{"id":21065,"date":"2026-05-18T03:39:26","date_gmt":"2026-05-18T03:39:26","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21065"},"modified":"2026-05-18T03:39:26","modified_gmt":"2026-05-18T03:39:26","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aaccident-benefits","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21065","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aAccident Benefits"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728Accident Benefits Coverage \u4e2d \u5982\u4f55\u7406\u89e3\u8fd9\u6bb5\u8bdd\uff1aFor the purposes of Section 4, insured persons are defined in the Statutory Accident Benefits Schedule. In addition, insured persons also include any person who is injured or killed in an automobile accident involving the automobile and is not the named insured, or the spouse or dependant of a named insured, under any other motor vehicle liability policy, and is not covered under the policy of an automobile in which they were an occupant or which struck them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u6bb5\u8bdd\u786e\u5b9e\u662f <strong>Accident Benefits\uff08\u4e8b\u6545\u8d54\u507f\uff09\u91cc\u6700\u7ed5\u7684\u4e00\u7c7b\u5b9a\u4e49\u9898<\/strong>\uff0c\u4f46\u6211\u5e2e\u4f60\u62c6\u6210<strong>\u4e00\u53e5\u4e00\u53e5 + \u4eba\u8bdd\u7248<\/strong>\uff0c\u4f60\u5c31\u4f1a\u975e\u5e38\u6e05\u695a&#x1f447;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9fe; \u4e00\u3001\u5148\u8bf4\u7ed3\u8bba\uff08\u4e00\u53e5\u8bdd\u7248\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u5982\u679c\u4e00\u4e2a\u4eba\u53d1\u751f\u8f66\u7978\uff0c\u4f46\u5728\u4efb\u4f55\u5176\u4ed6\u8f66\u9669\u4e0b\u90fd\u201c\u6ca1\u5f97\u8d54\u201d\uff0c\u90a3\u8fd9\u5f20\u4fdd\u5355\u4e5f\u8981\u515c\u5e95\u8d54\u4ed6<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u4e8c\u3001\u9010\u53e5\u62c6\u89e3\uff08\u8003\u8bd5\u91cd\u70b9\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u6587\u6838\u5fc3\u5176\u5b9e\u5206\u4e24\u90e8\u5206\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x2705; \u7b2c\u4e00\u90e8\u5206\uff08\u57fa\u7840\u5b9a\u4e49\uff09<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">insured persons are defined in the Statutory Accident Benefits Schedule<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u610f\u601d\u662f\uff1a<br><strong>\u8c01\u80fd\u8d54\uff0c\u9996\u5148\u6309\u6cd5\u89c4\uff08SABS\uff09\u6765\u5b9a\u4e49<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u8fd9\u90e8\u5206\u662f\u6807\u51c6\u89c4\u5219\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u7b2c\u4e8c\u90e8\u5206\uff08\u91cd\u70b9\uff01\u8003\u8bd5\u7231\u8003\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u9762\u8fd9\u4e00\u5927\u6bb5\uff0c\u5176\u5b9e\u662f\u5728\u8bb2\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c\u989d\u5916\u8865\u5145\u7684\u4e00\u7c7b\u4eba\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u62c6\u5f00&#x1f447;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9e9; \u6761\u4ef61\uff1a<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">any person who is injured or killed in an automobile accident involving the automobile<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4efb\u4f55\u5728\u8fd9\u8f86\u8f66\u76f8\u5173\u4e8b\u6545\u4e2d<br><strong>\u53d7\u4f24\u6216\u6b7b\u4ea1\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u8303\u56f4\u5f88\u5e7f\uff1a\u884c\u4eba\u3001\u9a91\u8f66\u4eba\u3001\u8def\u4eba\u7b49\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9e9; \u6761\u4ef62\uff08\u5173\u952e\uff09\uff1a<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">is NOT the named insured, spouse, or dependant under another policy<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4ed6 <strong>\u4e0d\u662f<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5176\u4ed6\u4fdd\u5355\u7684\u88ab\u4fdd\u9669\u4eba<\/li>\n\n\n\n<li>\u4e5f\u4e0d\u662f\u914d\u5076 \/ \u5bb6\u5c5e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6362\u53e5\u8bdd\u8bf4\uff1a<br><strong>\u4ed6\u5728\u522b\u7684\u8f66\u9669\u91cc\u6ca1\u6709\u8eab\u4efd<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9e9; \u6761\u4ef63\uff08\u6700\u5173\u952e &#x2b50;\uff09\uff1a<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">is NOT covered under another automobile policy (as occupant or struck person)<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4ed6\u4e5f<strong>\u6ca1\u6709\u88ab\u5176\u4ed6\u8f66\u9669\u8986\u76d6<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u662f\u5750\u5728\u522b\u4eba\u7684\u8f66\u91cc\uff08occupant\uff09<\/li>\n\n\n\n<li>\u4e5f\u4e0d\u662f\u88ab\u67d0\u8f86\u6709\u4fdd\u9669\u7684\u8f66\u649e\u5230<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; \u4e09\u3001\u6574\u5408\u6210\u4eba\u8bdd<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8fd9\u6bb5\u8bdd\u771f\u6b63\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5982\u679c\u4e00\u4e2a\u4eba\u5728\u4e8b\u6545\u4e2d\u53d7\u4f24\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x274c; \u4e0d\u5c5e\u4e8e\u4efb\u4f55\u5176\u4ed6\u4fdd\u9669<\/li>\n\n\n\n<li>&#x274c; \u6ca1\u6709\u5176\u4ed6\u8f66\u9669\u53ef\u4ee5\u8d54\u4ed6<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u90a3\u4e48\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; <strong>\u8fd9\u5f20\u4fdd\u5355\u8981\u201c\u515c\u5e95\u201d\u8d54\u4ed6\uff08Accident