{"id":17850,"date":"2026-08-18T18:58:48","date_gmt":"2026-08-18T18:58:48","guid":{"rendered":"https:\/\/denglaw.com\/?p=17850"},"modified":"2026-08-18T18:58:48","modified_gmt":"2026-08-18T18:58:48","slug":"%e9%86%ab%e7%99%82%e8%b2%bb%e7%94%a8%e8%b6%85%e9%81%8e%e4%bf%9d%e9%9a%aa%e7%90%86%e8%b3%a0%e4%b8%8a%e9%99%90","status":"publish","type":"post","link":"https:\/\/denglaw.com\/zh-hant\/%e9%86%ab%e7%99%82%e8%b2%bb%e7%94%a8%e8%b6%85%e9%81%8e%e4%bf%9d%e9%9a%aa%e7%90%86%e8%b3%a0%e4%b8%8a%e9%99%90\/","title":{"rendered":"\u7576\u91ab\u7642\u8cbb\u7528\u8d85\u904e\u8087\u4e8b\u99d5\u99db\u4eba\u5728\u52a0\u5dde\u7684\u4fdd\u96aa\u7406\u8ce0\u4e0a\u9650\u6642,\u6703\u767c\u751f\u4ec0\u9ebc\u4e8b?"},"content":{"rendered":"<p>\u5728\u67d4\u4f3c\u871c\u6216\u6d1b\u6749\u78ef\u7e23\u4efb\u4f55\u5730\u5340\u767c\u751f\u56b4\u91cd\u8eca\u798d\u5f8c,\u767c\u73fe\u81ea\u5df1\u7684\u91ab\u7642\u8cbb\u7528\u9060\u9060\u8d85\u904e\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u4fdd\u96aa\u7406\u8ce0\u984d\u5ea6,\u9019\u7a2e\u611f\u89ba\u53ef\u80fd\u4ee4\u4eba\u76f8\u7576\u7d55\u671b\u3002\u60a8\u9075\u5b88\u4e86\u6240\u6709\u7684\u898f\u5247,\u662f\u5c0d\u65b9\u99d5\u99db\u4eba\u9020\u6210\u4e86\u9019\u5834\u78b0\u649e\u4e8b\u6545,\u7136\u800c\u5176\u6700\u4f4e\u984d\u5ea6\u7684\u4fdd\u96aa\u4fdd\u55ae,\u537b\u5e7e\u4e4e\u7121\u6cd5\u5f4c\u88dc\u60a8\u65e5\u76ca\u589e\u52a0\u7684\u91ab\u7642\u8cbb\u7528\u3002\u9019\u7a2e\u60c5\u6cc1\u5728\u52a0\u5dde\u5404\u5730\u767c\u751f\u7684\u983b\u7387,\u9060\u6bd4\u5927\u591a\u6578\u4eba\u6240\u60f3\u50cf\u7684\u66f4\u70ba\u983b\u7e41,\u4f7f\u50b7\u5bb3\u53d7\u5bb3\u8005\u4e0d\u7981\u64d4\u6182,\u81ea\u5df1\u8a72\u5982\u4f55\u8ca0\u64d4\u8feb\u5207\u9700\u8981\u7684\u91ab\u7642\u7167\u8b77\u8cbb\u7528\u3002<\/p>\n<p>\u5728\u9127\u6d2a\u5f8b\u5e2b\u4e8b\u52d9\u6240,\u6211\u5011\u5df2\u82b1\u8cbb\u8d85\u904e28\u5e74\u7684\u6642\u9593,\u5354\u52a9\u67d4\u4f3c\u871c\u3001\u6d1b\u6749\u78ef\u53ca\u5357\u52a0\u5dde\u5404\u5730\u7684\u4e8b\u6545\u53d7\u5bb3\u8005,\u8655\u7406\u6b63\u662f\u9019\u985e\u7684\u60c5\u6cc1\u3002\u6211\u5011\u7684\u96d9\u8a9e\u6cd5\u5f8b\u5718\u968a,\u6df1\u77e5\u6211\u5011\u7684\u83ef\u8a9e\u793e\u5340\u5728\u9762\u5c0d\u4fdd\u96aa\u984d\u5ea6\u4e0d\u8db3\u7684\u60c5\u6cc1\u6642,\u6240\u627f\u53d7\u7684\u8ca1\u52d9\u58d3\u529b,\u4ee5\u53ca\u6587\u5316\u5c64\u9762\u7684\u9867\u616e\u3002\u7121\u8ad6\u60a8\u7684\u91ab\u7642\u8cbb\u7528\u5df2\u7d93\u8d85\u904e\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u4fdd\u96aa\u7406\u8ce0\u4e0a\u9650,\u9084\u662f\u60a8\u64d4\u5fc3\u60c5\u6cc1\u53ef\u80fd\u5982\u6b64,\u4e86\u89e3\u81ea\u8eab\u7684\u6cd5\u5f8b\u9078\u9805,\u662f\u78ba\u4fdd\u60a8\u7372\u5f97\u61c9\u5f97\u5b8c\u6574\u8ce0\u511f\u7684\u95dc\u9375\u7b2c\u4e00\u6b65\u3002<\/p>\n<p>\u9019\u4efd\u5b8c\u6574\u6307\u5357\u5c07\u63a2\u8a0e,\u7576\u52a0\u5dde\u7684\u91ab\u7642\u8cbb\u7528\u8d85\u904e\u4fdd\u96aa\u7406\u8ce0\u4e0a\u9650\u6642\u6703\u767c\u751f\u4ec0\u9ebc\u4e8b,\u6aa2\u8996\u591a\u7a2e\u722d\u53d6\u984d\u5916\u8ce0\u511f\u7684\u9014\u5f91,\u4e26\u8aaa\u660e\u7d93\u9a57\u8c50\u5bcc\u7684<a href=\"https:\/\/denglaw.com\/zh-hant\/personal-injury\/\"><u>\u4eba\u8eab\u50b7\u5bb3\u5f8b\u5e2b<\/u><\/a>,\u5373\u4f7f\u5728\u8087\u4e8b\u99d5\u99db\u4eba\u770b\u4f3c\u300c\u7121\u529b\u8ce0\u511f\u300d\u7684\u60c5\u6cc1\u4e0b,\u5982\u4f55\u70ba\u60a8\u722d\u53d6\u6700\u5927\u5316\u7684\u548c\u89e3\u91d1\u984d\u3002<\/p>\n<h3>\u4e86\u89e3\u52a0\u5dde\u6700\u4f4e\u8cac\u4efb\u984d\u5ea6\u8207\u73fe\u5be6\u4e16\u754c\u91ab\u7642\u8cbb\u7528\u4e4b\u9593\u7684\u843d\u5dee<\/h3>\n<h4>\u52a0\u5dde\u76ee\u524d\u7684\u6700\u4f4e\u4fdd\u96aa\u898f\u5b9a<\/h4>\n<p>\u81ea2025\u5e741\u67081\u65e5\u8d77,<a href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/insurance-requirements\/\" target=\"_blank\" rel=\"nofollow 