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\u6700\u7b80\u5355\u7684\u662f\u8d23\u4efb\u9669\uff08Liability\uff09\uff0c\u5305\u542b\u8eab\u4f53\u4f24\u5bb3\u4fdd\u9669\uff08Bodily-injury liability\uff09\u4e0e\u8d22\u4ea7\u635f\u5bb3\u4fdd\u9669\uff08Property-damage liability\uff09\u4e24\u5927\u7c7b\u3002\u884c\u8f66\u65f6\u82e5\u4e0d\u5c0f\u5fc3\u9020\u6210\u4ed6\u4eba\u7684\u53d7\u4f24\u6216\u635f\u5931\uff0c\u8be5\u4ed6\u4eba\u53ef\u5411\u6cd5\u9662\u63d0\u8d77\u8bc9\u8bbc\u8bf7\u6c42\u635f\u5bb3\u8d54\u507f\uff0c\u8fd9\u79cd\u8d54\u507f\u91d1\u989d\u751a\u5927\uff0c\u65ad\u975e\u4e2a\u4eba\u80fd\u529b\u6240\u80fd\u8d1f\u62c5\uff0c\u56e0\u6b64\u6cd5\u5f8b\u89c4\u5b9a\u5f3a\u5236\u6c7d\u8f66\u9a7e\u9a76\u4eba\u5fc5\u987b\u6295\u4fdd\u8d23\u4efb\u9669\u3002\u5982\u679c\u88ab\u4fdd\u9669\u4eba\u8087\u4e8b\uff0c\u4fdd\u9669\u516c\u53f8\u53ea\u7406\u8d54\u53d7\u5bb3\u7684\u5bf9\u65b9\u3002\u4f8b\u5b50\u4f60\u53ea\u4fdd\u4e00\u4e07\u4e94\u5343\u5143\uff0c\u800c\u8f66\u7978\u8d85\u8fc7\u6b64\u6570\uff0c\u4f60\u5c31\u8981\u81ea\u5df1\u8d54\u3002<\/p>\n
\u5168\u9669\uff08Comprehensive\uff09\uff1a\u4fdd\u9669\u5185\u5bb9\u5305\u62ec\u7531\u706b\u707e\u3001\u5931\u7a83\u53ca\u914d\u4ef6\u5931\u7a83\u3001\u7206\u70b8\u3001\u5730\u9707\u7b49\u975e\u8f66\u7978\u78b0\u649e\u6240\u5f15\u8d77\u7684\u635f\u5931\u3002\u8fd9\u9879\u53ef\u4ee5\u81ea\u7531\u9009\u62e9\uff0c\u52a0\u4fdd\u7684\u8bdd\u4fdd\u8d39\u5f53\u7136\u8f83\u9ad8\u4e9b\u3002<\/p>\n
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1.\u8d8a\u8010\u649e\u7684\u6c7d\u8f66\u4fdd\u8d39\u8d8a\u4fbf\u5b9c\u3002\u6839\u636e\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8Esurance\u8868\u793a\u8d8a\u5b89\u5168\u4e0e\u8010\u649e\u7684\u6c7d\u8f66\u4fdd\u8d39\u8d8a\u4fbf\u5b9c\u3002\u6bcf\u5e74\u653f\u5e9c\u4e0e\u5404\u673a\u5173\u5355\u4f4d\u90fd\u4f1a\u63a8\u51fa\u5404\u5f0f\u8f66\u79cd\u7684\u8010\u649e\u5b89\u5168\u62a5\u544a\u4e66\uff0c\u4f8b\u5982\u56fd\u5bb6\u9ad8\u901f\u516c\u8def\u6c7d\u8f66\u5b89\u5168\u534f\u4f1a(NHTSA)\u7b49\uff0c\u53ea\u8981\u662f\u5728\u699c\u4e0a\u6709\u540d\u7684\u8010\u649e\u5b89\u5168\u8f66\u8f86\uff0c\u5176\u4fdd\u8d39\u4e5f\u4f1a\u6bd4\u4e00\u822c\u8f66\u8f86\u4fbf\u5b9c\uff0c\u6240\u4ee5\u7701\u94b1\u7b2c\u4e00\u6b65\u53ef\u5230\u56fd\u5bb6\u9ad8\u901f\u516c\u8def\u6c7d\u8f66\u5b89\u5168\u534f\u4f1a(NHTSA)\u7f51\u7ad9\u4e0a\u67e5\u8be2\u54ea\u4e9b\u8f66\u5b50\u662f\u8010\u649e\u53c8\u5b89\u5168\u7684\u597d\u8f66\u3002<\/p>\n