Benefits\uff09<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u56db\u3001\u4e3e\u4e2a\u8003\u8bd5\u7ea7\u4f8b\u5b50\uff08\u975e\u5e38\u91cd\u8981\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9cd;&#x200d;&#x2642;&#xfe0f; \u60c5\u666f\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u8def\u4eba\u88ab\u8f66\u649e\u4e86\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4ed6\u6ca1\u6709\u8f66<\/li>\n\n\n\n<li>\u6ca1\u6709\u8f66\u9669<\/li>\n\n\n\n<li>\u4e5f\u4e0d\u662f\u4efb\u4f55\u4eba\u7684\u5bb6\u5ead\u6210\u5458<\/li>\n\n\n\n<li>\u6ca1\u6709\u5176\u4ed6\u4fdd\u5355<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u90a3\u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u649e\u4ed6\u7684\u8fd9\u8f86\u8f66\u7684\u4fdd\u9669 \u2192 \u8d1f\u8d23 Accident Benefits<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u4e94\u3001\u8003\u8bd5\u9677\u9631\uff08\u5fc5\u8bb0\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u5f88\u559c\u6b22\u8003\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u201c\u8fd9\u4e2a\u4eba\u6709\u6ca1\u6709\u5176\u4ed6\u4fdd\u9669\uff1f\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714; \u5224\u65ad\u987a\u5e8f\uff08\u8d85\u7ea7\u91cd\u8981\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u5148\u627e <strong>\u81ea\u5df1\u7684\u4fdd\u5355<\/strong><br>2&#xfe0f;&#x20e3; \u518d\u627e <strong>\u5bb6\u5ead\u6210\u5458\u4fdd\u5355<\/strong><br>3&#xfe0f;&#x20e3; \u518d\u627e <strong>\u6240\u4e58\u5750\u7684\u8f66<\/strong><br>4&#xfe0f;&#x20e3; \u6700\u540e\u624d\u662f <strong>\u4e8b\u6545\u8f66\u8f86\u515c\u5e95<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9fe; \u516d\u3001\u4f60\u53ef\u4ee5\u8fd9\u6837\u8bb0\uff08\u8003\u573a\u53e3\u8bc0\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u6709\u4fdd\u9669\u627e\u81ea\u5df1\uff0c\u6ca1\u4fdd\u9669\u627e\u5bb6\u4eba\uff0c\u518d\u6ca1\u6709\u627e\u8f66\u4e3b\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3c1; \u4e00\u53e5\u8bdd\u603b\u7ed3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u8fd9\u6bb5\u8bdd = Accident Benefits \u7684\u201c\u6700\u540e\u515c\u5e95\u89c4\u5219\u201d<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"http:\/\/johnhealth.ca\/wp-content\/uploads\/2026\/05\/accidentbenefits-01-683x1024.png\" alt=\"\" class=\"wp-image-21066\" srcset=\"http:\/\/johnhealth.ca\/wp-content\/uploads\/2026\/05\/accidentbenefits-01-683x1024.png 683w, http:\/\/johnhealth.ca\/wp-content\/uploads\/2026\/05\/accidentbenefits-01-200x300.png 200w, http:\/\/johnhealth.ca\/wp-content\/uploads\/2026\/05\/accidentbenefits-01-768x1152.png 768w, http:\/\/johnhealth.ca\/wp-content\/uploads\/2026\/05\/accidentbenefits-01.png 1024w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bd4\u5982\u8bf4\uff0c\u6211\u5750\u670b\u53cb\u7684\u8f66\u51fa\u4e86\u8f66\u7978\uff0c\u6211\u53d7\u4f24\u7684\u8d54\u4ed8\u662f\u7531\u6211\u7684\u6c7d\u8f66\u4fdd\u9669\u8d54\u5417\uff1f \u6211\u4e5f\u8981\u62a5\u6211\u7684\u4fdd\u9669\u516c\u53f8\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u95ee\u9898\u975e\u5e38\u5173\u952e\uff0c\u4e5f\u662f <strong>RIBO\u8003\u8bd5 + \u73b0\u5b9e\u7406\u8d54\u91cc\u6700\u5e38\u89c1\u7684\u8003\u70b9\u4e4b\u4e00<\/strong>\u3002\u6211\u76f4\u63a5\u7ed9\u4f60\u8bb2\u6e05\u695a&#x1f447;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9fe; \u4e00\u3001\u4f60\u7684\u60c5\u51b5<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4f60\u662f\uff1a<strong>\u4e58\u5ba2\uff08occupant\uff09<\/strong><br>&#x1f449; \u5750\u670b\u53cb\u7684\u8f66\u53d1\u751f\u4e8b\u6545\u5e76\u53d7\u4f24<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2705; \u4e8c\u3001\u8c01\u6765\u8d54\u4f60\u7684 Accident Benefits\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u52a0\u62ff\u5927\uff08\u5b89\u7701\u89c4\u5219\uff09&#x1f447;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u4f18\u5148\u987a\u5e8f\u662f\u8fd9\u6837\u7684\uff1a<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f947; 1&#xfe0f;&#x20e3; \u4f60\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\uff08\u5982\u679c\u4f60\u6709\u8f66\u9669\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; <strong>\u4f18\u5148\u7531\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u8d54<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5373\u4f7f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u662f\u4f60\u5f00\u7684\u8f66<\/li>\n\n\n\n<li>\u4e0d\u662f\u4f60\u7684\u8f66<\/li>\n\n\n\n<li>\u662f\u670b\u53cb\u7684\u8f66<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u53ea\u8981\u4f60\u6709\u81ea\u5df1\u7684 