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noopener\"><u>\u52a0\u5dde\u4fdd\u96aa\u6cd5\u7b2c11580.1b\u689d<\/u><\/a>,\u4ee3\u8868\u99d5\u99db\u4eba\u5fc5\u9808\u7dad\u6301\u7684\u6700\u4f4e\u4fdd\u969c\u984d\u5ea6\u3002\u96d6\u7136\u9019\u4e9b\u984d\u5ea6\u5df2\u5f9e\u5148\u524d\u768415,000\u7f8e\u5143\/30,000\u7f8e\u5143\/5,000\u7f8e\u5143\u6709\u6240\u63d0\u9ad8,\u4f46\u7576\u767c\u751f\u56b4\u91cd\u50b7\u5bb3\u6642,\u9019\u4e9b\u984d\u5ea6\u4ecd\u7136\u9060\u9060\u4e0d\u8db3\u3002<\/p>\n<p>\u8a31\u591a\u52a0\u5dde\u99d5\u99db\u4eba\u50c5\u6295\u4fdd\u9019\u4e9b\u6700\u4f4e\u984d\u5ea6,\u539f\u56e0\u53ef\u80fd\u662f\u70ba\u4e86\u7bc0\u7701\u4fdd\u8cbb,\u6216\u662f\u4ed6\u5011\u4e26\u4e0d\u4e86\u89e3\u4e2d\u5ea6\u81f3\u91cd\u5ea6\u78b0\u649e\u4e8b\u6545\u5f8c,\u91ab\u7642\u6cbb\u7642\u7684\u5be6\u969b\u8cbb\u7528\u6709\u591a\u9ad8\u3002<\/p>\n<h2>\u73fe\u5be6\u4e2d\u7684\u73fe\u4ee3\u91ab\u7642\u8cbb\u7528<\/h2>\n<p>\u52a0\u5dde\u6700\u4f4e\u4fdd\u96aa\u898f\u5b9a\u984d\u5ea6,\u8207\u5be6\u969b\u91ab\u7642\u8cbb\u7528\u4e4b\u9593\u7684\u843d\u5dee,\u5df2\u64f4\u5927\u81f3\u4ee4\u4eba\u64d4\u6182\u7684\u7a0b\u5ea6\u3002\u4ee5\u4e0b\u662f\u6211\u5011\u5728\u6d1b\u6749\u78ef\u5730\u5340\u5f9e\u4e8b\u4eba\u8eab\u50b7\u5bb3\u57f7\u696d28\u5e74\u9593\u6240\u898b\u7684\u771f\u5be6\u6848\u4f8b:<\/p>\n<p><strong>\u6025\u8a3a\u6cbb\u7642\u8207\u4f4f\u9662<\/strong>:<\/p>\n<ul>\n<li>\u542b\u5f71\u50cf\u6aa2\u67e5\u7684\u6025\u8a3a\u5c31\u91ab:3,000\u81f38,000\u7f8e\u5143<\/li>\n<li>\u52a0\u5dde\u4f4f\u9662\u4e00\u665a:4,300\u81f37,000\u7f8e\u5143<\/li>\n<li>\u52a0\u8b77\u75c5\u623f\u6bcf\u65e5\u7167\u8b77\u8cbb\u7528:5,000\u81f312,000\u7f8e\u5143<\/li>\n<li>\u6551\u8b77\u8eca\u63a5\u9001:1,400\u81f33,000\u7f8e\u5143<\/li>\n<\/ul>\n<p><strong>\u5916\u79d1\u624b\u8853\u4ecb\u5165<\/strong>:<\/p>\n<ul>\n<li>\u9aa8\u79d1\u624b\u8853(\u9aa8\u6298):15,000\u81f350,000\u7f8e\u5143<\/li>\n<li>\u810a\u690e\u878d\u5408\u624b\u8853:50,000\u81f3150,000\u7f8e\u5143<\/li>\n<li>\u5168\u819d\u6216\u5168\u9ad6\u95dc\u7bc0\u7f6e\u63db\u624b\u8853:25,000\u81f370,000\u7f8e\u5143<\/li>\n<li>\u8166\u90e8\u624b\u8853:150,000\u81f3400,000\u7f8e\u5143\u4ee5\u4e0a<\/li>\n<\/ul>\n<p><strong>\u6301\u7e8c\u6027\u6cbb\u7642<\/strong>:<\/p>\n<ul>\n<li>\u7269\u7406\u6cbb\u7642(\u6d1b\u6749\u78ef\u5730\u5340\u6bcf\u6b21\u7642\u7a0b\u8cbb\u7528):140\u81f3250\u7f8e\u5143<\/li>\n<li>\u6578\u6708\u5fa9\u5065\u7642\u7a0b:15,000\u81f350,000\u7f8e\u5143<\/li>\n<li>\u75bc\u75db\u7ba1\u7406\u6cbb\u7642:10,000\u81f340,000\u7f8e\u5143<\/li>\n<li>\u5fc3\u7406\u8aee\u5546\u8f14\u5c0e:8,000\u81f325,000\u7f8e\u5143<\/li>\n<\/ul>\n<p><strong>\u9577\u671f\u7167\u8b77\u9700\u6c42<\/strong>:<\/p>\n<ul>\n<li>\u5c45\u5bb6\u91ab\u7642\u7167\u8b77:\u6bcf\u67084,000\u81f38,000\u7f8e\u5143<\/li>\n<li>\u91ab\u7642\u5668\u6750\u8207\u5c45\u5bb6\u6539\u9020:10,000\u81f350,000\u7f8e\u5143<\/li>\n<li>\u8655\u65b9\u85e5\u7269:\u6bcf\u6708500\u81f33,000\u7f8e\u5143<\/li>\n<li>\u672a\u4f86\u624b\u8853\u7a0b\u5e8f\u8cbb\u7528\u5dee\u7570\u751a\u5927<\/li>\n<\/ul>\n<p>\u7576\u60a8\u8003\u91cf\u5230,\u4e00\u500b\u9700\u8981\u624b\u8853\u3001\u4f4f\u9662,\u4e26\u63a5\u53d7\u6578\u6708\u7269\u7406\u6cbb\u7642\u7684\u4e2d\u5ea6\u50b7\u5bb3,\u4fbf\u80fd\u8f15\u6613\u7522\u751f10\u842c\u81f320\u842c\u7f8e\u5143\u7684\u91ab\u7642\u8cbb\u7528\u6642,\u52a0\u5dde3\u842c\u7f8e\u5143\u7684\u6700\u4f4e\u4fdd\u96aa\u984d\u5ea6,\u986f\u7136\u660e\u986f\u4e0d\u8db3\u3002\u82e5\u6d89\u53ca\u5275\u50b7\u6027\u8166\u640d\u50b7\u3001\u810a\u9ad3\u640d\u50b7,\u6216\u591a\u8655\u9aa8\u6298\u7684\u707d\u96e3\u6027\u50b7\u5bb3,\u6240\u7522\u751f\u7684\u91ab\u7642\u8cbb\u7528\u53ef\u80fd\u8d85\u904e50\u842c\u7f8e\u5143,\u800c\u5728\u6700\u56b4\u91cd\u7684\u6848\u4f8b\u4e2d,\u751a\u81f3\u53ef\u80fd\u9ad8\u9054\u6578\u767e\u842c\u7f8e\u5143\u3002<\/p>\n<h3>\u9019\u9053\u843d\u5dee\u70ba\u4f55\u5b58\u5728,\u4ee5\u53ca\u5c0d\u53d7\u5bb3\u8005\u800c\u8a00\u610f\u5473\u8457\u4ec0\u9ebc<\/h3>\n<p>\u57282025\u5e74\u8abf\u5347\u4e4b\u524d,\u52a0\u5dde\u7684\u6700\u4f4e\u4fdd\u96aa\u984d\u5ea6\u5df2\u670956\u5e74\u672a\u66fe\u8abf\u6574;\u5148\u524d\u768415,000\u7f8e\u5143\/30,000\u7f8e\u5143\/5,000\u7f8e\u5143\u984d\u5ea6,\u81ea1967\u5e74\u8d77\u4fbf\u4e00\u76f4\u7dad\u6301\u4e0d\u8b8a\u3002\u96d6\u7136\u53c3\u8b70\u9662\u7b2c1107\u865f\u6cd5\u6848(\u300a\u4fdd\u8b77\u52a0\u5dde\u99d5\u99db\u4eba\u6cd5\u6848\u300b)\u5df2\u5c07\u4eba\u8eab\u50b7\u5bb3\u6700\u4f4e\u4fdd\u96aa\u984d\u5ea6\u8abf\u5347\u4e00\u500d,\u81ea2025\u5e741\u67081\u65e5\u8d77\u5be6\u65bd\u70ba30,000\u7f8e\u5143\/60,000\u7f8e\u5143\/15,000\u7f8e\u5143,\u4f46\u9019\u9805\u65b0\u7684\u4e0a\u9650\u984d\u5ea6,\u4ecd\u9060\u9060\u4e0d\u53ca\u73fe\u5be6\u4e16\u754c\u4e2d\u7684\u91ab\u7642\u8cbb\u7528\u3002\u81ea2000\u5e74\u4ee5\u4f86,\u91ab\u7642\u7167\u8b77\u8cbb\u7528\u5df2\u4e0a\u6f32\u7d04121%,\u5149\u662f\u904e\u53bb\u5341\u5e74\u9593\u4fbf\u4e0a\u6f32\u7d0430%,\u6f32\u5e45\u9060\u9060\u8d85\u904e\u4e00\u822c\u901a\u8ca8\u81a8\u8139\u7387\u3002\u55ae\u55ae\u4e00\u6b21\u6025\u8a3a\u5c31\u91ab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href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202120220SB1107\" target=\"_blank\" rel=\"nofollow