{"id":63,"date":"2026-05-24T05:57:33","date_gmt":"2026-05-24T05:57:33","guid":{"rendered":"https:\/\/blog.cuilawgroup.com\/2026\/05\/24\/%e5%8a%a0%e5%b7%9e%e8%82%87%e4%ba%8b%e9%80%83%e9%80%b8%e4%bf%9d%e9%99%a9%e7%90%86%e8%b5%94%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98%ef%bc%9a%e5%88%ab%e5%85%88%e7%9b%af%e7%9d%80%e8%82%87%e4%ba%8b%e5%8f%b8\/"},"modified":"2026-05-24T05:57:33","modified_gmt":"2026-05-24T05:57:33","slug":"%e5%8a%a0%e5%b7%9e%e8%82%87%e4%ba%8b%e9%80%83%e9%80%b8%e4%bf%9d%e9%99%a9%e7%90%86%e8%b5%94%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98%ef%bc%9a%e5%88%ab%e5%85%88%e7%9b%af%e7%9d%80%e8%82%87%e4%ba%8b%e5%8f%b8","status":"publish","type":"post","link":"https:\/\/www.cuilawgroup.com\/blog\/2026\/05\/24\/%e5%8a%a0%e5%b7%9e%e8%82%87%e4%ba%8b%e9%80%83%e9%80%b8%e4%bf%9d%e9%99%a9%e7%90%86%e8%b5%94%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98%ef%bc%9a%e5%88%ab%e5%85%88%e7%9b%af%e7%9d%80%e8%82%87%e4%ba%8b%e5%8f%b8\/","title":{"rendered":"\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\uff1a\u522b\u5148\u76ef\u7740\u8087\u4e8b\u53f8\u673a\uff0c\u5148\u770b\u4f60\u7684UM\/UIM\u6743\u76ca"},"content":{"rendered":"<style>\/* Cui Law Group brand tokens \u2014 re-declared inside .ge-article so the\n * scoped block reads correctly even when the host theme does not use\n * these variable names. Numbers track the v2 theme's globals.css. *\/\n.ge-article {\n  --ge-charcoal: #1a2744;\n  --ge-charcoal-light: #253453;\n  --ge-taupe: #c4972a;\n  --ge-taupe-light: #d4a73a;\n  --ge-taupe-muted: rgba(196, 151, 42, 0.10);\n  --ge-warm-white: #f5f6f8;\n  --ge-text-secondary: #4a4a4a;\n  --ge-text-light: #888888;\n  --ge-border: #e0e0e0;\n  --ge-border-light: #f0f0f0;\n  --ge-serif: 'Playfair Display', 'Noto Serif SC', Georgia, serif;\n  --ge-sans: 'Noto Sans SC', 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;\n  --ge-mono: 'DM Sans', sans-serif;<\/p>\n<p>  font-family: var(--ge-sans);\n  font-size: 0.95rem;\n  line-height: 1.85;\n  color: var(--ge-text-secondary);\n  font-weight: 300;\n}\n.ge-article p { margin: 0 0 18px; }\n.ge-article a {\n  color: var(--ge-taupe);\n  text-decoration: underline;\n  text-underline-offset: 2px;\n}\n.ge-article a:hover { color: var(--ge-charcoal); }\n.ge-article strong { font-weight: 500; color: var(--ge-charcoal); }\n.ge-article em { font-style: italic; }<\/p>\n<p>\/* Section hierarchy \u2014 serif charcoal, generous breathing room *\/\n.ge-article h1, .ge-article h2, .ge-article h3,\n.ge-article h4, .ge-article h5, .ge-article h6 {\n  font-family: var(--ge-serif);\n  font-weight: 600;\n  color: var(--ge-charcoal);\n  line-height: 1.35;\n}\n.ge-article h1 { font-size: 1.6rem; margin: 44px 0 18px; line-height: 1.3; }\n.ge-article h2 { font-size: 1.4rem; margin: 44px 0 16px; }\n.ge-article h3 { font-size: 1.15rem; margin: 32px 0 12px; }\n.ge-article h4 { font-size: 1rem;     margin: 24px 0 10px; }\n.ge-article h2:first-child,\n.ge-article h1:first-child { margin-top: 0; }<\/p>\n<p>\/* Lede \u2014 first paragraph stands out a touch *\/\n.ge-article > p.ge-lede {\n  font-size: 1.05rem;\n  line-height: 1.85;\n  font-weight: 400;\n  color: var(--ge-charcoal-light);\n}<\/p>\n<p>\/* Lists \u2014 taupe filled-circle marker via ::before so theme list-style\n * resets cannot hide bullets *\/\n.ge-article ul,\n.ge-article ol {\n  margin: 14px 0 22px 0;\n  padding-left: 1.5em;\n}\n.ge-article li { margin: 0 0 6px; }\n.ge-article ul > li { list-style: none; position: relative; }\n.ge-article ul > li::before {\n  content: \"\";\n  position: absolute;\n  left: -1em;\n  top: 0.65em;\n  width: 6px;\n  height: 6px;\n  border-radius: 50%;\n  background: var(--ge-taupe);\n  opacity: 0.85;\n}\n.ge-article ol > li { list-style: decimal; color: var(--ge-text-secondary); }\n.ge-article ol > li::marker { color: var(--ge-taupe); font-variant-numeric: tabular-nums; }<\/p>\n<p>\/* Pull-quote blockquote *\/\n.ge-article blockquote {\n  margin: 22px 0;\n  padding: 14px 20px;\n  border-left: 3px solid var(--ge-taupe);\n  background: var(--ge-warm-white);\n  color: var(--ge-text-secondary);\n  font-style: italic;\n}\n.ge-article blockquote p:last-child { margin-bottom: 0; }<\/p>\n<p>\/* Code *\/\n.ge-article code {\n  background: rgba(26, 39, 68, 0.05);\n  padding: 2px 6px;\n  border-radius: 4px;\n  font-size: 0.88em;\n  font-family: ui-monospace, \"SF Mono\", Menlo, monospace;\n}\n.ge-article pre {\n  background: rgba(26, 39, 68, 0.04);\n  padding: 1em 1.15em;\n  border-radius: 8px;\n  overflow-x: auto;\n  font-size: 0.88em;\n}\n.ge-article pre code { background: transparent; padding: 0; }<\/p>\n<p>\/* Tables *\/\n.ge-article table {\n  width: 100%;\n  border-collapse: collapse;\n  margin: 1.5em 0;\n  font-size: 0.92em;\n}\n.ge-article th, .ge-article td {\n  text-align: left;\n  padding: 0.55em 0.7em;\n  border-bottom: 1px solid var(--ge-border-light);\n}\n.ge-article th { font-weight: 600; color: var(--ge-charcoal); }<\/p>\n<p>\/* Byline \u2014 DM Sans tracked uppercase, taupe accent *\/\n.ge-article .ge-byline {\n  font-family: var(--ge-mono);\n  font-size: 0.72rem;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  color: var(--ge-text-light);\n  margin: 0 0 0.6em;\n  font-weight: 500;\n}\n.ge-article .ge-byline strong { color: var(--ge-charcoal); font-weight: 600; }\n.ge-article .ge-byline-rule {\n  border: 0;\n  border-top: 1px solid var(--ge-border);\n  margin: 0 0 2em;\n  width: 100%;\n}<\/p>\n<p>\/* Imagery *\/\n.ge-article figure { margin: 2em 0; text-align: center; }\n.ge-article figure.ge-hero { margin: 0.5em 0 2.5em; }\n.ge-article figure img {\n  display: block;\n  width: 100%;\n  height: auto;\n  max-height: 380px;\n  object-fit: cover;\n  border-radius: 8px;\n}\n.ge-article figure.ge-inline img { max-height: 320px; }\n.ge-article figcaption {\n  font-size: 0.78em;\n  font-style: italic;\n  color: var(--ge-text-light);\n  margin-top: 0.55em;\n  font-family: var(--ge-mono);\n}\n.ge-article figcaption a { color: var(--ge-text-light); text-decoration: none; }\n.ge-article figcaption a:hover { color: var(--ge-taupe); }<\/p>\n<p>\/* End-of-article mark *\/\n.ge-article .ge-end {\n  text-align: center;\n  letter-spacing: 0.6em;\n  color: var(--ge-taupe);\n  opacity: 0.5;\n  margin: 3em 0 2em;\n  font-size: 1.2em;\n}<\/p>\n<p>\/* CTA card \u2014 warm-white surface + taupe primary action *\/\n.ge-article .ge-cta {\n  margin: 2em 0 1em;\n  padding: 26px 28px 24px;\n  background: var(--ge-warm-white);\n  border: 1px solid var(--ge-border-light);\n  border-radius: 14px;\n}\n.ge-article .ge-cta h3 {\n  margin: 0 0 6px;\n  font-size: 1.2rem;\n  font-family: var(--ge-serif);\n  color: var(--ge-charcoal);\n  font-weight: 600;\n}\n.ge-article .ge-cta-rule {\n  border: 0;\n  border-top: 2px solid var(--ge-taupe);\n  width: 36px;\n  margin: 0 0 12px;\n}\n.ge-article .ge-cta p {\n  margin: 0 0 14px;\n  color: var(--ge-text-secondary);\n  font-weight: 300;\n}\n.ge-article .ge-cta-actions { margin: 0; }\n.ge-article .ge-cta-btn {\n  display: inline-block;\n  padding: 11px 22px;\n  border-radius: 4px;\n  font-family: var(--ge-sans);\n  font-weight: 600;\n  font-size: 0.9rem;\n  text-decoration: none;\n  margin-right: 8px;\n  margin-bottom: 8px;\n}\n.ge-article .ge-cta-btn-primary {\n  background: var(--ge-taupe);\n  color: #fff;\n  border: 0;\n}\n.ge-article .ge-cta-btn-primary:hover { background: var(--ge-taupe-light); color: #fff; }\n.ge-article .ge-cta-btn-primary > span { color: #fff; }\n.ge-article .ge-cta-btn-secondary {\n  background: transparent;\n  color: var(--ge-charcoal);\n  border: 1.5px solid var(--ge-border);\n}\n.ge-article .ge-cta-btn-secondary:hover { border-color: var(--ge-taupe); color: var(--ge-taupe); }<\/p>\n<p>\/* ----- Sticky top CTA banner ---------------------------------------------\n * Always-visible call-to-action so the visitor never has to scroll back\n * to the bottom CTA card. Rendered as a sibling of `.ge-article` so any\n * theme-applied transforms on the article wrapper do not break the\n * fixed-positioning containing block. The banner stays hidden until the\n * visitor has scrolled past the lede (~280 px) \u2014 no point covering the\n * headline on first paint.\n *\n * Colours are deliberately fixed (dark bar, light text) rather than\n * derived from `currentColor`, because the banner is overlaid on the\n * page and needs guaranteed contrast even on dark themes.\n *\/\n.ge-sticky-cta {\n  position: fixed;\n  top: 0;\n  left: 0;\n  right: 0;\n  z-index: 9999;\n  background: rgba(20, 20, 20, .94);\n  color: #fff;\n  font: 500 0.95em\/1.4 -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n  padding: 0.7em 1em;\n  display: flex;\n  align-items: center;\n  gap: 0.85em;\n  box-shadow: 0 2px 14px rgba(0, 0, 0, .18);\n  transform: translateY(-105%);\n  transition: transform .25s ease-out;\n  -webkit-backdrop-filter: saturate(140%) blur(8px);\n  backdrop-filter: saturate(140%) blur(8px);\n}\n.ge-sticky-cta[data-ge-visible=\"true\"] { transform: translateY(0); }\n.ge-sticky-cta-text { flex: 1 1 auto; min-width: 0; }\n.ge-sticky-cta-text strong { font-weight: 600; }\n.ge-sticky-cta-sub {\n  display: block;\n  font-size: 0.82em;\n  opacity: 0.7;\n  margin-top: 0.1em;\n}\n.ge-sticky-cta-actions { display: flex; gap: 0.45em; align-items: center; flex: 0 0 auto; }\n.ge-sticky-cta-btn {\n  display: inline-block;\n  padding: 0.55em 1.1em;\n  border-radius: 4px;\n  font-weight: 600;\n  font-size: 0.92em;\n  text-decoration: none;\n  background: #fff;\n  color: #111;\n  border: 0;\n  cursor: pointer;\n  white-space: nowrap;\n}\n.ge-sticky-cta-btn-secondary {\n  background: transparent;\n  color: #fff;\n  border: 1px solid rgba(255, 255, 255, .35);\n}\n.ge-sticky-cta-dismiss {\n  background: transparent;\n  border: 0;\n  color: rgba(255, 255, 255, .55);\n  font-size: 1.4em;\n  line-height: 