{"id":21136,"date":"2026-06-16T03:01:08","date_gmt":"2026-06-16T03:01:08","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21136"},"modified":"2026-06-16T03:01:08","modified_gmt":"2026-06-16T03:01:08","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9a7-4-additional-benefits%ef%bc%88%e9%a2%9d%e5%a4%96%e5%88%a9%e7%9b%8a%ef%bc%89","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21136","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1a7.4 Additional Benefits\uff08\u989d\u5916\u5229\u76ca\uff09"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u90e8\u5206\u8bf4\u660e\uff1a<strong>\u9664\u4e86\u8d54\u507f\u8f66\u8f86\u635f\u5931\u5916\uff0c\u4fdd\u9669\u516c\u53f8\u8fd8\u4f1a\u63d0\u4f9b\u4e00\u4e9b\u9644\u5e26\u4fdd\u969c\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO Level 1 \u7ecf\u5e38\u8003\u6982\u5ff5\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\">1. Transportation Replacement\uff08\u4e34\u65f6\u4ee3\u6b65\u8d39\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u7684\u8f66\u56e0\u53d7\u4fdd\u4e8b\u6545\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u88ab\u76d7\uff08Theft\uff09<\/li>\n\n\n\n<li>\u53d1\u751f\u78b0\u649e\uff08Collision\uff09<\/li>\n\n\n\n<li>\u7ffb\u8f66\uff08Upset\uff09<\/li>\n\n\n\n<li>\u706b\u707e\u3001\u51b0\u96f9\u7b49\uff08Comprehensive\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bfc\u81f4\u4e0d\u80fd\u4f7f\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79df\u8f66\u8d39\u7528<\/li>\n\n\n\n<li>\u51fa\u79df\u8f66\u8d39\u7528<\/li>\n\n\n\n<li>\u516c\u5171\u4ea4\u901a\u8d39\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5fc5\u987b\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714; \u635f\u5931\u5c5e\u4e8e\u53d7\u4fdd\u98ce\u9669<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e76\u4e14\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714; \u8d39\u7528\u5fc5\u987b\u5408\u7406\uff08reasonable\uff09<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">&#x2714; \u4e0d\u8d85\u8fc7\u4fdd\u5355\u9650\u989d<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u8003\u8bd5\u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u9898\u76ee\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\">&#8220;\u8f66\u8f86\u6b63\u5728\u7ef4\u4fee\u671f\u95f4\uff0c\u88ab\u4fdd\u9669\u4eba\u79df\u8f66\uff0c\u4fdd\u9669\u516c\u53f8\u662f\u5426\u8d54\u507f\uff1f&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u53ea\u6709\u5728\u8f66\u8f86\u635f\u5931\u5c5e\u4e8e\u53d7\u4fdd\u4e8b\u6545\u65f6\u624d\u8d54\u3002<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u4efb\u4f55\u7ef4\u4fee\u90fd\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\">2. General Average\uff08\u5171\u540c\u6d77\u635f\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f RIBO \u5f88\u559c\u6b22\u51fa\u7684\u51b7\u95e8\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8f66\u8f86\u5728\u6d77\u8fd0\u8fc7\u7a0b\u4e2d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u62ef\u6551\u8239\u53ea\u548c\u8d27\u7269\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8239\u957f\u4e3b\u52a8\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u629b\u5f03\u90e8\u5206\u8d27\u7269\uff1b<\/li>\n\n\n\n<li>\u652f\u4ed8\u7d27\u6025\u8d39\u7528\uff1b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u6709\u8d27\u4e3b\u6309\u6bd4\u4f8b\u5171\u540c\u627f\u62c5\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u88ab\u4fdd\u9669\u4eba\u5e94\u627f\u62c5\u7684\u90e8\u5206\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\u5982\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u4ece\u6b27\u6d32\u8fd0\u5f80\u52a0\u62ff\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9014\u4e2d\u8239\u9047\u66b4\u98ce\u96e8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u4fdd\u4f4f\u6574\u8258\u8239\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8239\u957f\u629b\u5f03\u90e8\u5206\u8d27\u7269\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u4f60\u7684\u8f66\u6ca1\u574f\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u4ecd\u987b\u5206\u644a\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u90e8\u5206\u7531\u6c7d\u8f66\u4fdd\u9669\u627f\u62c5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3. Salvage