{"id":21133,"date":"2026-06-15T03:36:25","date_gmt":"2026-06-15T03:36:25","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21133"},"modified":"2026-06-15T03:36:25","modified_gmt":"2026-06-15T03:36:25","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aribo-section-7-loss-or-damage-coverages-optional","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21133","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aRIBO Section 7 \u2014 Loss or Damage Coverages (Optional)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Section 7 \u662f OAP 1 \u4e2d\u6700\u91cd\u8981\u7684\u7ae0\u8282\u4e4b\u4e00\uff0c\u4e3b\u8981\u8bb2 <strong>\u53ef\u9009\u7684\u8f66\u8f86\u635f\u5931\u4fdd\u969c\uff08Optional Physical Damage Coverages\uff09<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u51e0\u4e4e\u6bcf\u5957\u90fd\u4f1a\u8003 2\uff5e5 \u9898\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Section 7 \u56db\u5927\u4fdd\u969c<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Coverage<\/th><th>\u4fdd\u4ec0\u4e48<\/th><th>\u662f\u5426\u6700\u5e7f<\/th><\/tr><\/thead><tbody><tr><td>Collision or Upset<\/td><td>\u78b0\u649e\u3001\u7ffb\u8f66<\/td><td>\u5426<\/td><\/tr><tr><td>Comprehensive<\/td><td>\u975e\u78b0\u649e\u635f\u5931<\/td><td>\u5426<\/td><\/tr><tr><td>Specified Perils<\/td><td>\u6307\u5b9a\u5371\u9669<\/td><td>\u6700\u7a84<\/td><\/tr><tr><td>All Perils<\/td><td>Collision + Comprehensive + Theft by household member<\/td><td>\u6700\u5e7f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\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\"><strong>C \u2192 C \u2192 S \u2192 A<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Collision \u2192 Comprehensive \u2192 Specified Perils \u2192 All Perils<\/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\">1. Collision or Upset<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8f66\u8f86\u4e0e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53e6\u4e00\u8f86\u8f66<\/li>\n\n\n\n<li>\u5899<\/li>\n\n\n\n<li>\u6811<\/li>\n\n\n\n<li>\u7535\u7ebf\u6746<\/li>\n\n\n\n<li>\u8def\u8fb9\u77f3<\/li>\n\n\n\n<li>\u7ffb\u8f66\uff08Upset\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9020\u6210\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u649e\u6811<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u649e\u5899<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u649e\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u7ffb\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Hit-and-run<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u4e0d\u77e5\u9053\u5bf9\u65b9\u662f\u8c01\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u4fdd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u706b\u707e<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u5077\u76d7<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u51b0\u96f9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u843d\u7269<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u901a\u5e38\u6709 Deductible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$500<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2. Comprehensive<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u78b0\u649e\u4e4b\u5916\u7684\u5927\u591a\u6570\u635f\u5931\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Covered<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Fire<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u706b\u707e<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Theft<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u5077\u76d7<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Vandalism<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u6076\u610f\u7834\u574f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Falling Objects<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u5760\u7269<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Windstorm<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u98ce\u66b4<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Hail<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u51b0\u96f9<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Flood<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d2a\u6c34<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Explosion<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u7206\u70b8<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Riot<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u9a9a\u4e71<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lightning<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u96f7\u51fb<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Glass Breakage<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u73bb\u7483\u7834\u635f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Animal Contact<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u649e\u52a8\u7269<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u4fdd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u649e\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u649e\u5899<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u7ffb\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u5c5e\u4e8e Collision\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u901a\u5e38\u6709 Deductible<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3. Specified Perils<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u7231\u8003\u5b9a\u4e49\u7684\u4e00\u9879\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8d54\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e03\u79cd\u5371\u9669<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Fire<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Theft or Attempted Theft<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Lightning<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Windstorm<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Earthquake<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Explosion<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Rising Water<\/h4>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FTLW EER<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">(Fire, Theft, Lightning, Windstorm, Earthquake, Explosion, Rising