1;\n  cursor: pointer;\n  padding: 0 0.2em;\n  margin-left: 0.2em;\n}\n.ge-sticky-cta-dismiss:hover { color: #fff; }\n@media (max-width: 560px) {\n  .ge-sticky-cta-sub { display: none; }\n  .ge-sticky-cta { padding: 0.55em 0.7em; gap: 0.5em; font-size: 0.88em; }\n  .ge-sticky-cta-btn { padding: 0.5em 0.8em; }\n}<\/style>\n<div class=\"ge-sticky-cta\" role=\"region\" aria-label=\"Contact this firm\">\n<div class=\"ge-sticky-cta-text\"><strong>Free consultation with CUI LAW GROUP<\/strong><span class=\"ge-sticky-cta-sub\">No obligation. We typically reply the same day.<\/span><\/div>\n<div class=\"ge-sticky-cta-actions\"><button type=\"button\" data-ge-open-contact class=\"ge-sticky-cta-btn\">Contact us<\/button><\/div>\n<p><button type=\"button\" class=\"ge-sticky-cta-dismiss\" aria-label=\"Dismiss\">&times;<\/button><\/div>\n<p><script>(function () {\n\tif (window.__geStickyCtaInit) return;\n\twindow.__geStickyCtaInit = true;\n\tvar bar = document.querySelector('.ge-sticky-cta');\n\tif (!bar) return;\n\tvar STORAGE_KEY = 'ge_sticky_cta_dismissed';\n\tvar SHOW_AFTER = 280;\n\tvar dismissed = false;\n\ttry { dismissed = sessionStorage.getItem(STORAGE_KEY) === '1'; } catch (e) {}\n\tif (dismissed) return;\n\tfunction tick() {\n\t\tif (dismissed) return;\n\t\tvar y = window.scrollY || window.pageYOffset || 0;\n\t\tbar.setAttribute('data-ge-visible', y > SHOW_AFTER ? 'true' : 'false');\n\t}\n\twindow.addEventListener('scroll', tick, { passive: true });\n\ttick();\n\tvar dismiss = bar.querySelector('.ge-sticky-cta-dismiss');\n\tif (dismiss) dismiss.addEventListener('click', function () {\n\t\tdismissed = true;\n\t\tbar.setAttribute('data-ge-visible', 'false');\n\t\ttry { sessionStorage.setItem(STORAGE_KEY, '1'); } catch (e) {}\n\t});\n})();<\/script><\/p>\n<div class=\"ge-article\">\n<p class=\"ge-byline\">By CUI LAW GROUP &nbsp;&middot;&nbsp; MAY 24, 2026 &nbsp;&middot;&nbsp; 12 MIN READ<\/p>\n<hr class=\"ge-byline-rule\" aria-hidden=\"true\">\n<figure class=\"ge-hero\"><img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1505664194779-8beaceb93744?w=1200&amp;auto=format&amp;q=78\" alt=\"Lady Justice statue holding scales against a soft backdrop.\" loading=\"lazy\"><figcaption>Photo by <a href=\"https:\/\/unsplash.com\/@tingeyinjurylawfirm\" target=\"_blank\" rel=\"noopener noreferrer\">Tingey Injury Law Firm<\/a> on <a href=\"https:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener noreferrer\">Unsplash<\/a><\/figcaption><\/figure>\n<hr \/>\n<h2>description: &quot;\u8428\u514b\u62c9\u95e8\u6258\u8087\u4e8b\u9003\u9038\u540e\uff0c\u5f88\u591a\u4eba\u7b2c\u4e00\u53cd\u5e94\u662f\u5148\u627e\u9003\u8dd1\u53f8\u673a\uff1b\u4f46\u5728\u52a0\u5dde\uff0c\u73b0\u5b9e\u91cc\u66f4\u5e38\u89c1\u3001\u4e5f\u66f4\u5b9e\u7528\u7684\u8def\u5f84\uff0c\u5f80\u5f80\u662f\u5148\u68c0\u67e5\u81ea\u5df1\u4fdd\u5355\u91cc\u7684UM\/UIM\u6743\u76ca\u3002\u672c\u6587\u7528\u901a\u4fd7\u65b9\u5f0f\u8bf4\u660e\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\u3001\u4e24\u5e74\u65f6\u6548\u3001\u8bc1\u636e\u3001SR-1\u7533\u62a5\u548c\u4ef2\u88c1\u6d41\u7a0b\u3002&quot;<br \/>\nauthor: &quot;CUI LAW GROUP&quot;<br \/>\ndate: &quot;2026-05-23&quot;<\/h2>\n<h1>\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\uff1a\u522b\u5148\u76ef\u7740\u8087\u4e8b\u53f8\u673a\uff0c\u5148\u770b\u4f60\u7684UM\/UIM\u6743\u76ca<\/h1>\n<p>\u4f60\u5728\u8428\u514b\u62c9\u95e8\u6258\u88ab\u649e\u4e86\uff0c\u5bf9\u65b9\u8dd1\u4e86\uff0c\u4fdd\u9669\u516c\u53f8\u4e00\u4e0a\u6765\u5c31\u95ee\uff1a\u4f60\u6709\u6ca1\u6709UM\/UIM\uff1f\u6709\u6ca1\u6709\u5b9e\u9645\u63a5\u89e6\uff1f\u6709\u6ca1\u6709\u53ca\u65f6\u62a5\u6848\uff1f\u8fd9\u65f6\u5019\uff0c\u5f88\u591a\u4eba\u8fd8\u5728\u6b7b\u76ef\u201c\u80fd\u4e0d\u80fd\u5148\u628a\u53f8\u673a\u627e\u51fa\u6765\u201d\u3002\u53ef\u8bf4\u5b9e\u8bdd\uff0c<strong>\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898<\/strong>\u91cc\uff0c\u6700\u5173\u952e\u7684\u5f80\u5f80\u4e0d\u662f\u5148\u627e\u5230\u9003\u8dd1\u53f8\u673a\uff0c\u800c\u662f\u5148\u628a\u4f60\u81ea\u5df1\u4fdd\u5355\u4e0b\u80fd\u4e0d\u80fd\u8d70UM\/UIM\u7406\u6e05\u695a\uff0c\u4e0d\u7136\u65f6\u95f4\u4e00\u62d6\uff0c\u8bc1\u636e\u548c\u65f6\u6548\u90fd\u53ef\u80fd\u5403\u4e8f\u3002<\/p>\n<h2>\u5148\u628a\u8def\u770b\u6e05\uff1a\u8087\u4e8b\u9003\u9038\u5728\u52a0\u5dde\uff0c\u901a\u5e38\u4e0d\u662f\u53ea\u6709\u4e00\u6761\u7d22\u8d54\u8def<\/h2>\n<p>\u522b\u614c\u3002\u8087\u4e8b\u9003\u9038\u6848\uff0c\u5e38\u5e38\u6709\u4e24\u6761\u8def\u5e76\u884c\uff0c\u4e0d\u662f\u4e00\u6761\u8def\u8d70\u5230\u9ed1\u3002<\/p>\n<p>\u7b2c\u4e00\u6761\uff0c\u662f\u4fb5\u6743\u7d22\u8d54\u3002\u4e5f\u5c31\u662f\u540e\u6765\u5982\u679c\u67e5\u5230\u53f8\u673a\u662f\u8c01\uff0c\u4f60\u53ef\u4ee5\u76f4\u63a5\u5bf9\u90a3\u4e2a\u53f8\u673a\u4e3b\u5f20\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u3002\u7b2c\u4e8c\u6761\uff0c\u662f\u4f60\u81ea\u5df1\u4fdd\u5355\u4e0b\u7684UM\/UIM\u7d22\u8d54\u3002\u8fd9\u4e2a\u66f4\u73b0\u5b9e\uff0c\u5c24\u5176\u662f\u4eba\u6ca1\u627e\u5230\u3001\u5bf9\u65b9\u6ca1\u4fdd\u9669\uff0c\u6216\u8005\u4fdd\u9669\u4e0d\u591f\u8d54\u7684\u65f6\u5019\u3002\u6838\u5fc3\u6cd5\u89c4\u5c31\u662f <strong>Insurance Code \u00a7 11580.2<\/strong>\u3002\u8fd9\u6761\u6cd5\u5f88\u91cd\u8981\uff0c\u8bb2\u767d\u4e86\uff0c\u5c31\u662f\u5f88\u591a\u52a0\u5dde\u8f66\u9669\u91cc\u7684\u65e0\u4fdd\u9669\/\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u4eba\u4fdd\u969c\uff0c\u5f80\u5f80\u662f\u4f60\u8087\u4e8b\u9003\u9038\u540e\u771f\u6b63\u80fd\u7528\u4e0a\u7684\u90a3\u7b14\u94b1\u3002<\/p>\n<p>\u6240\u4ee5\u4f60\u522b\u4e00\u5f00\u59cb\u5c31\u88ab\u201c\u627e\u4e0d\u5230\u4eba\u5c31\u6ca1\u6cd5\u8d54\u201d\u8fd9\u53e5\u8bdd\u5413\u4f4f\u3002\u5f88\u591a\u6848\u5b50\uff0c\u771f\u6b63\u5148\u52a8\u8d77\u6765\u7684\uff0c\u4e0d\u662f\u5bf9\u5916\u8d77\u8bc9\uff0c\u800c\u662f\u5148\u5bf9\u5185\u67e5\u4fdd\u5355\u3001\u62a5UM\/UIM\u3001\u8865\u8bc1\u636e\u3002\u9760\u8c31\u534e\u4eba\u5f8b\u5e08\uff0c\u4e0d\u9a97\u4eba\uff0c\u4eb2\u81ea\u529e\u6848\u4e0a\u5ead\uff0c\u7b2c\u4e00\u6b65\u901a\u5e38\u90fd\u4e0d\u662f\u7a7a\u558a\u53e3\u53f7\uff0c\u800c\u662f\u5148\u628a\u8fd9\u4e24\u6761\u8def\u5206\u6e05\u3002<\/p>\n<p>\u5982\u679c\u4f60\u60f3\u5148\u770b\u770b\u8fd9\u7c7b\u6848\u4ef6\u7684\u57fa\u7840\u8bf4\u660e\uff0c\u53ef\u4ee5\u8bfb\u8bfb<a href=\"http:\/\/cuilawgroup.com\/practice-areas\/auto-accidents\">CUI LAW GROUP \u7684\u8f66\u7978\u6848\u4ef6\u9875\u9762<\/a>\u3002<\/p>\n<h2>\u4e24\u5e74\uff0c\u4e0d\u957f\uff1a\u5148\u628a\u4e8b\u6545\u65e5\u671f\u9489\u6b7b\uff0c\u518d\u7b97\u65f6\u6548<\/h2>\n<p>\u8fd9\u4e2a\u5730\u65b9\uff0c\u5f88\u591a\u4eba\u6700\u5bb9\u6613\u5927\u610f\u3002\u4f60\u4ee5\u4e3a\u4fdd\u9669\u8fd8\u5728\u8c08\uff0c\u5c31\u7b49\u4e8e\u65f6\u95f4\u81ea\u52a8\u6682\u505c\uff1f\u4e0d\u4e00\u5b9a\u3002<\/p>\n<p>\u5728\u52a0\u5dde\uff0c\u666e\u901a\u8f66\u7978\u4eba\u8eab\u4f24\u5bb3\u7d22\u8d54\uff0c\u6838\u5fc3\u65f6\u6548\u901a\u5e38\u662f <strong>Code of Civil Procedure \u00a7 335.1<\/strong>\uff0c\u4e5f\u5c31\u662f\u4ece\u4e8b\u6545\u53d1\u751f\u65e5\u8d77\u7b97 <strong>2 years<\/strong>\u3002\u6ce8\u610f\uff0c\u662f\u4ece\u5177\u4f53\u649e\u8f66\u90a3\u4e00\u5929\u5f80\u540e\u7b97\uff0c\u4e0d\u662f\u4ece\u4f60\u611f\u89c9\u4f24\u53d8\u4e25\u91cd\u90a3\u5929\u7b97\uff0c\u4e5f\u4e0d\u662f\u4ece\u4fdd\u9669\u516c\u53f8\u6700\u540e\u4e00\u6b21\u56de\u4fe1\u90a3\u5929\u7b97\u3002<\/p>\n<p>\u4e3e\u4e2a\u5f88\u5e38\u89c1\u7684\u573a\u666f\u3002\u4e8b\u6545\u53d1\u751f\u5728\u67d0\u4e2a\u5468\u4e94\u665a\u4e0a\uff0c\u4f60\u7b2c\u4e8c\u5929\u624d\u77e5\u9053\u5bf9\u65b9\u8dd1\u4e86\uff0c\u4e09\u5468\u540e\u624d\u62ff\u5230\u62a5\u544a\uff0c\u4e00\u4e2a\u6708\u540e\u4fdd\u9669\u624d\u5f00\u59cb\u8ba4\u771f\u95ee\u4f60\u6709\u6ca1\u6709UM\u3002\u8fd9\u4e9b\u90fd\u4e0d\u6539\u53d8\u57fa\u672c\u601d\u8def\uff1a\u5148\u628a\u4e8b\u6545\u65e5\u671f\u8bb0\u6b7b\uff0c\u7acb\u523b\u5012\u6392 <strong>2 years<\/strong> \u7684\u6700\u540e\u4e00\u5929\u3002\u665a\u4e86\uff0c\u98ce\u9669\u975e\u5e38\u5927\u3002<\/p>\n<p>\u8fd8\u6709\u4eba\u4f1a\u95ee\uff1a\u6211\u8fd9\u4e0d\u662f\u5148\u8d70\u4fdd\u9669\u5417\uff0c\u8fd8\u8981\u7ba1\u8bc9\u8bbc\u65f6\u6548\uff1f\u8981\u3002\u56e0\u4e3a\u5982\u679c\u540e\u6765\u53f8\u673a\u88ab\u627e\u5230\uff0c\u4fb5\u6743\u90a3\u6761\u8def\u8fd8\u5728\u4e0d\u5728\uff0c\u5e38\u5e38\u5c31\u770b\u4f60\u6709\u6ca1\u6709\u5b88\u4f4f\u8fd9\u4e2a\u65f6\u9650\u3002\u8428\u514b\u62c9\u95e8\u6258\u7684\u6848\u5b50\u4e5f\u4e00\u6837\uff0c\u5730\u65b9\u7a0b\u5e8f\u53ef\u80fd\u4e0d\u540c\uff0c\u4f46\u52a0\u5dde\u8fd9\u4e2a\u5927\u6846\u67b6\u4e0d\u53d8\u3002<\/p>\n<p>\u60f3\u66f4\u7cfb\u7edf\u4e86\u89e3\u7d22\u8d54\u51c6\u5907\u6750\u6599\uff0c\u4e5f\u53ef\u4ee5\u770b<a href=\"http:\/\/cuilawgroup.com\/practice-areas\/personal-injury\">CUI LAW GROUP \u7684\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u8bf4\u660e<\/a>\u3002<\/p>\n<h2>\u4f60\u81ea\u5df1\u4e5f\u53ef\u80fd\u88ab\u5206\u8d23\u4efb\uff1a\u52a0\u5dde\u662f\u7eaf\u6bd4\u8f83\u8fc7\u5931\uff0c\u4e0d\u662f\u5168\u6709\u6216\u5168\u65e0<\/h2>\n<p>\u8fd9\u4e2a\u95ee\u9898\uff0c\u4fdd\u9669\u516c\u53f8\u5f88\u7231\u95ee\u3002\u4f60\u6709\u6ca1\u6709\u6025\u5239\uff1f\u6709\u6ca1\u6709\u53d8\u9053\uff1f\u6709\u6ca1\u6709\u770b\u624b\u673a\uff1f\u4e3a\u4ec0\u4e48\uff1f\u56e0\u4e3a\u52a0\u5dde\u8d70\u7684\u662f<strong>\u7eaf\u6bd4\u8f83\u8fc7\u5931<\/strong>\u3002<\/p>\n<p>\u6838\u5fc3\u5728 <strong>Civil Code \u00a7 1714<\/strong>\u3002\u610f\u601d\u5f88\u76f4\u63a5\uff1a\u5c31\u7b97\u5bf9\u65b9\u660e\u663e\u6709\u9519\uff0c\u4f60\u5982\u679c\u4e5f\u6709\u4e00\u90e8\u5206\u8d23\u4efb\uff0c\u4f60\u7684\u8d54\u507f\u53ef\u80fd\u6309\u4f60\u7684\u8d23\u4efb\u6bd4\u4f8b\u5f80\u4e0b\u51cf\uff1b\u4f46\u53ea\u8981\u4f60\u4e0d\u662f <strong>100%<\/strong> \u8d23\u4efb\uff0c\u901a\u5e38\u4e0d\u662f\u5b8c\u5168\u6ca1\u673a\u4f1a\u3002\u8fd9\u4e2a\u89c4\u5219\uff0c\u4e0d\u7ba1\u5bf9\u65b9\u540e\u6765\u6709\u6ca1\u6709\u88ab\u627e\u5230\uff0c\u90fd\u4f1a\u5f71\u54cd\u8d54\u507f\u8ba8\u8bba\u3002<\/p>\n<p>\u6bd4\u5982\u8bf4\uff0c\u5bf9\u65b9\u8087\u4e8b\u540e\u9003\u8dd1\uff0c\u8fd9\u5f53\u7136\u5f88\u4e25\u91cd\uff0c\u4e5f\u4f1a\u8ba9\u5bf9\u65b9\u5728\u4e8b\u5b9e\u5224\u65ad\u4e0a\u5f88\u96be\u770b\u3002\u4f46\u8fd9\u4e0d\u4ee3\u8868\u4f60\u7684\u8d23\u4efb\u81ea\u52a8\u5f52\u96f6\u3002\u8981\u662f\u8bc1\u636e\u663e\u793a\u4f60\u5f53\u65f6\u8ddf\u8f66\u592a\u8fd1\u3001\u8d85\u901f\u3001\u6216\u6709\u5176\u4ed6\u64cd\u4f5c\u95ee\u9898\uff0c\u4fdd\u9669\u516c\u53f8\u6216\u8005\u5c06\u6765\u7684\u88ab\u544a\u90fd\u53ef\u80fd\u4e89\u4f60\u7684\u4e00\u90e8\u5206\u8d23\u4efb\u6bd4\u4f8b\u3002<\/p>\n<p>\u6240\u4ee5\u4f60\u770b\uff0c\u8087\u4e8b\u9003\u9038\u4e0d\u7b49\u4e8e\u6848\u5b50\u81ea\u52a8\u8d62\u3002\u8fd8\u662f\u8981\u8bb2\u8bc1\u636e\uff0c\u8bb2\u78b0\u649e\u65b9\u5f0f\uff0c\u8bb2\u56e0\u679c\u5173\u7cfb\uff0c\u8bb2\u4f24\u600e\u4e48\u6765\u7684\u3002\u522b\u6015\uff0c\u4f46\u4e5f\u522b\u60f3\u5f53\u7136\u3002<\/p>\n<h2>\u75bc\u75db\u8d54\u507f\u600e\u4e48\u5206\uff1f\u4f60\u5f97\u61c2 Proposition 51 \u8fd9\u4e2a\u89c4\u5219<\/h2>\n<p>\u5f88\u591a\u4eba\u8c08\u8d54\u507f\uff0c\u53ea\u60f3\u5230\u201c\u80fd\u8d54\u591a\u5c11\u201d\uff0c\u6ca1\u60f3\u5230\u201c\u4ece\u8c01\u90a3\u91cc\u62ff\u54ea\u4e00\u7c7b\u8d54\u507f\u201d\u3002<\/p>\n<p>\u52a0\u5dde\u8fd8\u6709\u4e00\u4e2a\u5f88\u5173\u952e\u7684\u89c4\u5219\uff0c\u5c31\u662f <strong>Civil Code \u00a7 1431.2<\/strong>\uff0c\u4e5f\u5c31\u662f\u5e38\u8bf4\u7684 Proposition 51\u3002\u5b83\u5bf9<strong>\u975e\u7ecf\u6d4e\u635f\u5bb3<\/strong>\u5f88\u91cd\u8981\uff0c\u6bd4\u5982\u75bc\u75db\u3001\u75db\u82e6\u3001\u751f\u6d3b\u8d28\u91cf\u4e0b\u964d\u8fd9\u7c7b\uff0c\u901a\u5e38\u6309\u5404\u65b9\u7684<strong>\u8d23\u4efb\u767e\u5206\u6bd4<\/strong>\u5206\u522b\u627f\u62c5\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u8fd9\u90e8\u5206\u4e0d\u662f\u8c01\u90fd\u66ff\u8c01\u5168\u5305\u3002<\/p>\n<p>\u4f46<strong>\u7ecf\u6d4e\u635f\u5bb3<\/strong>\uff0c\u50cf\u533b\u7597\u8d26\u5355\u3001\u8bef\u5de5\u3001\u672a\u6765\u6cbb\u7597\u3001\u8d22\u4ea7\u635f\u5931\uff0c\u5206\u6790\u65b9\u5f0f\u53c8\u4e0d\u5b8c\u5168\u4e00\u6837\uff0c\u8fd8\u662f\u8981\u653e\u5728\u6bd4\u8f83\u8fc7\u5931\u548c\u5177\u4f53\u8d54\u507f\u6765\u6e90\u91cc\u770b\u3002\u8087\u4e8b\u9003\u9038\u6848\u91cc\u5c24\u5176\u5982\u6b64\uff1a\u5982\u679c\u9003\u8dd1\u53f8\u673a\u540e\u6765\u627e\u5230\u4e86\uff0c\u4f60\u53ef\u80fd\u4e00\u8fb9\u9762\u5bf9\u8d23\u4efb\u6bd4\u4f8b\u5206\u914d\uff0c\u4e00\u8fb9\u8fd8\u5728\u770b\u81ea\u5df1\u7684UM\u989d\u5ea6\u591f\u4e0d\u591f\u3001\u80fd\u4e0d\u80fd\u8865\u4e0a\u7f3a\u53e3\u3002<\/p>\n<p>\u6240\u4ee5\u522b\u628a\u8d54\u507f\u53ea\u770b\u6210\u4e00\u4e2a\u603b\u6570\u5b57\u3002\u4f60\u6700\u597d\u4ece\u4e00\u5f00\u59cb\u5c31\u5206\u7c7b\u8bb0\uff1a\u533b\u7597\u8d39\u3001\u8bef\u5de5\u3001\u672a\u6765\u62a4\u7406\u3001\u8f66\u8f86\u635f\u574f\u3001\u75bc\u75db\u548c\u7cbe\u795e\u75db\u82e6\uff0c\u5404\u8bb0\u5404\u7684\u3002\u540e\u9762\u65e0\u8bba\u8c08\u5224\u3001\u4ef2\u88c1\uff0c\u8fd8\u662f\u8fdb\u6cd5\u9662\uff0c\u8fd9\u6837\u90fd\u66f4\u6e05\u695a\u3002<\/p>\n<figure class=\"ge-inline\"><img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1551836022-d5d88e9218df?w=1100&amp;auto=format&amp;q=78\" alt=\"Empty leather chair facing a quiet office window.