Charges\uff08\u65bd\u6551\u8d39\u7528\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\u4e8b\u6545\u540e\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88ab\u4fdd\u9669\u4eba\u4e3a\u9632\u6b62\u635f\u5931\u6269\u5927\u800c\u4ea7\u751f\u7684\u5408\u7406\u8d39\u7528\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e8b\u6545\u540e\u62d6\u8f66<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d39\u7528\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u62d6\u79bb\u5371\u9669\u533a\u57df\uff1b<\/li>\n\n\n\n<li>\u9632\u6b62\u8fdb\u4e00\u6b65\u635f\u574f\uff1b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u5408\u7406\u8d39\u7528\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Salvage Charges<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u8003\u8bd5\u5173\u952e\u8bcd<\/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\">reasonable expenses incurred to protect the automobile from further loss<\/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\">4. Temporary Repairs\uff08\u4e34\u65f6\u4fee\u7406\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\u53d1\u751f\u540e\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u907f\u514d\u635f\u5931\u6269\u5927\u800c\u505a\u7684\u4e34\u65f6\u4fee\u7406\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u507f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6321\u98ce\u73bb\u7483\u7834\u88c2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5148\u8d34\u9632\u6c34\u819c\uff1b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8f66\u95e8\u635f\u574f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5148\u505a\u7b80\u5355\u56fa\u5b9a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u8d39\u7528\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Temporary Repairs<\/h3>\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\u8003\u70b9<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u8d54\u507f\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4e34\u65f6\u4ee3\u6b65\u8d39\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u5171\u540c\u6d77\u635f\uff08General Average\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; Salvage Charges<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; Temporary Repairs<\/p>\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\u9677\u9631\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Q1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8f66\u8f86\u56e0\u673a\u68b0\u6545\u969c\u9001\u4fee\uff0c\u8f66\u4e3b\u79df\u8f66\u4e00\u5468\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A.\u8d54<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B.\u4e0d\u8d54<\/strong><\/p>\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\">\u56e0\u4e3a\u673a\u68b0\u6545\u969c\u4e0d\u662f\u53d7\u4fdd\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\">Q2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\u540e\uff0c\u4e3a\u9632\u6b62\u96e8\u6c34\u8fdb\u5165\u8f66\u5185\uff0c\u8f66\u4e3b\u82b1 $300 \u505a\u4e34\u65f6\u906e\u76d6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. \u8d54\u507f\u5408\u7406\u8d39\u7528<\/p>\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\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Temporary Repairs<\/h3>\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\u6d77\u8fd0\u9014\u4e2d\u53d1\u751f\u5171\u540c\u6d77\u635f\uff0c\u8f66\u4e3b\u9700\u627f\u62c5\u90e8\u5206\u8d39\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. \u8d54\u507f<\/p>\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\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">General Average<\/h3>\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\u8bb0\u5fc6\uff08\u8003\u8bd5\u53e3\u8bc0\uff09<\/h1>\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>&#8220;Repair, Rental, Rescue, and General Average.