210\u7684\uff08No Fault Damage\uff09\uff1a\u6307\u7684\u662f\u60a8\u5377\u5165\u4e86\u610f\u5916\u4e8b\u6545\uff0c\u4f46\u8b66\u65b9\u5df2\u786e\u8ba4\u6b64\u4e8b\u6545\u5e76\u975e\u7531\u60a8\u7684\u758f\u5ffd\u6240\u9020\u6210\u7684\u3002<\/li><li>\u62e5\u6709\u201c<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e9%95%9c%e7%88%86%e8%a3%82%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u8f66\u955c\u4fdd\u969c<\/a>\u201d\uff1a\u5982\u679c\u60a8\u989d\u5916\u8d2d\u4e70\u4e86\u201c\u8f66\u955c\u4fdd\u969c\u201d\uff0c\u5982\u679c\u63d0\u51fa\u7d22\u8d54\uff0c\u60a8\u7684NCD\u5c31\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u3002<\/li><\/ol>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E8%87%AA%E8%BA%AB%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%88OWN_DAMAGE_KNOCK-FOR-KNOCK_CLAIM_%EF%BC%89OD_KFK_CLAIM\"><\/span>\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\uff08OWN DAMAGE KNOCK-FOR-KNOCK CLAIM \uff09(OD KFK CLAIM)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u4e0e\u53e6\u4e00\u65b9\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u5e76\u4e14\u786e\u8ba4\u4e0d\u662f\u60a8\u7684\u8fc7\u9519\uff0c\u90a3\u4e48\u60a8\u5c31\u53ef\u4ee5\u5148\u4ece\u81ea\u5df1\u7684\u4fdd\u9669\u4e2d\u7d22\u8d54\uff0c\u7136\u540e\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u3002\u8fd9\u5c31\u662f\u6240\u8c13\u7684\u201c\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\u201d\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c<strong>\u53ea\u6709\u5728\u62e5\u6709\u7efc\u5408\u578b\u4fdd\u9669\u7684\u60c5\u51b5\u4e0b\u624d\u80fd\u63d0\u51fa\u6b64\u7d22\u8d54<\/strong>\u3002<\/p>\n\n\n\n<p>\u60a8\u7684\u7ef4\u4fee\u8d39\u7528\u5c06\u5148\u7531\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u627f\u62c5\uff0c\u4f46<strong>\u4e0d\u5f71\u54cd\u60a8\u7684NCD<\/strong>\u3002\u5bf9\u4e8e\u7b2c\u4e09\u65b9\u63d0\u51fa\u7684\u4fdd\u9669\u7d22\u8d54\u5c06\u4f1a\u5728\u8fc7\u540e\u8fdb\u884c\uff0c\u56e0\u4e3a\u8fd9\u901a\u5e38\u9700\u8981\u5f88\u957f\u7684\u65f6\u95f4\u5904\u7406\u3002<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"%E8%87%AA%E8%BA%AB%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E5%A5%BD%E5%A4%84\"><\/span>\u81ea\u8eab\u4fdd\u9669\u7d22\u8d54\u7684\u597d\u5904<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>\u66f4\u5feb\u7684\u4fdd\u9669\u7d22\u8d54<\/li><li>\u4e0d\u4f1a\u5f71\u54cd\u60a8\u7684NCD<\/li><li>\u60a8\u53ef\u4ee5\u5411\u5bf9\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u7d22\u8d54<a href=\"https:\/\/bjak.my\/blog\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%E5%9E%AB%E5%BA%95%E8%B4%B9%EF%BC%88Ekcess%EF%BC%89\">\u57ab\u5e95\u8d39<\/a>\uff08excess \uff09\u548c\u635f\u5931\u4fdd\u9669\uff08loss of use\uff09\u3002<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%EF%BC%88THIRD_PARTY_CLAIM_%EF%BC%89TP_CLAIM\"><\/span>\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\uff08THIRD PARTY CLAIM \uff09(TP CLAIM)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5f53\u8f66\u7978\u662f\u56e0\u4e3a\u5bf9\u65b9\u7684\u758f\u5ffd\u6216\u8fc7\u5931\u6240\u9020\u6210\u65f6\uff0c\u4f60\u5c31\u53ef\u4ee5\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u63d0\u51fa\u7d22\u8d54\u3002\u63d0\u51fa\u7b2c\u4e09\u65b9\u7d22\u8d54\u6709\u4e24\u79cd\u65b9\u5f0f\uff0c\u5373\u76f4\u63a5\u5c06\u7d22\u8d54\u63d0\u4ea4\u7ed9\u6709\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u6216\u8005\u5c06\u7d22\u8d54\u4ea4\u7ed9\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\uff08\u7efc\u5408\u578b\u4fdd\u9669\uff09\u3002<\/p>\n\n\n\n<p>\u60a8\u8fd8\u80fd\u5411\u7b2c\u4e09\u65b9\u7684\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u201c\u5b9e\u9645\u7ef4\u4fee\u65f6\u95f4\u8865\u507f\u201d(Compensation