{"id":11260,"date":"2023-12-20T18:21:00","date_gmt":"2023-12-20T23:21:00","guid":{"rendered":"https:\/\/www.myphillylawyer.com\/?p=11260"},"modified":"2026-03-26T17:08:24","modified_gmt":"2026-03-26T22:08:24","slug":"%e6%a3%80%e6%9f%a5%e5%ae%be%e5%a4%95%e6%b3%95%e5%b0%bc%e4%ba%9a%e5%b7%9e%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%a6%81%e6%b1%82","status":"publish","type":"post","link":"https:\/\/www.myphillylawyer.com\/zh\/2023\/12\/20\/checking-in-on-pennsylvania-car-insurance-requirements\/","title":{"rendered":"\u4e86\u89e3\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u7684\u6c7d\u8f66\u4fdd\u9669\u8981\u6c42"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u56de\u987e\u81ea\u5df1\u7684 <a href=\"https:\/\/www.myphillylawyer.com\/zh\/%e5%ae%9e%e8%b7%b5%e9%a2%86%e5%9f%9f\/%e8%bd%a6%e7%a5%b8\/%e4%bf%9d%e9%99%a9\/%e5%ae%be%e5%a4%95%e6%b3%95%e5%b0%bc%e4%ba%9a%e5%b7%9e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%8c%87%e5%8d%97\/\">\u4fdd\u9669\u8303\u56f4<\/a> \u6bcf\u5e74\u5e74\u521d\u3002\u60c5\u51b5\u4f1a\u53d1\u751f\u53d8\u5316\uff1b\u4fdd\u9669\u516c\u53f8\u7ecf\u5e38\u4f1a\u5728\u5168\u5e74\u53d1\u9001\u4e00\u4e9b\u96be\u4ee5\u9605\u8bfb\u4e14\u5bb9\u6613\u88ab\u5ffd\u89c6\u7684\u901a\u77e5\u3002\u60a8\u53ef\u80fd\u4f1a\u8ba4\u4e3a\u81ea\u5df1\u5728\u4e8b\u6545\u6216\u8d22\u4ea7\u635f\u5931\u4e2d\u5f97\u5230\u4e86\u8d54\u507f\uff0c\u4f46\u5374\u56e0\u4e3a\u8fd9\u4e9b\u53d8\u5316\u800c\u53d1\u73b0\u81ea\u5df1\u6ca1\u6709\u5f97\u5230\u8d54\u507f\uff0c\u8fd9\u5c31\u4e3a\u65f6\u5df2\u665a\u4e86\u3002\u4ee5\u4e0b\u662f\u60a8\u5728\u68c0\u67e5\u6c7d\u8f66\u548c\u623f\u4e3b\u4fdd\u5355\u65f6\u5e94\u8be5\u6ce8\u610f\u7684\u63d0\u793a\u548c\u4e8b\u9879\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u89c4\u5b9a\u7684\u6c7d\u8f66\u4fdd\u9669\u8303\u56f4<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u5148\uff0c\u60a8\u5e94\u786e\u4fdd\u60a8\u7684\u6c7d\u8f66\u4fdd\u9669\u7b26\u5408\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u7684\u6700\u4f4e\u8981\u6c42\u3002\u60a8\u5fc5\u987b\u62e5\u6709<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$15,000\uff0c\u4e8b\u6545\u4e2d\u4e00\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1<\/li>\n\n\n\n<li>$ 30,000\uff0c\u4e8b\u6545\u4e2d\u4e00\u4eba\u4ee5\u4e0a\u4f24\u4ea1<\/li>\n\n\n\n<li>\u7b2c\u4e00\u65b9\u5229\u76ca\uff1a$5000<\/li>\n\n\n\n<li>\u8d22\u4ea7\u635f\u5931\u6700\u4f4e\u8981\u6c42\u4e3a $5,000\u3002\u5982\u679c\u60a8\u5728\u4e8b\u6545\u4e2d\u56e0\u81ea\u5df1\u7684\u8fc7\u5931\u635f\u574f\u4e86\u4ed6\u4eba\u7684\u8f66\u8f86\uff0c\u8be5\u4fdd\u9669\u5c06\u8d54\u507f\u635f\u5931\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u662f\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u5bf9\u6c7d\u8f66\u4e0a\u8def\u884c\u9a76\u7684\u6700\u4f4e\u4fdd\u9669\u8981\u6c42\u3002\u5982\u679c\u8f66\u4e3b\u53ea\u8d2d\u4e70\u4e86\u6700\u4f4e\u8981\u6c42\u7684\u4fdd\u9669\uff0c\u5c31\u4f1a\u9762\u4e34\u5f88\u5927\u7684\u98ce\u9669\u3002\u60a8\u8fd8\u53ef\u4ee5\u8d2d\u4e70\u4ee5\u4e0b\u53ef\u9009\u4fdd\u9669\uff0c\u5b83\u4eec\