&#8221;<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e34\u65f6\u4ee3\u6b65 + \u4e34\u65f6\u4fee\u7406 + \u65bd\u6551\u8d39\u7528 + \u5171\u540c\u6d77\u635f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u56db\u9879\u5c31\u662f <strong>Section 7.4 Additional Benefits<\/strong> \u7684\u6838\u5fc3\u5185\u5bb9\uff0c\u4e5f\u662f RIBO Level 1 \u6700\u5e38\u8003\u7684\u5185\u5bb9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7.4.3 Temporary Substitute Automobile Covered\uff08\u4e34\u65f6\u4ee3\u66ff\u8f66\u8f86\u4fdd\u969c\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f <strong>Section 7\uff08Loss or Damage Coverages\uff09<\/strong> \u91cc\u975e\u5e38\u559c\u6b22\u8003\u7684\u4e00\u4e2a\u77e5\u8bc6\u70b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6838\u5fc3\u601d\u60f3\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>\u5982\u679c\u4f60\u7684\u8f66\u56e0\u4e3a\u7ef4\u4fee\u3001\u4fdd\u517b\u3001\u635f\u574f\u3001\u4e22\u5931\u6216\u62a5\u5e9f\u800c\u65e0\u6cd5\u4f7f\u7528\uff0c\u4f60\u4e34\u65f6\u501f\u6765\u6216\u79df\u6765\u7684\u8f66\uff0c\u53ef\u4ee5\u81ea\u52a8\u83b7\u5f97\u4e0e\u4f60\u539f\u8f66\u76f8\u540c\u7684\u635f\u5931\u4fdd\u969c\u3002<\/strong><\/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\">\u4ec0\u4e48\u662f Temporary Substitute Automobile\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6307\u7684\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684 insured automobile\uff08\u5df2\u6295\u4fdd\u8f66\u8f86\uff09\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Breakdown\uff08\u6545\u969c\uff09<\/li>\n\n\n\n<li>Repair\uff08\u7ef4\u4fee\uff09<\/li>\n\n\n\n<li>Servicing\uff08\u4fdd\u517b\uff09<\/li>\n\n\n\n<li>Loss\uff08\u4e22\u5931\uff09<\/li>\n\n\n\n<li>Destruction\uff08\u62a5\u5e9f\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u4f7f\u7528\u65f6\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u4e34\u65f6\u4f7f\u7528\u53e6\u4e00\u8f86\u8f66\u4ee3\u66ff\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>\u4f60\u7684\u8f66\u5728\u4fee\u7406\u5382\u7ef4\u4fee<\/li>\n\n\n\n<li>\u4f60\u5411\u670b\u53cb\u501f\u8f66\u4e00\u5468<\/li>\n\n\n\n<li>\u4f60\u79df\u8f66\u4e09\u5929<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u8f86\u8f66\u5c31\u53ef\u80fd\u6210\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Temporary Substitute Automobile<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u81ea\u52a8\u83b7\u5f97\u4ec0\u4e48\u4fdd\u969c\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u7684\u539f\u8f66\u8d2d\u4e70\u4e86\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\u4ee3\u66ff\u8f66\u4e5f\u6709 Collision\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u539f\u8f66\u6709\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee3\u66ff\u8f66\u4e5f\u6709 Comprehensive\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u539f\u8f66\u6709\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">All Perils<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee3\u66ff\u8f66\u4e5f\u6709 All Perils\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\u53e3\u8bc0<\/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\">Original Car Coverage = Temporary Substitute Coverage<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u8f66\u6709\u4ec0\u4e48\u4fdd\u969c\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee3\u66ff\u8f66\u5c31\u6709\u4ec0\u4e48\u4fdd\u969c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Deductible \u4e5f\u8ddf\u7740\u8d70<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u8003\u9898\u4e13\u95e8\u8003\u8fd9\u4e00\u70b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u8f66\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collision Deductible = $500<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e34\u65f6\u4ee3\u66ff\u8f66\u53d1\u751f\u78b0\u649e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u65f6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ecd\u7136\u9002\u7528<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">$500 