noopener\"><u>SB 1107\u6cd5\u6848<\/u><\/a>\u5be9\u8b70\u671f\u9593,\u5c0d\u4fdd\u8cbb\u8ca0\u64d4\u80fd\u529b\u63d0\u51fa\u4e86\u7591\u616e\u3002<\/p>\n<p>\u9019\u9053\u7cfb\u7d71\u6027\u7684\u843d\u5dee,\u5c07\u8ca0\u64d4\u5b8c\u5168\u8f49\u5ac1\u5230\u4e8b\u6545\u53d7\u5bb3\u8005\u8eab\u4e0a\u3002\u7576\u8087\u4e8b\u99d5\u99db\u4eba\u50c5\u6295\u4fdd\u6700\u4f4e\u984d\u5ea6\u7684\u4fdd\u96aa\u6642,\u60a8\u5c07\u9762\u81e8\u4e00\u500b\u95dc\u9375\u554f\u984c:\u5269\u4e0b\u90a37\u842c\u7f8e\u5143\u300110\u842c\u7f8e\u5143\u300120\u842c\u7f8e\u5143,\u751a\u81f3\u66f4\u591a\u4fdd\u96aa\u7121\u6cd5\u6db5\u84cb\u7684\u8cbb\u7528,\u6211\u8a72\u5982\u4f55\u7372\u5f97\u8ce0\u511f?<\/p>\n<h2>\u900f\u904e\u60a8\u81ea\u5df1\u7684\u4fdd\u96aa\u516c\u53f8,\u722d\u53d6\u4fdd\u96aa\u4e0d\u8db3\u99d5\u99db\u4eba(UIM)\u4fdd\u969c<\/h2>\n<h3>\u4ec0\u9ebc\u662f\u4fdd\u96aa\u4e0d\u8db3\u99d5\u99db\u4eba\u4fdd\u969c?<\/h3>\n<p><a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/auto101.cfm#:~:text=Uninsured%20Motorist%20Coverage%20(UMC)%20\/Underinsured%20Motorist%20Coverage%20(UIM)\" target=\"_blank\" rel=\"nofollow noopener\"><u>\u4fdd\u96aa\u4e0d\u8db3\u99d5\u99db\u4eba(UIM)\u4fdd\u969c<\/u><\/a>\u662f\u60a8\u81ea\u5df1\u6c7d\u8eca\u4fdd\u55ae\u4e2d,\u4e00\u9805\u53ef\u9078\u64c7\u6295\u4fdd\u3001\u4f46\u6975\u5177\u50f9\u503c\u7684\u4fdd\u969c\u9805\u76ee\u3002\u7576\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u8cac\u4efb\u4fdd\u96aa\u4e0d\u8db3\u4ee5\u5f4c\u88dc\u60a8\u7684\u640d\u5bb3\u6642,\u6b64\u9805\u4fdd\u969c\u4fbf\u80fd\u70ba\u60a8\u63d0\u4f9b\u4fdd\u969c\u3002\u52a0\u5dde\u4fdd\u96aa\u6cd5\u898f\u5b9a,\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u5411\u6240\u6709\u6295\u4fdd\u4eba\u63d0\u4f9bUIM\u4fdd\u969c,\u4f46\u99d5\u99db\u4eba\u53ef\u4ee5\u66f8\u9762\u65b9\u5f0f\u62d2\u7d55\u6295\u4fdd\u3002<\/p>\n<p>UIM\u4fdd\u969c\u8207\u7121\u4fdd\u96aa\u99d5\u99db\u4eba(UM)\u4fdd\u969c\u6709\u6240\u4e0d\u540c,\u5f8c\u8005\u9069\u7528\u65bc\u8087\u4e8b\u99d5\u99db\u4eba\u5b8c\u5168\u6c92\u6709\u6295\u4fdd\u7684\u60c5\u6cc1\u3002\u8a31\u591a\u52a0\u5dde\u4fdd\u55ae\u6703\u5c07\u9019\u5169\u9805\u4fdd\u969c\u5408\u4f75\u70baUM\/UIM\u4fdd\u969c,\u7121\u8ad6\u8087\u4e8b\u99d5\u99db\u4eba\u662f\u5b8c\u5168\u7121\u4fdd\u96aa,\u9084\u662f\u4fdd\u96aa\u984d\u5ea6\u4e0d\u8db3,\u5747\u80fd\u63d0\u4f9b\u5168\u9762\u6027\u7684\u4fdd\u969c\u3002<\/p>\n<h3>UIM\u4fdd\u969c\u5728\u52a0\u5dde\u5982\u4f55\u904b\u4f5c<\/h3>\n<p>\u52a0\u5dde\u91dd\u5c0dUIM\u4fdd\u969c\u7684\u9069\u7528\u6642\u6a5f\u8207\u65b9\u5f0f,\u8a2d\u6709\u7279\u5b9a\u898f\u5b9a\u3002\u4e86\u89e3\u9019\u4e9b\u898f\u5b9a\u81f3\u95dc\u91cd\u8981,\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u7d93\u5e38\u8a66\u5716\u62d2\u7d55\u7406\u8ce0,\u6216\u964d\u4f4eUIM\u6c42\u511f\u7684\u91d1\u984d\u3002<\/p>\n<p><strong>\u4fdd\u96aa\u984d\u5ea6\u7528\u7f44\u8981\u6c42<\/strong>:\u6839\u64da\u52a0\u5dde\u6cd5\u5f8b,\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u8cac\u4efb\u4fdd\u96aa\u984d\u5ea6\u5fc5\u9808\u5148\u7528\u7f44,\u60a8\u7684UIM\u4fdd\u969c\u624d\u6703\u555f\u52d5\u3002\u300c\u7528\u7f44\u300d\u610f\u6307\u8ca0\u6709\u8cac\u4efb\u7684\u99d5\u99db\u4eba\u6240\u6295\u4fdd\u7684\u4fdd\u96aa\u516c\u53f8,\u5df2\u652f\u4ed8\u5b8c\u5176\u4fdd\u55ae\u7684\u5168\u90e8\u7406\u8ce0\u984d\u5ea6\u3002\u60a8\u7121\u6cd5\u76f4\u63a5\u8df3\u904e\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u4fdd\u96aa,\u76f4\u63a5\u52d5\u7528\u60a8\u7684UIM\u4fdd\u969c\u3002<\/p>\n<p><strong>\u7bc4\u4f8b\u60c5\u5883<\/strong>:<\/p>\n<ul>\n<li>\u60a8\u7684\u91ab\u7642\u8cbb\u7528\u7e3d\u984d:150,000\u7f8e\u5143<\/li>\