{"id":21074,"date":"2026-05-22T02:02:44","date_gmt":"2026-05-22T02:02:44","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21074"},"modified":"2026-05-22T02:02:44","modified_gmt":"2026-05-22T02:02:44","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86-%ef%bc%9aopcf-5-%e6%9c%89%e4%bb%80%e4%b9%88%e8%a6%81%e6%b1%82","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21074","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6 \uff1aOPCF 5 \u6709\u4ec0\u4e48\u8981\u6c42"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>OPCF 5<\/strong> \u662f\u5b89\u7701\uff08Ontario\uff09\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u4e00\u4e2a**\u201c\u6307\u5b9a\u9a7e\u9a76\u4eba\u6392\u9664\u6761\u6b3e\u201d**\uff0c\u4e5f\u5c31\u662f\uff1a&#x1f449;\u628a\u67d0\u4e2a\u7279\u5b9a\u7684\u4eba\u4ece\u4f60\u7684\u4fdd\u9669\u4fdd\u969c\u4e2d\u201c\u6392\u9664\u6389\u201d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\u3001OPCF 5 \u7684\u6838\u5fc3\u8981\u6c42\uff08\u8003\u8bd5\u91cd\u70b9 + \u5b9e\u52a1\u91cd\u70b9\uff09<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u5fc5\u987b\u662f\u201c\u660e\u786e\u6307\u5b9a\u7684\u4eba\u201d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u80fd\u5199\u201c\u4efb\u4f5525\u5c81\u4ee5\u4e0b\u53f8\u673a\u201d<\/li>\n\n\n\n<li>\u5fc5\u987b\u662f<strong>\u5177\u4f53\u4e2a\u4eba\u59d3\u540d<\/strong>\uff08\u4f8b\u5982\uff1a\u914d\u5076\u3001\u5b69\u5b50\u3001\u5ba4\u53cb\u7b49\uff09<\/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\">2&#xfe0f;&#x20e3; \u88ab\u6392\u9664\u7684\u4eba = \u5b8c\u5168\u6ca1\u6709\u4fdd\u969c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8981\u8be5\u4eba\u5f00\u4f60\u7684\u8f66\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x274c; \u4fdd\u9669\u516c\u53f8<strong>\u4e00\u5206\u94b1\u90fd\u4e0d\u4f1a\u8d54<\/strong><\/li>\n\n\n\n<li>&#x274c; \u4e0d\u7ba1\u662f\u4f60\u8f66\u635f\u3001\u5bf9\u65b9\u8f66\u3001\u8fd8\u662f\u4eba\u4f24\uff0c\u90fd\u4e0d\u8d54<\/li>\n\n\n\n<li>&#x274c; \u8f66\u4e3b\u53ef\u80fd\u8981<strong>\u81ea\u638f\u8170\u5305\u627f\u62c5\u5168\u90e8\u8d23\u4efb<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8fd9\u662f\u201c\u6700\u4e25\u5389\u201d\u7684\u6761\u6b3e\u4e4b\u4e00<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; \u5fc5\u987b\u7b7e\u5b57\u540c\u610f\uff08\u5173\u952e\u8003\u70b9\uff09<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f66\u4e3b\uff08\u88ab\u4fdd\u9669\u4eba\uff09\u8981\u7b7e<\/li>\n\n\n\n<li>\u88ab\u6392\u9664\u7684\u53f8\u673a <strong>\u4e5f\u5fc5\u987b\u7b7e<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8bf4\u660e\uff1a\u5bf9\u65b9\u660e\u786e\u77e5\u9053\u201c\u81ea\u5df1\u4e0d\u80fd\u5f00\u8fd9\u8f86\u8f66\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; \u9002\u7528\u524d\u63d0\uff08\u4fdd\u9669\u516c\u53f8\u624d\u4f1a\u7ed9\u4f60\u7528\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u7528\u4e8e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5bb6\u91cc\u6709\u4eba <strong>\u9a7e\u9a76\u8bb0\u5f55\u5dee\uff08\u4e8b\u6545\u591a \/ \u9152\u9a7e \/ \u8fdd\u7ae0\u591a\uff09<\/strong><\/li>\n\n\n\n<li>\u6216\u8005 <strong>\u65b0\u624b\u98ce\u9669\u9ad8<\/strong><\/li>\n\n\n\n<li>\u4fdd\u9669\u516c\u53f8\u5426\u5219\u53ef\u80fd\uff1a\n<ul class=\"wp-block-list\">\n<li>\u8981\u6c42\u52a0\u9ad8\u4fdd\u8d39 &#x1f4b8;<\/li>\n\n\n\n<li>\u6216\u76f4\u63a5\u62d2\u4fdd<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7528 OPCF 5 \u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u964d\u4f4e\u4fdd\u8d39<\/li>\n\n\n\n<li>\u6362\u53d6\u4fdd\u9669\u516c\u53f8\u7ee7\u7eed\u627f\u4fdd<\/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\">5&#xfe0f;&#x20e3; \u4e00\u65e6\u8fdd\u53cd\uff0c\u540e\u679c\u975e\u5e38\u4e25\u91cd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u88ab\u6392\u9664\u7684\u4eba\u8fd8\u662f\u5f00\u8f66\u5e76\u51fa\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x1f449; \u4fdd\u9669\u5408\u540c\u4ecd\u6709\u6548\uff08\u5bf9\u4f60\uff09<\/li>\n\n\n\n<li>&#x2757;\u4f46\u8be5\u4e8b\u6545<strong>\u5b8c\u5168\u4e0d\u8d54<\/strong><\/li>\n\n\n\n<li>&#x1f449; \u4f60\u4f5c\u4e3a\u8f66\u4e3b\u4ecd\u53ef\u80fd\u88ab\u8d77\u8bc9\uff08\u7b2c\u4e09\u65b9\u8d23\u4efb\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e8c\u3001\u8003\u8bd5\u5e38\u89c1\u9677\u9631\uff08\u975e\u5e38\u7231\u8003&#x26a0;&#xfe0f;\uff09<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">&#x274c; \u9677\u96311\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u88ab\u6392\u9664\u7684\u4eba\u5076\u5c14\u5f00\u4e00\u4e0b\uff0c\u5e94\u8be5\u53ef\u4ee5\u5427\uff1f\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u9519\uff01<br><strong>\u4e00\u6b21\u90fd\u4e0d\u53ef\u4ee5\u5f00<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x274c; \u9677\u96312\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u53ea\u662f\u4e0d\u8d54\u4ed6\u672c\u4eba\u4f24\u5bb3\uff1f\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u9519\uff01<br>&#x1f449; \u662f <strong>\u6574\u4e2a\u4e8b\u6545\u90fd\u4e0d\u8d54<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x274c; \u9677\u96313\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u53ea\u8981\u8f66\u4e3b\u540c\u610f\u5c31\u884c\uff1f\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u9519\uff01<br>&#x1f449; <strong>\u53cc\u65b9\u5fc5\u987b\u7b7e\u5b57<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e09\u3001\u4e00\u53e5\u8bdd\u8bb0\u5fc6\uff08\u8003\u524d\u901f\u8bb0\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cOPCF 5 = \u6307\u540d\u9053\u59d3 + \u53cc\u65b9\u7b7e\u5b57 + \u5f00\u8f66\u5168\u4e0d\u8d54\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u56db\u3001\u7ed9\u4f60\u4e00\u4e2a\u771f\u5b9e\u573a\u666f\uff08\u79d2\u61c2\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7238\u7238\u4e70\u8f66\u4fdd\u9669\uff0c\u513f\u5b50\u4e8b\u6545\u5f88\u591a<br>&#x1f449; \u4fdd\u9669\u516c\u53f8\u8bf4\uff1a\u8981\u4e48\u4fdd\u8d39 $6000\uff0c\u8981\u4e48\u7b7e OPCF 5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009\u62e9\u7b7e\u4e86 OPCF 5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u513f\u5b50\u5f00\u8f66 \u2192 &#x274c; \u51fa\u4e8b\u6545 = 0\u8d54\u4ed8<\/li>\n\n\n\n<li>\u5176\u4ed6\u4eba\u5f00\u8f66 \u2192 &#x2705; \u6b63\u5e38\u4fdd\u969c<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f697; OPCF \u5168\u90e8\u9ad8\u9891\u6761\u6b3e\u5bf9\u6bd4\uff08\u7ec8\u6781\u4e00\u9875\u7248\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f525; \u6838\u5fc35\u5927\u6761\u6b3e\uff08\u5fc5\u8003\uff09<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; OPCF 1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u63d0\u9ad8\u7b2c\u4e09\u8005\u8d23\u4efb\u9669\uff08Liability\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u628a $200,000 \u63d0\u9ad8\u5230\uff1a\n<ul class=\"wp-block-list\">\n<li>$1M \/ $2M\uff08\u5e38\u89c1\uff09<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>&#x1f449; \u53ea\u5f71\u54cd\uff1a<strong>\u5bf9\u522b\u4eba\u8d54\u7684\u94b1<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5173\u952e\u8bcd\uff1a<strong>\u201c\u52a0\u8d23\u4efb\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; OPCF 2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u9a7e\u9a76\u57f9\u8bad\u6298\u6263<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5b8c\u6210\u8ba4\u53ef\u9a7e\u9a76\u8bfe\u7a0b \u2192 \u4fdd\u8d39\u964d\u4f4e<\/li>\n\n\n\n<li>\u5e38\u89c1\u4e8e\u65b0\u53f8\u673a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5173\u952e\u8bcd\uff1a<strong>\u201c\u4e0a\u8bfe\u7701\u94b1\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; OPCF 5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u6392\u9664\u67d0\u4e2a\u53f8\u673a\uff08\u8d85\u7ea7\u91cd\u70b9&#x26a0;&#xfe0f;\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6307\u540d\u9053\u59d3<\/li>\n\n\n\n<li>\u53cc\u65b9\u7b7e\u5b57<\/li>\n\n\n\n<li>&#x274c; \u8be5\u4eba\u5f00\u8f66 \u2192 <strong>\u5168\u4e0d\u8d54<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5173\u952e\u8bcd\uff1a<strong>\u201c\u8fd9\u4e2a\u4eba\u4e0d\u80fd\u78b0\u8f66\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; OPCF 20<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u79df\u8f66\u8d39\u7528\uff08Loss of Use\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f66\u574f\u4e86\/\u88ab\u5077\uff1a\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u9669\u516c\u53f8\u4ed8\u4f60\u79df\u8f66\u94b1 &#x1f697;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x26a0;&#xfe0f; \u524d\u63d0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5fc5\u987b\u662f\u201c\u6709\u8d54\u7684\u4e8b\u6545\u201d\uff08\u5982Collision\u6216Comprehensive\u89e6\u53d1\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5173\u952e\u8bcd\uff1a<strong>\u201c\u4fee\u8f66\u671f\u95f4\u6709\u8f66\u5f00\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5&#xfe0f;&#x20e3; OPCF 27<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u79df\u8f66\/\u501f\u8f66\u4fdd\u9669\uff08\u975e\u81ea\u6709\u8f66\u8f86\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f00\uff1a\n<ul class=\"wp-block-list\">\n<li>\u79df\u7684\u8f66 &#x1f697;<\/li>\n\n\n\n<li>\u501f\u7684\u8f66 &#x1f46c;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5982\u679c\u649e\u4e86\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7531\u4f60\u81ea\u5df1\u7684\u4fdd\u9669\u8d54<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5173\u952e\u8bcd\uff1a<strong>\u201c\u5f00\u522b\u4eba\u7684\u8f66\u4e5f\u4fdd\u4f60\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\">&#x26a1; \u4e00\u5f20\u903b\u8f91\u56fe\u641e\u5b9a\uff08\u8bb0\u5fc6\u7ed3\u6784\uff09<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>\u4eba \u2192 OPCF 5\uff08\u6392\u9664\u67d0\u4eba\uff09<br><br>\u94b1 \u2192 OPCF 1\uff08\u52a0\u8d23\u4efb\u989d\u5ea6\uff09<br><br>\u7701 \u2192 OPCF 2\uff08\u4e0a\u8bfe\u6253\u6298\uff09<br><br>\u8f66\u574f\u6ca1\u8f66 \u2192 OPCF 20\uff08\u79df\u8f66\u8d39\uff09<br><br>\u5f00\u522b\u4eba\u7684\u8f66 \u2192 OPCF 27\uff08\u975e\u81ea\u6709\u8f66\uff09<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u9ad8\u9891\u9677\u9631\u5bf9\u6bd4\uff08\u8003\u8bd5\u6700\u7231\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2757; OPCF 5 vs OPCF 27<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u60c5\u51b5<\/th><th>\u662f\u5426\u8d54<\/th><\/tr><\/thead><tbody><tr><td>\u88ab\u6392\u9664\u7684\u4eba\u5f00\u4f60\u7684\u8f66<\/td><td>&#x274c; \u4e0d\u8d54\uff08OPCF 5\uff09<\/td><\/tr><tr><td>\u4f60\u5f00\u79df\u8f66\u649e\u4e86<\/td><td>&#x2705; \u8d54\uff08OPCF 27\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u4e00\u4e2a\u662f\u201c\u7981\u6b62\u4eba\u201d\uff0c\u4e00\u4e2a\u662f\u201c\u6269\u5c55\u8f66\u201d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2757; OPCF 20 vs Collision<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u662f\u5426\u81ea\u52a8\u6709<\/th><\/tr><\/thead><tbody><tr><td>\u4fee\u8f66\u8d39\u7528<\/td><td>&#x2705; Collision<\/td><\/tr><tr><td>\u79df\u8f66\u8d39\u7528<\/td><td>&#x274c; \u53ea\u6709 OPCF 20<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2757; Liability vs OPCF 1<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>Liability<\/td><td>\u57fa\u7840\u8d23\u4efb<\/td><\/tr><tr><td>OPCF 1<\/td><td>&#x1f449; \u628a\u8d23\u4efb\u989d\u5ea6\u63d0\u9ad8<\/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\">&#x1f3af; \u8003\u524d10\u79d2\u53e3\u8bc0\uff08\u76f4\u63a5\u80cc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c1\u52a0\u94b1\uff0c2\u6253\u6298\uff0c5\u8e22\u4eba\uff0c20\u79df\u8f66\uff0c27\u5f00\u522b\u4eba\u8f66\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\">&#x1f9e8; \u7ed9\u4f603\u9053\u201c\u5fc5\u5751\u9898\u201d\uff08\u8d85\u9ad8\u547d\u4e2d\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u98981<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u513f\u5b50\u88ab\u5217\u5165 OPCF 5\uff0c\u4f46\u5077\u5077\u5f00\u8f66\u649e\u4eba<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7b54\u6848\uff1a<br>&#x274c; <strong>\u4fdd\u9669\u516c\u53f8\u5b8c\u5168\u4e0d\u8d54<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u98982<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u79df\u8f66\u65c5\u6e38\uff0c\u4e70\u4e86 OPCF 27\uff0c\u649e\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7b54\u6848\uff1a<br>&#x2705; <strong>\u4f60\u81ea\u5df1\u7684\u4fdd\u9669\u8d54<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u98983<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u8f66\u88ab\u649e\u9001\u4fee\uff0c\u6ca1\u6709 OPCF 20<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7b54\u6848\uff1a<br>&#x274c; <strong>\u79df\u8f66\u8d39\u7528\u4e0d\u8d54<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\uff0c\u8fd9\u4e00\u7ec4\u662f&#x1f449;<strong>\u63a5\u8fd1\u771f\u5b9e\u8003\u8bd5 Case Study \u7684\u201c\u957f\u9898 + \u591a\u5751 + \u8981\u7b97\u94b1\u201d\u7248\u672c<\/strong><br>\uff08\u505a\u5b8c\u8fd95\u9898\uff0c\u57fa\u672c\u5c31\u662f\u4e0a\u8003\u573a\u6c34\u5e73\u4e86\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; Case 1\uff08AB + Liability + \u8d85\u989d\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f20\u5148\u751f\u6295\u4fdd\u60c5\u51b5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability\uff1a$200,000<\/li>\n\n\n\n<li>\u6709 AB\uff08\u6cd5\u5b9a\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4ed6\u5168\u8d23\u649e\u8f66<\/li>\n\n\n\n<li>\u5bf9\u65b9\u4eba\u8eab\u4f24\u5bb3\uff1a$350,000<\/li>\n\n\n\n<li>\u5f20\u5148\u751f\u81ea\u5df1\u4e5f\u53d7\u4f24\uff0c\u65e0\u6cd5\u5de5\u4f5c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2753;\u95ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1\uff09\u5bf9\u65b9\u8c01\u8d54\uff1f\u8d54\u591a\u5c11\uff1f<br>2\uff09\u5f20\u5148\u751f\u81ea\u5df1\u4ece\u54ea\u91cc\u62ff\u94b1\uff1f<\/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>\u7b54\u6848\uff1a<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u5bf9\u65b9\uff1a<br>&#x1f449; Liability\u8d54 <strong>$200,000<\/strong><br>&#x1f449; \u5269\u4f59 $150,000 \u2192 &#x2757;\u5f20\u5148\u751f\u81ea\u5df1\u627f\u62c5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2&#xfe0f;&#x20e3; \u5f20\u5148\u751f\u81ea\u5df1\uff1a<br>&#x1f449; \u4ece <strong>AB\uff08Accident Benefits\uff09<\/strong> \u62ff\u94b1\uff08IRB\u7b49\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability = \u6709\u4e0a\u9650<\/li>\n\n\n\n<li>AB = \u4e0d\u7ba1\u8d23\u4efb\uff0c\u5148\u8d54\u81ea\u5df1<\/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\">&#x1f9e8; Case 2\uff08OPCF 5 + \u5168\u706d\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u674e\u5973\u58eb\u6295\u4fdd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u542b OPCF 5\uff08\u6392\u9664\u4e08\u592b\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e08\u592b\u5f00\u8f66<\/li>\n\n\n\n<li>\u649e\u8f66\u9020\u6210\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5bf9\u65b9\u8f66\u635f\uff1a$30,000<\/li>\n\n\n\n<li>\u5bf9\u65b9\u4eba\u4f24\uff1a$70,000<\/li>\n\n\n\n<li>\u81ea\u5df1\u8f66\u635f\uff1a$20,000<\/li>\n<\/ul>\n<\/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\">&#x2753;\u95ee\uff1a\u4fdd\u9669\u8d54\u591a\u5c11\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1a$0\uff08\u5168\u90e8\u4e0d\u8d54\uff09<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff1a<br>&#x1f449; <strong>OPCF 5 = \u8fd9\u4e2a\u4eba\u5f00\u8f66 \u2192 \u5168\u90e8\u6e05\u96f6<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; Case 3\uff08OPCF 27 + Deductible\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u738b\u5148\u751f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6709 