Deductible<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e0d\u5305\u62ec\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u91cd\u8981\u7684\u9650\u5236\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee3\u66ff\u8f66\u5fc5\u987b\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Temporary\uff08\u4e34\u65f6\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u957f\u671f\u66ff\u4ee3\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\">&#x2714; \u8f66\u9001\u4fee\u4e09\u5929\uff0c\u79df\u8f66\u4e09\u5929<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e Temporary Substitute<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u2718 \u539f\u8f66\u5356\u6389\u540e\u4e70\u53e6\u4e00\u8f86\u8f66\u957f\u671f\u4f7f\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f Temporary Substitute<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Newly Acquired Automobile<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u65b0\u8d2d\u8f66\u8f86\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u53e6\u4e00\u5957\u89c4\u5219\u3002<\/p>\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\u8003\u7684\u9677\u9631<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Q1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f20\u5148\u751f\u8d2d\u4e70\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\">\u4ed6\u7684\u8f66\u9001\u4fee\u4e00\u5468\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ed6\u79df\u8f66\u4e00\u5468\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u79df\u8f66\u88ab\u51b0\u96f9\u7838\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79df\u8f66\u5c5e\u4e8e Temporary Substitute Automobile<\/li>\n\n\n\n<li>\u539f\u8f66\u6709 Comprehensive<\/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\">Q2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f20\u5148\u751f\u53ea\u6709 Liability Coverage\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u79df\u6765\u7684\u4ee3\u66ff\u8f66\u53d1\u751f\u78b0\u649e\u635f\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u8f66\u6ca1\u6709\u8d2d\u4e70 Collision\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee3\u66ff\u8f66\u4e0d\u4f1a\u81ea\u52a8\u589e\u52a0\u4fdd\u969c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Q3\uff08\u9ad8\u9891\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u8f66\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Collision Deductible = $1,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u79df\u8f66\u671f\u95f4\u53d1\u751f\u78b0\u649e\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$8,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u4ed8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$8,000 \u2212 $1,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= $7,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u4fdd\u9669\u516c\u53f8\u8d54 $7,000<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e0e Newly Acquired Automobile \u7684\u533a\u522b<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Temporary Substitute<\/th><th>Newly Acquired Automobile<\/th><\/tr><\/thead><tbody><tr><td>\u4e34\u65f6\u4f7f\u7528<\/td><td>\u65b0\u4e70\u8f66\u8f86<\/td><\/tr><tr><td>\u539f\u8f66\u4ecd\u5b58\u5728<\/td><td>\u539f\u8f66\u88ab\u66ff\u6362<\/td><\/tr><tr><td>\u4fdd\u969c\u6682\u65f6\u8f6c\u79fb<\/td><td>\u4fdd\u969c\u8f6c\u5230\u65b0\u8f66<\/td><\/tr><tr><td>\u4fee\u7406\u5382\u79df\u8f66\u6700\u5e38\u89c1<\/td><td>\u4e70\u65b0\u8f66\u6700\u5e38\u89c1<\/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\u573a\u79d2\u6740\u8bb0\u5fc6<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u770b\u5230\u9898\u76ee\u51fa\u73b0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>My car is being repaired<\/li>\n\n\n\n<li>My vehicle is in the shop<\/li>\n\n\n\n<li>Borrowed a friend&#8217;s car<\/li>\n\n\n\n<li>Rental car while my car is