auto policy \u2192 \u5148\u7528\u4f60\u7684<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f948; 2&#xfe0f;&#x20e3; \u5982\u679c\u4f60\u6ca1\u6709\u8f66\u9669<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u90a3\u5c31\u770b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4f60\u662f\u5426\u548c\u6709\u8f66\u9669\u7684\u5bb6\u4eba\u540c\u4f4f<br>\uff08\u914d\u5076 \/ \u7236\u6bcd\u7b49\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7528\u4ed6\u4eec\u7684\u4fdd\u9669<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f949; 3&#xfe0f;&#x20e3; \u5982\u679c\u4ee5\u4e0a\u90fd\u6ca1\u6709<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u624d\u8f6e\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4f60\u4e58\u5750\u7684\u8fd9\u8f86\u8f66\uff08\u4f60\u670b\u53cb\u7684\u4fdd\u9669\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4de; \u4e09\u3001\u90a3\u4f60\u8981\u4e0d\u8981\u62a5\u81ea\u5df1\u7684\u4fdd\u9669\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u8981\uff01\u5fc5\u987b\u8981\uff01<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4f60\u7684\u4fdd\u9669\u516c\u53f8\u662f\u7b2c\u4e00\u8d23\u4efb\u4eba<br>&#x2714; \u4f60\u8981\u5411\u4ed6\u4eec\u7533\u8bf7 Accident Benefits<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u56db\u3001\u5f88\u591a\u4eba\u4f1a\u8bef\u89e3\uff08\u8003\u8bd5\u9677\u9631\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u201c\u6211\u5728\u670b\u53cb\u8f66\u4e0a \u2192 \u670b\u53cb\u4fdd\u9669\u8d54\u6211\u201d<br>&#x1f449; \u9519\uff01<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u6b63\u786e\u662f\uff1a<br>&#x1f449; <strong>\u8c01\u201c\u79bb\u4f60\u6700\u8fd1\u201d\uff08\u4fdd\u9669\u5173\u7cfb\u4e0a\uff09\u8c01\u5148\u8d54<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u4e94\u3001\u518d\u5e2e\u4f60\u603b\u7ed3\u6210\u4e00\u53e5\u8bdd\uff08\u8003\u573a\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u4e58\u5ba2\u53d7\u4f24 \u2192 \u5148\u627e\u81ea\u5df1\u7684\u4fdd\u9669\uff0c\u518d\u627e\u5bb6\u4eba\uff0c\u6700\u540e\u624d\u627e\u8f66\u8f86\u4fdd\u9669\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; \u516d\u3001\u8865\u5145\u4e00\u70b9\uff08\u52a0\u5206\u7406\u89e3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4f60\u670b\u53cb\u7684\u4fdd\u9669\u4e5f\u4e0d\u662f\u5b8c\u5168\u6ca1\u7528\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u4e3b\u8981\u8d1f\u8d23\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x1f697; <strong>\u8f66\u8f86\u635f\u574f\uff08Property Damage\uff09<\/strong><\/li>\n\n\n\n<li>&#x2696;&#xfe0f; <strong>\u8d23\u4efb\u9669\uff08Liability\uff09<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u5982\u679c\u4f60\u8981\u8d77\u8bc9\uff08\u4e25\u91cd\u4f24\u5bb3\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3c1; \u4e00\u53e5\u8bdd\u603b\u7ed3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u4f60\u5750\u670b\u53cb\u8f66\u51fa\u4e8b\uff1a<\/strong><br>&#x2714; \u6709\u81ea\u5df1\u4fdd\u9669 \u2192 \u7528\u81ea\u5df1\u7684<br>&#x2714; \u6ca1\u6709 \u2192 \u624d\u8f6e\u5230\u670b\u53cb\u7684<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9fe; Accident Benefits \u8c01\u8d54 \u2014 10\u79cd\u573a\u666f\u901f\u67e5\u8868<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>#<\/th><th>\u573a\u666f<\/th><th>\u8c01\u5148\u8d54\uff08\u4f18\u5148\u987a\u5e8f\uff09<\/th><th>\u5173\u952e\u8bcd<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>\u4f60\u5f00\u81ea\u5df1\u7684\u8f66\u53d7\u4f24<\/td><td>&#x2714; \u4f60\u81ea\u5df1\u7684\u4fdd\u9669<\/td><td>\u81ea\u5df1\u4f18\u5148<\/td><\/tr><tr><td>2<\/td><td>\u4f60\u5750\u670b\u53cb\u7684\u8f66\u53d7\u4f24<\/td><td>&#x2714; \u4f60\u81ea\u5df1\u7684\u4fdd\u9669<\/td><td>occupant \u4e5f\u627e\u81ea\u5df1<\/td><\/tr><tr><td>3<\/td><td>\u4f60\u6ca1\u8f66\uff0c\u4f46\u548c\u6709\u8f66\u9669\u5bb6\u4eba\u540c\u4f4f<\/td><td>&#x2714; \u5bb6\u4eba\u7684\u4fdd\u9669<\/td><td>household rule<\/td><\/tr><tr><td>4<\/td><td>\u4f60\u6ca1\u8f66\u4e5f\u6ca1\u5bb6\u4eba\u4fdd\u9669\uff0c\u5750\u522b\u4eba\u8f66<\/td><td>&#x2714; \u8f66\u8f86\u4fdd\u9669\uff08\u4f60\u5750\u7684\u8f66\uff09<\/td><td>fallback<\/td><\/tr><tr><td>5<\/td><td>\u884c\u4eba\u88ab\u8f66\u649e\uff08\u6709\u81ea\u5df1\u8f66\u9669\uff09<\/td><td>&#x2714; \u81ea\u5df1\u4fdd\u9669<\/td><td>pedestrian\u4e5f\u4e00\u6837<\/td><\/tr><tr><td>6<\/td><td>\u884c\u4eba\u88ab\u8f66\u649e\uff08\u65e0\u4fdd\u9669\uff0c\u6709\u5bb6\u4eba\uff09<\/td><td>&#x2714; \u5bb6\u4eba\u4fdd\u9669<\/td><td>family fallback<\/td><\/tr><tr><td>7<\/td><td>\u884c\u4eba\u88ab\u8f66\u649e\uff08\u5b8c\u5168\u65e0\u4fdd\u9669\uff09<\/td><td>&#x2714; \u649e\u4f60\u7684\u8f66\u7684\u4fdd\u9669<\/td><td>last resort<\/td><\/tr><tr><td>8<\/td><td>\u9a91\u81ea\u884c\u8f66\u88ab\u8f66\u649e<\/td><td>&#x2714; \u540c\u884c\u4eba\u89c4\u5219\uff08\u81ea\u5df1\u2192\u5bb6\u4eba\u2192\u8f66\u8f86\uff09<\/td><td>cyclist = pedestrian<\/td><\/tr><tr><td>9<\/td><td>\u591a\u8f66\u4e8b\u6545\uff08\u4f60\u662f\u4e58\u5ba2\uff09<\/td><td>&#x2714; \u8fd8\u662f\u5148\u627e\u81ea\u5df1\u4fdd\u9669<\/td><td>\u4e0d\u770b\u8d23\u4efb<\/td><\/tr><tr><td>10<\/td><td>\u8087\u4e8b\u9003\u9038\uff08hit &amp; run\uff09<\/td><td>&#x2714; \u81ea\u5df1 \u2192 \u5bb6\u4eba \u2192 Ontario\u57fa\u91d1<\/td><td>\u7279\u6b8a\u8003\u70b9&#x2b50;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u6838\u5fc3\u903b\u8f91\uff08\u5fc5\u987b\u80cc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6c38\u8fdc\u6309\u8fd9\u4e2a\u987a\u5e8f\u627e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f947; 1&#xfe0f;&#x20e3; \u81ea\u5df1\u7684 Auto Policy<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f948; 2&#xfe0f;&#x20e3; \u5bb6\u5ead\u6210\u5458\uff08\u540c\u4f4f\uff09\u7684 Policy<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f949; 3&#xfe0f;&#x20e3; \u4e8b\u6545\u6d89\u53ca\u7684\u8f66\u8f86 Policy<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f3c1; 4&#xfe0f;&#x20e3; \u653f\u5e9c\u515c\u5e95\uff08Ontario Motor Vehicle Accident Claims Fund\uff09<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u9ad8\u9891\u9677\u9631\uff08\u8003\u8bd5\u6700\u7231\u8003\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x274c; \u9519\u8bef\u601d\u7ef4\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\u8c01\u7684\u8f66 \u2192 \u8c01\u8d54\u201d &#x274c;<\/li>\n\n\n\n<li>\u201c\u8c01\u7684\u8d23\u4efb \u2192 \u8c01\u8d54\u201d &#x274c;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>Accident Benefits \u662f No-Fault\uff01<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2705; \u6b63\u786e\u601d\u7ef4\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u8c01\u8ddf\u4f60\u5173\u7cfb\u6700\u8fd1\uff08\u4fdd\u9669\u5173\u7cfb\uff09\uff0c\u8c01\u5148\u8d54\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; \u4e00\u53e5\u8bdd\u79d2\u6740\u6cd5\uff08\u8003\u573a\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u5148\u81ea\u5df1 \u2192 \u518d\u5bb6\u4eba \u2192 \u518d\u8f66 \u2192 \u6700\u540e\u653f\u5e9c\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4a1; \u989d\u5916\u52a0\u5206\u70b9\uff08\u5f88\u591a\u4eba\u4e0d\u77e5\u9053\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5373\u4f7f\u4f60\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u662f\u53f8\u673a<\/li>\n\n\n\n<li>\u6ca1\u8d23\u4efb<\/li>\n\n\n\n<li>\u5750\u522b\u4eba\u8f66<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4f60\u4f9d\u7136\u8981\uff1a<br>&#x1f449; <strong>\u627e\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u62a5 Accident Benefits<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f449; <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f20a0a\" class=\"has-inline-color\">RIBO\u9ad8\u9891\u201c\u5751\u9898\u578b\u201d\u2014\u20145\u9053\u6700\u5bb9\u6613\u505a\u9519\u7684\u9677\u9631\u9898<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u6211\u4f1a\uff1a\u5148\u7ed9\u9898 \u2192 \u4f60\u53ef\u4ee5\u5148\u60f3 \u2192 \u518d\u770b\u89e3\u6790\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9677\u9631\u9898 1\uff08\u6700\u7ecf\u5178\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1\uff1a<\/strong><br>A \u6ca1\u6709\u8f66\uff0c\u4e5f\u6ca1\u6709\u4fdd\u9669\u3002<br>\u4ed6\u5750\u670b\u53cb B \u7684\u8f66\u53d1\u751f\u4e8b\u6545\u53d7\u4f24\u3002<br>A \u548c\u7236\u6bcd\u540c\u4f4f\uff0c\u800c\u7236\u6bcd\u6709\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8c01\u8d54 A \u7684 Accident Benefits\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. B \u7684\u4fdd\u9669<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. A \u7236\u6bcd\u7684\u4fdd\u9669<\/mark><br>C. Ontario \u57fa\u91d1<br>D. \u65e0\u4eba\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u89e3\u6790\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A \u6ca1\u6709\u4fdd\u9669 &#x274c;<\/li>\n\n\n\n<li>\u4f46\u6709\u201c\u540c\u4f4f\u5bb6\u4eba\u4fdd\u9669\u201d &#x2714;<br>&#x1f449; \u4f18\u5148\u7ea7\uff1a<strong>\u5bb6\u4eba > \u8f66\u8f86<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x26a0;&#xfe0f; \u5f88\u591a\u4eba\u4f1a\u9009 A\uff08\u9519\u5728\u201c\u5750\u8c01\u8f66\u5c31\u627e\u8c01\u201d\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9677\u9631\u9898 2\uff08\u4e58\u5ba2\u8bef\u5bfc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2\uff1a<\/strong><br>\u4f60\u5750\u670b\u53cb\u8f66\u51fa\u4e8b\u6545\uff0c\u4f60\u4e5f\u6709\u81ea\u5df1\u7684\u8f66\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8c01\u5148\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u670b\u53cb\u7684\u4fdd\u9669<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u4f60\u7684\u4fdd\u9669<br><\/mark>C. \u53cc\u65b9\u5404\u4e00\u534a<br>D. \u770b\u8d23\u4efb<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u89e3\u6790\uff1a<\/strong><br>&#x2714; \u4f60\u6709\u81ea\u5df1\u7684 policy \u2192 <strong>\u6c38\u8fdc\u4f18\u5148<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x26a0;&#xfe0f; \u9677\u9631\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\u6211\u4e0d\u662f\u53f8\u673a\u201d &#x274c; irrelevant<\/li>\n\n\n\n<li>\u201c\u670b\u53cb\u7684\u8f66\u201d &#x274c; irrelevant<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9677\u9631\u9898 3\uff08\u884c\u4eba\u9677\u9631\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3\uff1a<\/strong><br>C \u662f\u884c\u4eba\uff0c\u88ab\u8f66\u649e\u3002<br>C \u6709\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u649e\u4ed6\u7684\u8f66<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. C \u81ea\u5df1\u7684\u4fdd\u9669<br><\/mark>C. \u653f\u5e9c\u57fa\u91d1<br>D. \u9a7e\u9a76\u5458\u4e2a\u4eba<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u89e3\u6790\uff1a<\/strong><br>&#x2714; \u884c\u4eba \u2260 \u7279\u6b8a<br>&#x1f449; <strong>\u6709\u81ea\u5df1\u4fdd\u9669 \u2192 \u4e00\u5f8b\u5148\u7528\u81ea\u5df1\u7684<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x26a0;&#xfe0f; \u5f88\u591a\u4eba\u8bef\u9009 A\uff08\u76f4\u89c9\u9519\u8bef\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9677\u9631\u9898 4\uff08\u53cc\u91cd\u65e0\u4fdd\u9669\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4\uff1a<\/strong><br>D \u6ca1\u8f66\u3001\u6ca1\u4fdd\u9669\u3001\u6ca1\u5bb6\u4eba\u4fdd\u9669\u3002<br>\u4ed6\u5750\u670b\u53cb\u8f66\u51fa\u4e8b\u6545\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u81ea\u5df1\u627f\u62c5<br>B. \u670b\u53cb\u7684\u4fdd\u9669<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. \u653f\u5e9c\u57fa\u91d1<br><\/mark>D. \u5bf9\u65b9\u8f66\u8f86<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u89e3\u6790\uff1a<\/strong><br>&#x1f449; \u524d\u4e24\u5c42\u90fd\u6ca1\u6709\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u5df1 &#x274c;<\/li>\n\n\n\n<li>\u5bb6\u4eba &#x274c;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u2192 <strong>\u56de\u5230\u8f66\u8f86\u4fdd\u9669\uff08\u4ed6\u6240\u4e58\u5750\u7684\u8f66\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x26a0;&#xfe0f; \u5f88\u591a\u4eba\u76f4\u63a5\u8df3\u5230\u653f\u5e9c\u57fa\u91d1\uff08\u9519\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9677\u9631\u9898 5\uff08Hit &amp; Run \u7ec8\u6781\u5751\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5\uff1a<\/strong><br>E \u88ab\u8f66\u649e\uff08\u8087\u4e8b\u9003\u9038\uff09\u3002<br>E \u6ca1\u6709\u8f66\u9669\uff0c\u4e5f\u6ca1\u6709\u5bb6\u4eba\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u65e0\u4eba\u8d54<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. Ontario Motor Vehicle Accident Claims Fund<br><\/mark>C. \u57ce\u5e02\u653f\u5e9c<br>D. \u4efb\u610f\u4fdd\u9669\u516c\u53f8<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u89e3\u6790\uff1a<\/strong><br>&#x2714; \u6700\u540e\u4e00\u5c42\uff1a\u653f\u5e9c\u515c\u5e95<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>Ontario Motor Vehicle Accident Claims Fund<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u4e00\u5f20\u56fe\u8bb0\u4f4f\u6240\u6709\u9898<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6240\u6709\u9898\u90fd\u5728\u8003\u8fd9\u4e2a\u987a\u5e8f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1&#xfe0f;&#x20e3; \u81ea\u5df1 \u2192 2&#xfe0f;&#x20e3; \u5bb6\u4eba \u2192 3&#xfe0f;&#x20e3; \u8f66\u8f86 \u2192 4&#xfe0f;&#x20e3; \u653f\u5e9c<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u8003\u8bd5\u6700\u7231\u6316\u7684\u5751\u603b\u7ed3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u770b\u8f66\u662f\u8c01\u7684<br>&#x274c; \u770b\u8c01\u5f00\u8f66<br>&#x274c; \u770b\u8c01\u8d23\u4efb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u90fd\u4e0d\u91cd\u8981\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3c1; \u7ec8\u6781\u4e00\u53e5\u8bdd<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>Accident Benefits \u53ea\u770b\u201c\u4fdd\u9669\u5173\u7cfb\u8fdc\u8fd1\u201d\uff0c\u4e0d\u770b\u8d23\u4efb\u3001\u4e0d\u770b\u8f66\u4e3b<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>RIBO Accident Benefits \u8003\u524d\u62bc\u9898\uff0810\u9898\u7248\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5efa\u8bae\u4f60\uff1a\u5148\u81ea\u5df1\u505a\u4e00\u904d\uff0c\u518d\u770b\u7b54\u6848\uff08\u66f4\u6709\u611f\u89c9\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 1<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u6709\u81ea\u5df1\u7684\u8f66\u9669\uff0c\u5750\u670b\u53cb\u8f66\u53d7\u4f24\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u670b\u53cb<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u4f60\u81ea\u5df1<br><\/mark>C. \u53cc\u65b9<br>D. \u653f\u5e9c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 