{"id":41577,"date":"2025-05-11T19:28:01","date_gmt":"2025-05-11T23:28:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/05\/11\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%b1%bd%e8%bd%a6%e4%bf%9d%e8%b4%b9%e5%b7%b2%e7%96%af%e6%b6%a836%ef%bc%81%e4%b8%93%e5%ae%b6%e6%95%99%e4%bd%a05%e6%8b%9b%e7%9c%81%e9%92%b1\/"},"modified":"2025-05-11T19:28:01","modified_gmt":"2025-05-11T23:28:01","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%b1%bd%e8%bd%a6%e4%bf%9d%e8%b4%b9%e5%b7%b2%e7%96%af%e6%b6%a836%ef%bc%81%e4%b8%93%e5%ae%b6%e6%95%99%e4%bd%a05%e6%8b%9b%e7%9c%81%e9%92%b1","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/41577","title":{"rendered":"\u52a0\u62ff\u5927\u6c7d\u8f66\u4fdd\u8d39\u5df2\u75af\u6da836%\uff01\u4e13\u5bb6\u6559\u4f605\u62db\u7701\u94b1"},"content":{"rendered":"

\u52a0\u62ff\u5927\u6c7d\u8f66\u8d8a\u6765\u8d8a\u8d35\u4e86\uff01<\/p>\n

\u5361\u5c14\u52a0\u91cc\u5973\u5b50Jenna Kardal\u8fc7\u53bb\u51e0\u5e74\u4e00\u76f4\u5728\u7236\u6bcd\u7684\u4fdd\u9669\u8ba1\u5212\u4e0b\u5f00\u8f66\uff0c\u5f53\u5979\u9996\u6b21\u5c1d\u8bd5\u4e3a\u81ea\u5df120\u591a\u5e74\u8f66\u9f84\u7684\u4e8c\u624b\u8f66\u8d2d\u4e70\u4fdd\u9669\u65f6\uff0c\u88ab\u62a5\u4ef7\u5413\u5446\u4e86\u3002<\/p>\n

\u201c\u6211\u5f53\u65f6\u7684\u53cd\u5e94\u662f\uff1a\u2018\u4f60\u5f00\u4ec0\u4e48\u73a9\u7b11\uff1f\u2019\u201d\u73b0\u5e7430\u5c81\u7684Kardal\u5728\u63a5\u53d7\u91c7\u8bbf\u65f6\u56de\u5fc6\u9053\uff0c\u201c\u6211\u5c31\u95ee\uff1a\u8fd9\u4e2a\u62a5\u4ef7\u90fd\u5305\u542b\u4e86\u4ec0\u4e48\uff1f\u6211\u4eec\u600e\u4e48\u624d\u80fd\u628a\u5b83\u964d\u4e0b\u6765\uff1f\u201d<\/p>\n

\u90a3\u65f6\u5979\u8fd8\u5728\u8bfb\u7814\u7a76\u751f\uff0c\u7701\u94b1\u662f\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u6838\u5fc3\u8bdd\u9898\u3002\u6700\u7ec8\uff0c\u5979\u4e3a\u81ea\u5df12002\u5e74\u7684\u65e5\u4ea7Maxima\uff08\u5979\u4e3a\u5b83\u53d6\u540d\u53ebMaxwell\uff09\u4e89\u53d6\u5230\u6bcf\u6708130\u52a0\u5143\u7684\u65b0\u62a5\u4ef7\u3002\u51e0\u5e74\u540e\u56e0\u9a7e\u9a76\u8bb0\u5f55\u826f\u597d\uff0c\u4fdd\u8d39\u53c8\u964d\u81f3\u6bcf\u6708108\u52a0\u5143\u3002<\/p>\n

