{"id":6815,"date":"2025-11-03T13:30:12","date_gmt":"2025-11-03T17:30:12","guid":{"rendered":"https:\/\/www.yeungassociates.com\/?p=6815"},"modified":"2025-11-14T15:18:04","modified_gmt":"2025-11-14T19:18:04","slug":"%e5%ae%89%e7%9c%81%e9%85%92%e9%a9%be%e8%bd%a6%e7%a5%b8%e5%8f%97%e5%ae%b3%e8%80%85%e7%b4%a2%e8%b5%94%e6%8c%87%e5%8d%97%ef%bd%9c%e5%a6%82%e4%bd%95%e4%be%9d%e6%b3%95%e4%ba%89%e5%8f%96%e8%b5%94%e5%81%bf","status":"publish","type":"post","link":"https:\/\/www.yeungassociates.com\/zh_cn\/blog\/%e5%ae%89%e7%9c%81%e9%85%92%e9%a9%be%e8%bd%a6%e7%a5%b8%e5%8f%97%e5%ae%b3%e8%80%85%e7%b4%a2%e8%b5%94%e6%8c%87%e5%8d%97%ef%bd%9c%e5%a6%82%e4%bd%95%e4%be%9d%e6%b3%95%e4%ba%89%e5%8f%96%e8%b5%94%e5%81%bf\/","title":{"rendered":"\u5b89\u7701\u9152\u9a7e\u8f66\u7978\u53d7\u5bb3\u8005\u7d22\u8d54\u6307\u5357\uff5c\u5982\u4f55\u4f9d\u6cd5\u4e89\u53d6\u8d54\u507f\u4e0e\u516c\u6b63\u2014\u2014\u534f\u6210\u5927\u5f8b\u5e08\u697c\u6574\u7406"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1365px;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p>\u5728\u5b89\u7701\uff0c<strong>\u9152\u540e\u9a7e\u9a76 <\/strong>\u662f\u6700\u4e25\u91cd\u3001\u6700\u5371\u9669\u7684\u4ea4\u901a\u8fdd\u6cd5\u884c\u4e3a\u4e4b\u4e00\u3002<br \/>\n\u6839\u636e\u5b89\u7701\u4ea4\u901a\u5385\u7edf\u8ba1\uff0c\u9152\u9a7e\u6216\u6bd2\u9a7e\u4e8b\u6545\u6bcf\u5e74\u5bfc\u81f4\u6570\u767e\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1\uff0c\u800c\u8f66\u7978\u53d7\u5bb3\u8005\u5f80\u5f80\u5728\u4e8b\u6545\u540e\u4e0d\u4ec5\u8981\u627f\u53d7\u8eab\u4f53\u75db\u82e6\uff0c\u8fd8\u8981\u9762\u5bf9\u7e41\u6742\u7684\u4fdd\u9669\u3001\u6cd5\u5f8b\u7a0b\u5e8f\u548c\u7ecf\u6d4e\u635f\u5931\u7684\u591a\u91cd\u538b\u529b\u3002<\/p>\n<p>\u672c\u6587\u7531\u534f\u6210\u5927\u5f8b\u5e08\u697c\u64b0\u5199\uff0c\u7528\u6700\u5b9e\u7528\u7684\u65b9\u5f0f\u544a\u8bc9\u4f60\uff1a<br \/>\n\u5982\u679c\u4f60\u6216\u5bb6\u4eba\u662f\u5728 <strong>\u5b89\u7701\u906d\u9047\u9152\u9a7e\u8f66\u7978\u7684\u53d7\u5bb3\u8005<\/strong> \u2014\u2014\u4f60\u53ef\u4ee5\u5982\u4f55\u4f9d\u6cd5\u7d22\u8d54\uff1f\u80fd\u8d54\u591a\u5c11\uff1f\u4ec0\u4e48\u65f6\u5019\u8981\u627e\u5f8b\u5e08\uff1f\u5982\u4f55\u907f\u514d\u8d70\u9519\u7a0b\u5e8f\u5f71\u54cd\u8d54\u507f\uff1f<\/p>\n<\/div><div style=\"text-align:center;\"><style>.fusion-imageframe.imageframe-1 img{aspect-ratio:3 \/ 2;}<\/style><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"300\" height=\"200\" title=\"p1\" src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1.jpg\" data-orig-src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1-300x200.jpg\" class=\"lazyload img-responsive wp-image-6811 img-with-aspect-ratio\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271024%27%20height%3D%27683%27%20viewBox%3D%270%200%201024%20683%27%3E%3Crect%20width%3D%271024%27%20height%3D%27683%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1-200x133.jpg 