repaired<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7acb\u523b\u60f3\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>Temporary Substitute Automobile<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u540e\u95ee\u81ea\u5df1\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u539f\u8f66\u4e70\u4e86\u4ec0\u4e48 Coverage\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\u901a\u5e38\u5c31\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Temporary Substitute Automobile \u62e5\u6709\u4ec0\u4e48 Coverage\u3002<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f RIBO Level 1 \u5173\u4e8e Section 7.4.3 \u6700\u5e38\u89c1\u3001\u6700\u5bb9\u6613\u62ff\u5206\u7684\u4e00\u7c7b\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u5bb6\u4eba\u7684\u8f66 \uff0c\u662f\u53d7\u54ea\u4e2a\u4fdd\u5462\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f <strong>RIBO Level 1 \u975e\u5e38\u7231\u8003\u7684\u9677\u9631\u9898<\/strong>\uff0c\u7b54\u6848\u53d6\u51b3\u4e8e\u4f60\u4e3a\u4ec0\u4e48\u5f00\u5bb6\u4eba\u7684\u8f66\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u60c5\u51b5\u4e00\uff1a\u5076\u5c14\u4f7f\u7528\u5bb6\u4eba\u7684\u8f66<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f00\u7236\u4eb2\u7684\u8f66\u53bb\u4e70\u83dc\uff1b<\/li>\n\n\n\n<li>\u5076\u5c14\u5f00\u914d\u5076\u7684\u8f66\uff1b<\/li>\n\n\n\n<li>\u501f\u513f\u5b50\u7684\u8f66\u51fa\u53bb\u529e\u4e8b\uff1b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u969c\u9996\u5148\u6765\u81ea\uff1a<\/h3>\n\n\n\n<h1 class=\"wp-block-heading\">\u8f66\uff08Vehicle\uff09\u7684\u4fdd\u5355<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u4e0d\u662f\u4eba\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\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>Insurance follows the automobile\uff08\u4fdd\u9669\u8ddf\u8f66\u8d70\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7236\u4eb2\u7684\u8f66\u6709\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability $1,000,000<\/li>\n\n\n\n<li>Collision<\/li>\n\n\n\n<li>Comprehensive<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u5f97\u5230\u7684\u4e5f\u662f\u8fd9\u4e9b\u4fdd\u969c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u524d\u63d0\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u5f97\u5230\u8f66\u4e3b\u5141\u8bb8\uff08with consent\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u60c5\u51b5\u4e8c\uff1a\u81ea\u5df1\u7684\u8f66\u5728\u7ef4\u4fee\uff0c\u4e34\u65f6\u4f7f\u7528\u5bb6\u4eba\u7684\u8f66<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684\u8f66\u9001\u4fee\u4e00\u5468\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u501f\u59bb\u5b50\u7684\u8f66\u4ee3\u6b65\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b64\u65f6\u8981\u770b\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8fd9\u8f86\u8f66\u662f\u5426\u5c5e\u4e8e Temporary Substitute Automobile\u3002<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u7b26\u5408\u6761\u4ef6\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\">\u4f60\u7684\u4fdd\u5355\u4f1a\u628a\u539f\u8f66\u7684\u4fdd\u969c\u5ef6\u4f38\u5230\u8fd9\u8f86\u4e34\u65f6\u4ee3\u66ff\u8f66\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\u53ef\u80fd\u51fa\u73b0\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e24\u5f20\u4fdd\u5355\u540c\u65f6\u6d89\u53ca<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\u2460 \u5bb6\u4eba\u7684\u8f66\u81ea\u5df1\u7684\u4fdd\u5355<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Primary\uff09<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2461 \u4f60\u7684\u4fdd\u5355<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Temporary Substitute Automobile\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u60c5\u51b5\u4e09\uff1a\u7ecf\u5e38\u4f7f\u7528\u5bb6\u4eba\u7684\u8f66<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u513f\u5b50\u7684\u8f66\u767b\u8bb0\u5728\u513f\u5b50\u540d\u4e0b\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u7236\u4eb2\u6bcf\u5929\u5f00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6216\u8005\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e08\u592b\u6bcf\u5929\u5f00\u59bb\u5b50\u7684\u8f66\u4e0a\u4e0b\u73ed\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u60c5\u51b5\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5fc5\u987b\u5217\u4e3a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Principal