OPCF 27<\/li>\n\n\n\n<li>Deductible\uff1a$1,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79df\u8f66\u649e\u5899<\/li>\n\n\n\n<li>\u635f\u5931\uff1a$8,000<\/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\">&#x2753;\u95ee\uff1a\u4fdd\u9669\u8d54\u591a\u5c11\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1a$7,000<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OPCF 27 \u2192 \u7528\u4f60\u4fdd\u9669\u8d54<\/li>\n\n\n\n<li>\u8d54\u4ed8 = $8,000 &#8211; $1,000 deductible<\/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\">&#x1f9e8; Case 4\uff08OPCF 20 + \u65e0\u8986\u76d6\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u9648\u5148\u751f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6709 Collision<\/li>\n\n\n\n<li>&#x274c; \u6ca1\u6709 OPCF 20<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u5df1\u8d23\u4efb\u649e\u8f66<\/li>\n\n\n\n<li>\u4fee\u8f66 10 \u5929<\/li>\n\n\n\n<li>\u79df\u8f66\u8d39\u7528\uff1a$800<\/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\">&#x2753;\u95ee\uff1a\u54ea\u4e9b\u8d54\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f66\u635f \u2192 &#x2705; \u8d54\uff08Collision\uff09<\/li>\n\n\n\n<li>\u79df\u8f66 \u2192 &#x274c; \u4e0d\u8d54<\/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\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff1a<br>&#x1f449; <strong>\u6ca1 OPCF 20 = \u6ca1\u8f66\u7528<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; Case 5\uff08\u7ec8\u6781\u7efc\u5408&#x1f525;\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d75\u5148\u751f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability\uff1a$1M<\/li>\n\n\n\n<li>Collision\uff1a\u6709<\/li>\n\n\n\n<li>OPCF 27\uff1a\u6709<\/li>\n\n\n\n<li>OPCF 20\uff1a\u6709<\/li>\n\n\n\n<li>\u65e0 OPCF 5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\uff08\u79df\u8f66\u65f6\u53d1\u751f\uff09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5bf9\u65b9\u4eba\u4f24\uff1a$900,000<\/li>\n\n\n\n<li>\u79df\u8f66\u635f\u574f\uff1a$25,000<\/li>\n\n\n\n<li>\u81ea\u5df1\u53d7\u4f24\u65e0\u6cd5\u5de5\u4f5c<\/li>\n\n\n\n<li>\u79df\u8f66\u4ee3\u6b65\u8d39\u7528\uff1a$1,200<\/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\">&#x2753;\u95ee\uff1a\u9010\u9879\u8c01\u8d54\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\u62c6\u89e3\uff1a<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u5bf9\u65b9\u4eba\u4f24\uff1a<br>&#x1f449; Liability \u2192 <strong>\u8d54 $900,000\uff08\u591f\u7528\uff09<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">2&#xfe0f;&#x20e3; \u79df\u8f66\u635f\u574f\uff1a<br>&#x1f449; OPCF 27 \u2192 <strong>\u8d54 $25,000<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">3&#xfe0f;&#x20e3; \u81ea\u5df1\u53d7\u4f24\uff1a<br>&#x1f449; AB \u2192 <strong>\u8d54\uff08IRB\u7b49\uff09<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">4&#xfe0f;&#x20e3; \u79df\u8f66\u4ee3\u6b65\uff1a<br>&#x1f449; OPCF 20 \u2192 <strong>\u8d54 $1,200<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff08\u8fd9\u4e00\u9898\u5168\u4f1a\u5c31\u7a33\u4e86\uff09\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u649e\u522b\u4eba \u2192 Liability<\/li>\n\n\n\n<li>\u81ea\u5df1\u4f24 \u2192 AB<\/li>\n\n\n\n<li>\u81ea\u5df1\u8f66 \u2192 Collision<\/li>\n\n\n\n<li>\u522b\u4eba\u8f66 \u2192 OPCF 27<\/li>\n\n\n\n<li>\u6ca1\u8f66\u7528 \u2192 OPCF 20<\/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; \u7ec8\u6781\u4e00\u53e5\u8bdd\uff08\u8003\u573a\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u4eba\u4f24\u5148AB\uff0c\u5bf9\u5916\u7528Liability\uff0c\u81ea\u5df1\u8f66Collision\uff0c\u522b\u4eba\u8f6627\uff0c\u6ca1\u8f6620\uff0c\u7981\u4eba\u75285\u201d<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f6a8; RIBO\u8003\u524d30\u79d2 \u00b7 10\u6761\u9677\u9631\u53e3\u8bc0<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">1&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c\u4eba\u4f24\u5148AB\uff0c\u4e0d\u770b\u8d23\u4efb\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u89e3\u91ca\uff1a<br>\u65e0\u8bba\u8c01\u9519\uff0c\u5148\u8d70 Accident Benefits\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cAB\u6c38\u8fdc\u6ca1deductible\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u522b\u88ab$300\/$500\u9a97\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cLiability\u6709\u4e0a\u9650\uff0c\u8d85\u51fa\u81ea\u5df1\u8d54\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$200k \u4e0d\u591f\u5c31\u81ea\u5df1\u638f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cOPCF 5 = \u8fd9\u4e2a\u4eba\u5f00\u8f66\u5168\u706d\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OPCF 5<br>&#x1f449; \u4e0d\u8d54\u5bf9\u65b9\u3001\u4e0d\u8d54\u8f66\u3001\u4e0d\u8d54\u4eba\u3002<br>&#x1f449; \u4e00\u5206\u94b1\u6ca1\u6709\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c27\u4fdd\u7684\u662f\u8f66\uff0c\u4e0d\u662f\u4eba\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OPCF 27<br>&#x1f449; \u5f00\u522b\u4eba\u8f66 \u2192 \u7528\u4f60\u4fdd\u9669\u8d54\u8f66\u635f\u3002<br>&#x1f449; \u4e0d\u662f\u7ed9\u522b\u4eba\u4e70\u4fdd\u9669\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c20\u4e0d\u662f\u4fee\u8f66\uff0c\u662f\u79df\u8f66\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OPCF 20<br>&#x1f449; Collision\u4fee\u8f66<br>&#x1f449; 20\u7ed9\u4f60\u4ee3\u6b65\u8f66<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">7&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cDeductible\u53ea\u6263\u8f66\u635f\uff0c\u4e0d\u6263\u4eba\u4f24\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9002\u7528\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collision<\/li>\n\n\n\n<li>Comprehensive<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u9002\u7528\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AB<\/li>\n\n\n\n<li>Liability<\/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\">8&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c\u649e\u522b\u4eba = Liability\uff0c\u649e\u81ea\u5df1 = Collision\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u5e38\u628a\u4e24\u8005\u6df7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">9&#xfe0f;&#x20e3;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201cIRB\u7ed9\u6709\u5de5\u4f5c\u7684\u4eba\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u5de5\u4f5c \u2192 \u4e0d\u662fIRB\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f51f;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u201c\u6ca1\u6709\u5199\u8fdb\u4fdd\u5355\u7684 = \u6ca1\u4fdd\u969c\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u4e70\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collision \u2192 \u4e0d\u8d54\u81ea\u5df1\u8f66<\/li>\n\n\n\n<li>OPCF 20 \u2192 \u4e0d\u8d54\u79df\u8f66<\/li>\n\n\n\n<li>OPCF 27 \u2192 \u4e0d\u8d54\u79df\u7684\u8f66<\/li>\n\n\n\n<li>Liability\u4e0d\u8db3 \u2192 \u81ea\u5df1\u8865\u5dee\u989d<\/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; \u6700\u540e\u7ec8\u6781\u603b\u53e3\u8bc0\uff08\u95ed\u773c\u80cc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u4eba\u4f24AB\uff0c\u522b\u4ebaLiability\uff0c\u81ea\u5df1\u8f66Collision\uff0c\u522b\u4eba\u8f6627\uff0c\u6ca1\u8f6620\uff0c\u7981\u4eba5\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\uff0c\u8fd9\u4e2a\u662fRIBO\u91cc&#x1f449;<strong>\u975e\u5e38\u5bb9\u6613\u6df7\u3001\u4f46\u5176\u5b9e\u5f88\u597d\u62ff\u5206\u7684\u70b9<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f697; DCPD \u662f\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5168\u79f0\uff1a<strong>Direct Compensation \u2013 Property