n<li>\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u8cac\u4efb\u4fdd\u96aa\u984d\u5ea6:30,000\u7f8e\u5143<\/li>\n<li>\u60a8\u7684UIM\u4fdd\u969c\u984d\u5ea6:100,000\u7f8e\u5143<\/li>\n<li>\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u4fdd\u96aa\u516c\u53f8\u652f\u4ed830,000\u7f8e\u5143<\/li>\n<li>\u60a8\u7684UIM\u4fdd\u969c\u63a5\u8457\u53ef\u63d0\u4f9b\u6700\u591a70,000\u7f8e\u5143\u7684\u984d\u5916\u8ce0\u511f(100,000\u7f8e\u5143\u984d\u5ea6\u6e1b\u53bb\u5df2\u6263\u62b5\u768430,000\u7f8e\u5143)<\/li>\n<li>\u6f5b\u5728\u7684\u8ce0\u511f\u7e3d\u984d:100,000\u7f8e\u5143<\/li>\n<li>\u5269\u9918\u9808\u81ea\u884c\u8ca0\u64d4\u7684\u5dee\u984d:50,000\u7f8e\u5143<\/li>\n<\/ul>\n<p><strong>\u6263\u62b5\u898f\u5247<\/strong>:\u52a0\u5dde\u5c0dUIM\u6c42\u511f\u63a1\u7528\u300c\u6263\u62b5\u300d\u7684\u8a08\u7b97\u65b9\u5f0f\u3002\u60a8\u7684UIM\u4fdd\u96aa\u516c\u53f8,\u6703\u5f9e\u60a8\u7684UIM\u4fdd\u55ae\u984d\u5ea6\u4e2d,\u6263\u9664\u8087\u4e8b\u99d5\u99db\u4eba\u4fdd\u96aa\u5df2\u652f\u4ed8\u7684\u91d1\u984d\u3002\u5728\u4e0a\u8ff0\u7bc4\u4f8b\u4e2d,\u60a8\u7684UIM\u984d\u5ea6\u70ba100,000\u7f8e\u5143,\u800c\u60a8\u5df2\u5f9e\u8087\u4e8b\u99d5\u99db\u4eba\u8655\u7372\u5f9730,000\u7f8e\u5143\u7684\u8ce0\u511f,\u56e0\u6b64\u60a8\u80fd\u7372\u5f97\u7684UIM\u8ce0\u511f\u4e0a\u9650\u70ba70,000\u7f8e\u5143(\u800c\u975e100,000\u7f8e\u5143)\u3002<\/p>\n<p>\u9019\u7a2e\u6263\u62b5\u65b9\u5f0f,\u8207\u90e8\u5206\u5176\u4ed6\u5dde\u6240\u63a1\u7528\u7684\u300c\u88dc\u5145\u6027\u300d\u4fdd\u969c\u4e0d\u540c\u2014\u2014\u5728\u90a3\u4e9b\u5dde,UIM\u4fdd\u969c\u662f\u5728\u8087\u4e8b\u99d5\u99db\u4eba\u5df2\u652f\u4ed8\u7684\u8ce0\u511f\u91d1\u984d\u4e4b\u4e0a\u984d\u5916\u758a\u52a0,\u4e0d\u6703\u6709\u6240\u6263\u6e1b\u3002<\/p>\n<h3>\u52a0\u5dde\u5e38\u898b\u7684UIM\u4fdd\u969c\u984d\u5ea6<\/h3>\n<p>\u7576\u6211\u5011\u5728\u67d4\u4f3c\u871c\u8fa6\u516c\u5ba4\u5be9\u8996\u7576\u4e8b\u4eba\u7684\u4fdd\u55ae\u6642,\u901a\u5e38\u6703\u770b\u5230\u4ee5\u4e0b\u5e7e\u7a2eUIM\u4fdd\u969c\u984d\u5ea6\u7bc4\u570d:<\/p>\n<ul>\n<li>\u6700\u4f4eUIM\u4fdd\u969c:30,000\u7f8e\u5143\/60,000\u7f8e\u5143(\u7b26\u5408\u52a0\u5dde\u81ea2025\u5e741\u67081\u65e5\u8d77\u7684\u6700\u4f4e\u8cac\u4efb\u4fdd\u96aa\u984d\u5ea6)<\/li>\n<li>\u6a19\u6e96UIM\u4fdd\u969c:100,000\u7f8e\u5143\/300,000\u7f8e\u5143<\/li>\n<li>\u52a0\u5f37\u578bUIM\u4fdd\u969c:250,000\u7f8e\u5143\/500,000\u7f8e\u5143<\/li>\n<li>\u9ad8\u968eUIM\u4fdd\u969c:500,000\u7f8e\u5143\/1,000,000\u7f8e\u5143\u6216\u66f4\u9ad8<\/li>\n<\/ul>\n<p>\u52a0\u5dde\u898f\u5b9a,\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u63d0\u4f9b\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\/>\n\u572830,000\u7f8e\u5143\u7684\u6c7d\u8eca\u4fdd\u55ae\u652f\u4ed8\u7406\u8ce0\u5f8c,\u5098\u8b77\u4fdd\u55ae\u5c07\u6db5\u84cb\u5269\u9918\u7684220,000\u7f8e\u5143<\/p>\n<p>\u771f\u6b63\u7684\u6311\u6230\u5728\u65bc,\u5982\u4f55\u767c\u73fe\u662f\u5426\u5b58\u5728\u5098\u8b77\u4fdd\u55ae\u3002\u4fdd\u96aa\u516c\u53f8\u4e0d\u6703\u4e3b\u52d5\u63ed\u9732\u984d\u5916\u7684\u4fdd\u969c\u5167\u5bb9,\u800c\u8087\u4e8b\u99d5\u99db\u4eba\u672c\u8eab\u4e5f\u7d93\u5e38\u4e0d\u6703\u63d0\u53ca\u6b64\u4e8b,\u539f\u56e0\u53ef\u80fd\u662f\u4ed6\u5011\u4e26\u4e0d\u4e86\u89e3\u81ea\u5df1\u6240\u6295\u4fdd\u7684\u4fdd\u969c\u5167\u5bb9,\u6216\u662f\u64d4\u5fc3\u81ea\u8eab\u8cac\u4efb\u98a8\u96aa\u56e0\u6b64\u64f4\u5927\u3002<\/p>\n<h2>\u767c\u6398\u984d\u5916\u4fdd\u969c\u7684\u8abf\u67e5\u6280\u5de7<\/h2>\n<p>\u6191\u85c9\u5728\u5357\u52a0\u5dde28\u5e74\u7684\u4eba\u8eab\u50b7\u5bb3\u57f7\u696d\u7d93\u9a57,\u6211\u5011\u5df2\u767c\u5c55\u51fa\u4e00\u5957\u884c\u4e4b\u6709\u6548\u7684\u65b9\u6cd5,\u80fd\u767c\u6398\u96b1\u85cf\u7684\u4fdd\u96aa\u4fdd\u969c\u8207\u8cc7\u7522:<\/p>\n<ol>\n<li><strong> 