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<\/div>\n
2016\u5e741\u670816\u65e5\uff0c\u4e9a\u5229\u6851\u90a3\u5dde\u53d1\u751f\u4e00\u8d77\u8f66\u7978\uff0c\u906d\u9047\u8f66\u7978\u768419\u5c81\u4e2d\u56fd\u5973\u7559\u5b66\u751f\u6c5f\u73a5\u88ab32\u5c81\u7684Holly Davis\u67aa\u6740\u8eab\u4ea1\u3002\u56fe\u4e3a18\u65e5\u4e0b\u53483\u70b9\uff0c\u4e9a\u5229\u6851\u90a3\u5dde\u7acb\u5927\u5b66\u5b66\u751f\u6765\u5230\u4e8b\u53d1\u5730\u70b9\u6446\u4e0a\u9c9c\u82b1\uff0c\u4e3e\u884c\u60bc\u5ff5\u6d3b\u52a8\u3002\uff08\u8d44\u6599\u56fe\u7247\uff09<\/div>\n

 <\/p>\n

\u4e00\u3001\u9a7e\u8f66\u5b89\u5168<\/p>\n

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<\/div>\n
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 <\/p>\n

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\u82cf\u5180\u5c71\u6307\u51fa\uff0c\u8bb8\u591a\u7559\u5b66\u751f\u5728\u906d\u9047\u8f66\u7978\u540e\u56e0\u82f1\u6587\u4e0d\u597d\u800c\u653e\u5f03\u62a5\u8b66\u3001\u56e0\u62c5\u5fc3\u5929\u4ef7\u533b\u7597\u8d26\u5355\u800c\u9009\u62e9\u4e0d\u53bb\u533b\u9662\u6cbb\u7597\u6216\u5bb3\u6015\u803d\u8bef\u65f6\u95f4\u9009\u62e9\u79c1\u4e86\u3001\u4ee5\u53ca\u4e0d\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u3002\u4ee5\u4e0a\u7684\u4e09\u79cd\u505a\u6cd5\uff0c\u5219\u662f\u5927\u9519\u7279\u9519\u3002<\/p>\n

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\u82cf\u5180\u5c71\u6307\u51fa\uff0c\u8bb8\u591a\u7559\u5b66\u751f\u5728\u53d1\u751f\u4ea4\u901a\u4e8b\u6545\u540e\u90fd\u65e0\u6cd5\u5f97\u5230\u5e94\u6709\u7684\u8d54\u507f\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u8bb8\u591a\u7559\u5b66\u751f\u5fc3\u5e95\u5b58\u5728\u6015\u533b\u751f\u3001\u6015\u533b\u9662\u3001\u6015\u9762\u5bf9\u5929\u4ef7\u533b\u7597\u8d26\u5355\u7684\u5fc3\u7406\u3002\u5f53\u4fdd\u9669\u516c\u53f8\u5728\u8c03\u67e5\u65f6\u81f4\u7535\u5b66\u751f\u8be2\u95ee\u662f\u5426\u5728\u8f66\u7978\u4e2d\u53d7\u4f24\uff0c\u7559\u5b66\u751f\u7684\u53cd\u5e94\u591a\u4e3a\u80fd\u4e0d\u8bf4\u5c31\u4e0d\u8bf4\uff0c\u56e0\u4e3a\u5bb3\u6015\u4ea7\u751f\u989d\u5916\u7684\u6cbb\u7597\u8d39\u7528\u3002\u5bf9\u6b64\u82cf\u5180\u5c71\u8868\u793a\uff0c\u5f53\u5b66\u751f\u4f5c\u4e3a\u8f66\u7978\u53d7\u5bb3\u8005\u65f6\u5e94\u8be5\u5c06\u53d7\u4f24\u60c5\u51b5\u5982\u5b9e\u8bb2\u8ff0\uff0c\u4fbf\u4e8e\u4fdd\u9669\u65b9\u4f5c\u51fa\u53ca\u65f6\u7406\u8d54\u3002\u56e0\u6b64\u65e0\u8bba\u5982\u4f55\u90fd\u8981\u53bb\u505a\u533b\u7597\u68c0\u67e5\uff0c\u5e76\u8bf7\u533b\u9662\u5e2e\u4f60\u586b\u5199\u4e00\u4efd\u7d22\u8d54\u5355\u3002<\/p>\n