Damage<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4e2d\u6587\u7406\u89e3\uff1a<br><strong>\u201c\u4f60\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u76f4\u63a5\u8d54\u4f60\u8f66\u635f\uff08\u5728\u4f60\u65e0\u8d23\u6216\u90e8\u5206\u65e0\u8d23\u65f6\uff09\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\">&#x1f9e0; \u4e00\u53e5\u8bdd\u6838\u5fc3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u4e0d\u662f\u627e\u5bf9\u65b9\u8d54\uff0c\u800c\u662f\u627e\u81ea\u5df1\u4fdd\u9669\u8d54\uff08\u4f46\u94b1\u5176\u5b9e\u662f\u5bf9\u65b9\u8d23\u4efb\uff09\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\">&#x1f50d; \u4ec0\u4e48\u65f6\u5019\u7528 DCPD\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\u540c\u65f6\u6ee1\u8db3&#x1f447;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2705; \u6761\u4ef6\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u4e8b\u6545\u53d1\u751f\u5728 Ontario<br>2&#xfe0f;&#x20e3; \u6709 <strong>\u53e6\u4e00\u8f86\u5df2\u8bc6\u522b\u8f66\u8f86<\/strong><br>3&#xfe0f;&#x20e3; \u5bf9\u65b9\u6709\u4fdd\u9669<br>4&#xfe0f;&#x20e3; \u5bf9\u65b9\u6709\u8d23\u4efb\uff080% \/ \u90e8\u5206\u8d23\u4efb\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f6ab; \u4ec0\u4e48\u65f6\u5019\u4e0d\u80fd\u7528\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; DCPD <strong>\u4e0d\u9002\u7528<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x274c; hit &amp; run\uff08\u627e\u4e0d\u5230\u5bf9\u65b9\uff09<\/li>\n\n\n\n<li>&#x274c; \u5bf9\u65b9\u6ca1\u4fdd\u9669<\/li>\n\n\n\n<li>&#x274c; \u4f60 100% \u5168\u8d23<\/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\">&#x1f4b0; \u8d54\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; DCPD \u53ea\u8d54\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x2714; \u4f60\u7684\u8f66\u635f<\/li>\n\n\n\n<li>&#x2714; \u8f66\u5185\u7269\u54c1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; &#x274c; \u4e0d\u8d54\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4eba\u4f24\uff08\u90a3\u662f AB\uff09<\/li>\n\n\n\n<li>\u79df\u8f66\u8d39\u7528\uff08\u90a3\u662f OPCF 20\uff09<\/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\">&#x1f4b8; \u6709\u6ca1\u6709 deductible\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5173\u952e\u70b9&#x203c;&#xfe0f;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u65e0\u8d23\uff080%\uff09\u2192 \u6ca1 deductible<\/strong><\/li>\n\n\n\n<li><strong>\u90e8\u5206\u8d23\u4efb \u2192 \u6309\u6bd4\u4f8b\u627f\u62c5 deductible<\/strong><\/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\">&#x1f9e8; \u4e3e\u4e2a\u8003\u8bd5\u6700\u7231\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30%\u8d23\u4efb<\/li>\n\n\n\n<li>\u8f66\u635f\uff1a$10,000<\/li>\n\n\n\n<li>deductible\uff1a$1,000<\/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; \u8d54\u4ed8\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u9669\u8d54\uff1a70% \u00d7 $10,000 = $7,000<\/li>\n\n\n\n<li>\u4f60\u627f\u62c5\uff1a30% + deductible<\/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\">&#x26a0;&#xfe0f; \u548c Collision \u7684\u533a\u522b\uff08\u5fc5\u8003&#x203c;&#xfe0f;\uff09<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>DCPD<\/th><th>Collision<\/th><\/tr><\/thead><tbody><tr><td>\u8c01\u8d54<\/td><td>\u81ea\u5df1\u4fdd\u9669<\/td><td>\u81ea\u5df1\u4fdd\u9669<\/td><\/tr><tr><td>\u662f\u5426\u770b\u8d23\u4efb<\/td><td>&#x2705;\u770b<\/td><td>&#x274c;\u4e0d\u770b<\/td><\/tr><tr><td>deductible<\/td><td>\u53ef\u80fd\u6709<\/td><td>\u4e00\u5b9a\u6709<\/td><\/tr><tr><td>\u662f\u5426\u5fc5\u987b\u4e70<\/td><td>&#x274c;\u81ea\u52a8\u5305\u542b<\/td><td>&#x2705;\u53ef\u9009<\/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\">&#x1f3af; \u4e00\u53e5\u8bdd\u533a\u5206<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u65e0\u8d23\u7528DCPD\uff0c\u6709\u8d23\u7528Collision\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\">&#x1f9e0; \u8003\u8bd5\u7ec8\u6781\u8bb0\u5fc6<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u8f66\u635f\u5148\u770b\u8d23\u4efb\uff1a\u65e0\u8d23\u8d70DCPD\uff0c\u6709\u8d23\u8d70Collision\uff1b\u4eba\u4f24\u6c38\u8fdcAB\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u95ee\u9898\u95ee\u5f97\u975e\u5e38\u5173\u952e\uff0c\u800c\u4e14\u5f88\u591a\u4eba\u7406\u89e3\u662f\u9519\u7684\uff0c\u6211\u76f4\u63a5\u7ed9\u4f60<strong>\u771f\u5b9e\u89c4\u5219 + \u8003\u8bd5\u7b54\u6848\u903b\u8f91<\/strong>&#x1f447;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4a5; \u7ed3\u8bba\u5148\u8bf4\uff08\u8003\u573a\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u6ca1\u6709\u4eba\u66ff\u4f60\u515c\u5e95<\/strong><br>&#x1f449; <strong>\u5dee\u989d = \u503a\u6743\u4eba\uff08\u53d7\u5bb3\u65b9\uff09\u81ea\u5df1\u627f\u62c5\u635f\u5931\uff08\u5982\u679c\u4f60\u771f\u7684\u6ca1\u94b1\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; \u6b63\u786e\u903b\u8f91\u62c6\u89e3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f60 Liability\uff1a$200,000<\/li>\n\n\n\n<li>\u5b9e\u9645\u8d54\u507f\uff1a$500,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5dee\u989d\uff1a$300,000<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2460 \u4fdd\u9669\u516c\u53f8\u53ea\u8d54\u5230\u4e0a\u9650<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4fdd\u9669\u516c\u53f8\u6700\u591a\u8d54\uff1a$200,000<br>&#x1f449; \u5408\u540c\u4e49\u52a1\u7ed3\u675f\uff08\u4e0d\u4f1a\u591a\u8d54\u4e00\u5206\u94b1\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2461 \u5269\u4e0b\u7684\u94b1 = \u4f60\u7684\u6cd5\u5f8b\u8d23\u4efb<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d7\u5bb3\u4eba\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8d77\u8bc9\u4f60<\/li>\n\n\n\n<li>\u7533\u8bf7\u6cd5\u9662\u5224\u51b3<\/li>\n\n\n\n<li>\u8ffd\u4f60\u7684\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5de5\u8d44 &#x1f4b0;<\/li>\n\n\n\n<li>\u94f6\u884c\u5b58\u6b3e<\/li>\n\n\n\n<li>\u623f\u4ea7 &#x1f3e0;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2462 \u5982\u679c\u4f60\u771f\u7684\u6ca1\u94b1 \u2192 \u7834\u4ea7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 Personal Bankruptcy \u60c5\u51b5\u4e0b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7ed3\u679c\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f60\u4e0d\u7528\u518d\u8fd8\uff08\u5927\u90e8\u5206\u503a\u52a1\u88ab\u6e05\u9664\uff09<\/li>\n\n\n\n<li>&#x2757;\u4f46\u53d7\u5bb3\u4eba<strong>\u62ff\u4e0d\u5230\u5269\u4e0b\u7684\u94b1<\/strong><\/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\">&#x26a0;&#xfe0f; \u5173\u952e\u70b9\uff08\u5f88\u591a\u4eba\u8bef\u89e3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u653f\u5e9c\u4e0d\u4f1a\u8865<br>&#x274c; \u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u8865<br>&#x274c; \u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u8865<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u6ca1\u6709\u201c\u6700\u540e\u4e70\u5355\u4eba\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\">&#x1f9e8; \u4f46\u6709\u4e24\u4e2a\u4f8b\u5916\uff08\u9ad8\u7ea7\u8003\u70b9\uff09<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f538; \u4f8b\u59161\uff1a\u6709\u989d\u5916\u4fdd\u9669\uff08\u6bd4\u5982umbrella\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u6709\u66f4\u9ad8\u989d\u5ea6\uff08\u6bd4\u5982 $1M \/ $2M\uff09\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5c31\u4e0d\u4f1a\u51fa\u73b0\u5dee\u989d\u95ee\u9898<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f538; \u4f8b\u59162\uff1a\u4e25\u91cd\u4eba\u4f24\u53ef\u80fd\u6d89\u53ca\u57fa\u91d1\uff08\u6781\u5c11\u8003\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bd4\u5982\u67d0\u4e9b\u7279\u6b8a\u60c5\u51b5\u4e0b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u53ef\u80fd\u6d89\u53ca Motor Vehicle Accident Claims Fund<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u6ce8\u610f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8fd9\u662f\u201c\u65e0\u4fdd\u9669 \/ hit &amp; run\u201d\u7b49\u60c5\u51b5<\/li>\n\n\n\n<li>&#x2757;<strong>\u4e0d\u662f\u7ed9\u4f60\u8865 