2.\u81ea\u52a8\u5b89\u5168\u5e26\u88c5\u7f6e\u4e5f\u53ef\u4e3a\u4f60\u7701\u94b1\u3002\u6839\u636e\u7edf\u8ba1\uff0c\u6bcf\u5e74\u5728\u51fa\u8f66\u7978\u65f6\uff0c\u5b89\u5168\u5e26\u81f3\u5c11\u53ef\u4ee5\u4fdd\u4f4f\u4e00\u4e07\u6761\u4ee5\u4e0a\u7684\u5b9d\u8d35\u6027\u547d\u3002\u6240\u4ee5\u82e5\u6c7d\u8f66\u914d\u6709\u81ea\u52a8\u7cfb\u4e0a\u5b89\u5168\u5e26\u7684\u88c5\u7f6e\uff0c\u5373\u53ef\u4fdd\u8bc1\u5728\u51fa\u610f\u5916\u65f6\u4e58\u5ba2\u751f\u547d\u5b89\u5168\uff0c\u4fdd\u9669\u516c\u53f8\u81ea\u7136\u53ef\u4ee5\u51cf\u5c11\u7406\u8d54\u652f\u51fa\uff0c\u5f53\u7136\u613f\u610f\u5c06\u4f4e\u4fdd\u8d39\u3002<\/p>\n
3.\u5b89\u5168\u6c14\u56ca\u4fdd\u547d\u4e5f\u4fdd\u94b1\u3002\u5b89\u5168\u6c14\u56ca\u5c31\u548c\u4fdd\u9669\u4e00\u6837\uff0c\u7528\u4e0d\u5230\u7684\u65f6\u5019\uff0c\u4f60\u4f1a\u5acc\u5b83\u767d\u82b1\u94b1\uff0c\u7136\u800c\u4e00\u65e6\u7528\u4e0a\u4e86\uff0c\u4f60\u5374\u4f1a\u5e86\u5e78\u201c\u8fd8\u597d\u6709\u5b83\u201d\uff0c\u6240\u4ee5\u914d\u6709\u5b89\u5168\u6c14\u56ca\u7684\u6c7d\u8f66\u4fdd\u8d39\u8f83\u4f4e\u3002<\/p>\n
4.\u5934\u90e8\u4fdd\u62a4\u88c5\u7f6eHead injury protection\u662f\u7701\u94b1\u88c5\u7f6e\u3002\u8bb8\u591a\u4eba\u4e0d\u77e5\u9053\u8bb8\u591a\u6c7d\u8f66\u914d\u6709\u8fd9\u9879\u5b89\u5168\u88c5\u7f6e\uff0c\u5f53\u6c7d\u8f66\u53d1\u751f\u51b2\u51fb\u65f6\uff0c\u5934\u90e8\u4fdd\u62a4\u88c5\u7f6e\u53ef\u4ee5\u9884\u9632\u8f66\u4e3b\u5728\u9ad8\u901f\u649e\u51fb\u65f6\uff0c\u9888\u90e8\u53d7\u4f24\u3002<\/p>\n
5.ABS\u9632\u6b7b\u9501\u715e\u8f66\u7cfb\u7edf\u662f\u5fc5\u5907\u7684\u7701\u94b1\u88c5\u7f6e\u3002\u8fd1\u5e74\u6765\u7531\u4e8e\u6d88\u8d39\u8005\u5bf9\u5b89\u5168\u7684\u91cd\u89c6\uff0c\u5927\u90e8\u4efd\u7684\u8f66\u5b50\u90fd\u5df2\u5c06ABS\u9632\u6b7b\u9501\u715e\u8f66\u7cfb\u7edf\u5217\u4e3a\u6807\u51c6\u914d\u5907\u3002\u6ca1\u6709ABS\u65f6\uff0c\u5f53\u7d27\u6025\u715e\u8f66\u901a\u5e38\u4f1a\u9020\u6210\u8f6e\u80ce\u6b7b\u9501\uff0c\u9020\u6210\u540e\u8f6e\u5931\u53bb\u4fa7\u5411\u6293\u5730\u529b\uff0c\u800c\u53d8\u6210\u8f66\u884c\u65b9\u5411\u65e0\u6cd5\u63a7\u5236\uff0c\u6700\u540e\u9020\u6210\u8f66\u7978\uff0c\u6240\u4ee5ABS\u914d\u5907\u662f\u4e00\u9879\u975e\u5e38\u91cd\u8981\u7684\u5b89\u5168\u914d\u5907\u3002\u5982\u679c\u4f60\u7684\u7231\u8f66\u914d\u6709ABS\u9632\u6b7b\u9501\u715e\u8f66\u7cfb\u7edf\u5fc5\u5907\u7684\u88c5\u7f6e\uff0c\u8bb0\u5f97\u5728\u4e70\u4fdd\u9669\u65f6\u544a\u8bc9\u4f60\u7684\u4fdd\u9669\u5458\u3002<\/p>\n
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