200w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1-400x267.jpg 400w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1-600x400.jpg 600w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1-800x534.jpg 800w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p1.jpg 1024w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 700px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-2\"><h5><strong>\u4e00\u3001\u9152\u9a7e\u649e\u4f24\u4e8b\u6545\u5728\u5b89\u7701\u7684\u6cd5\u5f8b\u6027\u8d28<\/strong><\/h5>\n<p>\u5728\u5b89\u7701\uff0c\u9152\u9a7e\u4e0d\u4ec5\u662f<strong>\u5211\u4e8b\u72af\u7f6a\uff08<\/strong><strong>Criminal Offence<\/strong><strong>\uff09<\/strong>\uff0c\u540c\u65f6\u4e5f\u662f<strong>\u6c11\u4e8b\u8fc7\u5931\uff08<\/strong><strong>Civil Negligence<\/strong><strong>\uff09<\/strong>\u3002<br \/>\n\u8fd9\u610f\u5473\u7740\u8f66\u7978\u53d7\u5bb3\u8005\u53ef\u4ee5<strong>\u540c\u65f6\u5728\u5211\u4e8b\u4e0e\u6c11\u4e8b\u4e24\u4e2a\u5c42\u9762<\/strong>\u5bfb\u6c42\u6b63\u4e49\uff1a<\/p>\n<ul>\n<li><strong>\u5211\u4e8b\u5c42\u9762<\/strong>\uff1a\u8b66\u65b9\u53ef\u5bf9\u9152\u9a7e\u53f8\u673a\u63d0\u8d77\u5211\u4e8b\u6307\u63a7\uff08\u5982\u5371\u9669\u9a7e\u9a76\u3001\u5bfc\u81f4\u8eab\u4f53\u4f24\u5bb3\u7b49\uff09\uff0c\u53ef\u80fd\u5224\u5904\u7f5a\u6b3e\u3001\u540a\u9500\u9a7e\u7167\u6216\u76d1\u7981\u3002<\/li>\n<li><strong>\u6c11\u4e8b\u5c42\u9762<\/strong>\uff1a\u8f66\u7978\u53d7\u5bb3\u8005\u53ef\u5bf9\u53f8\u673a\u672c\u4eba\u53ca\u5176\u4fdd\u9669\u516c\u53f8\u63d0\u8d77\u6c11\u4e8b\u8bc9\u8bbc\uff0c\u8981\u6c42\u7ecf\u6d4e\u8d54\u507f\u3002<\/li>\n<\/ul>\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u5373\u4fbf\u5bf9\u65b9\u5df2\u88ab\u5211\u4e8b\u5904\u7f5a\uff0c<strong>\u60a8\u4ecd\u6709\u6743\u63d0\u51fa\u6c11\u4e8b\u7d22\u8d54<\/strong>\uff0c\u8ffd\u8ba8\u533b\u7597\u3001\u6536\u5165\u3001\u7cbe\u795e\u7b49\u591a\u65b9\u9762\u635f\u5931\u3002<\/p>\n<\/div><div style=\"text-align:center;\"><style>.fusion-imageframe.imageframe-2 img{aspect-ratio:3 \/ 2;}<\/style><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"300\" height=\"168\" title=\"p2\" src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2.jpg\" data-orig-src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2-300x168.jpg\" class=\"lazyload img-responsive wp-image-6812 img-with-aspect-ratio\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27680%27%20height%3D%27380%27%20viewBox%3D%270%200%20680%20380%27%3E%3Crect%20width%3D%27680%27%20height%3D%27380%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2-200x112.jpg 200w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2-400x224.jpg 400w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2-600x335.jpg 600w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p2.jpg 