liability \u4e0d\u591f\u7684\u60c5\u51b5<\/strong><\/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; \u4e00\u53e5\u8bdd\u8bb0\u5fc6\uff08\u5fc5\u987b\u80cc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201cLiability\u4e0d\u591f \u2192 \u81ea\u5df1\u8d54 \u2192 \u6ca1\u94b1\u5c31\u7834\u4ea7 \u2192 \u5bf9\u65b9\u81ea\u8ba4\u635f\u5931\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\">&#x1f9e0; \u8003\u8bd5\u6807\u51c6\u7b54\u6848\u5199\u6cd5<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurer pays up to policy limit<\/li>\n\n\n\n<li>Insured is personally liable for excess<\/li>\n\n\n\n<li>If insolvent, claimant may not recover full amount<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\uff0c\u8fd9\u4e00\u7ec4\u662f&#x1f449;<strong>\u4e13\u95e8\u5361\u201c\u8c01\u5148\u8d54\u201d\u7684\u987a\u5e8f\u9898\uff08AB vs Liability vs Tort\uff09<\/strong><br>\u505a\u5bf9\u8fd95\u9898\uff0c\u4f60\u5bf9\u5b89\u7701\u8d54\u4ed8\u903b\u8f91\u5c31\u5df2\u7ecf\u662f\u201c\u8003\u5b98\u7ea7\u7406\u89e3\u201d\u4e86\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u987a\u5e8f\u9898 1\uff08\u6700\u57fa\u7840\u4f46\u6700\u5bb9\u6613\u9519\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u88ab\u5bf9\u65b9\u649e\u4f24\uff08\u5bf9\u65b9100%\u8d23\u4efb\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2753;\u4f60\u7b2c\u4e00\u6b65\u627e\u8c01\u8d54\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u5bf9\u65b9 Liability<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u81ea\u5df1\u7684 AB<br><\/mark>C. \u76f4\u63a5\u8d77\u8bc9\uff08Tort\uff09<br>D. \u653f\u5e9c<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\uff1a<br>&#x1f449; <strong>\u6c38\u8fdc\u5148\u8d70 AB\uff08\u4e0d\u770b\u8d23\u4efb\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\">&#x1f9e8; \u9634\u9669\u987a\u5e8f\u9898 2\uff08AB + Tort\u6df7\u5408\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53d7\u4f24\u540e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df2\u4ece AB \u62ff\u5230 $40,000<\/li>\n\n\n\n<li>\u5b9e\u9645\u635f\u5931\uff1a$120,000<\/li>\n\n\n\n<li>\u5bf9\u65b9\u5168\u8d23<\/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\">&#x2753;\u4f60\u63a5\u4e0b\u6765\u53ef\u4ee5\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u518d\u4ece AB \u62ff\u5269\u4e0b\u7684<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u8d77\u8bc9\u5bf9\u65b9\u8981\u5dee\u989d\uff08Tort\uff09<br><\/mark>C. \u627e\u653f\u5e9c\u8865<br>D. \u653e\u5f03<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\uff1a<br>&#x1f449; <strong>AB\u4e0d\u591f \u2192 \u624d\u8d70 Tort\uff08\u544a\u5bf9\u65b9\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\">&#x1f9e8; \u9634\u9669\u987a\u5e8f\u9898 3\uff08Deductible\u9677\u9631\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u8d77\u8bc9\u5bf9\u65b9\uff08Tort\uff09\u6210\u529f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6cd5\u9662\u5224\u8d54\uff1a$100,000<\/li>\n\n\n\n<li>\u6cd5\u5b9a deductible\uff1a$40,000\uff08\u7b80\u5316\u8003\u6cd5\uff09<\/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\">&#x2753;\u4f60\u5b9e\u9645\u62ff\u591a\u5c11\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. $100,000<br>B. $60,000<br>C. $40,000<br>D. $0<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\uff1a<br>&#x1f449; <strong>Tort\u6709\u4eba\u4f24deductible\uff08AB\u6ca1\u6709\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\">&#x1f9e8; \u9634\u9669\u987a\u5e8f\u9898 4\uff08AB vs Liability\u6df7\u6dc6\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u662f\u4e58\u5ba2\uff0c\u53f8\u673a\u5168\u8d23\uff0c\u4f60\u53d7\u4f24\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2753;\u4f60\u7684\u4eba\u4f24\u8d54\u4ed8\u987a\u5e8f\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u53f8\u673a Liability \u2192 AB<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. AB \u2192 Liability<br><\/mark>C. \u76f4\u63a5 Liability<br>D. \u76f4\u63a5\u6cd5\u9662<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u79d2\u6740\uff1a<br>&#x1f449; <strong>\u5148AB\uff0c\u518d\u770b\u662f\u5426\u9700\u8981\u8d70 Liability\uff08\u901a\u8fc7\u8bc9\u8bbc\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\">&#x1f9e8; \u9634\u9669\u987a\u5e8f\u9898 5\uff08\u7ec8\u6781\u7efc\u5408&#x1f525;\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u60c5\u51b5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u5df1\u53d7\u4f24<\/li>\n\n\n\n<li>\u5bf9\u65b9\u5168\u8d23<\/li>\n\n\n\n<li>\u5df2\u62ff AB\uff1a$50,000<\/li>\n\n\n\n<li>\u603b\u635f\u5931\uff1a$200,000<\/li>\n\n\n\n<li>\u5bf9\u65b9 Liability\uff1a$100,000<\/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\">&#x2753;\u6700\u7ec8\u7ed3\u679c\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\u62c6\u89e3\uff1a<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u5148 AB\uff1a$50,000<br>2&#xfe0f;&#x20e3; \u5269\u4f59\u635f\u5931\uff1a$150,000<br>3&#xfe0f;&#x20e3; \u8d77\u8bc9\u5bf9\u65b9\uff08Tort\uff09\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5bf9\u65b9\u6700\u591a\u8d54\uff1a$100,000\uff08Liability\u4e0a\u9650\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4&#xfe0f;&#x20e3; \u6700\u7ec8\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u62ff\u5230\uff1a$50,000 + $100,000 = $150,000<\/li>\n\n\n\n<li>&#x2757;\u5269\u4f59 $50,000 \u2192 \u62ff\u4e0d\u5230<\/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\">&#x1f9e0; \u79d2\u6740\u903b\u8f91\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5148AB<\/strong><\/li>\n\n\n\n<li><strong>\u518dTort\uff08\u53d7\u5bf9\u65b9Liability\u9650\u5236\uff09<\/strong><\/li>\n\n\n\n<li><strong>\u4e0d\u591f\u6ca1\u4eba\u8865<\/strong><\/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; \u7ec8\u6781\u987a\u5e8f\u53e3\u8bc0\uff08\u5fc5\u80cc\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u5148AB\u4fdd\u81ea\u5df1\uff0c\u518dTort\u627e\u5bf9\u65b9\uff0c\u80fd\u8d54\u591a\u5c11\u770b\u989d\u5ea6\uff0c\u4e0d\u591f\u81ea\u5df1\u8ba4\u635f\u5931\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\">&#x1f9e0; \u518d\u538b\u4e00\u5c42\uff08\u8003\u5b98\u601d\u7ef4\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53ea\u8981\u6293\u4f4f3\u70b9\u5c31\u4e0d\u4f1a\u9519\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; <strong>\u987a\u5e8f\u6c38\u8fdc\uff1aAB \u2192 Tort\uff08Liability\uff09<\/strong><br>2&#xfe0f;&#x20e3; <strong>AB\u6ca1\u6709deductible\uff0cTort\u6709<\/strong><br>3&#xfe0f;&#x20e3; <strong>Liability\u6709\u4e0a\u9650\uff0c\u6ca1\u6709\u515c\u5e95<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e8b\u6545 \u2192 \u8d54\u4ed8\u5c01\u9876 \u5168\u6d41\u7a0b\u56fe\uff08RIBO\u7ec8\u6781\u7248\uff09<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>&#x1f6a8; \u53d1\u751f\u4ea4\u901a\u4e8b\u6545<br>        \u2193<br>&#x1f464; \u662f\u5426\u6709\u4eba\u53d7\u4f24\uff1f<br>        \u2193<br>   &#x2705; \u6709\u4eba\u53d7\u4f24<br>        \u2193<br>&#x1f7e2; Step 1\uff1a\u5148\u8d70 AB\uff08Accident Benefits\uff09<br>        \u2193<br>&#x1f449; \u4ece\u201c\u81ea\u5df1\u4fdd\u9669\u201d\u62ff\u94b1\uff08\u4e0d\u770b\u8d23\u4efb\uff09<br>&#x1f449; \u5305\u62ec\uff1aIRB \/ \u533b\u7597 \/ \u5eb7\u590d \/ \u62a4\u7406<br>        \u2193<br>&#x1f4b0; AB\u591f\u4e0d\u591f\uff1f<br>     \u2193            \u2193<br>   &#x2705;\u591f          &#x274c;\u4e0d\u591f<br>   \u2193             \u2193<br>\u7ed3\u675f        &#x1f7e0; Step 2\uff1a\u8d70 Tort\uff08\u8d77\u8bc9\u5bf9\u65b9\uff09<br>                    \u2193<br>            &#x1f449; \u901a\u8fc7\u5bf9\u65b9 Liability \u8d54<br>                    \u2193<br>            &#x26a0;&#xfe0f; \u662f\u5426\u8fbe\u5230\u8d77\u8bc9\u95e8\u69db\uff1f<br>                    \u2193<br>            \uff08\u8003\u8bd5\u9ed8\u8ba4\uff1a\u53ef\u4ee5\uff09<br>                    \u2193<br>            &#x1f4b0; \u5224\u8d54\u91d1\u989d<br>                    \u2193<br>            &#x2796; \u51cf\u53bb deductible<br>                    \u2193<br>            &#x1f4b0; \u5b9e\u9645\u53ef\u62ff\u91d1\u989d<br>                    \u2193<br>            &#x26a0;&#xfe0f; \u770b\u5bf9\u65b9 Liability\u989d\u5ea6<br>                    \u2193<br>        \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br>        \u2193                               \u2193<br>   &#x2705;\u989d\u5ea6\u591f                        &#x274c;\u989d\u5ea6\u4e0d\u591f<br>        \u2193                               \u2193<br> \u5168\u989d\u62ff\u5230                     \u53ea\u62ff\u5230\u989d\u5ea6\u4e0a\u9650<br>                                        \u2193<br>                               \u5269\u4f59\u8c01\u627f\u62c5\uff1f<br>                                        \u2193<br>                           &#x1f449; \u4f60\u81ea\u5df1\u627f\u62c5\u635f\u5931<br>                           &#x1f449; \u6216\u8d77\u8bc9\u4f46\u5bf9\u65b9\u6ca1\u94b1<br>                                        \u2193<br>                           &#x1f449; \u6700\u7ec8\u53ef\u80fd\u6536\u4e0d\u56de<\/code><\/pre>\n\n\n\n<h1 class=\"wp-block-heading\">\u540c\u65f6\u522b\u5fd8\u4e86\u201c\u8f66\u635f\u7ebf\u201d\uff08\u5f88\u591a\u4eba\u6f0f\u6389\uff09<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>&#x1f697; \u8f66\u8f86\u635f\u574f\uff1f<br>        \u2193<br>&#x1f449; \u81ea\u5df1\u8f66 \u2192 Collision<br>        \u2193<br>&#x1f449; \u522b\u4eba\u8f66\uff08\u79df\/\u501f\uff09 \u2192 OPCF 27<br>        \u2193<br>&#x1f449; \u4fee\u8f66\u671f\u95f4\u6ca1\u8f66\uff1f<br>        \u2193<br>&#x1f449; OPCF 20\uff08\u79df\u8f66\u8d39\u7528\uff09<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u4e00\u773c\u79d2\u8bb0\u7248\uff08\u538b\u7f29\u5230\u6781\u9650\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u4e8b\u6545 \u2192 \u5148AB \u2192 \u4e0d\u591f\u518d\u544a\uff08Tort\uff09 \u2192 \u770b\u5bf9\u65b9\u989d\u5ea6 \u2192 \u4e0d\u591f\u81ea\u5df1\u4e8f<\/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; \u8003\u573a\u6700\u5173\u952e3\u4e2a\u5224\u65ad\u70b9<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u8c01\u5148\u8d54\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u6c38\u8fdc AB \u5148<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; \u80fd\u4e0d\u80fd\u544a\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>AB\u4e0d\u591f\u624d\u544a\uff08Tort\uff09<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; \u80fd\u4e0d\u80fd\u62ff\u5168\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u770b\u5bf9\u65b9 Liability\u591f\u4e0d\u591f<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4a5; \u6700\u7ec8\u5c01\u9876\u672c\u8d28\uff08\u4e00\u53e5\u8bdd\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u8d54\u4ed8\u4e0a\u9650 = AB + \u5bf9\u65b9Liability\uff08\u518d\u591a\u6ca1\u6709\uff09\u201d<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f697; \u4e8b\u6545 \u2192 \u8d54\u4ed8\u5c01\u9876\uff08\u7ec8\u6781\u6d41\u7a0b\u56fe\uff09<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>\u3010\u4e8b\u6545\u53d1\u751f\u3011<br>      \u2193<br>\u2460 \u662f\u5426\u6709\u4eba\u53d7\u4f24\uff1f<br>      \u2193<br> \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br> \u2193                               \u2193<br>&#x274c; \u65e0\u4eba\u4f24                      &#x2705; \u6709\u4eba\u4f24<br> \u2193                               \u2193<br>\u8d70\u8f66\u635f\u6d41\u7a0b                    \u2461 \u5148\u8d70 AB\uff08\u81ea\u5df1\u4fdd\u9669\uff09<br> \u2193                               \u2193<br>Collision \/ Comp              &#x1f449; \u4e0d\u770b\u8d23\u4efb<br> \u2193                               \u2193<br>\uff08\u6263 deductible\uff09             &#x1f449; IRB \/ \u533b\u7597 \/ \u5eb7\u590d<br> \u2193                               \u2193<br>\u7ed3\u675f                          \u2193<br>                              \u2462 AB\u591f\u4e0d\u591f\uff1f<br>                              \u2193<br>                    \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br>                    \u2193                               \u2193<br>                 &#x2705; \u591f                          &#x274c; \u4e0d\u591f<br>                    \u2193                               \u2193<br>                  \u7ed3\u675f                      \u2463 \u8d70 Tort\uff08\u8d77\u8bc9\u5bf9\u65b9\uff09<br>                                              \u2193<br>                                      &#x1f449; \u7528\u5bf9\u65b9 Liability\u8d54<br>                                              \u2193<br>                                      \u2464 \u6cd5\u9662\u5224\u8d54\u91d1\u989d<br>                                              \u2193<br>                                      &#x2796; \u6263 deductible<br>                                              \u2193<br>                                      \u2465 \u770b\u5bf9\u65b9\u989d\u5ea6\u591f\u4e0d\u591f<br>                                              \u2193<br>                           \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br>                           \u2193                               \u2193<br>                        &#x2705; \u591f                          &#x274c; \u4e0d\u591f<br>                           \u2193                               \u2193<br>                     \u5168\u90e8\u62ff\u5230                     \u53ea\u62ff\u5230\u989d\u5ea6\u4e0a\u9650<br>                                                           \u2193<br>                                               \u2466 \u5269\u4f59\u90e8\u5206\u600e\u4e48\u529e\uff1f<br>                                                           \u2193<br>                                           &#x1f449; \u4f60\u53ef\u7ee7\u7eed\u8ffd\u8ba8\uff08\u8d77\u8bc9\uff09<br>                                           &#x1f449; \u4f46\u5bf9\u65b9\u6ca1\u94b1\/\u7834\u4ea7<br>                                                           \u2193<br>                                           &#x2757;\u6700\u7ec8\uff1a\u62ff\u4e0d\u5230\uff08\u81ea\u5df1\u635f\u5931\uff09<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f697; \u8f66\u635f &amp; \u7528\u8f66\uff08\u5e76\u884c\u53d1\u751f\uff0c\u8003\u8bd5\u5e38\u6df7\uff09<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>\u3010\u8f66\u8f86\u76f8\u5173\u3011<br>      \u2193<br>&#x1f697; \u81ea\u5df1\u8f66\u635f\u574f\uff1f<br>      \u2193<br>&#x1f449; Collision\uff08\u6263 deductible\uff09<br><br>&#x1f697; \u79df\u8f66 \/ \u501f\u8f66\u635f\u574f\uff1f<br>      \u2193<br>&#x1f449; OPCF 27\uff08\u6263 deductible\uff09<br><br>&#x1f697; \u4fee\u8f66\u671f\u95f4\u6ca1\u8f66\uff1f<br>      \u2193<br>&#x1f449; OPCF 20\uff08\u79df\u8f66\u8d39\u7528\uff09<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u7ec8\u6781\u538b\u7f29\uff08\u8003\u573a\u8111\u5185\u7248\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u4eba\u4f24\uff1aAB \u2192 \u4e0d\u591f \u2192 Tort \u2192 \u770b\u989d\u5ea6 \u2192 \u5c01\u9876<\/strong><br><strong>\u8f66\u635f\uff1a\u81ea\u5df1\u8f66Collision\uff0c\u522b\u4eba\u8f6627\uff0c\u6ca1\u8f6620<\/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; \u6700\u5173\u952e\u201c\u5c01\u9876\u70b9\u201d\uff08\u4e00\u5b9a\u8981\u8bb0\u4f4f\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u6700\u7ec8\u4f60\u6700\u591a\u80fd\u62ff\uff1a<\/strong><br>&#x2714; AB\u8d54\u4ed8<br>&#x2795; \u5bf9\u65b9 Liability \u4e0a\u9650<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2757;<strong>\u8d85\u8fc7\u90e8\u5206 = \u6ca1\u4eba\u8865<\/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; \u6700\u540e3\u4e2a\u6613\u9519\u70b9\uff08\u626b\u4e00\u773c\u5c31\u63d0\u5206\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; <strong>AB \u6c38\u8fdc\u7b2c\u4e00\u6b65\uff08\u4e0d\u770b\u8d23\u4efb\uff09<\/strong><br>2&#xfe0f;&#x20e3; <strong>Tort \u6709 deductible\uff0cAB \u6ca1\u6709<\/strong><br>3&#xfe0f;&#x20e3; <strong>Liability \u4e0d\u591f = \u4e0d\u5b58\u5728\u515c\u5e95\u4eba<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u538b\u8f74\u5927\u9898\uff08\u5b8c\u6574\u6d41\u7a0b\u6a21\u62df\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f697; \u4e8b\u6545\u80cc\u666f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u738b\u5148\u751f\u4fdd\u9669\u60c5\u51b5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability\uff1a$1,000,000<\/li>\n\n\n\n<li>Collision\uff1a\u6709\uff08Deductible $1,000\uff09<\/li>\n\n\n\n<li>OPCF 27\uff1a\u6709<\/li>\n\n\n\n<li>OPCF 20\uff1a\u6709<\/li>\n\n\n\n<li>&#x274c; \u6ca1\u6709 OPCF 5<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f6a8; \u4e8b\u6545\u53d1\u751f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u738b\u5148\u751f\u5f00\u79df\u8f66\u53d1\u751f\u4e25\u91cd\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5bf9\u65b9\u4eba\u5458\u4f24\u5bb3\uff1a$1,200,000<\/li>\n\n\n\n<li>\u5bf9\u65b9\u8f66\u8f86\u635f\u5931\uff1a$80,000<\/li>\n\n\n\n<li>\u79df\u8f66\u635f\u574f\uff1a$25,000<\/li>\n\n\n\n<li>\u738b\u5148\u751f\u53d7\u4f24\u65e0\u6cd5\u5de5\u4f5c<\/li>\n\n\n\n<li>\u4fee\u8f66\u671f\u95f4\u79df\u8f66\u8d39\u7528\uff1a$1,500<\/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\">&#x2753;\u95ee\u9898\uff1a\u9010\u9879\u8ba1\u7b97\u8c01\u8d54\u591a\u5c11\uff1f\u6700\u7ec8\u738b\u5148\u751f\u7ed3\u679c\u662f\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; Step 1\uff1a\u4eba\u4f24\uff08\u6700\u5173\u952e\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f449; \u5148\u8d70 AB\uff08Accident Benefits\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u738b\u5148\u751f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5148\u4ece\u81ea\u5df1 AB \u62ff\u94b1\uff08\u533b\u7597 + IRB\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5047\u8bbe AB \u5df2\u652f\u4ed8\uff1a$60,000<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f449; \u5269\u4f59\u635f\u5931<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u603b\u4eba\u4f24\uff1a$1,200,000<\/li>\n\n\n\n<li>AB\u5df2\u8d54\uff1a$60,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5269\u4f59\uff1a$1,140,000<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f449; \u8d70 Tort\uff08\u8d77\u8bc9\u5bf9\u65b9\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u65b9 Liability\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0a\u9650\uff1a$1,000,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7ed3\u679c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8d54\u6ee1\uff1a$1,000,000<\/li>\n\n\n\n<li>\u5269\u4f59\uff1a$140,000 &#x274c; \u65e0\u6cd5\u6536\u56de<\/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; Step 2\uff1a\u79df\u8f66\u635f\u574f\uff08OPCF 27\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; OPCF 27<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79df\u8f66\u635f\u574f\uff1a$25,000<\/li>\n\n\n\n<li>Deductible\uff1a$1,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u8d54\u4ed8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= $24,000<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; Step 3\uff1a\u738b\u5148\u751f\u81ea\u5df1\u8f66\u635f\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4ed6\u5f00\u7684\u662f\u79df\u8f66<br>&#x1f449; \u6240\u4ee5\u8d70 OPCF 27<br>&#x1f449; \u5df2\u5904\u7406\uff08\u4e0d\u6d89\u53ca Collision\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; Step 4\uff1a\u4fee\u8f66\u671f\u95f4\u79df\u8f66\u8d39\u7528<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; OPCF 20<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79df\u8f66\u8d39\u7528\uff1a$1,500<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5168\u8d54\uff08\u5047\u8bbe\u9650\u989d\u8db3\u591f\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= $1,500<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; Step 5\uff1a\u738b\u5148\u751f\u53d7\u4f24\u6536\u5165\u635f\u5931<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u5df2\u5728 AB \u91cc\u5904\u7406\uff08IRB\uff09<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df2\u652f\u4ed8\uff1a$60,000\uff08\u5305\u542b\u533b\u7597+\u6536\u5165\u8865\u507f\uff09<\/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\">&#x1f4b0; \u6700\u7ec8\u7ed3\u679c\u6c47\u603b<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">&#x2714; \u5bf9\u65b9\u4eba\u4f24\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AB\uff1a$60,000<\/li>\n\n\n\n<li>Liability\uff08Tort\uff09\uff1a$1,000,000<\/li>\n\n\n\n<li>&#x274c; \u635f\u5931\u672a\u8986\u76d6\uff1a$140,000<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x2714; \u79df\u8f66\u635f\u574f\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OPCF 27 \u2192 $24,000<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x2714; \u79df\u8f66\u8d39\u7528\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OPCF 20 \u2192 $1,500<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x2714; \u738b\u5148\u751f\u53d7\u4f24\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df2\u7531 AB \u5904\u7406<\/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; \u6700\u7ec8\u5c01\u9876\u7ed3\u8bba\uff08\u8003\u8bd5\u6838\u5fc3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u738b\u5148\u751f\u6700\u591a\u80fd\u62ff\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714; AB + Liability + OPCF\u4fdd\u969c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u73b0\u5b9e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2757; <strong>\u4ecd\u7136\u635f\u5931 $140,000\uff08\u5bf9\u65b9\u989d\u5ea6\u4e0d\u591f\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; \u4e00\u6b65\u4e00\u884c\u201c\u8003\u8bd5\u89e3\u9898\u6a21\u677f\u201d<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bb0\u4f4f\u8fd95\u6b65\u5c31\u4e0d\u4f1a\u9519\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 \u4eba\u4f24 \u2192 AB\uff08\u5148\u8d70\uff09<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 \u4e0d\u591f \u2192 Tort\uff08\u544a\u5bf9\u65b9\uff09<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2462 \u770b Liability \u4e0a\u9650<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2463 \u8f66\u635f \u2192 Collision \/ OPCF 27<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2464 \u6ca1\u8f66\u7528 \u2192 OPCF 20<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4a5; \u8003\u573a\u7ec8\u6781\u53e3\u8bc0\uff08\u8fd9\u4e00\u9898\u6838\u5fc3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201c\u4eba\u4f24\u5148AB\uff0c\u4e0d\u591f\u544a\u5bf9\u65b9\uff1b\u8f66\u635f\u770b27\uff0c\u6ca1\u8f66\u770b20\uff1bLiability\u5c01\u9876\u6ca1\u4eba\u8865\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\uff0c\u8fd95\u9053\u5c31\u662f&#x1f449;<strong>\u4e13\u95e8\u5361\u201c\u7ec6\u8282\u8bef\u533a\u201d\u7684\u9634\u9669\u9009\u62e9\u9898<\/strong><br>\uff08\u4e0d\u662f\u96be\u5728\u8ba1\u7b97\uff0c\u800c\u662f\u4e13\u5751\u7406\u89e3\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u9009\u62e9\u9898 1\uff08AB\u987a\u5e8f\u9677\u9631\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u4f5c\u4e3a\u4e58\u5ba2\u53d7\u4f24\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f66\u662f\u670b\u53cb\u7684<\/li>\n\n\n\n<li>\u670b\u53cb\u5168\u8d23<\/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\">&#x2753;\u4f60\u5e94\u5148\u5411\u8c01\u7d22\u8d54\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u670b\u53cb\u7684 Liability<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u81ea\u5df1\u7684 AB<br><\/mark>C. \u670b\u53cb\u7684 