{"id":21095,"date":"2026-05-28T03:42:49","date_gmt":"2026-05-28T03:42:49","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21095"},"modified":"2026-05-28T03:51:59","modified_gmt":"2026-05-28T03:51:59","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9awhat-insurance-is-required-by-law","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21095","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aWhat Insurance is Required by Law"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728 RIBO Level 1 \u91cc\uff0c<strong>\u201cWhat Insurance is Required by Law\u201d<\/strong> \u662f\u6cd5\u89c4\u7c7b\u9ad8\u9891\u8003\u70b9\u3002\u6838\u5fc3\u4e0d\u662f\u8ba9\u4f60\u80cc\u6240\u6709\u4fdd\u9669\uff0c\u800c\u662f\u8981\u77e5\u9053\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u54ea\u4e9b\u4fdd\u9669\u662f\u201c\u6cd5\u5f8b\u5f3a\u5236\u201d<\/li>\n\n\n\n<li>\u8c01\u5fc5\u987b\u4e70<\/li>\n\n\n\n<li>\u4e0d\u4e70\u4f1a\u600e\u6837<\/li>\n\n\n\n<li>\u54ea\u4e9b\u53ea\u662f\u201c\u8d37\u6b3e\u65b9\/\u5408\u540c\u8981\u6c42\u201d\uff0c\u4e0d\u662f\u6cd5\u5f8b\u8981\u6c42<\/li>\n\n\n\n<li>Ontario\uff08\u5b89\u7701\uff09\u6700\u5e38\u8003\u54ea\u4e9b mandatory insurance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u9700\u8981\u638c\u63e1\u4ee5\u4e0b 6 \u5927\u91cd\u70b9\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1. Automobile Insurance\uff08\u6c7d\u8f66\u4fdd\u9669\uff09\u2014 \u6700\u91cd\u8981<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 Ontario\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8981\u8f66\u8f86\u4e0a\u8def\uff0c<br><strong>\u6cd5\u5f8b\u5f3a\u5236\u5fc5\u987b\u6709 Auto Insurance\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f9d\u636e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance Act<\/li>\n\n\n\n<li>Compulsory Automobile Insurance Act<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\u81f3\u5c11\u5305\u62ec\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5fc5\u987b\u4fdd\u969c<\/th><th>\u4f5c\u7528<\/th><\/tr><\/thead><tbody><tr><td>Third Party Liability<\/td><td>\u8d54\u522b\u4eba<\/td><\/tr><tr><td>Accident Benefits (AB)<\/td><td>\u8d54\u81ea\u5df1\u53d7\u4f24<\/td><\/tr><tr><td>DCPD\uff08\u73b0\u5728\u90e8\u5206\u6539\u5236\uff09<\/td><td>\u81ea\u5df1\u8f66\u635f<\/td><\/tr><tr><td>Uninsured Automobile<\/td><td>\u5bf9\u65b9\u6ca1\u4fdd\u9669<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6cd5\u5f8b\u6700\u4f4e Liability Limit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b89\u7701\u6700\u4f4e\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">$200,000<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5e02\u573a\u6807\u51c6\u901a\u5e38\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$1 million<\/li>\n\n\n\n<li>$2 million<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u7231\u8003\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u6cd5\u5f8b\u6700\u4f4e\u201d \u2260 \u201c\u5efa\u8bae\u8d2d\u4e70\u91d1\u989d\u201d<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9ad8\u9891\u9677\u9631<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u9677\u9631 1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u8981\u6c42\u4e70\u8f66\u9669\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u4ee3\u8868\u6cd5\u5f8b\u8981\u6c42 Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u5f8b\u53ea\u8981\u6c42\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability<\/li>\n\n\n\n<li>AB<\/li>\n\n\n\n<li>Uninsured<\/li>\n\n\n\n<li>DCPD<\/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\">\u9677\u9631 2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Collision \/ Comprehensive\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u662f\u6cd5\u5f8b\u5f3a\u5236<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lender\u8981\u6c42<\/li>\n\n\n\n<li>\u6216\u8f66\u4e3b\u81ea\u5df1\u9009\u62e9<\/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\">2. Workers\u2019 Compensation\uff08\u5de5\u4f24\u4fdd\u9669\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5b89\u7701\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u96c7\u4e3b\u5fc5\u987b\u53c2\u52a0\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">WSIB<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Workplace