{"id":1228,"date":"2011-04-15T19:17:13","date_gmt":"2011-04-16T01:17:13","guid":{"rendered":"http:\/\/blog.myphillylawyer.com\/?p=1228"},"modified":"2025-06-03T17:34:57","modified_gmt":"2025-06-03T22:34:57","slug":"%e5%8f%a0%e5%8a%a0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%bf%9d%e6%8a%a4%e8%87%aa%e5%b7%b1%e7%9a%84%e7%9c%9f%e5%ae%9e%e6%95%85%e4%ba%8b","status":"publish","type":"post","link":"https:\/\/www.myphillylawyer.com\/zh\/2011\/04\/15\/stack-your-auto-insurance-to-protect-yourself-a-real-life-story\/","title":{"rendered":"\u53e0\u52a0\u8f66\u9669\u4fdd\u62a4\u81ea\u5df1\uff1a\u4e00\u4e2a\u771f\u5b9e\u7684\u6545\u4e8b"},"content":{"rendered":"<p><em>\u5806\u53e0\u6210\u672c\u4f4e\uff0c\u5728\u53d1\u751f\u4e8b\u6545\u65f6\u80fd\u63d0\u4f9b\u66f4\u597d\u7684\u4fdd\u62a4<\/em><\/p>\n<p>\u8ba9\u6211\u7ed9\u4f60\u8bb2\u4e00\u4e2a\u5173\u4e8e\u6c7d\u8f66\u4fdd\u9669\u3001\u660e\u667a\u7684\u9884\u5148\u89c4\u5212\u4ee5\u53ca\u5982\u679c\u4f60\u5728\u8f66\u7978\u4e2d\u88ab\u65e0\u4fdd\u9669\u6216\u4fdd\u9669\u4e0d\u8db3\u7684\u9a7e\u9a76\u8005\u4f24\u5bb3\u4f1a\u53d1\u751f\u4ec0\u4e48\u7684\u5c0f\u6545\u4e8b\u3002<\/p>\n<p>\u6700\u8fd1\uff0c\u4e00\u4e2a <em>MyPhillyLawyer<\/em> \u5f53\u4e8b\u4eba\u5728\u8499\u54e5\u9a6c\u5229\u53bf\u9a91\u81ea\u884c\u8f66\u5728\u5341\u5b57\u8def\u53e3\u5de6\u8f6c\u65f6\uff0c\u88ab\u4e00\u8f86\u65f6\u901f 35 \u82f1\u91cc\u7684\u76ae\u5361\u8f66\u649e\u5012\u3002\u8f66\u7978\u5bfc\u81f4\u4ed6\u7684\u817f\u90e8\u4e25\u91cd\u53d7\u4f24\uff0c\u9700\u8981\u8fdb\u884c\u5927\u624b\u672f\u5e76\u5b89\u88c5\u91d1\u5c5e\u6746\uff0c\u8fd8\u9020\u6210\u591a\u5904\u808b\u9aa8\u9aa8\u6298\u548c\u5176\u4ed6\u635f\u4f24\u3002\u73b0\u5728\uff0c\u4ed6\u7684\u4e00\u6761\u817f\u6bd4\u53e6\u4e00\u6761\u817f\u7a0d\u77ed\uff0c\u8f66\u7978\u7ed9\u4ed6\u7559\u4e0b\u4e86\u957f\u671f\u7684\u5267\u75db\u3002\u53d7\u5bb3\u8005\u5728\u6062\u590d\u548c\u8eab\u4f53\u5eb7\u590d\u671f\u95f4\u65e0\u6cd5\u5de5\u4f5c\uff0c\u4f46\u6700\u7ec8\u8fd8\u662f\u80fd\u591f\u5750\u7740\u8f6e\u6905\u91cd\u8fd4\u5de5\u4f5c\u5c97\u4f4d\uff0c\u76f4\u5230\u4ed6\u7684\u884c\u52a8\u66f4\u52a0\u65b9\u4fbf\u4e3a\u6b62\u3002<\/p>\n<div id=\"attachment_1230\" style=\"width: 310px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-1230\" class=\"size-medium wp-image-1230\" title=\"\u6551\u62a4\u8f66\u98de\u901f\u6551\u52a9\u4e8b\u6545\u53d7\u5bb3\u8005\u7684\u7167\u7247\u3002\u56fe\u7247\u6765\u6e90\uff1a\u00a9 