Water)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u8d54<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Vandalism<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Hail<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Falling Objects<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Riot<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u6700\u7a84\u4fdd\u969c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u8d39\u6700\u4fbf\u5b9c\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. All Perils\uff08\u6700\u5e7f\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">All Perils =<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Theft by household member or employee<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u8fd9\u662f\u8003\u8bd5\u6700\u7231\u51fa\u7684\u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u666e\u901a Theft\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive \u4fdd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5bb6\u5ead\u6210\u5458\u5077\u8f66<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u513f\u5b50\u5077\u7238\u7238\u7684\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All Perils\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u5458\u5de5\u5077\u8f66<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All Perils\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u6700\u5e7f\u4fdd\u969c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Premium \u6700\u9ad8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u56db\u79cd Coverage \u5bf9\u6bd4\uff08\u8d85\u7ea7\u5fc5\u80cc\uff09<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Loss<\/th><th>Collision<\/th><th>Comprehensive<\/th><th>Specified Perils<\/th><th>All Perils<\/th><\/tr><\/thead><tbody><tr><td>\u649e\u8f66<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>\u649e\u6811<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>\u7ffb\u8f66<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>Fire<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Theft<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Lightning<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Windstorm<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Explosion<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Earthquake<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Rising Water<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Vandalism<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>Hail<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>Falling Objects<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>Riot<\/td><td>\u00d7<\/td><td>\u2713<\/td><td>\u00d7<\/td><td>\u2713<\/td><\/tr><tr><td>Household Member Theft<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u00d7<\/td><td>\u2713<\/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\">Deductible<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Coverage<\/th><th>Deductible<\/th><\/tr><\/thead><tbody><tr><td>Collision<\/td><td>\u6709<\/td><\/tr><tr><td>Comprehensive<\/td><td>\u6709<\/td><\/tr><tr><td>Specified Perils<\/td><td>\u6709<\/td><\/tr><tr><td>All Perils<\/td><td>\u6709<\/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\">Total Loss<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u539f\u5219\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Actual Cash Value (ACV)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ACV\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$25,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deductible\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$500<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$24,500<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u9677\u9631\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 \u649e\u6811\u5c5e\u4e8e\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Specified Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. DCPD<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 \u51b0\u96f9\u5c5e\u4e8e\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Specified Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2462 Vandalism \u5c5e\u4e8e\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Specified Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. DCPD<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2463 \u5bb6\u5ead\u6210\u5458\u5077\u8f66<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u4e2a\u4fdd\u969c\u8d54\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Specified Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. All Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; D<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2464 \u6700\u5e7f\u4fdd\u969c\u662f\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Specified Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. All Perils<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; D<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u79d2\u6740\u53e3\u8bc0<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Collision<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u649e\u4ec0\u4e48\u8d54\u4ec0\u4e48<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u9664\u78b0\u649e\u5916\u5927\u90e8\u5206\u5371\u9669<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Specified Perils<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u53ea\u8d54\u4e03\u79cd\u6307\u5b9a\u5371\u9669<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">All Perils<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Collision + Comprehensive + Household Theft<\/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\">RIBO Level 1 \u8003\u8bd5\u4e2d\uff0cSection 7 \u6700\u5bb9\u6613\u4e0e\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Section 6\uff08DCPD\uff09<\/li>\n\n\n\n<li>Deductible<\/li>\n\n\n\n<li>Actual Cash Value\uff08ACV\uff09<\/li>\n\n\n\n<li>Total Loss<\/li>\n\n\n\n<li>OPCF endorsements<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6df7\u5408\u51fa\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u4e2d <strong>Collision vs Comprehensive vs Specified Perils vs All Perils \u7684\u5224\u65ad\u9898<\/strong> \u51e0\u4e4e\u662f\u5fc5\u8003\u5185\u5bb9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7.2Loss