AB<br>D. \u653f\u5e9c<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u5173\u952e\u5751\uff1a<br>&#x1f449; <strong>AB\u4f18\u5148\u770b\u201c\u4f60\u81ea\u5df1\u7684\u4fdd\u9669\u201d<\/strong><br>\u4e0d\u662f\u8f66\u4e3b\u7684\uff0c\u4e5f\u4e0d\u662f\u8d23\u4efb\u65b9\u7684<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u9009\u62e9\u9898 2\uff08AB vs Tort\u6df7\u6dc6\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53d7\u4f24\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AB\u5df2\u8d54 $50,000<\/li>\n\n\n\n<li>\u5b9e\u9645\u635f\u5931 $80,000<\/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\">&#x2753;\u4f60\u53ef\u4ee5\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u518d\u4ece AB \u7533\u8bf7\u5269\u4f59<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u8d77\u8bc9\u5bf9\u65b9\u8981 $30,000<br><\/mark>C. \u4e24\u8005\u90fd\u53ef\u4ee5<br>D. \u65e0\u6cd5\u518d\u7d22\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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u5173\u952e\u5751\uff1a<br>&#x1f449; AB\u6709\u4e0a\u9650<br>&#x1f449; \u4e0d\u591f \u2192 \u624d\u80fd\u8d70 Tort<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u9009\u62e9\u9898 3\uff08Deductible\u9519\u4f4d\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8d77\u8bc9\u6210\u529f\uff08Tort\uff09\u83b7\u8d54 $100,000<\/li>\n\n\n\n<li>deductible\uff1a$40,000<\/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\">&#x2753;\u4f60\u62ff\u591a\u5c11\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. $100,000<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. $60,000<br><\/mark>C. $40,000<br>D. $0<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u5173\u952e\u5751\uff1a<br>&#x1f449; <strong>\u53ea\u6709Tort\u6709\u4eba\u4f24deductible<\/strong><br>&#x1f449; AB\u6ca1\u6709\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u9009\u62e9\u9898 4\uff08OPCF 27\u8bef\u89e3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u5f00\u670b\u53cb\u7684\u8f66\u53d1\u751f\u4e8b\u6545\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2753;OPCF 27 \u7684\u4f5c\u7528\u662f\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u8d54\u4f60\u7684\u4eba\u4f24<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. \u8d54\u670b\u53cb\u7684\u8f66\u635f<br><\/mark>C. \u8d54\u7b2c\u4e09\u65b9<br>D. \u8d54\u4f60\u6536\u5165\u635f\u5931<\/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>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u5173\u952e\u5751\uff1a<br>&#x1f449; OPCF 27 = <strong>\u4f60\u5f00\u201c\u975e\u81ea\u6709\u8f66\u8f86\u201d\u7684\u8f66\u635f\u4fdd\u969c<\/strong><br>&#x1f449; \u4e0d\u662f\u4eba\u4f24\uff0c\u4e0d\u662f\u8d23\u4efb\u9669<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e8; \u9634\u9669\u9009\u62e9\u9898 5\uff08\u7ec8\u6781\u5751\uff1aOPCF 5\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u628a\u513f\u5b50\u6392\u9664\u5728\u5916\uff08\u7b7e\u4e86\uff09<br>OPCF 5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ed6\u5077\u5077\u5f00\u8f66\u51fa\u4e8b\u6545\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2753;\u7ed3\u679c\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u53ea\u662f\u4e0d\u8d54\u4ed6\u672c\u4eba<br>B. \u4e0d\u8d54\u8f66\u635f<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. \u5168\u90e8\u4e0d\u8d54<br><\/mark>D. \u4fdd\u9669\u516c\u53f8\u90e8\u5206\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>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f9e0; \u5173\u952e\u5751\uff1a<br>&#x1f449; OPCF 5 = <strong>\u8fd9\u4e2a\u4eba\u5f00\u8f66 \u2192 \u6574\u4e2a\u4e8b\u6545\u65e0\u4fdd\u969c<\/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; \u6700\u540e\u4e00\u9875\u201c\u7ec6\u8282\u96f7\u533a\u603b\u7ed3\u201d<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f6a8; \u6700\u5bb9\u6613\u9519\u76845\u4e2a\u70b9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; <strong>AB\u627e\u8c01\uff1f\u2192 \u6c38\u8fdc\u5148\u627e\u81ea\u5df1\u4fdd\u9669<\/strong><br>2&#xfe0f;&#x20e3; <strong>AB vs Tort \u2192 \u4e0d\u591f\u624d\u544a<\/strong><br>3&#xfe0f;&#x20e3; <strong>Deductible \u2192 \u53ea\u5728Tort\uff0c\u4e0d\u5728AB<\/strong><br>4&#xfe0f;&#x20e3; <strong>OPCF 27 \u2192 \u53ea\u7ba1\u201c\u8f66\u201d\uff0c\u4e0d\u7ba1\u201c\u4eba\u201d<\/strong><br>5&#xfe0f;&#x20e3; <strong>OPCF 5 \u2192 \u4e00\u65e6\u5f00\u8f66\uff0c\u5168\u76d8\u4e0d\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; \u7ec8\u6781\u4e00\u53e5\u8bdd\uff08\u626b\u4e00\u773c\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449;<br><strong>\u201cAB\u5148\u81ea\u5df1\uff0cTort\u8865\u5dee\u989d\uff1b27\u7ba1\u8f66\uff0c5\u5168\u706d\uff0cDeductible\u53ea\u5728\u544a\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21074\" class=\"pvc_stats all  \" data-element-id=\"21074\" 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>OPCF 5 \u662f\u5b89\u7701\uff08Ontario\uff09\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u4e00\u4e2a**\u201c\u6307\u5b9a\u9a7e\u9a76\u4eba\u6392\u9664\u6761\u6b3e\u201d**\uff0c\u4e5f\u5c31\u662f\uff1a&#x1f449;\u628a\u67d0\u4e2a\u7279\u5b9a\u7684\u4eba\u4ece\u4f60\u7684\u4fdd\u9669\u4fdd\u969c\u4e2d\u201c\u6392\u9664\u6389\u201d\u3002 \u4e00\u3001OPCF 5 \u7684\u6838\u5fc3\u8981\u6c42\uff08\u8003\u8bd5\u91cd\u70b9 + \u5b9e\u52a1\u91cd\u70b9\uff09 1&#xfe0f;&#x20e3; \u5fc5\u987b\u662f\u201c\u660e\u786e\u6307\u5b9a\u7684\u4eba\u201d 2&#xfe0f;&#x20e3; \u88ab\u6392\u9664\u7684\u4eba = \u5b8c\u5168\u6ca1\u6709\u4fdd\u969c \u53ea\u8981\u8be5\u4eba\u5f00\u4f60\u7684\u8f66\uff1a &#x1f449; \u8fd9\u662f\u201c\u6700\u4e25\u5389\u201d\u7684\u6761\u6b3e\u4e4b\u4e00 3&#xfe0f;&#x20e3; \u5fc5\u987b\u7b7e\u5b57\u540c\u610f\uff08\u5173\u952e\u8003\u70b9\uff09 &#x1f449; \u8bf4\u660e\uff1a\u5bf9\u65b9\u660e\u786e\u77e5\u9053\u201c\u81ea\u5df1\u4e0d\u80fd\u5f00\u8fd9\u8f86\u8f66\u201d 4&#xfe0f;&#x20e3; \u9002\u7528\u524d\u63d0\uff08\u4fdd\u9669\u516c\u53f8\u624d\u4f1a\u7ed9\u4f60\u7528\uff09 \u901a\u5e38\u7528\u4e8e\uff1a &#x1f449; \u7528 OPCF 5 \u53ef\u4ee5\uff1a 5&#xfe0f;&#x20e3; \u4e00\u65e6\u8fdd\u53cd\uff0c\u540e\u679c\u975e\u5e38\u4e25\u91cd \u5982\u679c\u88ab\u6392\u9664\u7684\u4eba\u8fd8\u662f\u5f00\u8f66\u5e76\u51fa\u4e8b\u6545\uff1a \u4e8c\u3001\u8003\u8bd5\u5e38\u89c1\u9677\u9631\uff08\u975e\u5e38\u7231\u8003&#x26a0;&#xfe0f;\uff09 &#x274c; \u9677\u96311\uff1a \u201c\u88ab\u6392\u9664\u7684\u4eba\u5076\u5c14\u5f00\u4e00\u4e0b\uff0c\u5e94\u8be5\u53ef\u4ee5\u5427\uff1f\u201d &#x1f449; \u9519\uff01\u4e00\u6b21\u90fd\u4e0d\u53ef\u4ee5\u5f00 &#x274c; \u9677\u96312\uff1a \u201c\u53ea\u662f\u4e0d\u8d54\u4ed6\u672c\u4eba\u4f24\u5bb3\uff1f\u201d &#x1f449; \u9519\uff01&#x1f449; \u662f \u6574\u4e2a\u4e8b\u6545\u90fd\u4e0d\u8d54 &#x274c; \u9677\u96313\uff1a \u201c\u53ea\u8981\u8f66\u4e3b\u540c\u610f\u5c31\u884c\uff1f\u201d &#x1f449; \u9519\uff01&#x1f449; \u53cc\u65b9\u5fc5\u987b\u7b7e\u5b57 \u4e09\u3001\u4e00\u53e5\u8bdd\u8bb0\u5fc6\uff08\u8003\u524d\u901f\u8bb0\uff09 &#x1f449; \u201cOPCF 5 &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21074\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6 \uff1aOPCF 5 \u6709\u4ec0\u4e48\u8981\u6c42&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21074\" class=\"pvc_stats all  \" data-element-id=\"21074\" 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>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[163,156],"class_list":["post-21074","post","type-post","status-publish","format-standard","hentry","category-155","tag-opcf-5","tag-156"],"a3_pvc":{"activated":true,"total_views":2,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21074"}],"version-history":[{"count":2,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21074\/revisions"}],"predecessor-version":[{"id":21076,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21074\/revisions\/21076"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21074"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}