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u66f4\u597d\u7684\u4fdd\u62a4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6211\u4eec\u8ba4\u4e3a\u5728\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u5fc5\u987b\u63d0\u4f9b\u7684\u53ef\u9009\u4fdd\u9669\uff01\uff01<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u6b21\uff0c\u5982\u679c\u53ef\u80fd\u7684\u8bdd\uff0c\u4f60\u5e94\u8be5\u8003\u8651\u8d2d\u4e70\u4e00\u4e9b\u53ef\u9009\u4fdd\u9669\u3002\u5426\u5219\uff0c\u5728\u53d1\u751f\u4e25\u91cd\u4e8b\u6545\u65f6\uff0c\u4f60\u53ef\u80fd\u4f1a\u5012\u9709\u3002\u8fd9\u4e9b\u4fdd\u9669\u5305\u62ec<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u9669\u4e0d\u8db3\u548c\u65e0\u4fdd\u9669\u9a7e\u9a76\u5458\u4fdd\u9669\u3002\u5982\u679c\u60a8\u88ab\u6ca1\u6709\u8db3\u591f\u4fdd\u9669\u6216\u6839\u672c\u6ca1\u6709\u4efb\u4f55\u4fdd\u9669\u7684\u8087\u4e8b\u53f8\u673a\u649e\u4f24\uff0c\u800c\u8087\u4e8b\u53f8\u673a\u53c8\u6ca1\u6709\u8db3\u591f\u7684\u4fdd\u9669\u6765\u652f\u4ed8\u60a8\u7684\u8d26\u5355\u3001\u75bc\u75db\u548c\u75db\u82e6\u4ee5\u53ca\u4e8b\u6545\u53d1\u751f\u540e\u7684\u5176\u4ed6\u635f\u5931\u548c\u635f\u5bb3\uff0c\u8be5\u4fdd\u9669\u5c31\u4f1a\u751f\u6548\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u88ab\u4e00\u540d\u6295\u4fdd\u4e86\u6700\u4f4e\u8d23\u4efb\u4fdd\u9669\uff08$15,000\/$30,000\uff09\u7684\u8087\u4e8b\u53f8\u673a\u4e25\u91cd\u649e\u4f24\uff0c\u60a8\u7684\u533b\u7597\u8d39\u5f88\u53ef\u80fd\u4f1a\u8d85\u8fc7$15,000\u3002\u672a\u6295\u4fdd\/\u672a\u6295\u4fdd\u673a\u52a8\u8f66\u9a7e\u9a76\u5458\u4fdd\u9669\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u4fdd\u62a4\uff0c\u5e76\u652f\u4ed8\u60a8\u8d85\u51fa\u8087\u4e8b\u53f8\u673a\u4fdd\u9669\u9650\u989d\u7684\u635f\u5931\u3002<\/li>\n\n\n\n<li>\u65e0\u4fdd\u9669 \/ \u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u4eba\u4fdd\u969c\u53e0\u52a0\uff08Stacking UM\/UIM Coverage\uff09\n\u8fd9\u4e2a\u9009\u9879\u53ef\u4ee5\u8ba9\u60a8\u6309\u7167\u4fdd\u5355\u5185\u8f66\u8f86\u6570\u91cf\u6765\u63d0\u9ad8\u4fdd\u969c\u989d\u5ea6\u3002\n\u5982\u679c\u60a8\u6709\u591a\u8f86\u8f66\u5728\u540c\u4e00\u4efd\u4fdd\u5355\u4e0b\uff0c\u8fd9\u9879\u4fdd\u969c\u53ef\u4ee5\u201c\u53e0\u52a0\u201d\uff1b\u5982\u679c\u4e0d\u540c\u8f66\u8f86\u5206\u522b\u5728\u4e0d\u540c\u4fdd\u5355\n\u4e0b\uff0c\u4e5f\u53ef\u80fd\u8bbe\u7f6e\u6210\u8de8\u4fdd\u5355\u53e0\u52a0\u4fdd\u969c\u3002<\/li>\n\n\n\n<li>\u78b0\u649e\u9669\uff08Collision Insurance\uff09\n\u8fd9\u9879\u4fdd\u9669\u8d54\u507f\u60a8\u7684\u8f66\u8f86\u56e0\u4ea4\u901a\u4e8b\u6545\u9020\u6210\u7684\u635f\u574f\u3002\n\u5982\u679c\u60a8\u7684\u8f66\u8fd8\u6709\u8d37\u6b3e\uff0c\u94f6\u884c\u6216\u8d37\u6b3e\u673a\u6784\u901a\u5e38\u4f1a\u8981\u6c42\u60a8\u5fc5\u987b\u8d2d\u4e70\u8fd9\u7c7b\u4fdd\u9669\u3002<\/li>\n\n\n\n<li>\u7efc\u5408\u9669\uff08Comprehensive