or Damage We Won&#8217;t Cover<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO Section 7.2 \u2014 <strong>Loss or Damage We Won&#8217;t Cover<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u8f66\u8f86\u635f\u5931\u4fdd\u969c\u4e0d\u8d54\u4ec0\u4e48\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u8282\u5c5e\u4e8e <strong>Section 7\uff08Optional Physical Damage Coverages\uff09<\/strong> \u4e2d\u975e\u5e38\u7231\u51fa\u5224\u65ad\u9898\u548c\u9677\u9631\u9898\u7684\u90e8\u5206\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u8003\u7684\u662f\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\">\u5373\u4f7f\u8d2d\u4e70\u4e86 Collision\u3001Comprehensive\u3001Specified Perils \u6216 All Perils\uff0c\u4e5f\u6709\u54ea\u4e9b\u635f\u5931\u4fdd\u9669\u516c\u53f8\u4e0d\u8d54\u3002<\/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\">\u4e00\u3001Wear and Tear\uff08\u6b63\u5e38\u78e8\u635f\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u4e0d\u662f\u4fdd\u517b\u5408\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u8d54<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f6e\u80ce\u78e8\u635f<\/li>\n\n\n\n<li>\u5239\u8f66\u7247\u78e8\u635f<\/li>\n\n\n\n<li>\u53d1\u52a8\u673a\u8001\u5316<\/li>\n\n\n\n<li>\u751f\u9508<\/li>\n\n\n\n<li>\u8150\u8680<\/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\">\u4f8b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u4f7f\u7528 10 \u5e74\u540e\u53d1\u52a8\u673a\u635f\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5c5e\u4e8e\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\">Wear and Tear<\/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\">\u4e8c\u3001Mechanical Breakdown\uff08\u673a\u68b0\u6545\u969c\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u8d54<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transmission \u574f\u4e86<\/li>\n\n\n\n<li>Engine failure<\/li>\n\n\n\n<li>Gearbox \u574f\u4e86<\/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\">\u4f8b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d8\u901f\u7bb1\u7a81\u7136\u574f\u6389\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\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\">Mechanical Breakdown<\/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\">\u4e09\u3001Electrical Breakdown\uff08\u7535\u5668\u6545\u969c\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u8d54<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7535\u6c60\u5931\u6548<\/li>\n\n\n\n<li>\u53d1\u7535\u673a\u6545\u969c<\/li>\n\n\n\n<li>\u7535\u8def\u635f\u574f<\/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\">\u4f8b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Starter motor \u574f\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u56db\u3001Tire Damage\uff08\u5355\u7eaf\u8f6e\u80ce\u635f\u574f\uff09<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u5355\u72ec\u8f6e\u80ce\u7206\u88c2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u56e0\u4e3a\u78b0\u649e\u5bfc\u81f4\u8f6e\u80ce\u635f\u574f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u649e\u8f66\u540e\u8f6e\u80ce\u7834\u88c2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Collision \u53ef\u4ee5\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e94\u3001Freezing\uff08\u51bb\u7ed3\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u51bb\u7ed3\u9020\u6210\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u4e0d\u8d54\u3002<\/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>\u51b7\u5374\u6db2\u51bb\u7ed3<\/li>\n\n\n\n<li>\u6c34\u7bb1\u51bb\u88c2<\/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\">\u516d\u3001Damage to Contents\uff08\u90e8\u5206\u8d22\u7269\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8f66\u5185\u8d22\u7269\u4e0d\u4e00\u5b9a\u90fd\u5c5e\u4e8e\u8f66\u8f86\u635f\u5931\u4fdd\u969c\u3002<\/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>\u624b\u673a<\/li>\n\n\n\n<li>\u8863\u670d<\/li>\n\n\n\n<li>\u884c\u674e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Homeowners Policy<\/li>\n\n\n\n<li>Tenant Policy<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e03\u3001War<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6218\u4e89\u9020\u6210\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u516b\u3001Nuclear Hazard<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6838\u4e8b\u6545\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e5d\u3001Confiscation by Government<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u653f\u5e9c\u6ca1\u6536\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5341\u3001Conversion \/ Theft by Person in Lawful Possession\uff08\u8d85\u7ea7\u9ad8\u9891\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u6700\u7231\u8003\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u628a\u8f66\u501f\u7ed9\u670b\u53cb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670b\u53cb\u4e0d\u8fd8\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6216\u8005\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u79df\u8f66\u7ed9\u522b\u4eba\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u65b9\u636e\u4e3a\u5df1\u6709\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5bf9\u65b9\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u539f\u672c\u5408\u6cd5\u62e5\u6709\u8f66\u8f86<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\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\">Conversion<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">All Perils<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u8d54\u507f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u975e\u5e38\u7ecf\u5178\u7684\u9677\u9631\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5341\u4e00\u3001Illegal Use<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8fdd\u6cd5\u6d3b\u52a8\u4e2d\u53d1\u751f\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u62d2\u8d54\u3002<\/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>\u8fd0\u6bd2<\/li>\n\n\n\n<li>\u72af\u7f6a\u9003\u9038<\/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\">\u5341\u4e8c\u3001Intentional