Safety and Insurance Board\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\u6cd5\u5f8b\u8981\u6c42\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u8003\u8bd5\u91cd\u70b9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u96c7\u5458\u53d7\u4f24\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u8fc7 WSIB \u8d54\u507f<\/li>\n\n\n\n<li>\u4e0d\u80fd\u76f4\u63a5 sue employer<\/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\">\u9ad8\u9891\u6982\u5ff5<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">No-fault compensation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u4f24\u7cfb\u7edf\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u8bba\u8c01\u9519<\/li>\n\n\n\n<li>\u5458\u5de5\u53ef\u83b7\u5f97\u8865\u507f<\/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\">3. Professional Liability\uff08\u67d0\u4e9b\u804c\u4e1a\u5f3a\u5236\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u67d0\u4e9b\u884c\u4e1a\u6cd5\u5f8b\u8981\u6c42\u4e13\u4e1a\u8d23\u4efb\u9669\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f8b\u5e08<\/li>\n\n\n\n<li>\u533b\u751f<\/li>\n\n\n\n<li>\u4fdd\u9669\u7ecf\u7eaa<\/li>\n\n\n\n<li>\u4f1a\u8ba1\u5e08<\/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\">RIBO \u81ea\u5df1\u5c31\u5c5e\u4e8e\u8fd9\u4e2a\u8303\u56f4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8\u901a\u5e38\u9700\u8981\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Errors &amp; Omissions Insurance\uff08E&amp;O\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u804c\u4e1a\u8d23\u4efb\u9669\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4. Home Insurance\uff08\u623f\u5c4b\u4fdd\u9669\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u8d85\u7231\u8003\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Home Insurance NOT required by law<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u623f\u5c4b\u4fdd\u9669\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u662f\u6cd5\u5f8b\u5f3a\u5236<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u8d37\u6b3e\u65f6\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mortgage lender \u901a\u5e38\u5f3a\u5236\u8981\u6c42<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9ad8\u9891\u9677\u9631\u9898<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u95ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u6cd5\u5f8b\u662f\u5426\u8981\u6c42\u623f\u5c4b\u4fdd\u9669\uff1f\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">NO<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f46\uff1a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u4fdd\u9669\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u94f6\u884c\u53ef\u80fd\u4e0d\u7ed9\u8d37\u6b3e<\/li>\n\n\n\n<li>\u6216\u8fdd\u53cd mortgage agreement<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>contract requirement<br>\u4e0d\u662f\uff1a<\/li>\n\n\n\n<li>legal requirement<\/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\">5. Life Insurance\uff08\u5bff\u9669\uff09<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e0d\u5c5e\u4e8e\u6cd5\u5f8b\u5f3a\u5236<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6cd5\u9662\u534f\u8bae<\/li>\n\n\n\n<li>business agreement<\/li>\n\n\n\n<li>divorce settlement<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u8981\u6c42\u8d2d\u4e70\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u4f1a\u95ee\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201crequired by law\u201d \u8fd8\u662f \u201crequired by contract\u201d<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">6. Mortgage Insurance vs Legal Requirement<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u6700\u7231\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u7c7b\u578b<\/th><th>\u662f\u5426\u6cd5\u5f8b\u5f3a\u5236<\/th><\/tr><\/thead><tbody><tr><td>Auto Liability<\/td><td>&#x2705; Yes<\/td><\/tr><tr><td>Home Insurance<\/td><td>&#x274c; No<\/td><\/tr><tr><td>Collision<\/td><td>&#x274c; No<\/td><\/tr><tr><td>Mortgage Insurance<\/td><td>&#x274c; No<\/td><\/tr><tr><td>Life Insurance<\/td><td>&#x274c; No<\/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\">RIBO \u771f\u6b63\u60f3\u8003\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6838\u5fc3\u5176\u5b9e\u53ea\u6709\u4e00\u53e5\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u201c\u6cd5\u5f8b\u5f3a\u5236\u201d \u548c \u201c\u5408\u540c\u8981\u6c42\u201d \u7684\u533a\u522b<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5fc5\u80cc\u53e3\u8bc0<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">LAW vs CONTRACT<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u6cd5\u5f8b\u5f3a\u5236\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Auto Insurance<\/li>\n\n\n\n<li>WSIB\uff08\u90e8\u5206\u884c\u4e1a\uff09<\/li>\n\n\n\n<li>\u67d0\u4e9b\u804c\u4e1a E&amp;O<\/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\">\u5408\u540c\u8981\u6c42\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Home Insurance<\/li>\n\n\n\n<li>Collision<\/li>\n\n\n\n<li>Mortgage Insurance<\/li>\n\n\n\n<li>Life Insurance<\/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\">\u6700\u5bb9\u6613\u51fa\u7684\u8003\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Q1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A bank requires collision coverage on a financed vehicle. This means:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision is required by law<br>B. Collision is mandatory in Ontario<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Collision is required by contract<br><\/mark>D. Collision is part of Accident Benefits<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Q2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which insurance is legally required to operate a vehicle in Ontario?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<br>B. Comprehensive<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Third Party Liability<br><\/mark>D. Specified Perils<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Q3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Homeowners insurance in Ontario is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Required by law<br>B. Required under Insurance Act<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Usually required by mortgage lenders<br><\/mark>D. Mandatory for detached homes<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u8003\u524d\u538b\u7f29\u7248\uff08\u4e00\u9875\u8111\u8bb0\uff09<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Insurance<\/th><th>Required by Law?<\/th><\/tr><\/thead><tbody><tr><td>Auto Liability<\/td><td>&#x2705;<\/td><\/tr><tr><td>Accident Benefits<\/td><td>&#x2705;<\/td><\/tr><tr><td>DCPD<\/td><td>&#x2705;\uff08\u4f20\u7edf\u8003\u8bd5\u4f53\u7cfb\uff09<\/td><\/tr><tr><td>Uninsured Auto<\/td><td>&#x2705;<\/td><\/tr><tr><td>Collision<\/td><td>&#x274c;<\/td><\/tr><tr><td>Comprehensive<\/td><td>&#x274c;<\/td><\/tr><tr><td>Home Insurance<\/td><td>&#x274c;<\/td><\/tr><tr><td>Life Insurance<\/td><td>&#x274c;<\/td><\/tr><tr><td>Mortgage Insurance<\/td><td>&#x274c;<\/td><\/tr><tr><td>WSIB\uff08\u90e8\u5206\u96c7\u4e3b\uff09<\/td><td>&#x2705;<\/td><\/tr><tr><td>Professional E&amp;O\uff08\u67d0\u4e9b\u804c\u4e1a\uff09<\/td><td>&#x2705;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">Your Responsibilities<\/mark><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u5fc5\u5b66\u7684 8 \u5927\u8d23\u4efb<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1. Duty of Disclosure\uff08\u5982\u5b9e\u544a\u77e5\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u91cd\u8981\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88ab\u4fdd\u9669\u4eba\u5fc5\u987b\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">disclose all material facts<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u91cd\u8981\u4e8b\u5b9e\u5fc5\u987b\u5982\u5b9e\u544a\u77e5<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f Material Fact\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4efb\u4f55\u4f1a\u5f71\u54cd insurer\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u662f\u5426\u627f\u4fdd<\/li>\n\n\n\n<li>\u4fdd\u8d39<\/li>\n\n\n\n<li>\u6761\u6b3e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7684\u4fe1\u606f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f8b\u5b50<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Auto<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6709 