\n<\/figure>\n

\u4fdd\u8d39\u4e3a\u4ec0\u4e48\u4e0a\u6da8\uff1f<\/strong><\/p>\n

\u6839\u636e\u52a0\u62ff\u5927\u7edf\u8ba1\u5c40\u7684\u6570\u636e\uff0c\u65b0\u51a0\u75ab\u60c5\u4e2d\u671f\u66fe\u51fa\u73b0\u77ed\u6682\u7684\u8f66\u9669\u4fdd\u8d39\u4e0b\u964d\uff0c\u539f\u56e0\u662f\u4eba\u4eec\u51fa\u884c\u51cf\u5c11\uff0c\u540c\u65f6BC\u7701\u3001\u8428\u7701\u548c\u66fc\u7701\u7b49\u5730\u7684\u653f\u5e9c\u4fdd\u9669\u516c\u53f8\u4e5f\u63d0\u4f9b\u4e86\u6298\u6263\u548c\u9000\u6b3e\u3002\u4f46\u603b\u4f53\u6765\u770b\uff0c\u5168\u56fd\u4fdd\u8d39\u5728\u8fc7\u53bb10\u5e74\u6301\u7eed\u4e0a\u6da8\u2014\u20142014\u5e74\u81f32024\u5e74\u95f4\u4e0a\u6da8\u4e8636%\u3002<\/p>\n

\u4fdd\u9669\u884c\u4e1a\u4e13\u5bb6Sherif Gemayel\u6307\u51fa\uff0c\u5bfc\u81f4\u6210\u672c\u4e0a\u5347\u7684\u539f\u56e0\u5305\u62ec\u6c7d\u8f66\u76d7\u7a83\u589e\u52a0\uff0c\u4ee5\u53ca\u8f66\u8f86\u8d8a\u6765\u8d8a\u591a\u914d\u5907\u9ad8\u79d1\u6280\u96f6\u90e8\u4ef6\uff0c\u7ef4\u4fee\u548c\u66f4\u6362\u6210\u672c\u9ad8\u6602\u3002<\/p>\n

\u9664\u6b64\u4e4b\u5916\uff0c\u8bc9\u8bbc\u6210\u672c\u3001\u96f6\u4ef6\u3001\u4eba\u5de5\u8d39\u7528\u56e0\u901a\u80c0\u4e5f\u5728\u4e0a\u6da8\u3002<\/p>\n

\u52a0\u62ff\u5927\u4fdd\u9669\u5c40\u897f\u90e8\u526f\u603b\u88c1Aaron Sutherland\u8865\u5145\u8bf4\uff0c\u52a0\u62ff\u5927\u4e0e\u7f8e\u56fd\u7684\u8d38\u6613\u51b2\u7a81\u4ee5\u53ca\u8d8a\u6765\u8d8a\u9891\u7e41\u7684\u6781\u7aef\u5929\u6c14\uff08\u5982\u6d2a\u6c34\u3001\u5c71\u706b\u3001\u51b0\u96f9\u7b49\uff09\u4e5f\u63a8\u9ad8\u4e86\u4fdd\u9669\u7406\u8d54\u91d1\u989d\u3002<\/p>\n

\u56e0\u6b64\uff0cSutherland\u5efa\u8bae\u52a0\u62ff\u5927\u4eba\u5e94\u5b9a\u671f\u5ba1\u67e5\u8f66\u9669\u4fdd\u5355\uff0c\u201c\u786e\u4fdd\u6bcf\u4e00\u5206\u94b1\u90fd\u82b1\u5f97\u503c\u3002\u201d<\/p>\n

\n<\/figure>\n

\u964d\u4f4e\u4fdd\u8d39\u76845\u4e2a\u65b9\u6cd5<\/strong><\/p>\n

1. \u4e3b\u52a8\u6c9f\u901a\uff0c\u4e89\u53d6\u66f4\u591a\u9009\u9879<\/p>\n

Kardal\u5c31\u662f\u901a\u8fc7\u4e3b\u52a8\u6c9f\u901a\u5f97\u5230\u4e86\u66f4\u4f4e\u62a5\u4ef7\u3002\u5979\u8bf4\uff1a\u201c\u4f60\u6c38\u8fdc\u4e0d\u77e5\u9053\u4f1a\u4e0d\u4f1a\u62ff\u5230\u66f4\u597d\u7684\u4ef7\u683c\uff0c\u9664\u975e\u4f60\u5f00\u53e3\u95ee\u3002\u201d<\/p>\n