\u5728\u7f8e\u56fd\u5343\u4e07\u4e0d\u8981\u76f8\u4fe1\u79c1\u4e86\uff0c\u51fa\u4e86\u8f66\u7978\u5e94\u7b2c\u4e00\u65f6\u95f4\u62a5\u8b66\u4ee5\u53ca\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u3002\u5728\u4e2d\u56fd\u8bb8\u591a\u4e8b\u6545\u5f53\u4e2d\uff0c\u53f8\u673a\u56e0\u4e3a\u5c0f\u64e6\u78b0\u800c\u4e0d\u60f3\u82b1\u65f6\u95f4\u7b49\u4fdd\u9669\u516c\u53f8\u5904\u7406\u4ece\u800c\u9009\u62e9\u79c1\u4e86\u3002\u800c\u5728\u7f8e\u56fd\uff0c\u8f66\u7978\u540e\u79c1\u4e86\u540e\u60a3\u65e0\u7a77\u3002\u5bf9\u65b9\u53ef\u80fd\u5728\u6ca1\u6709\u4efb\u4f55\u8bc1\u636e\u7684\u60c5\u51b5\u4e0b\u6536\u94b1\u5e76\u79f0\u89e3\u51b3\u95ee\u9898\uff0c\u4f46\u4e8b\u540e\u53ef\u4ee5\u901a\u8fc7\u6cd5\u5f8b\u5411\u53e6\u4e00\u65b9\u9762\u53f8\u673a\u63d0\u8d77\u8bc9\u8bbc\u5e76\u8981\u6c42\u8d54\u507f\u3002\u56e0\u6b64\u82cf\u5180\u5c71\u8868\u793a\uff0c\u7559\u5b66\u751f\u4eec\u4e00\u5b9a\u8981\u7528\u6cd5\u5f8b\u4fdd\u62a4\u81ea\u5df1\u800c\u4e0d\u662f\u7b49\u7740\u522b\u4eba\u7528\u6cd5\u5f8b\u5bf9\u6297\u4f60\u3002\u8981\u8d70\u6b63\u89c4\u7a0b\u5e8f\uff0c\u4e0d\u8981\u76f8\u4fe1\u79c1\u4e86\u3002<\/p>\n

\u8f66\u8f86\u4fdd\u9669\uff1a\u5168\u9669\u534a\u9669\u4e0d\u540c<\/p>\n

\u6700\u597d\u4e70\u5fc5\u8981\u6761\u6b3e\u589e\u52a0\u81ea\u8eab\u4fdd\u969c<\/p>\n

\u6c11\u4f17\u5728\u8d2d\u4e70\u8f66\u8f86\u4fdd\u9669\u65f6\u5c06\u9009\u62e9\u7b80\u5355\u7684\u5212\u5206\u4e3a\u5168\u9669\u4e0e\u534a\u9669\uff0c\u4e00\u822c\u60c5\u51b5\u4e0b\u534a\u9669\u662f\u6700\u57fa\u672c\u7684\u7b2c\u4e09\u65b9\u8d23\u4efb\u9669(Liability)\u3002\u8be5\u4fdd\u9669\u5728\u88ab\u4fdd\u4eba\u5728\u4e8b\u6545\u4e2d\u5bf9\u4ed6\u4eba\u7684\u8f66\u8f86\u6216\u8d22\u4ea7\u9020\u6210\u635f\u5bb3\u3002\u8be5\u4fdd\u9669\u5728\u5168\u7f8e\u5927\u591a\u6570\u5dde\u7684\u4fdd\u9669\u989d\u5ea6\u57282.5\u4e07\u81f33.5\u4e07\u4e4b\u95f4\u3002\u7ebd\u7ea6\u5dde\u89c4\u5b9a\uff0c\u8eab\u4f53\u4f24\u5bb3\u8d23\u4efb\u9669\u7684\u6700\u4f4e\u6295\u4fdd\u91d1\u989d\u4e0d\u5f97\u4f4e\u4e8e\u4e2a\u4eba2\u4e075\u5343\u5143\uff0c2\u4eba\u62162\u4eba\u4ee5\u4e0a5\u4e07\u5143\u3002\u540c\u65f6\uff0c\u8be5\u4fdd\u9669\u4e5f\u662f\u8bb8\u591a\u7559\u5b66\u751f\u8d2d\u4e70\u65f6\u7684\u9009\u62e9\uff0c\u66a8\u6309\u7167\u6240\u5728\u5dde\u6cd5\u5f8b\u8981\u6c42\u7684\u6700\u4f4e\u4fdd\u9669\u989d\u5ea6\u5b8c\u6210\u8d2d\u4e70\u3002<\/p>\n