iStockphoto.com\/Sparky2000\" src=\"http:\/\/blog.myphillylawyer.com\/wp-content\/uploads\/2011\/04\/4-15-11-ambulance-stacking-iStock_000000300188XSmall-300x197.jpg\" alt=\"\u6551\u62a4\u8f66\u98de\u901f\u6551\u52a9\u4e8b\u6545\u53d7\u5bb3\u8005\u7684\u7167\u7247\u3002\u56fe\u7247\u6765\u6e90\uff1a\u00a9 iStockphoto.com\/Sparky2000\" width=\"300\" height=\"197\" \/><p id=\"caption-attachment-1230\" class=\"wp-caption-text\">\u6551\u62a4\u8f66\u98de\u901f\u6551\u52a9\u4e8b\u6545\u53d7\u5bb3\u8005\u7684\u7167\u7247\u3002\u56fe\u7247\u6765\u6e90\uff1a\u00a9 iStockphoto.com\/Sparky2000<\/p><\/div>\n<p>\u4ed6\u7684\u4f24\u52bf\u975e\u5e38\u4e25\u91cd\uff0c\u9700\u8981\u8fdb\u884c\u6602\u8d35\u7684\u624b\u672f\u548c\u6cbb\u7597\u624d\u80fd\u6062\u590d\u5230\u4eca\u5929\u7684\u72b6\u51b5\u3002<\/p>\n<p>\u95ee\u9898\u662f\uff0c\u649e\u5012\u4ed6\u5e76\u9020\u6210\u8f66\u7978\u7684\u76ae\u5361\u8f66\u662f\u7531\u4e00\u540d\u53ea\u6295\u4fdd\u4e86 $50,000 \u8d23\u4efb\u9669\u7684\u9a7e\u9a76\u5458\u9a7e\u9a76\u7684\u3002\u8fd9\u610f\u5473\u7740\u53f8\u673a\u7684\u4fdd\u9669\u516c\u53f8\u6700\u591a\u53ea\u80fd\u5411\u9a91\u8f66\u4eba\u8d54\u507f $50,000 \u7f8e\u5143\u3002<\/p>\n<p>\u7136\u800c\uff0c\u8fd9\u4e00\u6570\u989d\u8fdc\u8fdc\u4f4e\u4e8e\u6211\u4eec\u5ba2\u6237\u53d7\u4f24\u3001\u533b\u7597\u62a4\u7406\u3001\u75bc\u75db\u548c\u75db\u82e6\u6240\u9700\u7684\u91d1\u989d\u3002<\/p>\n<p>\u800c\u4e0d\u662f <em>MyPhillyLawyer<\/em> \u901a\u8fc7\u5229\u7528\u5ba2\u6237\u5728\u5176\u5bb6\u5ead\u6c7d\u8f66\u4fdd\u5355\u4e2d\u5df2\u6709\u7684\u4fdd\u9669\u8303\u56f4\uff0c\u6211\u4eec\u7684\u5ba2\u6237\u83b7\u5f97\u4e86 $525,000 \u7f8e\u5143\u7684\u8d54\u507f\u3002\u56e0\u4e3a\u4ed6\u662f\u5728\u9a91\u81ea\u884c\u8f66\u65f6\u88ab\u53e6\u4e00\u8f86\u8f66\u649e\u5012\u7684\uff0c\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u7684\u4fdd\u9669\u6cd5\u5141\u8bb8\u6839\u636e\u4ed6\u7684\u6c7d\u8f66\u4fdd\u9669\u6761\u6b3e\u652f\u4ed8\u4f24\u5bb3\u8d54\u507f\u91d1\u3002\u800c\u4e14\uff0c\u7531\u4e8e\u4ed6\u7684\u5bb6\u5ead\u62e5\u6709\u4e0d\u6b62\u4e00\u8f86\u673a\u52a8\u8f66\uff0c\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u6cd5\u5f8b\u5141\u8bb8\u4ed6 \"\u53e0\u52a0\"\uff0c\u6216\u5c06\u4ed6\u8d2d\u4e70\u7684\u65e0\u4fdd\u9669\u548c\u4fdd\u9669\u4e0d\u8db3\u7684\u9a7e\u8f66\u8005\u8d23\u4efb\u9669\u52a0\u5728\u4e00\u8d77\u3002\u901a\u8fc7\u53e0\u52a0\u8d23\u4efb\u4fdd\u9669\uff0c\u60a8\u53ef\u4ee5\u5728\u53d1\u751f\u635f\u5bb3\u6216\u4f24\u5bb3\u65f6\u83b7\u5f97\u66f4\u5927\u7684\u4fdd\u9669\u989d\u5ea6\u3002<\/p>\n<p>\u9664\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\u5916\uff0c\u81f3\u5c11\u8fd8\u6709 18 \u4e2a\u5dde\u5141\u8bb8\u53e0\u52a0\u6c7d\u8f66\u8d23\u4efb\u4fdd\u9669\u3002<\/p>\n<p>\u5bf9\u4e8e\u5e0c\u671b\u5728\u53d1\u751f\u673a\u52a8\u8f66\u4e8b\u6545\u65f6\u4fdd\u62a4\u81ea\u5df1\u7684\u6743\u5229\u3001\u5bb6\u5ead\u548c\u751f\u8ba1\u7684\u6295\u4fdd\u9a7e\u9a76\u5458\u6765\u8bf4\uff0c\u53e0\u52a0\u662f\u4e00\u4e2a\u9700\u8981\u4e0e\u4fdd\u9669\u4ee3\u7406\u4eba\u8ba8\u8bba\u7684\u91cd\u5927\u95ee\u9898--\u5c24\u5176\u662f\u5728\u53d1\u751f\u4e8b\u6545\u4e4b\u524d\u3002<\/p>\n<p>\u53e0\u52a0\u6295\u4fdd\u5728\u7ecf\u6d4e\u4e0a\u4e5f\u5f88\u5212\u7b97\uff0c\u56e0\u4e3a\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u4e3a\u591a\u8f86\u8f66\u53e0\u52a0\u6295\u4fdd\u7684\u8d39\u7528\u6bd4\u4e3a\u6bcf\u8f86\u8f66\u652f\u4ed8\u66f4\u9ad8\u6c34\u5e73\u7684\u4fdd\u9669\u8d39\u8981\u4f4e\u3002\u4e8b\u5b9e\u4e0a\uff0c\u53e0\u52a0\u6295\u4fdd\u7684\u989d\u5916\u8d39\u7528\u6781\u4f4e\uff0c\u56e0\u6b64\u60a8\u901a\u5e38\u53ea\u9700\u652f\u4ed8\u5f88\u5c11\u7684\u989d\u5916\u8d39\u7528\uff0c\u5c31\u53ef\u4ee5\u5c06\u6295\u4fdd\u989d\u63d0\u9ad8\u4e00\u500d\u6216\u4e24\u500d\u3002<\/p>\n<p>\u5728\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5dde\uff0c\u6cd5\u5f8b\u89c4\u5b9a\u7684\u6700\u4f4e\u4fdd\u9669\u8d23\u4efb\u9650\u989d\u4e3a $15,000 \u7f8e\u5143\uff0c\u7528\u4e8e\u8d54\u507f\u4e00\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1\uff1b\u5bf9\u4e8e\u5355\u6b21\u4e8b\u6545\u4e2d\u7684\u591a\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1\uff0c\u4fdd\u9669\u8d23\u4efb\u9650\u989d\u81f3\u5c11\u4e3a $30,000 \u7f8e\u5143\u3002\u60a8\u8fd8\u5fc5\u987b\u62e5\u6709\u81f3\u5c11 $5,000 \u7684\u8d22\u4ea7\u635f\u5931\u4fdd\u9669\u3002\u4fdd\u9669\u516c\u53f8\u79f0\u4e4b\u4e3a 15\/30\/5 \u4fdd\u989d\u3002<\/p>\n<p>\u663e\u7136\uff0c\u8fd9\u4e9b\u6700\u4f4e\u4fdd\u9669\u7ea7\u522b\u592a\u4f4e\uff0c\u65e0\u6cd5\u5728\u4e8b\u6545\u4e2d\u4fdd\u62a4\u60a8\u6216\u4ed6\u4eba\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u4e3a\u6bcf\u8f86\u8f66\u6295\u4fdd $100,000\/$300,000\/$50,000 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