{"id":347,"date":"2022-09-29T06:03:13","date_gmt":"2022-09-29T12:03:13","guid":{"rendered":"https:\/\/www.transglobalpc.com\/blog\/?p=347"},"modified":"2023-01-04T11:56:23","modified_gmt":"2023-01-04T17:56:23","slug":"%e8%bd%a6%e5%ad%90%e5%81%9c%e5%9c%a8%e8%b7%af%e8%be%b9%e8%a2%ab%e6%92%9e%e4%ba%86%ef%bc%8c%e8%b0%81%e4%b9%b0%e5%8d%95","status":"publish","type":"post","link":"https:\/\/www.transglobalpc.com\/blog\/%e8%bd%a6%e5%ad%90%e5%81%9c%e5%9c%a8%e8%b7%af%e8%be%b9%e8%a2%ab%e6%92%9e%e4%ba%86%ef%bc%8c%e8%b0%81%e4%b9%b0%e5%8d%95\/","title":{"rendered":"\u5546\u4e1a\u4fdd\u9669\uff5c\u8f66\u5b50\u505c\u5728\u8def\u8fb9\u88ab\u649e\u4e86\uff0c\u8c01\u4e70\u5355?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.transglobalpc.com\/blog\/wp-content\/uploads\/2022\/09\/2-p-2-1024x683.jpg\" alt=\"\" class=\"wp-image-348\" srcset=\"https:\/\/www.transglobalpc.com\/blog\/wp-content\/uploads\/2022\/09\/2-p-2-1024x683.jpg 1024w, https:\/\/www.transglobalpc.com\/blog\/wp-content\/uploads\/2022\/09\/2-p-2-300x200.jpg 300w, https:\/\/www.transglobalpc.com\/blog\/wp-content\/uploads\/2022\/09\/2-p-2-768x512.jpg 768w, https:\/\/www.transglobalpc.com\/blog\/wp-content\/uploads\/2022\/09\/2-p-2.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5728\u7f8e\u56fd\uff0c\u5927\u5bb6\u6700\u9700\u8981\u7684\u5927\u6982\u9664\u4e86\u661f\u5df4\u514b\u5496\u5561\u3001\u73cd\u73e0\u5976\u8336\uff0c\u53e6\u4e00\u4e2a\u5c31\u662f\u8f66\u5b50\u4e86\uff0c\u751f\u6d3b\u5728\u7f8e\u56fd\u6ca1\u6709\u8f66\u5b50\u53ef\u4ee5\u8bf4\u662f\u201c\u5bf8\u6b65\u96be\u884c\u201d\u3002\u4fd7\u8bdd\u8bf4\u6709\u4eba\u7684\u5730\u65b9\u5c31\u6709\u6c5f\u6e56\uff0c\u6709\u8f66\u7684\u5730\u65b9\u5c31\u907f\u514d\u4e0d\u4e86\u4e00\u4e9b\u4e8b\u6545\uff0c\u90a3\u73b0\u5728\u6709\u4e2a\u95ee\u9898\uff0c\u5982\u679c\u8f66\u5b50\u505c\u5728\u8def\u8fb9\uff0c\u4eba\u4e0d\u5728\u573a\u7684\u60c5\u51b5\u4e0b\u88ab\u649e\u4e86\uff0c\u600e\u4e48\u529e\uff1f\u5927\u5bb6\u5982\u4f55\u53bb\u505a\u624d\u80fd\u6b63\u786e\u53c8\u6709\u6548\u5730\u7ef4\u62a4\u81ea\u8eab\u7684\u6743\u76ca\uff1f<\/p>\n\n\n\n<p>1 <strong>\u62a5\u8b66<\/strong><\/p>\n\n\n\n<p>\u53d1\u73b0\u505c\u5728\u8def\u8fb9\u7684\u8f66\u5b50\u88ab\u649e\uff0c\u8981\u505a\u7684\u7b2c\u4e00\u4ef6\u4e8b\u5c31\u662f\u62a5\u8b66\u3002\u8fd9\u6837\u505a\u7684\u597d\u5904\u662f\uff0c\u5982\u679c\u662fHIT&amp;RUN\uff08\u8087\u4e8b\u9003\u9038\uff09\uff0c\u8b66\u5bdf\u7684Report\u53ef\u4ee5\u786e\u4fdd\u4e8b\u6545\u7684\u771f\u5b9e\u6027\uff0c\u4e3a\u540e\u7eed\u7684\u4fdd\u9669\u7406\u8d54\u4ee5\u53ca\u8b66\u5bdf\u67e5\u627e\u8087\u4e8b\u8f66\u63d0\u4f9b\u4f9d\u636e\u3002\u7b2c\u4e8c\u4e2a\uff0c\u5982\u679c\u8087\u4e8b\u7684\u53f8\u673a\u5728\u649e\u8f66\u540e\u62a5\u8b66\uff0c\u9020\u6210\u88ab\u649e\u8f66\u8f86\u4e5f\u88ab\u62d6\u5230\u8b66\u5c40\uff0c\u62a5\u8b66\u53ef\u4ee5\u7b2c\u4e00\u65f6\u95f4\u786e\u5b9a\u8f66\u5b50\u7684\u53bb\u5411\u3002<\/p>\n\n\n\n<p>\u4e5f\u8981\u63d0\u9192\u5927\u5bb6\uff0c\u82e5\u662f\u5728\u534a\u591c\u8f66\u5b50\u505c\u5728\u8def\u8fb9\u88ab\u649e\uff0c\u8d77\u5e8a\u540e\u4f60\u53d1\u73b0\u8f66\u5b50\u4e0d\u89c1\u4e86\uff0c\u5176\u5b9e\u8981\u6ce8\u610f\u5730\u4e0a\u53ef\u80fd\u6709\u5199\u7740\u8b66\u5c40\u5e2e\u4f60\u7559\u4e0b\u7684\u8be2\u95ee\u7535\u8bdd\u3002\u53ef\u4ee5\u8d76\u7d27\u6253\u7535\u8bdd\u8be2\u95ee\u3002<\/p>\n\n\n\n<p>2 <strong>\u8054\u7edc\u4fdd\u9669\u516c\u53f8\u5907\u6848<\/strong><\/p>\n\n\n\n<p>\u62a5\u8b66\u540e\u8981\u8054\u7edc\u4fdd\u9669\u516c\u53f8\u5907\u6848\uff0c\u6b64\u65f6\uff0c\u4e00\u4e9b\u8f66\u9669\u7684\u529f\u6548\u548c\u597d\u5904\u5c31\u4f1a\u4f53\u73b0\u51fa\u6765\uff0c\u5927\u5bb6\u5728\u8d2d\u4e70\u8f66\u9669\u65f6\uff0c\u5efa\u8bae\u8003\u8651\u4ee5\u4e0b\u51e0\u79cd\u4fdd\u9669\uff1a<\/p>\n\n\n\n<p>1\uff09\u62d6\u8f66\u9669\u3002\u56e0\u4e3a\u8b66\u5bdf\u62d6\u8f66\u4ee5\u53ca\u8f66\u5b50\u505c\u653e\u8b66\u5c40\u505c\u8f66\u573a\u90fd\u4f1a\u4ea7\u751f\u8d39\u7528\uff0c\u518d\u6765\uff0c\u8f66\u5b50\u88ab\u62d6\u5230\u4fdd\u9669\u516c\u53f8\u6307\u5b9a\u7684\u4fee\u8f66\u5382\u6216\u5ba2\u4eba\u81ea\u9009\u4fee\u8f66\u5382\uff0c\u4e5f\u4f1a\u4ea7\u751f\u8d39\u7528\u3002\u8bb0\u5f97\u8981\u628a\u8fd9\u4e9b\u8d39\u7528\u7684\u5355\u636e\u6536\u96c6\u597d\uff0c\u4e4b\u540e\u518d\u4ea4\u7ed9\u4fdd\u9669\u516c\u53f8\u8fdb\u884c\u7406\u8d54\u3002&nbsp;<\/p>\n\n\n\n<p>2\uff09\u78b0\u649e\u9669\u3002\u53d1\u751f\u649e\u8f66\u65f6\uff0c\u4e0d\u7ba1\u8c01\u5bf9\u8c01\u9519\uff0c\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u652f\u4ed8\u4f60\u7684\u6c7d\u8f66\u4fee\u7406\u8d39\u7528\u3002\u4e0d\u8fc7\u5b9e\u9645\u8d54\u507f\u91d1\u989d\u662f\u4f9d\u6c7d\u8f66\u7684\u73b0\u91d1\u4ef7\u503c(actual cash value)\u800c\u5b9a\uff0c\u800c\u975e\u5168\u989d\u7684\u66ff\u6362\u4fee\u7406\u8d39(replacement