680w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 700px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-3\"><h5><strong>\u4e8c\u3001\u53d7\u5bb3\u8005\u7684\u4e24\u5927\u7d22\u8d54\u9014\u5f84<\/strong><\/h5>\n<p>\u5728\u5b89\u7701\uff0c\u8f66\u7978\u53d7\u5bb3\u8005\u7684\u8d54\u507f\u4f53\u7cfb\u5206\u4e3a\u4e24\u4e2a\u90e8\u5206\uff1a<\/p>\n<p><strong>1<\/strong><strong>\u3001\u65e0\u8fc7\u9519\u4fdd\u9669\uff08<\/strong><strong>No-Fault Benefits \/ Statutory Accident Benefits<\/strong><strong>\uff09<\/strong><\/p>\n<p>\u5373\u4f7f\u8f66\u7978\u4e8b\u6545\u8d23\u4efb\u5b8c\u5168\u5728\u5bf9\u65b9\uff0c<strong>\u60a8\u4ecd\u53ef\u901a\u8fc7\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u7533\u8bf7\u798f\u5229<\/strong>\u3002<br \/>\n\u8fd9\u662f\u5b89\u7701\u6cd5\u5f8b\u5f3a\u5236\u63d0\u4f9b\u7684\u57fa\u672c\u4fdd\u969c\u3002<\/p>\n<p><strong>\u53ef\u7533\u8bf7\u9879\u76ee\u5305\u62ec\uff1a<\/strong><\/p>\n<ul>\n<li><strong>\u533b\u7597\u4e0e\u5eb7\u590d\u8d39\u7528<\/strong>\uff1a\u9488\u7078\u3001\u7269\u7406\u6cbb\u7597\u3001\u5fc3\u7406\u8f85\u5bfc\u3001\u624b\u672f\u5eb7\u590d\u7b49\uff1b<\/li>\n<li><strong>\u6536\u5165\u8865\u507f\uff08<\/strong><strong>Income Replacement Benefit<\/strong><strong>\uff09<\/strong>\uff1a\u56e0\u4f24\u65e0\u6cd5\u5de5\u4f5c\uff0c\u6bcf\u5468\u6700\u9ad8\u53ef\u83b7$400-$600\uff1b<\/li>\n<li><strong>\u7167\u62a4\u6d25\u8d34\uff08<\/strong><strong>Attendant Care Benefit<\/strong><strong>\uff09<\/strong>\uff1a\u82e5\u9700\u4ed6\u4eba\u957f\u671f\u7167\u6599\uff1b<\/li>\n<li><strong>\u5bb6\u5ead\u534f\u52a9\uff08<\/strong><strong>Housekeeping \/ Home Maintenance<\/strong><strong>\uff09<\/strong>\uff1a\u91cd\u4f24\u8005\u53ef\u83b7\u6bcf\u5468\u6d25\u8d34\uff1b<\/li>\n<li><strong>\u6b7b\u4ea1\u4e0e\u4e27\u846c\u8d54\u507f\uff08<\/strong><strong>Death &amp; Funeral Benefit<\/strong><strong>\uff09<\/strong>\uff1a\u82e5\u4e0d\u5e78\u8eab\u4ea1\uff0c\u5bb6\u5c5e\u53ef\u9886\u53d6\u56fa\u5b9a\u8865\u52a9\u3002<\/li>\n<\/ul>\n<p>\u8fd9\u4e9b\u662f\u5b89\u7701\u5f3a\u5236\u5236\u5ea6\uff0c\u4e0d\u9700\u7b49\u5f85\u5b98\u53f8\u7ed3\u6848\u5373\u53ef\u7533\u8bf7\u3002<\/p>\n<p><strong>2<\/strong><strong>\u3001\u6c11\u4e8b\u8bc9\u8bbc\uff08<\/strong><strong>Tort Claim<\/strong><strong>\uff09<\/strong><strong>\u2014\u2014<\/strong><strong>\u5411\u9152\u9a7e\u8087\u4e8b\u8005\u8ffd\u8ba8\u989d\u5916\u8d54\u507f<\/strong><\/p>\n<p>\u9664\u57fa\u672c\u4fdd\u9669\u5916\uff0c\u4e8b\u6545\u53d7\u5bb3\u8005\u8fd8\u53ef\u4ee5\u9488\u5bf9\u9152\u9a7e\u8087\u4e8b\u8005\u548c\u53ef\u80fd\u8fde\u5e26\u8d23\u4efb\u65b9\u63d0\u51fa\u8bc9\u8bbc\uff0c\u8981\u6c42\u5168\u9762\u7ecf\u6d4e\u4e0e\u7cbe\u795e\u635f\u5bb3\u8d54\u507f\u3002<\/p>\n<p><strong>\u7d22\u8d54\u8303\u56f4\u5305\u62ec\uff1a<\/strong><\/p>\n<ul>\n<li><strong>\u75db\u82e6\u4e0e\u7cbe\u795e\u521b\u4f24\uff08<\/strong><strong>Pain