\u4f46\u4f5c\u4e3a\u4fdd\u9669\u98ce\u9669\u5206\u6790\u5e08\uff0c\u82cf\u5180\u5c71\u5efa\u8bae\u5e7f\u5927\u7559\u5b66\u751f\u8d2d\u4e70\u4fdd\u989d\u57285\u4e07\u4ee5\u4e0a\u4fdd\u9669\uff0c\u76f8\u5bf9\u53ef\u4ee5\u63d0\u4f9b\u66f4\u591a\u7684\u4fdd\u969c\u3002\u5982\u7559\u5b66\u751f\u4ec5\u8d2d\u4e70\u4e86\u8f66\u8f86\u7684\u534a\u9669\uff0c\u5219\u5efa\u8bae\u52a0\u4e70UMUI\u9669(Uninsured and Underinsured Motorist Coverage)\u3002\u8be5\u9669\u63d0\u4f9b\u7684\u4fdd\u969c\u662f\uff0c\u5f53\u88ab\u4fdd\u4eba\u5728\u4ea4\u901a\u4e8b\u6545\u4e2d\u53d7\u4f24\u4ee5\u53ca\u8f66\u8f86\u53d7\u635f\u6216\u8087\u4e8b\u8005\u5e76\u6ca1\u6709\u8d2d\u4e70\u4fdd\u9669\u4ee4\u88ab\u4fdd\u4eba\u65e0\u6cd5\u4ece\u5176\u4fdd\u9669\u516c\u53f8\u83b7\u5f97\u8865\u507f\u7684\u60c5\u51b5\u4e0b\uff0c\u8d2d\u4e70UMUI\u9669\u5219\u4f1a\u83b7\u5f97\u81ea\u8eab\u6295\u4fdd\u7684\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u8d54\u507f\u3002\u540c\u65f6\uff0c\u4fdd\u9669\u4e2d\u5efa\u8bae\u7559\u5b66\u751f\u53ef\u8d2d\u4e70\u4e2a\u4eba\u4f24\u5bb3\u9669(Personal injury protection\uff0cPIP)\u5219\u4e3a\u8f66\u5185\u4e58\u5ba2\u4ee5\u53ca\u9a7e\u9a76\u5458\u63d0\u4f9b\u533b\u7597\u4fdd\u969c\u3002<\/p>\n

\u4e2d\u7f8e\u4ea4\u901a\u89c4\u5219\u5185\u6db5\u4e0d\u540c \u5b89\u5168\u7b2c\u4e00\u8981\u8bb0\u7262<\/p>\n

\u3010\u4fa8\u62a5\u8bb0\u8005\u9648\u8fb05\u67089\u65e5\u7ebd\u7ea6\u62a5\u9053\u3011\u56db\u6708\u6625\u5047\u4ee5\u6765\uff0c\u7f8e\u4e1c\u5730\u533a\u53d1\u751f\u591a\u8d77\u6d89\u53ca\u7559\u5b66\u751f\u7684\u8f66\u7978\uff0c\u5176\u4e2d\u4e0d\u4e4f\u917f\u6210\u8f66\u6bc1\u4eba\u4ea1\u7684\u60e8\u5267\u3002\u5e74\u8f7b\u751f\u547d\u65e0\u6cd5\u633d\u56de\u7684\u4f24\u75db\u5df2\u518d\u5ea6\u5524\u8d77\u6d77\u5916\u5b66\u5b50\u5bf9\u4ea4\u901a\u5b89\u5168\u7684\u91cd\u89c6\uff0c\u4e3a\u6b64\u300a\u4fa8\u62a5\u300b\u5bf9\u8bdd\u7ebd\u7ea6\u9a7e\u6821\uff0c15\u5e74\u6559\u5b66\u7ecf\u9a8c\u534e\u88d4\u6559\u7ec3\u8c08\u4e2d\u7f8e\u4ea4\u89c4\u4e0d\u540c\uff0c\u4e3a\u7559\u5b66\u751f\u652f\u62db\u9a7e\u8f66\u5b89\u5168\u3002<\/p>\n