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01f\u548c\u89e3<\/li>\n<\/ul>\n<p><strong>\u4e0d\u5229\u65bc\u8ffd\u8a0e\u8cc7\u7522\u7684\u56e0\u7d20<\/strong>:<\/p>\n<ul>\n<li>\u8cc7\u7522\u6709\u9650,\u6216\u5df2\u80cc\u8ca0\u5927\u91cf\u50b5\u52d9<\/li>\n<li>\u5b58\u5728\u5ee3\u6cdb\u7684\u6cd5\u5f8b\u4fdd\u8b77(\u53ef\u80fd\u7533\u8acb\u7834\u7522\u3001\u7121\u529b\u8ce0\u511f\u72c0\u614b)<\/li>\n<li>\u640d\u5bb3\u7a0b\u5ea6\u9069\u4e2d,\u4fdd\u96aa\u5927\u81f4\u8db3\u4ee5\u6db5\u84cb<\/li>\n<li>\u7576\u4e8b\u4eba\u504f\u597d\u8f03\u5feb\u901f\u89e3\u6c7a\u6848\u4ef6<\/li>\n<li>\u8a34\u8a1f\u6210\u672c\u8d85\u904e\u53ef\u80fd\u7372\u5f97\u7684\u8ce0\u511f\u91d1\u984d<\/li>\n<\/ul>\n<p>\u6211\u5011\u5728\u67d4\u4f3c\u871c\u8fa6\u516c\u5ba4\u63d0\u4f9b\u514d\u8cbb\u8aee\u8a62\u6642,\u6703\u7d66\u4e88\u8aa0\u5be6\u7684\u8a55\u4f30\u3002\u6211\u5011\u5168\u5929\u5019\u63d0\u4f9b\u670d\u52d9,\u7576\u4e8b\u4eba\u82e5\u56e0\u65e5\u76ca\u589e\u52a0\u7684\u5e33\u55ae\u800c\u611f\u5230\u4e0d\u582a\u91cd\u8ca0,\u96a8\u6642\u53ef\u4ee5\u7528\u82f1\u8a9e\u3001\u570b\u8a9e\u6216\u7cb5\u8a9e,\u8a0e\u8ad6\u9019\u4e9b\u8907\u96dc\u7684\u6c7a\u5b9a\u3002<\/p>\n<h3>\u4ee5\u8a34\u8a1f\u5a01\u8105\u4f5c\u70ba\u5354\u5546\u7c4c\u78bc<\/h3>\n<p>\u6709\u6642\u5019,\u55ae\u55ae\u662f\u8ffd\u8a0e\u500b\u4eba\u8cc7\u7522\u7684\u5a01\u8105\u672c\u8eab,\u4fbf\u8db3\u4ee5\u4fc3\u4f7f\u8087\u4e8b\u99d5\u99db\u4eba\u53ca\u5176\u4fdd\u96aa\u516c\u53f8,\u63a1\u53d6\u66f4\u7a4d\u6975\u7684\u614b\u5ea6\u9032\u884c\u5354\u5546\u3002\u7576\u6211\u5011\u767c\u51fa\u6c42\u511f\u4fe1\u51fd,\u5217\u660e\u8087\u4e8b\u99d5\u99db\u4eba\u7684\u8cc7\u7522\u72c0\u6cc1,\u4ee5\u53ca\u6211\u5011\u5fc5\u8981\u6642\u5c07\u4e88\u4ee5\u8ffd\u8a0e\u7684\u610f\u5716\u6642,\u4fdd\u96aa\u516c\u53f8\u5f80\u5f80\u6703\u8a2d\u6cd5\u627e\u51fa\u984d\u5916\u7684\u4fdd\u969c\u5167\u5bb9,\u6216\u63d0\u9ad8\u548c\u89e3\u91d1\u984d\u3002<\/p>\n<p>\u4fdd\u96aa\u516c\u53f8\u6df1\u77e5,\u4e00\u65e6\u8a34\u8a1f\u5c55\u958b,\u8087\u4e8b\u99d5\u99db\u4eba\u5c07\u9762\u81e8\u500b\u4eba\u8ca1\u52d9\u7834\u7522\u7684\u98a8\u96aa\u3002\u9019\u6a23\u7684\u58d3\u529b,\u53ef\u80fd\u4fc3\u4f7f\u4fdd\u96aa\u516c\u53f8\u66f4\u5feb\u652f\u4ed8\u4fdd\u55ae\u984d\u5ea6\u4e0a\u9650,\u6216\u4fc3\u4f7f\u8087\u4e8b\u99d5\u99db\u4eba\u81ea\u884c\u63d0\u64a5\u500b\u4eba\u8cc7\u91d1,\u4ee5\u63d0\u9ad8\u548c\u89e3\u91d1\u984d,\u907f\u514d\u906d\u5230\u5224\u6c7a\u6c42\u511f\u3002<\/p>\n<h2>\u4eba\u8eab\u50b7\u5bb3\u5f8b\u5e2b\u5982\u4f55\u5354\u5546\u91ab\u9662\u7559\u7f6e\u6b0a,\u4ee5\u4fdd\u4f4f\u60a8\u7684\u548c\u89e3\u91d1<\/h2>\n<h3>\u4e86\u89e3\u52a0\u5dde\u7684\u91ab\u7642\u7559\u7f6e\u6b0a<\/h3>\n<p>\u7576\u60a8\u7684\u91ab\u7642\u8cbb\u7528\u8d85\u904e\u73fe\u6709\u4fdd\u96aa\u4fdd\u969c\u6642,\u722d\u53d6\u8ce0\u511f\u7684\u53e6\u4e00\u9805\u95dc\u9375\u74b0\u7bc0,\u4fbf\u6d89\u53ca\u91ab\u7642\u7559\u7f6e\u6b0a\u7684\u5354\u5546\u3002\u91ab\u7642\u7559\u7f6e\u6b0a,\u662f\u6307\u91ab\u7642\u670d\u52d9\u63d0\u4f9b\u8005\u5c0d\u60a8\u7684\u548c\u89e3\u91d1\u6240\u4e3b\u5f35\u7684\u6cd5\u5f8b\u6c42\u511f\u6b0a,\u4ee5\u78ba\u4fdd\u5176\u6240\u63d0\u4f9b\u6cbb\u7642\u670d\u52d9\u7372\u5f97\u7d66\u4ed8\u3002<\/p>\n<p>\u52a0\u5dde\u6cd5\u5f8b\u5141\u8a31\u591a\u7a2e\u6a5f\u69cb,\u5c0d\u4eba\u8eab\u50b7\u5bb3\u548c\u89e3\u91d1\u4e3b\u5f35\u7559\u7f6e\u6b0a:<\/p>\n<p><strong>\u91ab\u7642\u7559\u7f6e\u6b0a\u7684\u985e\u578b<\/strong>:<\/p>\n<ol>\n<li>\u91ab\u9662\u7559\u7f6e\u6b0a:\u52a0\u5dde\u6c11\u6cd5\u7b2c3045.1\u689d\u81f3\u7b2c3045.6\u689d(\u52a0\u5dde\u91ab\u9662\u7559\u7f6e\u6b0a\u6cd5)<\/li>\n<li>\u90e1\u7acb\u91ab\u9662\u7559\u7f6e\u6b0a:\u52a0\u5dde\u653f\u5e9c\u6cd5\u7b2c23004.1\u689d<\/li>\n<li>ERISA\u5065\u5eb7\u8a08\u756b\u7559\u7f6e\u6b0a:\u806f\u90a6ERISA\u6cd5(\u96c7\u4e3b\u81ea\u884c\u63d0\u64a5\u8cc7\u91d1\u7684\u8a08\u756b)<\/li>\n<li>\u806f\u90a6\u91ab\u7642\u4fdd\u96aa(Medicare)\u7559\u7f6e\u6b0a:\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u6b21\u8981\u7d66\u4ed8\u4eba\u6cd5(\u300a\u7f8e\u570b\u6cd5\u5178\u300b\u7b2c42\u7de8\u7b2c1395y\u689d)<\/li>\n<li>\u52a0\u5dde\u91ab\u7642\u6551\u52a9(Medi-Cal)\u7559\u7f6e\u6b0a:\u52a0\u5dde\u798f\u5229\u53ca\u6a5f\u69cb\u6cd5\u7b2c14124.70\u689d\u53ca\u5f8c\u7e8c\u689d\u6587<\/li>\n<li>\u79c1\u4eba\u5065\u5eb7\u4fdd\u96aa\u7559\u7f6e\u6b0a:\u57fa\u65bc\u5951\u7d04\u7684\u4ee3\u4f4d\u6c42\u511f\u6b0a,\u53d7\u52a0\u5dde\u6c11\u6cd5\u7b2c3040\u689d\u984d\u5ea6\u9650\u5236<\/li>\n<li>\u91ab\u7642\u670d\u52d9\u63d0\u4f9b\u8005\u7559\u7f6e\u6b0a:\u76f4\u63a5\u6cbb\u7642\u63d0\u4f9b\u8005\u5c31\u548c\u89e3\u91d1\u6c42\u511f<\/li>\n<\/ol>\n<p>\u7576\u60a8\u5728\u4e8b\u6545\u5f8c\u63a5\u53d7\u91ab\u7642\u6cbb\u7642\u6642,\u7121\u8ad6\u60a8\u662f\u5426\u6295\u4fdd\u5065\u5eb7\u4fdd\u96aa,\u91ab\u7642\u670d\u52d9\u63d0\u4f9b\u8005\u901a\u5e38\u6703\u671f\u671b\u5f9e\u60a8\u6700\u7d42\u7684\u548c\u89e3\u91d1\u4e2d\u7372\u5f97\u7d66\u4ed8\u3002\u96a8\u8457\u5e33\u55ae\u4e0d\u65b7\u7d2f\u7a4d,\u9019\u4e9b\u7559\u7f6e\u6b0a\u53ef\u80fd\u6703\u541e\u566c\u6389\u60a8\u6240\u7372\u8ce0\u511f\u4e2d\u76f8\u7576\u53ef\u89c0\u7684\u4e00\u90e8\u5206\u3002<\/p>\n<p><strong>\u7bc4\u4f8b\u60c5\u5883<\/strong>:<\/p>\n<ul>\n<li>\u7372\u5f97\u7684\u548c\u89e3\u91d1:100,000\u7f8e\u5143<\/li>\n<li>\u5f8b\u5e2b\u8cbb(\u52dd\u8a34\u916c\u91d133%,\u8a34\u8a1f\u524d\u968e\u6bb5):33,000\u7f8e\u5143<\/li>\n<li>\u6848\u4ef6\u76f8\u95dc\u8cbb\u7528(\u63d0\u544a\u898f\u8cbb\u3001\u75c5\u6b77\u8abf\u53d6\u3001\u5c08\u5bb6\u8cbb\u7528):2,000\u7f8e\u5143<\/li>\n<li>\u5408\u8a08\u91ab\u7642\u7559\u7f6e\u6b0a(\u91ab\u9662+ERISA\u8a08\u756b+\u6cbb\u7642\u63d0\u4f9b\u8005):60,000\u7f8e\u5143<\/li>\n<li>\u7576\u4e8b\u4eba\u6700\u7d42\u6240\u5f97:5,000\u7f8e\u5143<\/li>\n<\/ul>\n<p>\u82e5\u7121\u6709\u6548\u7684\u7559\u7f6e\u6b0a\u5354\u5546,\u4e8b\u6545\u53d7\u5bb3\u8005\u53ef\u80fd\u5728\u548c\u89e3\u5f8c\u4e00\u7121\u6240\u7372,\u751a\u81f3\u9084\u9808\u984d\u5916\u8ca0\u50b5\u3002\u9019\u6b63\u662f\u7d93\u9a57\u8c50\u5bcc\u7684\u4eba\u8eab\u50b7\u5bb3\u5f8b\u5e2b,\u80fd\u70ba\u7576\u4e8b\u4eba\u5e36\u4f86\u83ab\u5927\u50f9\u503c\u4e4b\u8655\u3002<\/p>\n<h3>\u52a0\u5dde\u7684\u7559\u7f6e\u6b0a\u5354\u5546\u6cd5\u898f<\/h3>\n<p>\u52a0\u5dde\u6cd5\u5f8b\u63d0\u4f9b\u591a\u9805\u4fdd\u8b77\u8207\u5354\u5546\u6846\u67b6,\u7d93\u9a57\u8c50\u5bcc\u7684\u5f8b\u5e2b\u6703\u5584\u52a0\u904b\u7528:<\/p>\n<p><a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=CIV&amp;sectionNum=3040.\" target=\"_blank\" rel=\"nofollow noopener\"><u><strong>\u52a0\u5dde\u6c11\u6cd5\u7b2c3040\u689d<\/strong><\/u><\/a>:\u6b64\u6cd5\u898f\u7684\u6c42\u511f\u91d1\u984d,\u70ba\u548c\u89e3\u91d1\u7684\u4e09\u5206\u4e4b\u4e00\u4ee5\u5167,\u524d\u63d0\u662f\u50b7\u5bb3\u53d7\u5bb3\u8005\u6709\u5f8b\u5e2b\u4ee3\u7406\u3002\u6b64\u9805\u4fdd\u8b77\u9069\u7528\u65bc\u79c1\u4eba\u5065\u5eb7\u4fdd\u96aa\u7684\u4ee3\u4f4d\u6c42\u511f\u4e3b\u5f35,\u4f46\u4e0d\u9069\u7528\u65bc\u806f\u90a6\u91ab\u7642\u4fdd\u96aa(Medicare)\u3001\u91ab\u7642\u88dc\u52a9(Medicaid)\u6216ERISA\u8a08\u756b(\u9019\u4e9b\u8a08\u756b\u4f9d\u806f\u90a6\u6cd5\u5f8b\u904b\u4f5c)\u3002<\/p>\n<p>\u9019\u9805\u4e09\u5206\u4e4b\u4e00\u7684\u4e0a\u9650\u898f\u5b9a,\u627f\u8a8d\u4e86\u4fdd\u96aa\u516c\u53f8\u4e26\u672a\u627f\u64d4\u8ffd\u8a0e\u6c42\u511f\u6240\u6d89\u53ca\u7684\u6210\u672c\u8207\u98a8\u96aa\u3002\u82e5\u7121\u6b64\u9805\u4fdd\u8b77,\u5065\u5eb7\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6703\u5f9e\u7576\u4e8b\u4eba\u6b77\u7d93\u8271\u8f9b\u722d\u53d6\u5230\u7684\u548c\u89e3\u91d1\u4e2d,\u53d6\u8d70\u4e0d\u6210\u6bd4\u4f8b\u7684\u4efd\u984d\u3002<\/p>\n<p><strong>\u91ab\u9662\u7559\u7f6e\u6b0a\u6e1b\u514d<\/strong>:\u52a0\u5dde\u91ab\u9662\u7559\u7f6e\u6b0a(\u6c11\u6cd5\u7b2c3045\u689d)\u53ef\u4f9b\u5354\u5546\u3002\u91ab\u9662\u901a\u5e38\u6703\u63a5\u53d7\u6e1b\u514d\u7559\u7f6e\u6b0a\u91d1\u984d\u768430%\u81f360%,\u5c24\u5176\u662f\u5728\u4ee5\u4e0b\u60c5\u6cc1\u4e0b:<\/p>\n<ul>\n<li>\u548c\u89e3\u91d1\u984d\u6709\u9650,\u4e0d\u8db3\u4ee5\u6db5\u84cb\u6240\u6709\u8cbb\u7528<\/li>\n<li>\u91ab\u9662\u50c5\u63d0\u4f9b\u4e86\u6025\u8a3a\u7167\u8b77,\u800c\u975e\u6301\u7e8c\u6027\u6cbb\u7642<\/li>\n<li>\u4e8b\u6545\u53d7\u5bb3\u8005\u6c92\u6709\u5176\u4ed6\u6c42\u511f\u4f86\u6e90<\/li>\n<li>\u9032\u884c\u8a34\u8a1f\u7684\u6210\u672c,\u5c07\u9ad8\u65bc\u6e1b\u514d\u6240\u7bc0\u7701\u7684\u91d1\u984d<\/li>\n<\/ul>\n<p>\u5728\u9127\u6d2a\u5f8b\u5e2b\u4e8b\u52d9\u6240,\u6211\u5011\u5df2\u5728\u8a31\u591a\u6848\u4ef6\u4e2d\u6210\u529f\u5354\u5546\u523040%\u81f370%\u7684\u91ab\u9662\u7559\u7f6e\u6b0a\u6e1b\u514d,\u70ba\u7576\u4e8b\u4eba\u7bc0\u7701\u4e86\u6578\u842c\u7f8e\u5143\u7684\u6c89\u91cd\u91ab\u7642\u50b5\u52d9\u3002<\/p>\n<p><strong>\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u53ca\u91ab\u7642\u88dc\u52a9\u7559\u7f6e\u6b0a\u5354\u5546<\/strong>:\u806f\u90a6\u91ab\u7642\u4fdd\u96aa(Medicare)\u53ca\u52a0\u5dde\u91ab\u7642\u88dc\u52a9(Medi-Cal)\u7b49\u806f\u90a6\u8a08\u756b,\u4f9d\u806f\u90a6\u6cd5\u5f8b\u4eab\u6709\u56b4\u683c\u7684\u7559\u7f6e\u6b0a\u5229\u3002\u7136\u800c,\u9019\u4e9b\u6b0a\u5229\u4e26\u975e\u7d55\u5c0d\u3002\u7d93\u9a57\u8c50\u5bcc\u7684\u5f8b\u5e2b,\u80fd\u904b\u7528\u4ee5\u4e0b\u65b9\u5f0f\u5354\u5546\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u7559\u7f6e\u6b0a:<\/p>\n<ul>\n<li><strong>\u6c42\u511f\u6210\u672c\u5206\u6524<\/strong>:\u4ee5\u5f8b\u5e2b\u8cbb\u53ca\u8a34\u8a1f\u6210\u672c,\u6e1b\u514d\u7559\u7f6e\u6b0a\u91d1\u984d<\/li>\n<li><strong>\u8cac\u4efb\u722d\u8b70\u4e3b\u5f35<\/strong>:\u5728\u8cac\u4efb\u6b78\u5c6c\u4e0d\u660e\u78ba\u6642,\u6e1b\u514d\u7559\u7f6e\u6b0a\u91d1\u984d<\/li>\n<li><strong>\u548c\u89e3\u91d1\u984d\u5354\u5546<\/strong>:\u5728\u548c\u89e3\u91d1\u984d\u6709\u9650\u7684\u60c5\u6cc1\u4e0b,\u5354\u5546\u6e1b\u5c11\u9808\u8fd4\u9084\u7684\u91d1\u984d<\/li>\n<\/ul>\n<p>\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u53ca\u91ab\u7642\u88dc\u52a9\u7559\u7f6e\u6b0a\u7684\u89e3\u6c7a,\u9700\u8981\u5177\u5099\u806f\u90a6\u6cd5\u5f8b\u65b9\u9762\u7684\u5c08\u696d\u77e5\u8b58\u3002\u6211\u5011\u6cd5\u5f8b\u5718\u968a\u5728\u9019\u985e\u8907\u96dc\u5354\u5546\u65b9\u9762\u7684\u7d93\u9a57,\u78ba\u4fdd\u7576\u4e8b\u4eba\u4e0d\u6703\u652f\u4ed8\u8d85\u51fa\u6cd5\u5f8b\u898f\u5b9a\u7684\u91d1\u984d\u3002<\/p>\n<h2>\u5f8b\u5e2b\u5982\u4f55\u904b\u7528\u7b56\u7565,\u70ba\u7576\u4e8b\u4eba\u722d\u53d6\u6700\u5927\u5316\u7684\u8ce0\u511f<\/h2>\n<p>\u572828\u5e74\u7684\u4eba\u8eab\u50b7\u5bb3\u57f7\u696d\u7d93\u9a57\u4e2d,\u6211\u5011\u5df2\u767c\u5c55\u51fa\u4e00\u5957\u5b8c\u6574\u7684\u7559\u7f6e\u6b0a\u5354\u5546\u7b56\u7565,\u80fd\u70ba\u7576\u4e8b\u4eba\u722d\u53d6\u5230\u6700\u5927\u5316\u7684\u5be6\u969b\u548c\u89e3\u6240\u5f97:<\/p>\n<ol>\n<li><strong> \u53ca\u65e9\u78ba\u8a8d\u7559\u7f6e\u6b0a<\/strong>:\u6211\u5011\u6703\u5728\u6848\u4ef6\u53d7\u7406\u4e4b\u521d,\u7acb\u5373\u78ba\u8a8d\u6240\u6709\u53ef\u80fd\u5b58\u5728\u7684\u7559\u7f6e\u6b0a\u3002\u53ca\u65e9\u78ba\u8a8d\u80fd\u907f\u514d\u5728\u548c\u89e3\u6642\u51fa\u73fe\u610f\u5916\u72c0\u6cc1,\u4e26\u80fd\u9032\u884c\u7b56\u7565\u6027\u898f\u5283\u3002\u6211\u5011\u6703\u8acb\u6c42\u63d0\u4f9b:<\/li>\n<\/ol>\n<ul>\n<li>\u6cbb\u7642\u63d0\u4f9b\u8005\u51fa\u5177\u7684\u4fdd\u969c\u627f\u8afe\u51fd<\/li>\n<li>\u5065\u5eb7\u4fdd\u96aa\u4fdd\u55ae\u4e2d\u7684\u4ee3\u4f4d\u6c42\u511f\u689d\u6b3e\u5167\u5bb9<\/li>\n<li>\u806f\u90a6\u91ab\u7642\u4fdd\u96aa(Medicare)\u6709\u689d\u4ef6\u7d66\u4ed8\u901a\u77e5<\/li>\n<li>\u5411\u90e1\u767b\u8a18\u8655\u63d0\u4ea4\u7684\u91ab\u9662\u7559\u7f6e\u6b0a\u767b\u8a18\u6587\u4ef6<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><strong> \u8a18\u9304\u8cac\u4efb\u5206\u6524\u60c5\u6cc1<\/strong>:\u7576\u8cac\u4efb\u6b78\u5c6c\u5b58\u5728\u722d\u8b70,\u6216\u6d89\u53ca\u6bd4\u8f03\u904e\u5931\u8cac\u4efb\u6642,\u6211\u5011\u6703\u8a18\u9304\u9019\u4e9b\u722d\u8b70\u4e8b\u9805,\u4f5c\u70ba\u722d\u53d6\u7559\u7f6e\u6b0a\u6e1b\u514d\u7684\u7c4c\u78bc\u3002\u82e5\u8087\u4e8b\u99d5\u99db\u4eba\u50c5\u9808\u8ca0\u64d475%\u7684\u8cac\u4efb,\u7559\u7f6e\u6b0a\u6301\u6709\u4eba\u4fbf\u61c9\u63a5\u53d7\u76f8\u61c9\u6bd4\u4f8b\u7684\u6e1b\u514d\u3002<\/li>\n<li><strong> \u6c42\u511f\u6210\u672c\u8ad6\u8b49<\/strong>:\u6211\u5011\u6703\u63d0\u51fa\u5f8b\u5e2b\u8cbb\u53ca\u8a34\u8a1f\u6210\u672c\u7684\u8a73\u7d30\u5e33\u76ee,\u4e3b\u5f35\u7559\u7f6e\u6b0a\u6301\u6709\u4eba\u61c9\u5171\u540c\u5206\u6524\u9019\u4e9b\u8cbb\u7528\u3002\u82e5\u6211\u5011\u82b1\u8cbb30,000\u7f8e\u5143\u7684\u6210\u672c,\u624d\u722d\u53d6\u5230100,000\u7f8e\u5143\u7684\u548c\u89e3\u91d1,\u7559\u7f6e\u6b0a\u6301\u6709\u4eba\u65e2\u7136\u53d7\u76ca\u65bc\u6211\u5011\u7684\u52aa\u529b,\u4fbf\u61c9\u652f\u4ed8\u5176\u61c9\u5360\u7684\u6bd4\u4f8b\u4efd\u984d\u3002<\/li>\n<li><strong> \u7d93\u6fdf\u56f0\u96e3\u5354\u5546<\/strong>:\u7576\u7576\u4e8b\u4eba\u9762\u81e8\u771f\u5be6\u7684\u8ca1\u52d9\u56f0\u5883\u6642,\u6211\u5011\u6703\u5411\u7559\u7f6e\u6b0a\u6301\u6709\u4eba\u63d0\u51fa\u5177\u8aaa\u670d\u529b\u7684\u9673\u8ff0,\u8aaa\u660e\u7576\u4e8b\u4eba\u7684\u8655\u5883,\u5305\u62ec:<\/li>\n<\/ol>\n<ul>\n<li>\u5de5\u8cc7\u640d\u5931\u53ca\u7121\u6cd5\u5de5\u4f5c\u7684\u60c5\u6cc1<\/li>\n<li>\u5f71\u97ff\u672a\u4f86\u6536\u5165\u7684\u6c38\u4e45\u6027\u6b98\u75be<\/li>\n<li>\u5bb6\u5ead\u8cac\u4efb\u53ca\u6276\u990a\u7fa9\u52d9<\/li>\n<li>\u56e0\u4e8b\u6545\u5f8c\u679c\u800c\u4e0d\u65b7\u7d2f\u7a4d\u7684\u50b5\u52d9<\/li>\n<li>\u4f86\u81ea\u5176\u4ed6\u7ba1\u9053\u7684\u6c42\u511f\u6709\u9650,\u6216\u5b8c\u5168\u6c92\u6709<\/li>\n<\/ul>\n<ol