and Suffering<\/strong><strong>\uff09<\/strong>\uff1a\u56e0\u8eab\u4f53\u75db\u82e6\u53ca\u751f\u6d3b\u8d28\u91cf\u4e0b\u964d\u800c\u8d54\u507f\u3002<\/li>\n<\/ul>\n<ul>\n<li><strong>\u8865\u507f\u6027\u8d54\u507f\uff08Compensatory damages\uff09<\/strong>\uff1a\u8986\u76d6\u533b\u7597\u8d39\u3001\u6536\u5165\u635f\u5931\u3001\u672a\u6765\u62a4\u7406\u3001\u5bb6\u52a1\u652f\u51fa\u7b49\u3002<\/li>\n<\/ul>\n<ul>\n<li><strong>\u7279\u6b8a\u635f\u5931\uff08<\/strong><strong>Special Damages<\/strong><strong>\uff09<\/strong>\uff1a\u5982\u836f\u8d39\u3001\u4ea4\u901a\u8d39\u3001\u8f85\u52a9\u5668\u5177\u7b49\u3002<\/li>\n<li><strong>\u60e9\u7f5a\u6027\u8d54\u507f\uff08<\/strong><strong>Punitive Damages<\/strong><strong>\uff09<\/strong>\uff1a\u9488\u5bf9\u4e25\u91cd\u758f\u5ffd\u884c\u4e3a\uff08\u5982\u9152\u9a7e\uff09\u6240\u52a0\u91cd\u7684\u5904\u7f5a\u6027\u8d54\u507f\u3002<\/li>\n<\/ul>\n<p>\u56e0\u9152\u9a7e\u5c5e\u201c\u91cd\u5927\u8fc7\u5931\uff08Gross Negligence\uff09\u201d\uff0c\u6cd5\u9662\u5f80\u5f80\u66f4\u503e\u5411\u4e8e\u652f\u6301\u53d7\u5bb3\u8005\uff0c\u751a\u81f3\u4f1a<strong>\u8c41\u514d\u4e00\u822c\u8f66\u7978\u6848\u4ef6\u4e2d<\/strong><strong>\u201c<\/strong><strong>\u75bc\u75db\u4e0e\u82e6\u96be\u8d54\u507f\u7684\u95e8\u69db\uff08<\/strong><strong>threshold<\/strong><strong>\uff09<\/strong><strong>\u201d<\/strong><strong>\u9650\u5236<\/strong>\u3002<\/p>\n<p><strong>\u8d54\u507f\u91d1\u8ba1\u7b97\u901a\u5e38\u4f9d\u636e\u4ee5\u4e0b\u56e0\u7d20\u6d6e\u52a8\uff1a<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: auto; border: 1px solid #999;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px; text-align: center;\" width=\"132\"><strong>\u5f71\u54cd\u56e0\u7d20<\/strong><\/td>\n<td style=\"border: 1px solid #999; padding: 8px; text-align: center;\" width=\"217\"><strong>\u8bf4\u660e<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"132\">\u4f24\u5bb3\u4e25\u91cd\u7a0b\u5ea6<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"217\">\u8f7b\u4f24\u3001\u4e2d\u5ea6\u3001\u91cd\u4f24\/\u7ec8\u8eab\u6b8b\u75be<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"132\">\u533b\u7597\u4e0e\u5eb7\u590d\u8d39\u7528<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"217\">\u5f53\u524d\u4e0e\u672a\u6765\u5f00\u9500<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"132\">\u6536\u5165\u635f\u5931<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"217\">\u5305\u62ec\u672a\u6765\u5de5\u4f5c\u80fd\u529b\u4e0b\u964d<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"132\">\u751f\u6d3b\u54c1\u8d28\u4e0b\u964d<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"217\">\u65e5\u5e38\u6d3b\u52a8\u3001\u5bb6\u5ead\u8054\u7cfb\u53d7\u9650<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"132\">\u5bf9\u65b9\u8d23\u4efb\u6bd4\u4f8b<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"217\">\u5b89\u7701\u9075\u5faa\u6bd4\u8f83\u8fc7\u5931\u539f\u5219<\/p>\n<p>\uff08\u8d54\u507f\u6309\u8d23\u4efb\u6bd4\u4f8b\u8c03\u6574\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u8f7b\u4f24\u548c\u89e3\u91d1\u989d\u5e38\u89c1\u7ea6 $30,000-$80,000\uff1b<br \/>\n\u82e5\u4e3a\u810a\u690e\u635f\u4f24\u3001\u8111\u635f\u4f24\u3001\u6c38\u4e45\u6b8b\u75be\u6216\u81f4\u547d\u4e8b\u6545\uff0c\u8d54\u507f\u53ef\u80fd\u8fbe\u5230<strong>\u6570\u5341\u4e07\u81f3\u6570\u767e\u4e07<\/strong>\u3002<\/p>\n<\/div><div style=\"text-align:center;\"><style>.fusion-imageframe.imageframe-3 img{aspect-ratio:3 \/ 2;}<\/style><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"300\" height=\"187\" title=\"p3\" src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3.jpg\" data-orig-src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3-300x187.jpg\" class=\"lazyload img-responsive wp-image-6813 img-with-aspect-ratio\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27660%27%20height%3D%27412%27%20viewBox%3D%270%200%20660%20412%27%3E%3Crect%20width%3D%27660%27%20height%3D%27412%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3-200x125.jpg 200w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3-400x250.jpg 400w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3-600x375.jpg 600w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p3.jpg 660w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 700px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-4\"><h5><strong>\u4e09\u3001\u9152\u9a7e\u53d7\u5bb3\u8005\u7d22\u8d54\u6d41\u7a0b<\/strong><\/h5>\n<table style=\"width: 100%; border-collapse: collapse; margin: auto; border: 1px solid #999;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px; text-align: center;\" width=\"160\"><strong>\u9636\u6bb5<\/strong><\/td>\n<td style=\"border: 1px solid #999; padding: 8px; text-align: center;\" width=\"255\"><strong>\u5185\u5bb9<\/strong><\/td>\n<td style=\"border: 1px solid #999; padding: 8px; text-align: center;\" width=\"142\"><strong>\u65f6\u9650<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"160\">\u5411\u4fdd\u9669\u516c\u53f8\u62a5\u6848<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"255\">\u5c3d\u5feb\u901a\u77e5\u5e76\u7d22\u53d6OCF\u8868\u683c<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"142\">7\u5929\u5185<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"160\">\u9012\u4ea4\u7533\u8bf7\uff08OCF-1\uff09<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"255\">\u542b\u533b\u7597\u8bc1\u660e\u7b49<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"142\">30\u5929\u5185<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"160\">\u9012\u4ea4\u533b\u7597\u8bc4\u4f30\uff08OCF-3\uff09<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"255\">\u7528\u4e8e\u786e\u8ba4\u53d7\u4f24\u7a0b\u5ea6<