Driver<\/li>\n\n\n\n<li>Listed Driver<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5426\u5219\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Material Change in Risk<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u5bfc\u81f4\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Claim \u88ab\u62d2\uff1b<\/li>\n\n\n\n<li>\u4fdd\u5355\u53d6\u6d88\uff1b<\/li>\n\n\n\n<li>\u88ab\u8ba4\u5b9a\u4e3a misrepresentation\u3002<\/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\">RIBO \u6700\u7231\u8003\u7684\u4e00\u53e5\u8bdd<\/h1>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Insurance follows the automobile, not the driver.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u8ddf\u8f66\uff0c\u4e0d\u8ddf\u4eba\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9ad8\u9891\u8003\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Q1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">John \u5f97\u5230\u7236\u4eb2\u8bb8\u53ef\uff0c\u5076\u5c14\u5f00\u7236\u4eb2\u7684\u8f66\uff0c\u53d1\u751f\u78b0\u649e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8c01\u7684\u4fdd\u9669\u8d1f\u8d23\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. John&#8217;s \u4fdd\u5355<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Father&#8217;s \u4fdd\u5355<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. \u53cc\u65b9\u5e73\u5747\u627f\u62c5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. \u65e0\u4fdd\u9669<\/p>\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\">\u56e0\u4e3a\u4fdd\u9669\u8ddf\u8f66\u8d70\u3002<\/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\">John \u7684\u8f66\u5728\u4fee\u7406\u5382\u7ef4\u4fee\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ed6\u501f\u592a\u592a\u7684\u8f66\u4e09\u5929\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u501f\u6765\u7684\u8f66\u649e\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c John \u539f\u8f66\u6709 Collision\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8c01\u53ef\u80fd\u8d54\u507f\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u53ea\u6709\u592a\u592a\u7684\u4fdd\u5355<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. John \u7684\u4fdd\u5355\u53ef\u5ef6\u4f38\u5230\u4e34\u65f6\u4ee3\u66ff\u8f66<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. \u6ca1\u6709\u4fdd\u9669<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Assigned Risk Plan<\/p>\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\">\u56e0\u4e3a\u8fd9\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Temporary Substitute Automobile Covered\uff087.4.3\uff09<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u8003\u8bd5\u79d2\u6740\u53e3\u8bc0<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u666e\u901a\u501f\u5bb6\u4eba\u7684\u8f66<\/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\">\u770b\u8f66\u7684\u4fdd\u5355\uff08Insurance follows the car\uff09<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u5df1\u7684\u8f66\u574f\u4e86\uff0c\u4e34\u65f6\u501f\u5bb6\u4eba\u7684\u8f66<\/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\">\u770b\u81ea\u5df1\u7684\u4fdd\u5355\uff08Temporary Substitute Automobile\uff09<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4e24\u79cd\u5b8c\u5168\u4e0d\u540c\u7684\u8003\u70b9\uff0c\u4e5f\u662f RIBO \u6700\u5bb9\u6613\u8bbe\u9677\u9631\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e00\u4e2a\u66f4\u9ad8\u7ea7\u7684\u603b\u7ed3\uff1a<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u4f7f\u7528\u5bb6\u4eba\u7684\u8f66\u539f\u56e0<\/th><th>\u4e3b\u8981\u9002\u7528\u4fdd\u5355<\/th><\/tr><\/thead><tbody><tr><td>\u5076\u5c14\u501f\u7528<\/td><td>\u5bb6\u4eba\u7684\u8f66\u4fdd\u5355<\/td><\/tr><tr><td>\u81ea\u5df1\u7684\u8f66\u7ef4\u4fee\u671f\u95f4\u4e34\u65f6\u501f\u7528<\/td><td>\u81ea\u5df1\u7684\u4fdd\u5355\uff08Temporary