DUI<\/li>\n\n\n\n<li>\u5546\u4e1a\u7528\u9014<\/li>\n\n\n\n<li>\u4e3b\u8981\u9a7e\u9a76\u4eba\u6539\u53d8<\/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\">Property<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a7a\u7f6e\u623f\u5c4b<\/li>\n\n\n\n<li>\u8001\u65e7\u7535\u7ebf<\/li>\n\n\n\n<li>\u79df\u5ba2\u7ecf\u8425 business<\/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\">\u540e\u679c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c misrepresentation\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u53ef\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>deny claim<\/li>\n\n\n\n<li>void policy ab initio\uff08\u89c6\u540c\u4ece\u672a\u751f\u6548\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\">\u9ad8\u9891\u9677\u9631<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u201c\u6ca1\u95ee\u5c31\u4e0d\u7528\u8bf4\uff1f\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u9519<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5c5e\u4e8e material fact\uff0c<br>insured \u4ecd\u6709 duty disclose\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2. Prompt Notice of Loss\uff08\u53ca\u65f6\u62a5\u6848\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\u4e8b\u6545\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u5fc5\u987b\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">promptly notify insurer<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5305\u62ec\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>accident<\/li>\n\n\n\n<li>theft<\/li>\n\n\n\n<li>fire<\/li>\n\n\n\n<li>lawsuit<\/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\">\u4e3a\u4ec0\u4e48\u91cd\u8981\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8c03\u67e5<\/li>\n\n\n\n<li>\u63a7\u5236\u635f\u5931<\/li>\n\n\n\n<li>\u9632\u6b62 fraud<\/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\">\u9ad8\u9891\u9677\u9631<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6545\u610f\u62d6\u5ef6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>prejudice insurer<\/li>\n\n\n\n<li>\u5bfc\u81f4\u62d2\u8d54<\/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\">3. Mitigate Damage\uff08\u9632\u6b62\u635f\u5931\u6269\u5927\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u6709\u8d23\u4efb\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">protect property from further damage<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f8b\u5b50<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c4b\u9876\u6f0f\u6c34\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e94\u8be5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tarp cover<\/li>\n\n\n\n<li>\u5173\u6c34<\/li>\n\n\n\n<li>\u4e34\u65f6\u4fee\u7406<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u653e\u7740\u7ee7\u7eed\u6ce1\u6c34<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u8003\u8bd5\u6838\u5fc3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u8d54\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">sudden loss<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">neglect afterwards<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4. Cooperate with Insurer\uff08\u914d\u5408\u8c03\u67e5\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u5fc5\u987b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u63d0\u4f9b\u6587\u4ef6<\/li>\n\n\n\n<li>\u914d\u5408\u8c03\u67e5<\/li>\n\n\n\n<li>statement under oath<\/li>\n\n\n\n<li>\u63d0\u4f9b proof of loss<\/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\">\u4e0d\u914d\u5408\u53ef\u80fd\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>claim denied<\/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\">5. Proof of Loss\uff08\u63d0\u4ea4\u635f\u5931\u8bc1\u660e\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\u63d0\u4f9b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u635f\u5931\u91d1\u989d<\/li>\n\n\n\n<li>damaged property<\/li>\n\n\n\n<li>receipts<\/li>\n\n\n\n<li>inventory<\/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\">\u5e38\u89c1\u8003\u8bd5\u70b9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Proof of loss\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">NOT the same as notice of loss<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u533a\u522b<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u7c7b\u578b<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>Notice of