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"142\">\u533b\u5e08\u51fa\u5177\u8bc1\u660e\u540e\u5c3d\u5feb<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"160\">\u6536\u5230\u4fdd\u9669\u56de\u5e94<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"255\">\u5f00\u59cb\u9886\u53d6\u8d54\u507f\/\u590d\u5065\u652f\u63f4<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"142\">\u901a\u5e381-2\u4e2a\u6708\u5185<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"160\">\u63d0\u51fa\u6c11\u4e8b\u8bc9\u8bbc<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"255\">\u81ea\u4e8b\u6545\u65e5\u671f\u8d77\u7b97\uff08\u67d0\u4e9b\u60c5\u51b5\u4e0b\u53ef\u5ef6\u957f\uff09<\/td>\n<td style=\"border: 1px solid #999; padding: 8px;\" width=\"142\">2\u5e74\u5185<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u82e5\u9057\u6f0f\u6216\u5ef6\u8bef\u63d0\u4ea4\uff0c\u6709\u53ef\u80fd\u5931\u53bb\u7d22\u8d54\u6743\u5229\u3002<br \/>\n\u5efa\u8bae <strong>\u8d8a\u65e9\u54a8\u8be2\u5f8b\u5e08\uff0c\u8d8a\u80fd\u907f\u514d\u7a0b\u5e8f\u6027\u9519\u8bef<\/strong>\u3002<\/p>\n<h5><strong>\u56db\u3001\u5982\u679c\u8087\u4e8b\u8005\u6ca1\u6709\u4fdd\u9669<\/strong><strong>\/<\/strong><strong>\u9003\u9038\u600e\u4e48\u529e\uff1f<\/strong><\/h5>\n<p>\u5373\u4fbf\u8087\u4e8b\u8005\uff1a<\/p>\n<ul>\n<li>\u6ca1\u6709\u4fdd\u9669\uff1b<\/li>\n<li>\u9003\u9038\uff1b<\/li>\n<li>\u65e0\u6cd5\u8d54\u507f\uff0c<\/li>\n<\/ul>\n<p>\u60a8\u4ecd\u53ef\u900f\u8fc7\u4ee5\u4e0b\u6e20\u9053\u83b7\u5f97\u4fdd\u969c\uff1a<\/p>\n<p><strong>\u2705<\/strong> <strong>\u65e0\u4fdd\u9669\u9a7e\u9a76\u4eba\u4fdd\u62a4\uff08<\/strong><strong>Uninsured \/ Underinsured Motorist Coverage<\/strong><strong>\uff09<\/strong><\/p>\n<p>\u6bcf\u4efd\u5b89\u7701\u6c7d\u8f66\u4fdd\u9669\u90fd\u81ea\u52a8\u5305\u542b\u8be5\u9879\u4fdd\u62a4\u3002<br \/>\n\u82e5\u5bf9\u65b9\u65e0\u4fdd\u9669\u6216\u4fdd\u989d\u4e0d\u8db3\uff0c<strong>\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4ee3\u4e3a\u8d54\u507f\u635f\u5931\u3002<\/strong><\/p>\n<p><strong>\u2705<\/strong> <strong>\u5b89\u7701\u673a\u52a8\u8f66\u4e8b\u6545\u8d54\u507f\u57fa\u91d1\uff08<\/strong><strong>MVACF<\/strong><strong>\uff09<\/strong><\/p>\n<p>\u82e5\u53cc\u65b9\u7686\u65e0\u4fdd\u9669\uff0c\u60a8\u53ef\u900f\u8fc7<strong>Motor Vehicle Accident Claims Fund<\/strong>\u5411\u7701\u653f\u5e9c\u7533\u8bf7\u8865\u507f\uff08\u6700\u9ad8$200,000\uff09\u3002<\/p>\n<\/div><div style=\"text-align:center;\"><style>.fusion-imageframe.imageframe-4 img{aspect-ratio:3 \/ 2;}<\/style><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"300\" height=\"200\" title=\"p4\" src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4.jpg\" data-orig-src=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4-300x200.jpg\" class=\"lazyload img-responsive wp-image-6814 