2<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u6ca1\u6709\u8f66\u9669\uff0c\u4f46\u548c\u6709\u8f66\u9669\u7684\u914d\u5076\u540c\u4f4f\u3002\u4f60\u53d7\u4f24\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u4f60\u81ea\u5df1<br>B. <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">\u914d\u5076<\/mark><br>C. \u8f66\u8f86<br>D. \u653f\u5e9c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u6ca1\u6709\u4fdd\u9669\u3001\u6ca1\u6709\u5bb6\u4eba\u4fdd\u9669\uff0c\u4f46\u4f60\u662f\u4e58\u5ba2\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u81ea\u5df1<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u8f66\u8f86\u4fdd\u9669<br><\/mark><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-dark-gray-color\">C. \u5bf9\u65b9\u8f66<br><\/mark>D. \u653f\u5e9c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 4<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u884c\u4eba\u88ab\u649e\uff0c\u6709\u81ea\u5df1\u7684\u8f66\u9669\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u649e\u4ed6\u7684\u8f66<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u81ea\u5df1\u4fdd\u9669<br><\/mark>C. \u9a7e\u9a76\u5458<br>D. \u653f\u5e9c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 5<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u884c\u4eba\u88ab\u649e\uff0c\u6ca1\u6709\u4fdd\u9669\uff0c\u4f46\u548c\u7236\u6bcd\u540c\u4f4f\uff08\u7236\u6bcd\u6709\u8f66\u9669\uff09\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u649e\u4ed6\u7684\u8f66<br>B. <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">\u7236\u6bcd\u4fdd\u9669<\/mark><br>C. \u653f\u5e9c<br>D. \u65e0\u4eba<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 6\uff08\u6613\u9519&#x2b50;\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u591a\u8f66\u4e8b\u6545\uff0c\u4f60\u662f\u4e58\u5ba2\u4e14\u6709\u4fdd\u9669\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u6709\u8d23\u4efb\u7684\u8f66<br>B. \u6240\u6709\u8f66\u5e73\u5206<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. \u4f60\u81ea\u5df1\u7684\u4fdd\u9669<br><\/mark>D. \u4f60\u5750\u7684\u8f66<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 7\uff08\u6982\u5ff5\u9898\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Accident Benefits \u5c5e\u4e8e\u54ea\u79cd\u7c7b\u578b\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. At-fault<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. No-fault<br><\/mark>C. Liability<br>D. Property<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 8\uff08\u987a\u5e8f\u9898&#x2b50;\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u54ea\u4e00\u4e2a\u987a\u5e8f\u6b63\u786e\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u8f66\u8f86 \u2192 \u81ea\u5df1 \u2192 \u5bb6\u4eba \u2192 \u653f\u5e9c<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u81ea\u5df1 \u2192 \u5bb6\u4eba \u2192 \u8f66\u8f86 \u2192 \u653f\u5e9c<br><\/mark>C. \u5bb6\u4eba \u2192 \u81ea\u5df1 \u2192 \u8f66\u8f86 \u2192 \u653f\u5e9c<br>D. \u653f\u5e9c \u2192 \u8f66\u8f86 \u2192 \u5bb6\u4eba \u2192 \u81ea\u5df1<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 9\uff08\u7ec8\u6781\u5751\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u6ca1\u4fdd\u9669\u3001\u6ca1\u5bb6\u4eba\u3001\u4e5f\u4e0d\u662f\u8f66\u5185\u4e58\u5ba2\uff08\u6bd4\u5982\u8def\u4eba\uff09\uff0c\u88ab\u649e\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u653f\u5e9c<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u649e\u4f60\u7684\u8f66<br><\/mark>C. \u65e0\u4eba<br>D. \u4efb\u610f\u4fdd\u9669<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u62bc\u9898 10\uff08Hit &amp; Run\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8087\u4e8b\u9003\u9038 + \u65e0\u4efb\u4f55\u4fdd\u9669\u8d44\u6e90\u3002<br>&#x1f449; \u8c01\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u65e0\u4eba<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u653f\u5e9c\u57fa\u91d1<br><\/mark>C. \u57ce\u5e02<br>D. \u9a7e\u9a76\u5458<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2705; \u6807\u51c6\u7b54\u6848 + \u901f\u89e3<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9898\u53f7<\/th><th>\u7b54\u6848<\/th><th>\u4e00\u53e5\u8bdd\u903b\u8f91<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>B<\/td><td>\u6709\u81ea\u5df1 \u2192 \u7528\u81ea\u5df1<\/td><\/tr><tr><td>2<\/td><td>B<\/td><td>\u6ca1\u81ea\u5df1 \u2192 \u627e\u5bb6\u4eba<\/td><\/tr><tr><td>3<\/td><td>B<\/td><td>\u518d\u6ca1\u6709 \u2192 \u8f66\u8f86<\/td><\/tr><tr><td>4<\/td><td>B<\/td><td>\u884c\u4eba\u4e5f\u5148\u627e\u81ea\u5df1<\/td><\/tr><tr><td>5<\/td><td>B<\/td><td>\u5bb6\u5ead\u4f18\u5148<\/td><\/tr><tr><td>6<\/td><td>C<\/td><td>\u4e0d\u770b\u8d23\u4efb<\/td><\/tr><tr><td>7<\/td><td>B<\/td><td>No-Fault<\/td><\/tr><tr><td>8<\/td><td>B<\/td><td>\u6807\u51c6\u987a\u5e8f<\/td><\/tr><tr><td>9<\/td><td>B<\/td><td>\u8f66\u8f86\u515c\u5e95<\/td><\/tr><tr><td>10<\/td><td>B<\/td><td>\u653f\u5e9c\u6700\u540e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u8003\u524d\u6700\u540e\u4e00\u6761\uff08\u6781\u91cd\u8981\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4f60\u5982\u679c\u53ea\u8bb0\u4e00\u4ef6\u4e8b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201c\u5148\u81ea\u5df1 \u2192 \u518d\u5bb6\u4eba \u2192 \u518d\u8f66 \u2192 \u6700\u540e\u653f\u5e9c\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; \u518d\u9001\u4f60\u4e00\u4e2a\u8003\u573a\u6280\u5de7<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u9047\u5230\u4e0d\u4f1a\u7684\u9898\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u5148\u6392\u9664\u201c\u653f\u5e9c\u201d\uff08\u9664\u975e\u771f\u7684\u6ca1\u8def\u4e86\uff09<br>2&#xfe0f;&#x20e3; \u518d\u6392\u9664\u201c\u770b\u8d23\u4efb\u201d\u7684\u9009\u9879<br>3&#xfe0f;&#x20e3; \u57fa\u672c\u5c31\u5728\u201c\u81ea\u5df1 \/ \u5bb6\u4eba \/ \u8f66\u8f86\u201d\u91cc\u9009<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5b8c\u5168\u56f4\u7ed5 RIBO \u9ad8\u9891\u8003\u70b9\uff08Auto + Home + Liability + Ethics\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; &#x1f4c4; RIBO \u4e00\u9875\u7eb8\u7ec8\u6781\u8bb0\u5fc6\u7248<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f697; 1. Auto Insurance\uff08\u6c7d\u8f66\u4fdd\u9669\u6838\u5fc3\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Accident Benefits\uff08\u5fc5\u8003\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>No-Fault\uff08\u4e0d\u7ba1\u8c01\u9519\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8d54\u4ed8\u987a\u5e8f\uff08100%\u4f1a\u8003\uff09\uff1a<\/strong><br>&#x27a1;&#xfe0f; \u81ea\u5df1 \u2192 \u5bb6\u4eba \u2192 \u8f66\u8f86 \u2192 \u653f\u5e9c<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Direct Compensation\uff08DCPD\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5bf9\u65b9\u8d23\u4efb + \u672c\u5730\u4e8b\u6545<br>&#x27a1;&#xfe0f; <strong>\u4f60\u627e\u81ea\u5df1\u4fdd\u9669\u4fee\u8f66<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Liability\uff08\u8d23\u4efb\u9669\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u8d54\u522b\u4eba\uff0c\u4e0d\u8d54\u81ea\u5df1<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Deductible &amp; Premium<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deductible \u2191 \u2192 Premium \u2193<\/li>\n\n\n\n<li>Deductible \u2193 \u2192 Premium \u2191<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; ACV vs Replacement<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ACV = \u6298\u65e7\u540e\u4ef7\u503c &#x2757;<\/li>\n\n\n\n<li>Replacement = \u65b0\u6362\u65e7<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3e0; 2. Home Insurance\uff08\u623f\u5c4b\u4fdd\u9669\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; \u4e0d\u4fdd\uff08\u5fc5\u8003\u9677\u9631\uff09<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6d2a\u6c34\uff08Flood\uff09&#x274c;<\/li>\n\n\n\n<li>\u5730\u9707\uff08\u901a\u5e38\u4e0d\u4fdd\uff09&#x274c;<\/li>\n\n\n\n<li>\u6b63\u5e38\u78e8\u635f &#x274c;<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; \u4f1a\u4fdd<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire &#x1f525;<\/li>\n\n\n\n<li>Theft &#x1f4b0;<\/li>\n\n\n\n<li>Vandalism<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Additional Living Expense<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u623f\u5b50\u4e0d\u80fd\u4f4f \u2192 \u8d54\u4f4f\u5bbf\u8d39\u7528<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2696;&#xfe0f; 3. Liability\uff08\u8d23\u4efb\u6838\u5fc3\u903b\u8f91\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; 3\u8981\u7d20\uff08\u5e38\u8003\uff09\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Duty of care<\/li>\n\n\n\n<li>Breach<\/li>\n\n\n\n<li>Damage<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; Negligence = \u758f\u5ffd\u5bfc\u81f4\u4ed6\u4eba\u635f\u5931<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4dc; 4. \u6cd5\u5f8b &amp; \u5408\u540c\uff08\u8d85\u9ad8\u9891\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Utmost Good Faith\uff08\u6700\u5927\u8bda\u4fe1\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5fc5\u987b\u5982\u5b9e\u544a\u77e5\u4fe1\u606f<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Material Change<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u91cd\u5927\u53d8\u5316\u5fc5\u987b\u901a\u77e5\u4fdd\u9669\u516c\u53f8<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Misrepresentation\uff08\u8bef\u5bfc\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u53ef\u80fd\u5bfc\u81f4\u62d2\u8d54 &#x2757;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; Indemnity\uff08\u8865\u507f\u539f\u5219\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4e0d\u53ef\u201c\u8d5a\u94b1\u201d\uff0c\u53ea\u80fd\u6062\u590d\u635f\u5931<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9d1;&#x200d;&#x1f4bc; 5. Broker \u8d23\u4efb\uff08RIBO\u8d85\u7231\u8003\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5fc5\u987b\u505a\u5230\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explain coverage\uff08\u89e3\u91ca\u6e05\u695a\uff09<\/li>\n\n\n\n<li>Act in client\u2019s best interest<\/li>\n\n\n\n<li>\u4e0d\u53ef\u9690\u7792\u3001\u4e0d\u8bef\u5bfc<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7edd\u5bf9\u9519\u8bef\uff08\u770b\u5230\u5c31\u6392\u9664\uff09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e2e\u5ba2\u6237\u9690\u7792 &#x274c;<\/li>\n\n\n\n<li>\u4e0d\u89e3\u91ca\u76f4\u63a5\u5356 &#x274c;<\/li>\n\n\n\n<li>\u201c\u5dee\u4e0d\u591a\u5c31\u884c\u201d &#x274c;<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; 6. \u7ec8\u6781\u9009\u62e9\u9898\u5fc3\u6cd5\uff08\u6551\u547d\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4e24\u4e2a\u7b54\u6848\u90fd\u50cf\u5bf9\u7684\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009 &#x1f449;<br>&#x2714; \u66f4\u4e13\u4e1a<br>&#x2714; \u66f4\u5408\u89c4<br>&#x2714; \u66f4\u4fdd\u62a4\u5ba2\u6237<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f6a8; 7. 