Loss<\/td><td>\u544a\u77e5\u53d1\u751f\u4e8b\u6545<\/td><\/tr><tr><td>Proof of Loss<\/td><td>\u8be6\u7ec6\u635f\u5931\u8bc1\u660e<\/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\">6. Insurable Interest\uff08\u53ef\u4fdd\u5229\u76ca\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u5fc5\u987b\u5bf9\u6807\u7684\u7269\u6709\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">financial interest<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5426\u5219\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u5408\u540c\u65e0\u6548\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f8b\u5b50<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u4e0d\u80fd\u7ed9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u90bb\u5c45\u623f\u5b50<\/li>\n\n\n\n<li>\u964c\u751f\u4eba\u6c7d\u8f66<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e70\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<br>\u4f60\u6ca1\u6709 financial loss exposure\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">7. Pay Premium\uff08\u652f\u4ed8\u4fdd\u8d39\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u4ea4\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cancellation<\/li>\n\n\n\n<li>lapse<\/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\">\u9ad8\u9891\u8003\u70b9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u4e0d\u7b49\u4e8e insurer\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f broker \u5fd8\u8bb0\u8f6c\u94b1\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u4ecd\u53ef\u80fd\u6709\u8d23\u4efb\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">8. Notify Material Change\uff08\u91cd\u5927\u53d8\u5316\u901a\u77e5\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">policy \u751f\u6548\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c risk materially changes\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insured \u5fc5\u987b\u901a\u77e5 insurer\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f8b\u5b50<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Auto<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f00 Uber<\/li>\n\n\n\n<li>\u65b0\u53f8\u673a<\/li>\n\n\n\n<li>\u6539\u5546\u4e1a\u7528\u9014<\/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\">Property<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u623f\u5c4b\u7a7a\u7f6e<\/li>\n\n\n\n<li>\u6539\u51fa\u79df<\/li>\n\n\n\n<li>\u88c5\u4fee<\/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\">\u9ad8\u9891\u9677\u9631<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Material Change \u2260 Minor Change<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u5173\u5fc3\u7684\u662f\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u662f\u5426\u589e\u52a0 risk<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u6700\u7231\u51fa\u7684 5 \u4e2a\u9677\u9631<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631 1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u201c\u4fdd\u9669\u516c\u53f8\u6ca1\u95ee\uff0c\u6240\u4ee5\u4e0d\u7528\u8bf4\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u9519<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Material fact \u4ecd\u987b disclose\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631 2<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u201c\u4e8b\u6545\u540e\u4e0d\u9700\u8981\u7ee7\u7eed\u4fdd\u62a4\u8d22\u4ea7\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u9519<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b mitigate loss\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631 3<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u201cNotice of loss = Proof of loss\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u9519<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e24\u4e2a\u4e0d\u540c\u9636\u6bb5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631 4<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u201c\u5c0f\u53d8\u5316\u4e0d\u7528\u901a\u77e5\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u952e\u4e0d\u662f\u5927\u5c0f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u662f\u5426\u5f71\u54cd\u98ce\u9669<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631 5<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u201c\u6545\u610f\u9690\u7792\u4e5f\u80fd\u7d22\u8d54\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fraud \/ concealment\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>void policy<\/li>\n\n\n\n<li>deny all claims<\/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\">\u8003\u573a\u8d85\u9ad8\u9891\u5173\u952e\u8bcd<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u770b\u5230\u8fd9\u4e9b\u8bcd\uff0c<br>\u7acb\u523b\u60f3\u5230 insured responsibility\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5173\u952e\u8bcd<\/th><th>\u5bf9\u5e94\u8d23\u4efb<\/th><\/tr><\/thead><tbody><tr><td>material fact<\/td><td>disclosure<\/td><\/tr><tr><td>delay reporting<\/td><td>notice<\/td><\/tr><tr><td>further damage<\/td><td>mitigate<\/td><\/tr><tr><td>cooperate<\/td><td>investigation<\/td><\/tr><tr><td>proof<\/td><td>documentation<\/td><\/tr><tr><td>change in risk<\/td><td>notify insurer<\/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\">\u8003\u524d\u7ec8\u6781\u53e3\u8bc0<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">D N M C P I P N<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u8bfb\uff1a\u8fea\u6069\u59c6\u897f\u76ae\u6f58\uff09<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5b57\u6bcd<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>D<\/td><td>Disclosure<\/td><\/tr><tr><td>N<\/td><td>Notice of Loss<\/td><\/tr><tr><td>M<\/td><td>Mitigate Damage<\/td><\/tr><tr><td>C<\/td><td>Cooperate<\/td><\/tr><tr><td>P<\/td><td>Proof of Loss<\/td><\/tr><tr><td>I<\/td><td>Insurable Interest<\/td><\/tr><tr><td>P<\/td><td>Pay Premium<\/td><\/tr><tr><td>N<\/td><td>Notify Material Change<\/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\">\u4e00\u53e5\u8bdd\u603b\u7ed3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u7684 \u201cYour Responsibilities\u201d \u672c\u8d28\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u88ab\u4fdd\u9669\u4eba\u5fc5\u987b\u8bda\u5b9e\u3001\u53ca\u65f6\u3001\u914d\u5408\uff0c\u5e76\u9632\u6b62\u635f\u5931\u6269\u5927\u3002<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21095\" class=\"pvc_stats all  \" data-element-id=\"21095\" 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>\u5728 RIBO Level 1 \u91cc\uff0c\u201cWhat Insurance is Required by Law\u201d \u662f\u6cd5\u89c4\u7c7b\u9ad8\u9891\u8003\u70b9\u3002\u6838\u5fc3\u4e0d\u662f\u8ba9\u4f60\u80cc\u6240\u6709\u4fdd\u9669\uff0c\u800c\u662f\u8981\u77e5\u9053\uff1a \u4f60\u9700\u8981\u638c\u63e1\u4ee5\u4e0b 6 \u5927\u91cd\u70b9\uff1a 1. Automobile Insurance\uff08\u6c7d\u8f66\u4fdd\u9669\uff09\u2014 \u6700\u91cd\u8981 \u5728 Ontario\uff1a \u53ea\u8981\u8f66\u8f86\u4e0a\u8def\uff0c\u6cd5\u5f8b\u5f3a\u5236\u5fc5\u987b\u6709 Auto Insurance\u3002 \u4f9d\u636e\uff1a \u5fc5\u987b\u81f3\u5c11\u5305\u62ec\uff1a \u5fc5\u987b\u4fdd\u969c \u4f5c\u7528 Third Party Liability \u8d54\u522b\u4eba Accident Benefits (AB) \u8d54\u81ea\u5df1\u53d7\u4f24 DCPD\uff08\u73b0\u5728\u90e8\u5206\u6539\u5236\uff09 \u81ea\u5df1\u8f66\u635f Uninsured Automobile \u5bf9\u65b9\u6ca1\u4fdd\u9669 \u6cd5\u5f8b\u6700\u4f4e Liability Limit \u5b89\u7701\u6700\u4f4e\uff1a $200,000 \u4f46\u5e02\u573a\u6807\u51c6\u901a\u5e38\uff1a \u8003\u8bd5\u7231\u8003\uff1a \u201c\u6cd5\u5f8b\u6700\u4f4e\u201d \u2260 \u201c\u5efa\u8bae\u8d2d\u4e70\u91d1\u989d\u201d \u9ad8\u9891\u9677\u9631 \u9677\u9631 1 \u94f6\u884c\u8981\u6c42\u4e70\u8f66\u9669\uff1a &#x274c; &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21095\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aWhat Insurance is Required by Law&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21095\" class=\"pvc_stats all  \" data-element-id=\"21095\" 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":[157,156],"class_list":["post-21095","post","type-post","status-publish","format-standard","hentry","category-155","tag-ribo","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\/21095","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=21095"}],"version-history":[{"count":3,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21095\/revisions"}],"predecessor-version":[{"id":21098,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21095\/revisions\/21098"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21095"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}