img-with-aspect-ratio\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27733%27%20height%3D%27489%27%20viewBox%3D%270%200%20733%20489%27%3E%3Crect%20width%3D%27733%27%20height%3D%27489%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4-200x133.jpg 200w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4-400x267.jpg 400w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4-600x400.jpg 600w, https:\/\/www.yeungassociates.com\/wp-content\/uploads\/2025\/11\/p4.jpg 733w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 700px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-5\"><h5><strong>\u4e94\u3001\u5e38\u89c1\u95ee\u9898<\/strong><strong> Q&amp;A<\/strong><\/h5>\n<p><strong>Q1<\/strong><strong>\uff1a\u5bf9\u65b9\u9152\u9a7e\u88ab\u5224\u5211\uff0c\u6211\u8fd8\u80fd\u518d\u7d22\u8d54\u5417\uff1f<\/strong><br \/>\n\u2705 \u53ef\u4ee5\u3002\u5211\u4e8b\u5224\u51b3\u4e0e\u6c11\u4e8b\u7d22\u8d54\u76f8\u4e92\u72ec\u7acb\uff0c\u8f66\u7978\u53d7\u5bb3\u8005\u4f9d\u7136\u53ef\u63d0\u51fa\u8d54\u507f\u3002<\/p>\n<p><strong>Q2<\/strong><strong>\uff1a\u6211\u662f\u884c\u4eba<\/strong><strong>\/<\/strong><strong>\u4e58\u5ba2\uff0c\u4e0d\u662f\u53f8\u673a\uff0c\u4e5f\u80fd\u7d22\u8d54\u5417\uff1f<\/strong><\/p>\n<p>\u2705 \u53ef\u4ee5\u3002\u65e0\u8bba\u60a8\u662f\u884c\u4eba\u3001\u4e58\u5ba2\u3001\u9a91\u8f66\u4eba\u6216\u53f8\u673a\uff0c\u53ea\u8981\u56e0\u9152\u9a7e\u8f66\u7978\u53d7\u4f24\uff0c\u90fd\u6709\u8d44\u683c\u7533\u8bf7\u3002<\/p>\n<p><strong>Q3<\/strong><strong>\uff1a\u6211\u6ca1\u8f66\u3001\u6ca1\u4fdd\u9669\uff0c\u4e5f\u80fd\u62ff\u8d54\u507f\u5417\uff1f<\/strong><br \/>\n\u2705 \u53ef\u4ee5\u3002\u60a8\u4ecd\u53ef\u900f\u8fc7\u5bf9\u65b9\u4fdd\u9669\u6216MVACF\u83b7\u5f97\u8865\u507f\u3002<\/p>\n<p><strong>Q4<\/strong><strong>\uff1a\u4ec0\u4e48\u65f6\u5019\u4e00\u5b9a\u8981\u627e\u5f8b\u5e08\uff1f<\/strong><br \/>\nA\uff1a<strong>\u4e00\u65e6\u6d89\u53ca\u9152\u9a7e\u3001\u4e25\u91cd\u4f24\u60c5\u6216\u957f\u671f\u5f71\u54cd\uff0c\u5c31\u5fc5\u987b\u627e\u5f8b\u5e08<\/strong>\uff0c\u5426\u5219\u5bb9\u6613\u88ab\u4fdd\u9669\u516c\u53f8\u538b\u4ef7\u6216\u62d2\u8d54\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<h5><strong>\u516d\u3001\u4e3a\u4ec0\u4e48\u9152\u9a7e\u7c7b\u8f66\u7978\u6848\u4ef6\u66f4\u5e94\u8be5\u8ba9\u5f8b\u5e08\u4ecb\u5165\uff1f<\/strong><\/h5>\n<p>\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u56e0\u4e3a\u201c\u5bf9\u65b9\u9152\u9a7e\u201d\u5c31\u4e3b\u52a8\u591a\u8d54\u4f60\u3002<br \/>\n\u4f46\u5728\u6cd5\u5f8b\u4e0a\uff0c\u9152\u9a7e\u5c5e\u4e8e\u91cd\u5927\u8fc7\u5931\uff0c\u4f60\u6709\u8d44\u683c\u4e89\u53d6\u66f4\u9ad8\u91d1\u989d\u3001\u60e9\u7f5a\u6027\u8d54\u507f\u3001\u4ee5\u53ca\u4e0d\u53d7\u95e8\u69db\u9650\u5236\u7684\u635f\u5bb3\u8d54\u507f\u3002<\/p>\n<p>\u4e13\u4e1a\u5f8b\u5e08\u80fd\u5e2e\u4f60\uff1a<\/p>\n<ul>\n<li>\u907f\u514d\u624b\u7eed\/\u65f6\u9650\u9519\u8bef\u5bfc\u81f4\u4e27\u5931\u8d44\u683c<\/li>\n<li>\u6b63\u786e\u8ba1\u7b97\u201c\u771f\u5b9e\u635f\u5931\u201d\u800c\u975e\u5bf9\u65b9\u62a5\u7684\u6570\u5b57<\/li>\n<li>\u4ee3\u8868\u4f60\u4e0e\u4fdd\u9669\u516c\u53f8\u535a\u5f08\u907f\u514d\u88ab\u538b\u4ef7<\/li>\n<li>\u82e5\u8c08\u5224\u4e0d\u6210\uff0c\u4ee3\u8868\u4f60\u63d0\u8bc9\u8bbc\u63a8\u8fdb\u81f3\u5224\u8d54<\/li>\n<\/ul>\n<h5><strong>\u4e03\u3001\u534f\u5927\u5f8b\u5e08\u697c\u2014\u2014\u4e3a\u5b89\u7701\u9152\u9a7e\u53d7\u5bb3\u8005\u4e89\u53d6\u516c\u6b63\u4e0e\u6700\u5927\u5316\u8d54\u507f<\/strong><\/h5>\n<p>\u88ab\u9152\u9a7e\u53f8\u673a\u649e\u4f24\uff0c\u4e0d\u4ec5\u662f\u610f\u5916\uff0c\u66f4\u662f\u6cd5\u5f8b\u4e0a\u7684\u4e0d\u516c\u3002<br \/>\n\u5728\u5b89\u7701\uff0c\u9152\u9a7e\u8f66\u7978\u53d7\u5bb3\u8005\u4e0d\u5fc5\u9ed8\u9ed8\u627f\u53d7\uff0c\u60a8\u5b8c\u5168\u6709\u6743\u901a\u8fc7\u4fdd\u9669\u4e0e\u6cd5\u5f8b\u9014\u5f84<strong>\u8ffd\u56de\u533b\u7597\u3001\u6536\u5165\u4e0e\u7cbe\u795e\u635f\u5931<\/strong>\u3002<br \/>\n\u8bb0\u4f4f\uff1a<strong>\u53ca\u65f6\u884c\u52a8\u3001\u4fdd\u5b58\u8bc1\u636e\u3001\u54a8\u8be2\u4e13\u4e1a\u4eba\u8eab\u4f24\u5bb3\u3001\u4ea4\u901a\u610f\u5916\u7d22\u8d54\u5f8b\u5e08\uff0c\u662f\u60a8\u4e89\u53d6\u6700\u5927\u8d54\u507f\u7684\u5173\u952e\u3002<\/strong><\/p>\n<p>\u4f5c\u4e3a\u4e13\u6ce8\u4ea4\u901a\u610f\u5916\u4e0e\u4eba\u8eab\u4f24\u5bb330\u5e74\u7684\u5f8b\u5e08\u56e2\u961f\uff0c\u534f\u6210\u5927\u5f8b\u5e08\u697c\u5728\u5904\u7406\u9152\u9a7e\u8f66\u7978\u7d22\u8d54\u65b9\u9762\u62e5\u6709\u591a\u5e74\u5b9e\u6218\u7ecf\u9a8c\uff0c\u6df1\u77e5\u4fdd\u9669\u516c\u53f8\u7684\u8c08\u5224\u7b56\u7565\u4e0e\u6cd5\u9662\u7684\u8d54\u507f\u903b\u8f91\u3002<\/p>\n<p>\u6211\u4eec\u63d0\u4f9b\uff1a<\/p>\n<ul>\n<li>\u514d\u8d39\u8bc4\u4f30\u6848\u4ef6<\/li>\n<li>\u4ee3\u529e\u4fdd\u9669\u8868\u683c\u4e0e\u533b\u7597\u6587\u4ef6\u63d0\u4ea4<\/li>\n<li>\u5904\u7406\u4e0e\u4fdd\u9669\u516c\u53f8\u6216\u8087\u4e8b\u65b9\u7684\u8c08\u5224<\/li>\n<li>\u4ee3\u8868\u60a8\u63d0\u8d77\u8bc9\u8bbc\uff0c\u76f4\u81f3\u6210\u529f\u83b7\u8d54<\/li>\n<li>\u4e0d\u6210\u529f\u4e0d\u6536\u8d39\uff08No Win No Fee\uff09<\/li>\n<\/ul>\n<p>\u4f60\u4e0d\u9700\u8981\u4e00\u4e2a\u4eba\u9762\u5bf9\uff0c\u6b63\u786e\u884c\u52a8 + \u6b63\u786e\u5f8b\u5e08 = \u6b63\u786e\u7ed3\u679c\u3002\u8bf7\u7acb\u5373\u8054\u7cfb\uff1a<br \/>\n\ud83d\udcde\u00a0<strong>416-318-3333 \/ 416-899-6338<\/strong><br \/>\n\ud83d\udce7\u00a0<strong>denise@yeungassociates.com<\/strong><br \/>\n\ud83d\udccd\u00a0<strong>4022 Sheppard Ave E, Scarborough, ON M1S 1S6<\/strong><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.375%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.375%;}@media only screen and (max-width:1177px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 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