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Code\uff09\uff0c\u767c\u751f\u8eca\u798d\u5f8c\u82e5\u6709\u4eba\u54e1\u50b7\u4ea1\u6216\u8ca1\u7522\u640d\u5931\uff0c\u99d5\u99db\u8005\u5fc5\u9808\u7acb\u5373\u505c\u8eca\uff0c\u5426\u5247\u53ef\u80fd\u69cb\u6210\u300c\u8087\u4e8b\u9003\u9038\u300d\uff08Hit and Run\uff09\u3002 1. \u5831\u8b66\uff08Call 911\uff09 \u8a31\u591a\u4eba\u8a8d\u70ba\u82e5\u640d\u5931\u8f15\u5fae\u53ef\u4ee5\u79c1\u4e0b\u548c\u89e3\u3002\u4f46\u5728\u6cd5\u5f8b\u4e0a\uff0c\u82e5\u6d89\u53ca\u50b7\u4ea1\u6216\u516c\u5171\u8ca1\u7522\u640d\u5931\uff0c\u5831\u8b66\u662f\u6cd5\u5f8b\u7fa9\u52d9\u3002\u8b66\u5bdf\u5230\u5834\u88fd\u4f5c\u7684\u300c\u8b66\u5bdf\u5831\u544a\u300d\uff08Police Report\uff09\u662f\u65e5\u5f8c\u5224\u5b9a\u8cac\u4efb\uff08Liability\uff09\u7684\u6700\u6b0a\u5a01\u8b49\u64da\u3002\u5373\u4f7f\u8b66\u5bdf\u56e0\u70ba\u8f15\u5fae\u78b0\u649e\u4e0d\u9858\u5230\u5834\uff0c\u4e5f\u61c9\u524d\u5f80\u6700\u8fd1\u7684\u8b66\u5c40\u5099\u6848\u3002 2. \u8cc7\u6599\u4ea4\u63db\uff08Exchange Information\uff09 \u6cd5\u5f8b\u898f\u5b9a\u96d9\u65b9\u5fc5\u9808\u4ea4\u63db\u4ee5\u4e0b\u8cc7\u6599\uff1a \u59d3\u540d\u8207\u806f\u7d61\u96fb\u8a71 \u99d5\u99db\u57f7\u7167\u865f\u78bc \u8eca\u8f1b\u724c\u7167\u865f\u78bc \u4fdd\u96aa\u516c\u53f8\u540d\u7a31\u8207\u4fdd\u55ae\u865f\u78bc\uff08Policy Number\uff09 3. \u73fe\u5834\u53d6\u8b49\uff1a\u6578\u4f4d\u6642\u4ee3\u7684\u6700\u4f73\u6b66\u5668 \u4e0d\u8981\u53ea\u4f9d\u8cf4\u8b66\u5bdf\u5831\u544a\uff0c\u4f60\u81ea\u5df1\u5c31\u662f\u6700\u597d\u7684\u53d6\u8b49\u54e1\u3002 \u62cd\u7167\/\u9304\u5f71\uff1a \u62cd\u651d\u5169\u8eca\u53d7\u640d\u4f4d\u7f6e\u3001\u6563\u843d\u7269\u3001\u715e\u8eca\u75d5\u3001\u7d05\u7da0\u71c8\u4f4d\u7f6e\u53ca\u5468\u908a\u8def\u6cc1\u3002 \u76ee\u64ca\u8005\u8cc7\u8a0a\uff1a \u82e5\u5468\u908a\u6709\u8def\u4eba\u76ee\u7779\u7d93\u904e\uff0c\u8acb\u52d9\u5fc5\u7559\u4e0b\u4ed6\u5011\u7684\u806f\u7d61\u65b9\u5f0f\u3002\u76ee\u64ca\u8005\u8b49\u8a5e\u5728\u8cac\u4efb\u722d\u8b70\u4e2d\u6975\u5177\u4efd\u91cf\u3002 \u907f\u514d\u5931\u8a00\uff1a \u5728\u73fe\u5834\u7d55\u5c0d\u4e0d\u8981\u8aaa\u300c\u5c0d\u4e0d\u8d77\u300d (I'm sorry) \u6216\u96a8\u53e3\u627f\u8a8d\u8cac\u4efb\u3002\u6cd5\u5f8b\u4e0a\uff0c\u8cac\u4efb\u8a8d\u5b9a\u662f\u57fa\u65bc\u4e8b\u5be6\u8b49\u64da\uff0c\u800c\u975e\u73fe\u5834\u7684\u5ba2\u6c23\u8a71\u3002 \u4e8c\u3001 \u5411\u4fdd\u96aa\u516c\u53f8\u7533\u8acb\u7406\u8ce0\uff08Filing a Claim\uff09 \u4e8b\u6545\u767c\u751f\u5f8c\uff0c\u61c9\u5118\u901f\u806f\u7d61\u4fdd\u96aa\u516c\u53f8\u3002 1. \u8cac\u4efb\u5224\u5b9a\uff1a\u904e\u5931\u6bd4\u4f8b\u539f\u5247 \u52a0\u5dde\u5be6\u65bd\u7684\u662f\u300c\u6bd4\u8f03\u904e\u5931\u539f\u5247\u300d\uff08Pure Comparative 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\u975e\u5e38\u54c0\u6028\u7684\u8072\u660e\uff0c\u8a8d\u771f\u7406\u8ce0\u4fdd\u96aa\u91d1\uff0c\u53c8\u8981\u5f88\u4fbf\u5b9c\u5730\u8b93\u5927\u5bb6\u90fd\u80fd\u4fdd\uff0c\u9019\u7a2e\u5169\u982d\u71d2\u4fdd\u96aa\u516c\u53f8\u7684\u4f5c\u6cd5\u8b93\u4ed6\u5011\u6c7a\u5b9a\u4e0d\u5728\u52a0\u5dde\u73a9\u4e86\u3002\u4f46\u662f\u52a0\u5dde\u6709\u91ce\u706b\uff0c\u4f0a\u5229\u8afe\u5dde\u96e3\u9053\u6c92\u6709\u9f8d\u6372\u98a8\u55ce\uff1fState Farm\u53bb\u5e74\u4e94\u6708\u624d\u8aaa\u4e0d\u63a5\u53d7\u52a0\u5dde\u5c4b\u96aa\u65b0\u4fdd\u55ae\uff0c\u5982\u4eca\u53c8\u505c\u6b62\u7e8c\u4fdd\u820a\u4fdd\u55ae\uff0c\u76f8\u4fe1\u52a0\u5dde\u4fdd\u96aa\u5c40\u771f\u7684\u5f88\u60f3\u554f\u554f\u8a72\u516c\u53f8\u9019\u53e5\u8a71\u3002\u4fdd\u96aa\u5c40\u8868\u793a\uff0cState Farm\u6709\u8cac\u4efb\u4f86\u56de\u7b54\u4ed6\u5011\uff0c\u5c0d\u5176\u4e0d\u518d\u7e8c\u4fdd\u6c7a\u5b9a\u7684\u8a62\u554f\u3002\u526f\u5c40\u9577Michael Soller\u8aaa\uff1a\u300c\u6211\u5011\u505a\u70ba\u4fdd\u96aa\u76e3\u7ba1\u6a5f\u95dc\u7684\u89d2\u8272\u4e4b\u4e00\uff0c\u5c31\u662f\u8981\u8b93\u4fdd\u96aa\u516c\u53f8\u5c0d\u5176\u8a00\u884c\u8ca0\u8cac\u3002\u6211\u5011\u5fc5\u9808\u6709\u4fe1\u5fc3\u61c9\u5c0dState Farm\uff0c\u8981\u8b93\u5b83\u5c65\u884c\u5c0d\u52a0\u5dde\u5ba2\u6236\u7684\u7fa9\u52d9\u3002\u300d \u4fdd\u96aa\u5c40\u8aaa\u7684\u5920\u55c6\uff0c\u4f46\u4f55\u6642\u4eae\u528d\u8abf\u67e5\u537b\u6c92\u8aaa\uff0c\u6d88\u8cbb\u8005\u4fdd\u8b77\u5718\u9ad4\u5df2\u5148\u770b\u4e0d\u4e0b\u53bb\u3002Consumer Watchdog\u5275\u8fa6\u4ebaHarvey Rosenfield\uff0c\u662f1988\u5e74\u516c\u6295\u901a\u904e\u7684\u52a0\u5dde\u4fdd\u96aa\u6cd5\u898f\u300a\u7b2c103\u865f\u63d0\u6848\u300b\u7684\u8d77\u8349\u4eba\u4e4b\u4e00\uff0c\u4ed6\u8868\u793a\uff0c\u5c31\u5728\u4fdd\u96aa\u5c40\u6838\u51c6State 