Substitute\uff09\u53ef\u5ef6\u4f38<\/td><\/tr><tr><td>\u957f\u671f\u6bcf\u5929\u4f7f\u7528<\/td><td>\u5e94\u5217\u4e3a Principal Driver \u6216 Listed Driver<\/td><\/tr><tr><td>\u672a\u7ecf\u5141\u8bb8\u4f7f\u7528<\/td><td>\u901a\u5e38\u65e0\u4fdd\u969c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u8868\u51e0\u4e4e\u6db5\u76d6\u4e86 <strong>RIBO \u5173\u4e8e\u501f\u5bb6\u4eba\u8f66\u8f86\u7684\u6240\u6709\u8003\u70b9<\/strong>\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21136\" class=\"pvc_stats all  \" data-element-id=\"21136\" 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>\u8fd9\u4e00\u90e8\u5206\u8bf4\u660e\uff1a\u9664\u4e86\u8d54\u507f\u8f66\u8f86\u635f\u5931\u5916\uff0c\u4fdd\u9669\u516c\u53f8\u8fd8\u4f1a\u63d0\u4f9b\u4e00\u4e9b\u9644\u5e26\u4fdd\u969c\u3002 RIBO Level 1 \u7ecf\u5e38\u8003\u6982\u5ff5\u9898\u3002 1. Transportation Replacement\uff08\u4e34\u65f6\u4ee3\u6b65\u8d39\u7528\uff09 \u5982\u679c\u4f60\u7684\u8f66\u56e0\u53d7\u4fdd\u4e8b\u6545\uff1a \u5bfc\u81f4\u4e0d\u80fd\u4f7f\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\uff1a \u4f46\u5fc5\u987b\uff1a &#x2714; \u635f\u5931\u5c5e\u4e8e\u53d7\u4fdd\u98ce\u9669 \u5e76\u4e14\uff1a &#x2714; \u8d39\u7528\u5fc5\u987b\u5408\u7406\uff08reasonable\uff09 &#x2714; \u4e0d\u8d85\u8fc7\u4fdd\u5355\u9650\u989d \u8003\u8bd5\u9677\u9631 \u6709\u4e9b\u9898\u76ee\u4f1a\u95ee\uff1a &#8220;\u8f66\u8f86\u6b63\u5728\u7ef4\u4fee\u671f\u95f4\uff0c\u88ab\u4fdd\u9669\u4eba\u79df\u8f66\uff0c\u4fdd\u9669\u516c\u53f8\u662f\u5426\u8d54\u507f\uff1f&#8221; \u7b54\u6848\uff1a \u53ea\u6709\u5728\u8f66\u8f86\u635f\u5931\u5c5e\u4e8e\u53d7\u4fdd\u4e8b\u6545\u65f6\u624d\u8d54\u3002 \u4e0d\u662f\u4efb\u4f55\u7ef4\u4fee\u90fd\u8d54\u3002 2. General Average\uff08\u5171\u540c\u6d77\u635f\uff09 \u8fd9\u662f RIBO \u5f88\u559c\u6b22\u51fa\u7684\u51b7\u95e8\u9898\u3002 \u5982\u679c\u8f66\u8f86\u5728\u6d77\u8fd0\u8fc7\u7a0b\u4e2d\uff1a \u4e3a\u4e86\u62ef\u6551\u8239\u53ea\u548c\u8d27\u7269\uff0c \u8239\u957f\u4e3b\u52a8\uff1a \u6240\u6709\u8d27\u4e3b\u6309\u6bd4\u4f8b\u5171\u540c\u627f\u62c5\u635f\u5931\u3002 \u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u88ab\u4fdd\u9669\u4eba\u5e94\u627f\u62c5\u7684\u90e8\u5206\u3002 \u4f8b\u5982\uff1a \u6c7d\u8f66\u4ece\u6b27\u6d32\u8fd0\u5f80\u52a0\u62ff\u5927\u3002 \u9014\u4e2d\u8239\u9047\u66b4\u98ce\u96e8\u3002 \u4e3a\u4e86\u4fdd\u4f4f\u6574\u8258\u8239\uff1a \u8239\u957f\u629b\u5f03\u90e8\u5206\u8d27\u7269\u3002 \u5373\u4f7f\u4f60\u7684\u8f66\u6ca1\u574f\uff0c \u4f60\u4ecd\u987b\u5206\u644a\u635f\u5931\u3002 \u8fd9\u4e00\u90e8\u5206\u7531\u6c7d\u8f66\u4fdd\u9669\u627f\u62c5\u3002 3. Salvage Charges\uff08\u65bd\u6551\u8d39\u7528\uff09 \u53d1\u751f\u4e8b\u6545\u540e\uff0c \u88ab\u4fdd\u9669\u4eba\u4e3a\u9632\u6b62\u635f\u5931\u6269\u5927\u800c\u4ea7\u751f\u7684\u5408\u7406\u8d39\u7528\uff0c \u4fdd\u9669\u516c\u53f8\u4f1a\u8d54\u3002 \u4f8b\u5982\uff1a \u4e8b\u6545\u540e\u62d6\u8f66 \u8d39\u7528\uff1a \u8fd9\u4e9b\u5408\u7406\u8d39\u7528\u5c5e\u4e8e\uff1a Salvage Charges &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21136\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1a7.4 Additional Benefits\uff08\u989d\u5916\u5229\u76ca\uff09&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21136\" class=\"pvc_stats all  \" data-element-id=\"21136\" 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-21136","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\/21136","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=21136"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21136\/revisions"}],"predecessor-version":[{"id":21137,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21136\/revisions\/21137"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21136"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}