cost) \uff1b\u800c\u4e14\u4fdd\u9669\u516c\u53f8\u662f\u5728\u6263\u9664\u4f60\u7684\u81ea\u4ed8\u989d(deductible)\u540e\uff0c\u624d\u4f1a\u8d54\u507f\u5269\u4e0b\u7684\u91d1\u989d\u3002\u53ef\u4f7f\u7528\u78b0\u649e\u9669\u7684\u72b6\u51b5\u662f\u5728\u8087\u4e8b\u5bf9\u65b9\u9003\u79bb\u73b0\u573a(Hit &amp; Run)\u65f6\u3002&nbsp;<\/p>\n\n\n\n<p>3\uff09UM\u9669\uff08\u65e0\u4fdd\u9669\u548c\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u4eba\u4fdd\u9669\uff09\u3002\u80fd\u4fdd\u5168\u9669\u80af\u5b9a\u662f\u6700\u597d\u7684\uff0c\u5982\u679c\u8f66\u5b50\u662f\u5168\u9669\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u5e2e\u5fd9\u628a\u8f66\u4fee\u597d\uff0c\u53ea\u662f\u9700\u8981\u627f\u62c5\u81ea\u4ed8\u989d\u3002\u4f46\u662f\uff0c\u82e5\u8087\u4e8b\u65b9\u6ca1\u6709\u6c7d\u8f66\u4fdd\u9669\uff0c\u6216\u662f\u4fdd\u9669\u4e0d\u8db3\uff0c\u4e3a\u4e86\u81ea\u4fdd\uff0c\u81f3\u5c11\u8981\u8d2d\u4e70\u8d23\u4efb\u9669\u4e0eUM\u9669\uff0c\u5982\u6b64\u4e00\u6765\uff0c\u4e0d\u7ba1\u662f\u81ea\u5df1\u649e\u4eba\u6216\u88ab\u4ed6\u4eba\u649e\uff0c\u90fd\u6709\u4fdd\u969c\u3002\u8bf7\u6ce8\u610f\uff1a\u53ef\u4f7f\u7528UM\u9669\u7684\u72b6\u51b5\u662f\u5728\u4f60\u88ab\u649e\uff0c\u4f46\u4f60\u77e5\u9053\u5bf9\u65b9\u662f\u8c01\uff0c\u53ea\u662f\u5bf9\u65b9\u6ca1\u6709\u4fdd\u9669\u3001\u6216\u4fdd\u9669\u4e0d\u8db3\u7684\u65f6\u5019\uff1b\u5982\u679c\u8f66\u5b50\u662f\u505c\u5728\u8def\u8fb9\u88ab\u649e\uff0c\u5728\u5b8c\u5168\u4e0d\u77e5\u9053\u8087\u4e8b\u8005\u662f\u8c01\u7684\u60c5\u5f62\u4e0b\uff0c\u53ea\u80fd\u4f7f\u7528\u78b0\u649e\u9669(collision) 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1 \u62a5\u8b66 \u53d1\u73b0\u505c\u5728\u8def\u8fb9\u7684\u8f66\u5b50\u88ab\u649e\uff0c\u8981\u505a\u7684\u7b2c\u4e00\u4ef6\u4e8b\u5c31\u662f\u62a5\u8b66\u3002\u8fd9\u6837\u505a\u7684\u597d\u5904\u662f\uff0c\u5982\u679c\u662fHIT&amp;RUN\uff08\u8087\u4e8b\u9003\u9038\uff09\uff0c\u8b66\u5bdf\u7684Report\u53ef\u4ee5\u786e\u4fdd\u4e8b\u6545\u7684\u771f\u5b9e\u6027\uff0c\u4e3a\u540e\u7eed\u7684\u4fdd\u9669\u7406\u8d54\u4ee5\u53ca\u8b66\u5bdf\u67e5\u627e\u8087\u4e8b\u8f66\u63d0\u4f9b\u4f9d\u636e\u3002\u7b2c\u4e8c\u4e2a\uff0c\u5982\u679c\u8087\u4e8b\u7684\u53f8\u673a\u5728\u649e\u8f66\u540e\u62a5\u8b66\uff0c\u9020\u6210\u88ab\u649e\u8f66\u8f86\u4e5f\u88ab\u62d6\u5230\u8b66\u5c40\uff0c\u62a5\u8b66\u53ef\u4ee5\u7b2c\u4e00\u65f6\u95f4\u786e\u5b9a\u8f66\u5b50\u7684\u53bb\u5411\u3002 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