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Susman\u6307\u51fa\uff0c\u90a3\u4e9b\u5c07\u88ab\u62cb\u68c4\u7684\u4fdd\u55ae\u5e7e\u4e4e\u53ef\u4ee5\u80af\u5b9a\u662f\u5728\u91ce\u706b\u98a8\u96aa\u66f4\u9ad8\u7684\u91ce\u5730\u5167\u8207\u5468\u906d\uff0c\u662f\u6a19\u6e96\u4fdd\u55ae\u4e0d\u9858\u610f\u8ce3\u7684\u5730\u65b9\u3002\u6240\u4ee5\u4ed6\u8aaa\uff0c\u5931\u53bb\u4fdd\u55ae\u7684\u5c4b\u4e3b\u5dee\u4e0d\u591a\u78ba\u5b9a\u8981\u6beb\u7121\u9078\u64c7\u5730\u8f49\u5411California FAIR Plan\u3002 \u9019\u662f\u5dde\u6240\u5275\u5efa\u7684\u79c1\u4eba\u4fdd\u96aa\u5132\u5099\u5eab\uff0c\u63d0\u4f9b\u6975\u9ad8\u98a8\u96aa\u8ca1\u7522\u7684\u6700\u57fa\u672c\u4fdd\u969c\uff0c\u4f46\u4fdd\u8cbb\u537b\u9060\u9ad8\u904e\u6a19\u51c6\u4fdd\u55ae\u3002\u53ef\u662f\u9019\u52a0\u5dde\u5c4b\u96aa\u7684\u6700\u5f8c\u5b88\u9580\u54e1\u7e3d\u88c1Victoria Roach\uff0c\u65bc\u4e09\u6708\u4e0b\u65ec\u5728\u4fdd\u96aa\u59d4\u54e1\u6703\u4e2d\u544a\u8a34\u7acb\u6cd5\u59d4\u54e1\u5011\uff0c\u4ed6\u5011\u627f\u4fdd\u7684\u9ad8\u98a8\u96aa\u91ce\u706b\u5730\u5340\u7684\u4f4f\u5bb6\u8207\u5546\u696d\u5730\u7522\u6578\u91cf\uff0c\u65bc\u4eca\u5e74\u4e8c\u6708\u5df2\u7ffb\u4e86\u4e00\u756a\u591a\uff0c\u5f9e2019\u5e74\u7684154,000\u4ef6\u589e\u52a0\u5230375,000\u4ef6\uff0c\u8cac\u4efb\u91d1\u984d\u4e5f\u5f9e2018\u5e74\u7684500\u5104\u5143\uff0c\u81a8\u8139\u5230\u4e8c\u6708\u76843360\u5104\u5143\u3002FAIR Plan\u6b63\u88ab\u63a8\u5411\u7834\u7522\u908a\u7de3\uff0c\u88ab\u8feb\u8981\u6db5\u84cb\u8fc5\u901f\u589e\u9577\uff0c\u5931\u53bb\u50b3\u7d71\u4fdd\u96aa\u4fdd\u969c\u7684\u8ca1\u7522\uff0c\u537b\u7121\u6cd5\u6536\u96c6\u5230\u8db3\u5920\u4fdd\u8cbb\u4f86\u8986\u84cb\u6f5b\u5728\u98a8\u96aa\u7684\u652f\u51fa\u3002 Roach\u544a\u8a34\u59d4\u54e1\u6703\uff1a\u300c\u9019\u4e9b\u662f\u9f90\u5927\u7684\u6578\u5b57\uff0c\u4e14\u5b83\u5011\u5728\u6301\u7e8c\u589e\u52a0\u4e2d\u2026\u96a8\u8457\u9019\u4e9b\u6578\u5b57\u6500\u5347\uff0c\u6211\u5011\u7684\u8ca1\u52d9\u7a69\u5b9a\u6027\u5c31\u6703\u6709\u554f\u984c\u3002\u300d\u4ed6\u5f37\u8abf\uff0c\u4e00\u5834\u7834\u58de\u6027\u7684\u91ce\u706b\uff0c\u751a\u81f3\u53ea\u662f\u4e00\u7cfb\u5217\u7684\u8f03\u5c0f\u578b\u706b\u707d\uff0c\u90fd\u53ef\u80fd\u4f7f\u5176\u8a08\u756b\u96e3\u4ee5\u8ca0\u8377\uff0c\u9032\u800c\u88ab\u8feb\u5411\u5dde\u7684\u6240\u6709\u4fdd\u96aa\u516c\u53f8\u6536\u53d6\u5b83\u7121\u6cd5\u6db5\u84cb\u7684\u8cac\u4efb\u8cbb\u7528\uff0c\u9019\u5c07\u6703\u