of Actual Repair Time, CART) \u4ee5\u53ca\u8d85\u989d\u8865\u507f\u3002\u7406\u8d54\u5e08\uff08adjuster\uff09\u5c06\u4f30\u8ba1\u8f66\u5b50\u7684\u5b9e\u9645\u4fee\u590d\u65f6\u95f4\uff08\u4e0d\u5305\u62ec\u8f66\u5b50\u7f6e\u653e\u5728\u4fee\u8f66\u5382\u7684\u65f6\u95f4\uff09\uff0c\u4ee5\u8d54\u507f\u8f66\u4e3b\u65e0\u6cd5\u4f7f\u7528\u8f66\u5b50\u7684\u635f\u5931\uff0c\u8fd9\u4e2a\u8d54\u507f\u5c31\u79f0\u4e4b\u4e3aCART\u3002<\/p>\n\n\n\n<p>\u5982\u679cCART\u7684\u671f\u9650\u5df2\u786e\u5b9a\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5411\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\u60a8\u5728\u8fd9\u6bb5\u671f\u95f4\u79df\u7528\u8f66\u5b50\uff08\u76f8\u540c\u8f66\u578b\u4e0e\u5f15\u64ce\u5bb9\u91cf\uff09\u7684\u8d39\u7528\uff0c\u4f46\u9700\u51fa\u793a\u5408\u6cd5\u51fa\u79df\u8f66\u516c\u53f8\u7684\u6536\u636e\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%8F%90%E5%87%BA%E4%BF%9D%E9%99%A9%E7%B4%A2%E8%B5%94%E7%9A%84%E6%AD%A5%E9%AA%A4\"><\/span>\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u7684\u6b65\u9aa4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9715\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-03-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.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=\"211105_BjakBlog_Athirah_A6101-01-03-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u4fdd\u9669\u7d22\u8d54\" class=\"wp-image-9715\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u5982\u679c\u60a8\u56e0\u610f\u5916\u4e8b\u6545\u9700\u8981\u5bf9\u6c7d\u8f66\u635f\u574f\u63d0\u51fa\u7d22\u8d54\uff0c\u8bf7\u6309\u7167\u4ee5\u4e0b\u7684\u6b65\u9aa4\uff1a<\/p>\n\n\n\n<ol><li>\u8bc4\u4f30\u60a8\u7684\u8f66\u8f86\u635f\u574f\u60c5\u51b5\u3002\u5982\u679c\u60a8\u7684\u6c7d\u8f66\u4e25\u91cd\u635f\u574f\u9700\u8981\u62d6\u8f66\u670d\u52a1\uff0c\u8bf7\u7acb\u5373\u8054\u7cfb\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e7%83%ad%e7%ba%bf%e7%94%b5%e8%af%9d%e6%b1%87%e6%80%bb\/\">\u4fdd\u9669\u516c\u53f8<\/a>\u3002<\/li><li>\u62cd\u7167\uff08\u60a8\u53ca\u5bf9\u65b9\u7684\u8f66\u8f86\uff09\uff0c\u5e76\u8bb0\u5f55\u76f8\u5173\u4fe1\u606f\uff08\u8f66\u724c\u53f7\u3001\u8def\u7a0e\u7b49\uff09\u3002<\/li><li>\u83b7\u53d6\u7b2c\u4e09\u65b9\u53f8\u673a\u7684\u4e2a\u4eba\u4fe1\u606f\uff08\u5168\u540d\u3001\u8eab\u4efd\u8bc1\u53f7\u7801\u3001\u7535\u8bdd\u53f7\u7801\uff09<\/li><li>\u628a\u4f60\u7684\u8f66\u5f00\u5230\u90bb\u8fd1\u7684\u8b66\u5bdf\u5c40\uff0c\u5e76\u5728 24 \u5c0f\u65f6\u5185\u62a5\u6848\u3002<\/li><li>\u5c06\u6c7d\u8f66\u5f00\u5230\u4fdd\u9669\u516c\u53f8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/\">\u6388\u6743\u8f66\u5382<\/a>\u3002<\/li><li>\u51c6\u5907\u5e76\u63d0\u4ea4\u7d22\u8d54\u4fdd\u9669\u6240\u9700\u7684\u6587\u4ef6\uff08\u62a5\u6848\u7eb8\u3001\u4fdd\u5355\u3001\u8eab\u4efd\u8bc1\u53ca\u9a7e\u7167\u526f\u672c\uff09<\/li><li>\u4e00\u5207\u5b8c\u6210\u540e\uff0c\u8f66\u5382\u5de5\u4eba\u5c06\u5f00\u59cb\u7ef4\u4fee\u60a8\u7684\u6c7d\u8f66\u3002<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%B0%8F%E6%84%8F%E5%A4%96%E5%8F%AF%E4%BB%A5%E7%B4%A2%E8%B5%94%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%90%97%EF%BC%9F\"><\/span>\u5c0f\u610f\u5916\u53ef\u4ee5\u7d22\u8d54\u6c7d\u8f66\u4fdd\u9669\u5417\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"5933\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kereta-akibat-kemalangan\/attachment\/211008_bjakblog_nurul_a6-01-01\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A6-01-01.png?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=\"Tuntutan insurans disebabkan kerosakan pada kenderaan akibat kemalangan\" data-image-description=\"\" data-image-caption=\"\" 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