Insurance\uff09\n\u8fd9\u7c7b\u4fdd\u9669\u8d54\u507f\u7684\u4e0d\u662f\u4ea4\u901a\u78b0\u649e\uff0c\u800c\u662f\u5176\u4ed6\u539f\u56e0\u9020\u6210\u7684\u8f66\u8f86\u635f\u5931\uff0c\u6bd4\u5982\u706b\u707e\u3001\u76d7\u7a83\u3001\u6c34\n\u707e\u3001\u6545\u610f\u7834\u574f\uff0c\u6216\u649e\u5230\u9e7f\u7b49\u52a8\u7269\u3002\n\u548c\u78b0\u649e\u9669\u4e00\u6837\uff0c\u5982\u679c\u8f66\u8f86\u6709\u8d37\u6b3e\uff0c\u8d37\u6b3e\u673a\u6784\u901a\u5e38\u4e5f\u4f1a\u8981\u6c42\u60a8\u8d2d\u4e70\u7efc\u5408\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5ba1\u67e5\u4fdd\u5355\u65f6\uff0c\u8fd9\u4e9b\u53ef\u9009\u4fdd\u9669\u662f\u6700\u91cd\u8981\u7684\u8003\u8651\u56e0\u7d20\u3002\u4fdd\u9669\u516c\u53f8\u8fd8\u63d0\u4f9b\u4e27\u846c\u8865\u52a9\u3001\u6536\u5165\u635f\u5931\u3001\u79df\u91d1\u8865\u507f\u3001\u62d6\u8f66\u3001\u610f\u5916\u6b7b\u4ea1\u548c\u7279\u6b8a\u533b\u7597\u8865\u52a9\u7b49\u4fdd\u9669\u3002\u6700\u540e\u4e00\u79cd\u4fdd\u9669\u5728\u7b2c\u4e00\u7b14 $100,000 \u4e4b\u540e\u6700\u591a\u53ef\u4e3a\u60a8\u63d0\u4f9b $100,000\u3002\u53e6\u4e00\u79cd\u53ef\u80fd\u7684\u4fdd\u9669\u662f\u5dee\u989d\u4fdd\u9669\uff0c\u5373\u652f\u4ed8\u5168\u635f\u8f66\u8f86\u7684\u4fdd\u9669\u4eba\u8d54\u6b3e\u4e0e\u6c7d\u8f66\u8d37\u6b3e\u4f59\u989d\u4e4b\u95f4\u7684\u5dee\u989d\u3002\u8fd9\u79cd\u4fdd\u9669\u901a\u5e38\u53ea\u9002\u7528\u4e8e\u65b0\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5b8c\u5168\u4fb5\u6743\u4fdd\u9669\u4e0e\u6709\u9650\u4fb5\u6743\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limited Tort\uff08\u6709\u9650\u4fb5\u6743\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u9650\u4fb5\u6743\u662f\u6307\u5728\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u60a8\u53ef\u4ee5\u8d77\u8bc9\u83b7\u5f97\u6709\u9650\u7684\u8d54\u507f\u3002\u8fd9\u610f\u5473\u7740\uff0c\u867d\u7136\u60a8\u53ef\u4ee5\u8d77\u8bc9\u8087\u4e8b\u53f8\u673a\u7d22\u8981\u533b\u7597\u8d39\uff0c\u4f46\u9664\u975e\u60a8\u906d\u53d7\u4e86\u4e25\u91cd\u4f24\u5bb3\uff0c\u5426\u5219\u60a8\u4e0d\u80fd\u8981\u6c42\u8d54\u507f\u75bc\u75db\u548c\u75db\u82e6\u3002\u8fd9\u5c31\u7ed9\u60a8\u589e\u52a0\u4e86\u4e00\u4e2a\u969c\u788d\uff0c\u60a8\u9700\u8981\u514b\u670d\u8fd9\u4e2a\u969c\u788d\uff0c\u624d\u80fd\u5728\u4e8b\u6545\u53d1\u751f\u540e\u83b7\u5f97\u9002\u5f53\u7684\u75bc\u75db\u3001\u75db\u82e6\u548c\u751f\u6d3b\u6d3b\u52a8\u4e2d\u65ad\u8d54\u507f\u3002 <strong>\u6211\u4eec\u4e0d\u5efa\u8bae\u9009\u62e9\u6c7d\u8f66\u4fdd\u9669\u7684\u6709\u9650\u4fb5\u6743\u9009\u9879\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Full Tort\uff08\u5b8c\u5168\u4fb5\u6743\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u989d\u4fb5\u6743\u4fdd\u9669\u610f\u5473\u7740\uff0c\u9664\u4e86\u533b\u7597\u8d39\u4e4b\u5916\uff0c\u60a8\u8fd8\u53ef\u4ee5\u5c31\u75bc\u75db\u548c\u75db\u82e6\u5bfb\u6c42\u8d54\u507f\u3002\u867d\u7136\u6bcf\u6708\u7684\u4fdd\u8d39\u53ef\u80fd\u7565\u9ad8\uff0c\u4f46\u5b83\u80fd\u8ba9\u60a8\u5728\u53d1\u751f\u610f\u5916\u65f6\u83b7\u5f97\u6240\u9700\u7684\u8d54\u507f\u3002\u989d\u5916\u7684\u8d54\u507f\u53ef\u4ee5\u5e2e\u52a9\u60a8\u7684\u751f\u6d3b\u91cd\u56de\u6b63\u8f68\uff0c\u5e76\u652f\u4ed8\u4e8b\u6545\u53d1\u751f\u540e\u4ea7\u751f\u7684\u4efb\u4f55\u610f\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<p 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