53cd\u904e\u4f86\u53c8\u5411\u6240\u6709\u88ab\u4fdd\u96aa\u4f4f\u5b85\u8207\u4f01\u696d\u5ba2\u6236\u6536\u53d6\u66f4\u9ad8\u7684\u4fdd\u8cbb\u3002\u4ed6\u8aaa\uff1a\u300c\u9019\u662f\u4e00\u5834\u8ced\u535a\uff0c\u6211\u5011\u662f\u5728\u4e00\u5834\u9060\u96e2\u5927\u578b\u8a55\u4f30\u7684\u6d3b\u52d5\u4e2d\uff0c\u5df2\u6c92\u6709\u5176\u5b83\u5f62\u5bb9\u8a5e\u53ef\u4ee5\u8aaa\u4e86\uff0c\u56e0\u70ba\u6211\u5011\u624b\u982d\u4e0a\u6c92\u6709\u5f88\u591a\u9322\uff0c\u4f46\u6211\u5011\u5728\u90a3\u88e1\u537b\u6709\u5f88\u591a\u7684\u66dd\u96aa\u3002\u300d FAIR Plan\u7684\u8ca1\u52d9\u4e0d\u7a69\u5b9a\u662f\u88ab\u52a0\u5dde\u4fdd\u96aa\u5e02\u5834\u5feb\u8981\u5d29\u76e4\u6240\u9023\u7d2f\u7684\uff0c\u5728\u7d93\u904e\u4e00\u7cfb\u5217\u6210\u672c\u5f88\u9ad8\u7684\u91ce\u706b\u707d\u96e3\uff0c\u7d93\u7d71\u8a08\uff0c\u52a0\u5dde\u6700\u5177\u7834\u58de\u6027\u7684\u5eff\u4ef6\u91ce\u706b\u4e2d\uff0c\u6709\u5341\u56db\u4ef6\u662f\u767c\u751f\u5728\u8fd1\u5341\u5e74\u5167\uff0c\u56e0\u6b64\u90a3\u4e9b\u4e3b\u8981\u4fdd\u96aa\u516c\u53f8\u7d1b\u7d1b\u4e0d\u7e8c\u4fdd\u6216\u9650\u5236\u4fdd\u969c\u7bc4\u570d\uff0c\u9023\u9396\u53cd\u61c9\u4e0b\uff0c\u5931\u53bb\u4fdd\u96aa\u7684\u5c4b\u4e3b\u5011\u53ea\u80fd\u53bb\u627eFAIR Plan\uff0c\u800c\u9019\u6578\u5b57\u6b63\u4ee5\u6050\u6016\u7684\u901f\u5ea6\u589e\u52a0\u4e2d\uff0c\u73fe\u5728\u5dee\u4e0d\u591a\u6bcf\u500b\u5de5\u4f5c\u65e5\u5c31\u6709\u4e00\u5343\u4ef6\u5728\u7533\u8acb\u3002 FAIR Plan\u96d6\u662f\u500b\u975e\u71df\u5229\u5354\u6703\uff0c\u4f46\u4e5f\u4e0d\u88ab\u7a05\u91d1\u652f\u6301\uff0c\u66f4\u4e0d\u662f\u300a\u7b2c103\u865f\u63d0\u6848\u300b\u4fdd\u96aa\u6cd5\u7684\u9069\u7528\u5c0d\u8c61\uff0c\u56e0\u6b64\u5b83\u7684\u4fdd\u969c\u7bc4\u570d\u5f88\u4e7e\u6241\uff0c\u53ea\u6709\u706b\u707d\u8207\u7159\u71fb\u640d\u5bb3\uff0c\u800c\u7406\u8ce0\u91d1\u5b8c\u5168\u7531\u4fdd\u8cbb\u652f\u61c9\uff0c\u5373\u4f7f\u5b83\u5df2\u6bd4\u4e00\u822c\u4fdd\u96aa\u516c\u53f8\u8cb4\u5f88\u591a\u3002\u5c31\u7b97\u5982\u6b64\uff0c\u5b83\u4e5f\u9762\u81e8\u8ddf\u4e00\u822c\u4fdd\u96aa\u516c\u53f8\u4e00\u6a23\u7684\u56f0\u5883\uff0c\u9700\u8981\u8abf\u9ad8\u4fdd\u8cbb\u4f86\u8986\u84cb\u7406\u8ce0\u98a8\u96aa\uff0c\u4f46\u9019\u9700\u8981\u88ab\u6279\u51c6\uff0c\u6240\u4ee5\u52a0\u5dde\u4fdd\u96aa\u5c40\u9577Ricardo 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