Damage\uff08\u6545\u610f\u884c\u4e3a\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u6545\u610f\u70e7\u8f66\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5341\u4e09\u3001Depreciation<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8f66\u8f86\u8d2c\u503c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fee\u5b8c\u540e\u5e02\u573a\u4ef7\u503c\u4e0b\u964d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u8d54\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\">Diminution in value<\/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\">\u9ad8\u9891\u6bd4\u8f83<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u635f\u5931<\/th><th>\u8d54\uff1f<\/th><\/tr><\/thead><tbody><tr><td>\u6b63\u5e38\u78e8\u635f<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u751f\u9508<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u673a\u68b0\u6545\u969c<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u7535\u5668\u6545\u969c<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u5355\u7eaf\u7206\u80ce<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u51bb\u7ed3<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u6218\u4e89<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u6838\u98ce\u9669<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u653f\u5e9c\u6ca1\u6536<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u8d2c\u503c<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u6545\u610f\u635f\u5931<\/td><td>&#x274c;<\/td><\/tr><tr><td>\u72af\u7f6a\u884c\u4e3a\u5bfc\u81f4\u635f\u5931<\/td><td>&#x274c;<\/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 \u9ad8\u9891\u9677\u9631\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Q1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Transmission failure \u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Comprehensive<\/p>\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\">C. Mechanical Breakdown<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Specified Perils<\/p>\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\">\u8f66\u8f86\u751f\u9508\u9020\u6210\u635f\u574f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Not Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/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\">\u6c7d\u8f66\u5e02\u573a\u4ef7\u503c\u4e0b\u964d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Not Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Q4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6218\u4e89\u5bfc\u81f4\u8f66\u8f86\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Not Covered<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Q5\uff08\u8d85\u7ea7\u7231\u8003\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u670b\u53cb\u501f\u8f66\u540e\u62d2\u7edd\u5f52\u8fd8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Theft<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Collision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Conversion<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Fire<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u8003\u573a\u8bb0\u5fc6\u53e3\u8bc0<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">W M E T F W N C I D<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Wear and Tear\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Mechanical Breakdown\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Electrical Breakdown\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Tire Damage\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Freezing\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08War\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Nuclear Hazard\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Confiscation\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Illegal Acts\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Depreciation\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\u53e5\u8bdd\u603b\u7ed3<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u4fdd\u7684\u662f\u201c\u7a81\u7136\u3001\u5076\u7136\u7684\u635f\u5931\uff08Fortuitous Loss\uff09\u201d\uff0c\u800c\u4e0d\u662f\u78e8\u635f\u3001\u6545\u969c\u3001\u8d2c\u503c\u3001\u8fdd\u6cd5\u884c\u4e3a\u6216\u6545\u610f\u884c\u4e3a\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u8282\u867d\u7136\u8ba1\u7b97\u9898\u5f88\u5c11\uff0c\u4f46\u6bcf\u5e74\u90fd\u4f1a\u51fa\u73b0 2\uff5e3 \u9053\u5b9a\u4e49\u9677\u9631\u9898\uff0c\u5c24\u5176\u559c\u6b22\u4e0e <strong>Comprehensive\u3001All Perils \u548c Theft<\/strong> \u6df7\u5408\u8003\u5bdf\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21133\" class=\"pvc_stats all  \" data-element-id=\"21133\" 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>Section 7 \u662f OAP 1 \u4e2d\u6700\u91cd\u8981\u7684\u7ae0\u8282\u4e4b\u4e00\uff0c\u4e3b\u8981\u8bb2 \u53ef\u9009\u7684\u8f66\u8f86\u635f\u5931\u4fdd\u969c\uff08Optional Physical Damage Coverages\uff09\u3002 \u8003\u8bd5\u51e0\u4e4e\u6bcf\u5957\u90fd\u4f1a\u8003 2\uff5e5 \u9898\u3002 Section 7 \u56db\u5927\u4fdd\u969c Coverage \u4fdd\u4ec0\u4e48 \u662f\u5426\u6700\u5e7f Collision or Upset \u78b0\u649e\u3001\u7ffb\u8f66 \u5426 Comprehensive \u975e\u78b0\u649e\u635f\u5931 \u5426 Specified Perils \u6307\u5b9a\u5371\u9669 \u6700\u7a84 All Perils Collision + Comprehensive + Theft by household member \u6700\u5e7f \u53e3\u8bc0\uff1a C \u2192 C \u2192 S \u2192 A Collision \u2192 Comprehensive \u2192 Specified &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21133\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aRIBO Section 7 \u2014 Loss or Damage Coverages (Optional)&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21133\" class=\"pvc_stats all  \" data-element-id=\"21133\" 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-21133","post","type-post","status-publish","format-standard","hentry","category-155","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":0,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21133","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=21133"}],"version-history":[{"count":2,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21133\/revisions"}],"predecessor-version":[{"id":21135,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21133\/revisions\/21135"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21133"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}