\u52a0\u62ff\u5927\u4fdd\u9669\u5e02\u573a\u662f\u7ade\u4e89\u6027\u7684\uff0cSutherland\u5efa\u8bae\u8f66\u4e3b\u4e0e\u4fdd\u9669\u7ecf\u7eaa\u4eba\u6c9f\u901a\uff0c\u591a\u505a\u5bf9\u6bd4\uff0c\u201c\u4f60\u53ef\u80fd\u4f1a\u5728\u522b\u7684\u516c\u53f8\u627e\u5230\u66f4\u4fbf\u5b9c\u7684\u65b9\u6848\u3002\u201d<\/p>\n

2. \u63d0\u9ad8\u514d\u8d54\u989d\uff08Deductible\uff09<\/p>\n

\u514d\u8d54\u989d\u2014\u2014\u5373\u5ba2\u6237\u540c\u610f\u5728\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u5269\u4f59\u90e8\u5206\u4e4b\u524d\u81ea\u638f\u8170\u5305\u7684\u91d1\u989d\u8d8a\u9ad8\uff0c\u4fdd\u8d39\u53ef\u80fd\u8d8a\u4f4e\u3002Gemayel\u8868\u793a\uff0c\u4ee5\u524d\u5e38\u89c1\u7684\u662f250\u52a0\u5143\uff0c\u73b0\u5728\u5f88\u591a\u4eba\u4f1a\u9009\u62e91000\u30012500\u751a\u81f35000\u52a0\u5143\u7684\u514d\u8d54\u989d\uff0c\u4ee5\u964d\u4f4e\u4fdd\u8d39\u3002<\/p>\n

3. \u8003\u8651\u4f60\u7684\u7528\u8f66\u9891\u7387<\/p>\n

\u5982\u679c\u4f60\u4e00\u5468\u53ea\u5f00\u8f66\u51e0\u6b21\uff0c\u4ec5\u7528\u4e8e\u65e5\u5e38\u4e70\u83dc\u3001\u529e\u4e8b\uff0c\u4e8b\u6545\u98ce\u9669\u8fdc\u4f4e\u4e8e\u6bcf\u5929\u9ad8\u5cf0\u901a\u52e4\u3002Gemayel\u63a8\u8350\u201c\u6309\u91cc\u7a0b\u8ba1\u8d39\u201d\u7684\u8f66\u9669\u4ea7\u54c1\uff0c\u901a\u8fc7\u8f66\u8f7d\u8bbe\u5907\u8ffd\u8e2a\u516c\u91cc\u6570\uff0c\u53ea\u6709\u5728\u603b\u91cc\u7a0b\u8f83\u4f4e\u7684\u60c5\u51b5\u4e0b\u624d\u80fd\u83b7\u5f97\u6298\u6263\u3002<\/p>\n

4. \u8001\u8f66\u53ef\u4ee5\u8003\u8651\u53d6\u6d88\u78b0\u649e\u9669<\/p>\n

\u5982\u679c\u8f66\u9f84\u572815\u5e74\u6216\u4ee5\u4e0a\uff0c\u53ef\u4e0e\u4fdd\u9669\u987e\u95ee\u8ba8\u8bba\u662f\u5426\u53d6\u6d88\u78b0\u649e\u9669\uff08Collision Coverage\uff09\uff0c\u53ef\u80fd\u51cf\u5c1130%\u4ee5\u4e0a\u7684\u4fdd\u8d39\u3002\u4f46\u9700\u8bc4\u4f30\u98ce\u9669\u627f\u53d7\u80fd\u529b\u3002<\/p>\n