start=\"5\">\n<li><strong> \u7d50\u69cb\u5316\u5354\u5546<\/strong>:\u6211\u5011\u6703\u63a1\u53d6\u7b56\u7565\u6027\u7684\u65b9\u5f0f\u5354\u5546\u5404\u9805\u7559\u7f6e\u6b0a,\u901a\u5e38\u5148\u5f9e\u6700\u6709\u53ef\u80fd\u7372\u5f97\u6e1b\u514d\u7684\u9805\u76ee(\u79c1\u4eba\u670d\u52d9\u63d0\u4f9b\u8005)\u8457\u624b,\u85c9\u6b64\u7d2f\u7a4d\u5354\u5546\u6c23\u52e2\u3002\u6210\u529f\u5354\u5546\u8f03\u5bb9\u6613\u8655\u7406\u7684\u7559\u7f6e\u6b0a\u5f8c,\u4fbf\u80fd\u70ba\u8207\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u6216ERISA\u8a08\u756b\u9032\u884c\u66f4\u56f0\u96e3\u7684\u5354\u5546,\u5efa\u7acb\u6709\u5229\u7684\u5148\u4f8b\u3002<\/li>\n<li><strong> 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\/li>\n<li>\u89e3\u6c7a\u4efb\u4f55\u6700\u7d42\u907a\u7559\u7684\u722d\u8b70<\/li>\n<li>\u4fdd\u8b77\u7576\u4e8b\u4eba\u514d\u65bc\u672a\u4f86\u906d\u5230\u8ffd\u8a0e<\/li>\n<\/ul>\n<p>\u9019\u7a2e\u4e3b\u52d5\u7a4d\u6975\u7684\u8655\u7406\u65b9\u5f0f,\u80fd\u907f\u514d\u6700\u5f8c\u4e00\u523b\u51fa\u73fe\u4ee4\u4eba\u63aa\u624b\u4e0d\u53ca\u3001\u56b4\u91cd\u6253\u64ca\u7576\u4e8b\u4eba\u671f\u671b\u7684\u610f\u5916\u72c0\u6cc1\u3002\u6c92\u6709\u4ec0\u9ebc\u6bd4\u539f\u672c\u4ee5\u70ba\u80fd\u5f9e\u548c\u89e3\u91d1\u4e2d\u7372\u5f9750,000\u7f8e\u5143,\u7d50\u679c\u537b\u767c\u73fe\u5168\u90e8\u88ab\u7559\u7f6e\u6b0a\u541e\u566c\u66f4\u7cdf\u7cd5\u7684\u4e8b\u4e86\u3002<\/p>\n<h3>\u5c0d\u8087\u4e8b\u99d5\u99db\u4eba\u63a1\u53d6\u6cd5\u5f8b\u884c\u52d5<\/h3>\n<h4>\u4f55\u6642\u6709\u5fc5\u8981\u63d0\u8d77\u8a34\u8a1f<\/h4>\n<p>\u82e5\u4fdd\u96aa\u4fdd\u969c\u53caUIM\u4fdd\u969c,\u4ecd\u4e0d\u8db3\u4ee5<a href=\"https:\/\/denglaw.com\/zh-hant\/%e8%bb%8a%e7%a6%8d%e7%b4%a2%e5%84%9f%e9%a0%85%e7%9b%ae%e8%b2%bb%e7%94%a8\/\"><u>\u6db5\u84cb\u60a8\u7684\u640d\u5bb3\u8ce0\u511f<\/u><\/a>,\u5c0d\u8087\u4e8b\u99d5\u99db\u4eba\u63d0\u8d77\u500b\u4eba\u8a34\u8a1f,\u4fbf\u6210\u70ba\u4e0b\u4e00\u6b65\u7684\u5fc5\u8981\u884c\u52d5\u3002\u96d6\u7136\u4fdd\u96aa\u901a\u5e38\u662f\u4e3b\u8981\u7684\u8ce0\u511f\u4f86\u6e90,\u4f46\u8a34\u8a1f\u5177\u5099\u591a\u9805\u91cd\u8981\u76ee\u7684:<\/p>\n<p><strong>\u63d0\u8d77\u8a34\u8a1f\u7684\u539f\u56e0<\/strong>:<\/p>\n<ol>\n<li><strong>\u8cc7\u7522\u8ffd\u8a0e<\/strong>:\u5982\u524d\u6587\u6240\u8ff0,\u8ffd\u8a0e\u975e\u8c41\u514d\u7684\u500b\u4eba\u8cc7\u7522<\/li>\n<li><strong>\u65bd\u58d3\u7b56\u7565<\/strong>:\u4fc3\u4f7f\u4fdd\u96aa\u516c\u53f8\u63d0\u9ad8\u7406\u8ce0\u91d1\u984d<\/li>\n<li><strong>\u4fdd\u969c\u722d\u8b70<\/strong>:\u8feb\u4f7f\u5c0d\u65b9\u63ed\u9732\u984d\u5916\u7684\u4fdd\u96aa\u4fdd\u55ae<\/li>\n<li><strong>\u966a\u5be9\u5718\u88c1\u6c7a<\/strong>:\u7372\u5f97\u8d85\u904e\u4fdd\u55ae\u984d\u5ea6\u4e0a\u9650\u7684\u5224\u6c7a\u8ce0\u511f<\/li>\n<li><strong>\u516c\u958b\u7d00\u9304<\/strong>:\u5efa\u7acb\u53ef\u4f9b\u672a\u4f86\u8ffd\u8a0e\u7684\u5224\u6c7a\u7d00\u9304<\/li>\n<\/ol>\n<p>\u52a0\u5dde\u4eba\u8eab\u50b7\u5bb3\u8a34\u8a1f\u7684\u8a34\u8a1f\u6642\u6548,\u901a\u5e38\u70ba\u4e8b\u6545\u767c\u751f\u65e5\u8d77<a href=\"https:\/\/selfhelp.courts.ca.gov\/civil-lawsuit\/statute-limitations\" target=\"_blank\" rel=\"nofollow noopener\"><u>\u5169\u5e74<\/u><\/a>(\u52a0\u5dde\u6c11\u4e8b\u8a34\u8a1f\u6cd5\u7b2c335.1\u689d)\u3002\u82e5\u932f\u904e\u6b64\u671f\u9650,\u7121\u8ad6\u60a8\u7684\u50b7\u52e2\u6709\u591a\u56b4\u91cd,\u6216\u4fdd\u96aa\u4fdd\u969c\u6709\u591a\u4e0d\u8db3,\u60a8\u7684\u6c42\u511f\u4e3b\u5f35\u90fd\u5c07\u6c38\u4e45\u55aa\u5931\u6548\u529b\u3002<\/p>\n<h2>\u52a0\u5dde\u7684\u8a34\u8a1f\u7a0b\u5e8f<\/h2>\n<p>\u5728\u6d1b\u6749\u78ef\u7e23\u9ad8\u7b49\u6cd5\u9662\u9032\u884c\u7684\u4eba\u8eab\u50b7\u5bb3\u8a34\u8a1f,\u901a\u5e38\u9075\u5faa\u4ee5\u4e0b\u53ef\u9810\u671f\u7684\u968e\u6bb5:<\/p>\n<ol>\n<li><strong> 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