5\u4e2a\u5fc5\u8e29\u5751\uff08\u6700\u540e\u770b\u4e00\u773c\uff09<\/h1>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Accident Benefits \u2260 \u770b\u8d23\u4efb &#x2757;<\/li>\n\n\n\n<li>Liability \u2260 \u8d54\u81ea\u5df1 &#x2757;<\/li>\n\n\n\n<li>Flood = \u4e0d\u4fdd &#x2757;<\/li>\n\n\n\n<li>ACV = \u6709\u6298\u65e7 &#x2757;<\/li>\n\n\n\n<li>Government = \u6700\u540e\u624d\u7528 &#x2757;<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; \u6700\u540e\u4e00\u884c\uff08\u6700\u91cd\u8981\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u5148\u81ea\u5df1 \u2192 \u5bb6\u4eba \u2192 \u8f66\u8f86 \u2192 \u653f\u5e9c\u201d + \u201cNo-Fault\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3c1; \u7ed9\u4f60\u4e00\u4e2a\u771f\u5b9e\u7ed3\u8bba<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u80fd\u628a\u8fd9\u4e00\u9875\u8bb0\u4f4f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u57fa\u672c = \u7a33\u8fc7RIBO\uff08\u4e0d\u662f\u521a\u597d\u53ca\u683c\uff0c\u662f\u6bd4\u8f83\u7a33\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed9\u4f60\u4e00\u7248**\u201c\u8003\u573a\u6700\u540e30\u79d2\u626b\u4e00\u773c\u5c31\u80fd\u6551\u547d\u201d\u7684\u53e3\u8bc0\u7248\uff0810\u884c\uff09**\u2014\u2014\u4e13\u95e8\u4e3a RIBO Exam \u538b\u7f29\u7684&#x1f447;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9e0; <strong>RIBO \u7ec8\u6781\u53e3\u8bc0\uff0810\u884c\u7248\uff09<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; <strong>AB\u5148\u627e\u81ea\u5df1\uff0c\u6709\u5c31\u81ea\u5df1\u8d54<\/strong><br>&#x1f449; \u5148\u770b\u4f60\u81ea\u5df1\u7684\u8f66\u9669\uff08\u4e0d\u7ba1\u4f60\u5728\u54ea\u8f86\u8f66\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2&#xfe0f;&#x20e3; <strong>\u81ea\u5df1\u6ca1\u6709 \u2192 \u627e\u914d\u5076\/\u5bb6\u5ead<\/strong><br>&#x1f449; \u540c\u4e00\u5bb6\u5ead\u6210\u5458\u4f18\u5148<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3&#xfe0f;&#x20e3; <strong>\u518d\u6ca1\u6709 \u2192 \u627e\u4f60\u5750\u7684\u8f66<\/strong><br>&#x1f449; Occupant \u2192 \u8f66\u7684\u4fdd\u9669<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4&#xfe0f;&#x20e3; <strong>\u884c\u4eba \u2192 \u649e\u4f60\u7684\u8f66\u8d54<\/strong><br>&#x1f449; Pedestrian rule<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5&#xfe0f;&#x20e3; <strong>DCPD\u53ea\u8d54\u65e0\u8d23\u90e8\u5206<\/strong><br>&#x1f449; \u4f60\u65e0\u8d23\u624d\u7528\uff08\u5b89\u7701\u91cd\u70b9\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6&#xfe0f;&#x20e3; <strong>\u5168\u9669\uff08Collision\uff09\u624d\u8d54\u81ea\u5df1\u8f66\u635f<\/strong><br>&#x1f449; \u6709\u8d23\u4e5f\u80fd\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7&#xfe0f;&#x20e3; <strong>\u7b2c\u4e09\u8005\u8d23\u4efb\uff08Liability\uff09\u8d54\u522b\u4eba<\/strong><br>&#x1f449; \u4f60\u649e\u4eba\/\u649e\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">8&#xfe0f;&#x20e3; <strong>Deductible = \u81ea\u4ed8\u90e8\u5206<\/strong><br>&#x1f449; \u6bcf\u6b21\u7406\u8d54\u90fd\u53ef\u80fd\u7528\u5230<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">9&#xfe0f;&#x20e3; <strong>Exclude Driver = \u5b8c\u5168\u4e0d\u8d54<\/strong><br>&#x1f449; \u88ab\u6392\u9664\u53f8\u673a\u5f00\u8f66=\u6ca1\u4fdd\u9669<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f51f; <strong>Material Change\u5fc5\u987b\u62a5\u544a<\/strong><br>&#x1f449; \u4e0d\u62a5=\u62d2\u8d54\/\u4fdd\u5355\u65e0\u6548<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x26a1; \u8d85\u77ed\u8bb0\u5fc6\u903b\u8f91\uff08\u518d\u538b\u4e00\u5c42\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u4eba\u4f24\u5148\u627e\u4eba\uff08\u81ea\u5df1\u2192\u5bb6\u4eba\u2192\u8f66\uff09<br>&#x1f449; \u8f66\u635f\u770b\u8d23\u4efb\uff08\u65e0\u8d23DCPD \/ \u6709\u8d23Collision\uff09<br>&#x1f449; \u649e\u4eba\u4e00\u5b9a\u7528Liability<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21065\" class=\"pvc_stats all  \" data-element-id=\"21065\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5728Accident Benefits Coverage \u4e2d \u5982\u4f55\u7406\u89e3\u8fd9\u6bb5\u8bdd\uff1aFor the purposes of Section 4, insured persons are defined in the Statutory Accident Benefits Schedule. 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