Kardal\u8868\u793a\uff0c\u5728\u9884\u7b97\u7d27\u5f20\u4e14\u8f66\u8f86\u8f66\u9f84\u8fd120\u5e74\u65f6\uff0c\u5979\u9009\u62e9\u653e\u5f03\u78b0\u649e\u9669\uff1a\u201c\u5982\u679c\u4f60\u771f\u7684\u5f88\u7a77\u2026\u2026\u4e5f\u8bb8\u53ef\u4ee5\u4e0d\u4e70\u78b0\u649e\u9669\u3001\u7efc\u5408\u9669\uff0c\u7701\u4e0b\u7684\u94b1\u53ef\u4ee5\u8ba9\u4f60\u591a\u5403\u51e0\u5305\u6ce1\u9762\u3002\u4f46\u8981\u4ed4\u7ec6\u6743\u8861\u98ce\u9669\uff0c\u5982\u679c\u771f\u7684\u649e\u4e86\u8f66\uff0c\u4f60\u5c31\u5f97\u81ea\u5df1\u638f\u94b1\u4fee\u6216\u6362\u8f66\u4e86\u3002\u201d<\/p>\n

5. \u9a7e\u9a76\u8868\u73b0\u597d\uff0c\u4eab\u53d7\u5956\u52b1<\/p>\n

\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u63a8\u51fa\u201c\u884c\u4e3a\u8ba1\u8d39\u201d\u4ea7\u54c1\uff0c\u901a\u8fc7\u624b\u673aApp\u6216\u8f66\u8f7d\u8bbe\u5907\u8ffd\u8e2a\u4f60\u7684\u9a7e\u9a76\u4e60\u60ef\uff0c\u5982\u6025\u5239\u8f66\u3001\u8d85\u901f\u3001\u6025\u52a0\u901f\u7b49\u3002<\/p>\n

\u597d\u7684\u9a7e\u9a76\u884c\u4e3a\u6709\u53ef\u80fd\u964d\u4f4e\u4fdd\u8d39\u591a\u8fbe25%<\/strong>\u3002\u4f46\u53cd\u4e4b\uff0c\u82e5\u7cfb\u7edf\u8bb0\u5f55\u5230\u4f60\u5b58\u5728\u9ad8\u98ce\u9669\u9a7e\u9a76\u6a21\u5f0f\uff0c\u4e5f\u53ef\u80fd\u5bfc\u81f4\u7eed\u4fdd\u65f6\u6da8\u4ef7\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u52a0\u62ff\u5927\u6c7d\u8f66\u8d8a\u6765\u8d8a\u8d35\u4e86\uff01 \u5361\u5c14\u52a0\u91cc\u5973\u5b50Jenna Kardal\u8fc7\u53bb\u51e0\u5e74\u4e00\u76f4\u5728\u7236\u6bcd\u7684\u4fdd\u9669\u8ba1\u5212\u4e0b\u5f00\u8f66\uff0c\u5f53\u5979\u9996\u6b21\u5c1d\u8bd5\u4e3a\u81ea\u5df120\u591a\u5e74\u8f66\u9f84\u7684\u4e8c\u624b\u8f66\u8d2d\u4e70\u4fdd\u9669\u65f6\uff0c\u88ab\u62a5\u4ef7\u5413\u5446\u4e86\u3002 \u201c\u6211\u5f53\u65f6\u7684\u53cd\u5e94\u662f\uff1a\u2018\u4f60\u5f00\u4ec0\u4e48\u73a9\u7b11\uff1f\u2019\u201d…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[131],"tags":[],"class_list":["post-41577","post","type-post","status-publish","format-standard","hentry","category-canada"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/41577","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/comments?post=41577"}],"version-history":[{"count":0,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/41577\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=41577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=41577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=41577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}