\u968f\u7740\u4e2d\u56fd\u7ecf\u6d4e\u7684\u53d1\u5c55\uff0c\u73b0\u5982\u4eca\u51fa\u56fd\u7559\u5b66\u5df2\u7ecf\u8d70\u5165\u5e73\u5e38\u5bb6\u5ead\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u5e74\u8f7b\u5b66\u5b50\u8d70\u51fa\u56fd\u95e8\u6765\u7f8e\u6df1\u9020\u3002\u5728\u7f8e\u56fd\u9a7e\u8f66\u5916\u51fa\u662f\u6700\u5e38\u89c1\u7684\u4ea4\u901a\u65b9\u5f0f\uff0c\u76f8\u5bf9\u4fbf\u5b9c\u7684\u8f66\u4ef7\u4e0e\u6cb9\u4ef7\u6210\u5c31\u4e86\u8fd9\u4e2a\u201c\u8f66\u8f6e\u4e0a\u7684\u56fd\u5ea6\u201d\u3002\u5bf9\u4e8e\u8d8a\u6765\u8d8a\u591a\u6765\u7f8e\u8bfb\u4e66\u7684\u7559\u5b66\u751f\u6765\u8bf4\uff0c\u4e3a\u65b9\u4fbf\u51fa\u884c\u4e70\u8f66\u6210\u4e86\u5fc5\u505a\u4e4b\u4e8b\u3002\u968f\u4e4b\u800c\u6765\uff0c\u4e5f\u4ea7\u751f\u4e86\u8d8a\u6765\u8d8a\u591a\u7684\u5173\u4e8e\u4ea4\u901a\u5b89\u5168\u4e8b\u6545\u7684\u95ee\u9898\u3002<\/p>\n

\u6cd5\u62c9\u76db\u4f5c\u4e3a\u534e\u4eba\u805a\u5c45\u793e\u533a\uff0c\u6709\u7740\u4f17\u591a\u4e3a\u65b0\u79fb\u6c11\u670d\u52a1\u7684\u9a7e\u6821\u3002\u7531\u4e8e\u5730\u70b9\u7684\u4fbf\u5229\u4ee5\u53ca\u8bed\u8a00\u7684\u4f18\u52bf\uff0c\u8bb8\u591a\u7559\u5b66\u751f\u4e5f\u9009\u62e9\u5728\u7ebd\u7ea6\u627e\u4e2d\u6587\u9a7e\u6821\u5b66\u8f66\uff0c\u968f\u540e\u8003\u53d6\u9a7e\u7167\u3002\u4ece\u4e8b\u9a7e\u8f66\u6559\u7ec3\u4e00\u804c15\u5e74\u7684\u534e\u88d4\u9ec4\u5148\u751f\u6307\u51fa\uff0c\u5c3d\u7ba1\u8bb8\u591a\u7559\u5b66\u751f\u5728\u4e2d\u56fd\u5df2\u7ecf\u662f\u5f00\u8f66\u6570\u5e74\u7684\u201c\u8001\u53f8\u673a\u201d\uff0c\u4f46\u5728\u7f8e\u56fd\u8003\u9a7e\u7167\u5374\u5c61\u6b21\u4e0d\u8fc7\uff0c\u591a\u5e74\u7684\u9a7e\u9a76\u7ecf\u9a8c\u4e5f\u906d\u9047\u6c34\u571f\u4e0d\u670d\u3002\u66f4\u6709\u751a\u8005\u4e0d\u7cfb\u5b89\u5168\u5e26\u3001\u95ef\u7ea2\u706f\u7b49\u5371\u9669\u9a7e\u9a76\u884c\u4e3a\u6bd4\u6bd4\u7686\u662f\uff0c\u800c\u8ffd\u6839\u6eaf\u6e90\u5219\u662f\u56e0\u4e3a\u4e2d\u7f8e\u4ea4\u89c4\u5927\u4e0d\u540c\u6240\u81f4\u3002<\/p>\n

\u4e2d\u7f8e\u9a7e\u6821\u7684\u4e0d\u540c<\/p>\n

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