\" loading=\"lazy\"><figcaption>Photo by <a href=\"https:\/\/unsplash.com\/@israelandrxde\" target=\"_blank\" rel=\"noopener noreferrer\">Israel Andrade<\/a> on <a href=\"https:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener noreferrer\">Unsplash<\/a><\/figcaption><\/figure>\n<h2>\u5bf9\u65b9\u9003\u8dd1\uff0c\u5f53\u7136\u8fdd\u6cd5\uff1b\u4f46\u8fdd\u6cd5\u4e0d\u7b49\u4e8e\u6c11\u4e8b\u81ea\u52a8\u6210\u7acb<\/h2>\n<p>\u8fd9\u70b9\u4e5f\u8981\u8bf4\u6e05\u3002\u52a0\u5dde\u7684\u8087\u4e8b\u9003\u9038\u4e49\u52a1\uff0c\u4e3b\u8981\u770b <strong>Vehicle Code \u00a7 20001<\/strong> \u548c <strong>Vehicle Code \u00a7 20002<\/strong>\u3002<\/p>\n<p>\u5982\u679c\u4e8b\u6545\u6709\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1\uff0c\u901a\u5e38\u4f1a\u6d89\u53ca <strong>Vehicle Code \u00a7 20001<\/strong>\uff1b\u5982\u679c\u4e3b\u8981\u662f\u8d22\u4ea7\u635f\u5931\uff0c\u5219\u5e38\u89c1 <strong>Vehicle Code \u00a7 20002<\/strong>\u3002\u8fd9\u4e9b\u89c4\u5b9a\u8981\u6c42\u53f8\u673a\u505c\u8f66\u3001\u63d0\u4f9b\u4fe1\u606f\u3001\u5c65\u884c\u62a5\u544a\u548c\u534f\u52a9\u4e49\u52a1\u3002\u5bf9\u65b9\u8dd1\u4e86\uff0c\u8fd9\u4ef6\u4e8b\u672c\u8eab\u5bf9\u4f60\u4e3b\u5f20\u5bf9\u65b9\u6709\u95ee\u9898\u975e\u5e38\u6709\u5e2e\u52a9\uff0c\u4e5f\u5e38\u5e38\u80fd\u652f\u6301\u201c\u5bf9\u65b9\u6709\u8fc7\u9519\u610f\u8bc6\u201d\u7684\u63a8\u8bba\u3002<\/p>\n<p>\u4f46\u662f\uff0c\u8bdd\u8bf4\u56de\u6765\uff0c\u4ea4\u901a\u8fdd\u6cd5\u672c\u8eab\u4e0d\u81ea\u52a8\u7b49\u4e8e\u6c11\u4e8b\u8d23\u4efb100%\u6210\u7acb\u3002\u4f60\u5728\u6c11\u4e8b\u6848\u91cc\uff0c\u8fd8\u662f\u5f97\u8bc1\u660e\u51e0\u4e2a\u57fa\u672c\u4e1c\u897f\uff1a\u5bf9\u65b9\u6709\u6ce8\u610f\u4e49\u52a1\u3001\u8fdd\u53cd\u4e86\u4e49\u52a1\u3001\u8fd9\u4e8b\u5bfc\u81f4\u4e86\u4f60\u7684\u4f24\u5bb3\u3001\u4f60\u6709\u5b9e\u9645\u635f\u5931\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u9003\u8dd1\u5f88\u574f\uff0c\u5f88\u5173\u952e\uff0c\u4f46\u8fd8\u4e0d\u662f\u5168\u90e8\u3002<\/p>\n<p>\u4fdd\u9669\u516c\u53f8\u3001\u5bf9\u65b9\u5f8b\u5e08\uff0c\u751a\u81f3\u4ef2\u88c1\u5458\uff0c\u6700\u540e\u770b\u7684\u662f\u5b8c\u6574\u8bc1\u636e\u94fe\uff0c\u4e0d\u662f\u53ea\u770b\u4e00\u5f20\u7f5a\u5355\u3002<\/p>\n<h2>UM\/UIM\u7406\u8d54\u6700\u5bb9\u6613\u5361\u5728\u54ea\uff1f\u5f88\u591a\u5c31\u5361\u5728\u201c\u6709\u6ca1\u6709\u78b0\u5230\u201d\u548c\u201c\u62a5\u5f97\u591f\u4e0d\u591f\u5feb\u201d<\/h2>\n<p>\u8fd9\u662f\u771f\u95ee\u9898\u3002\u4e0d\u662f\u7eb8\u4e0a\u95ee\u9898\uff0c\u662f\u5f88\u591a\u6848\u5b50\u4e00\u4e0a\u6765\u5c31\u5361\u4f4f\u7684\u95ee\u9898\u3002<\/p>\n<p>\u8087\u4e8b\u9003\u9038\u8d70UM\/UIM\uff0c\u6838\u5fc3\u8fd8\u662f <strong>Insurance Code \u00a7 11580.2<\/strong>\u3002\u8fd9\u6761\u6cd5\u4e0b\u9762\uff0c\u4fdd\u9669\u516c\u53f8\u5e38\u5e38\u4f1a\u6293\u51e0\u4e2a\u70b9\uff1a\u7b2c\u4e00\uff0c\u4f60\u8fd9\u4e2a\u5230\u5e95\u7b97\u4e0d\u7b97\u7b26\u5408\u4fdd\u5355\u548c\u6cd5\u5f8b\u5b9a\u4e49\u4e0b\u7684hit-and-run\uff1b\u7b2c\u4e8c\uff0c\u6709\u6ca1\u6709\u8db3\u591f\u8bc1\u636e\u8bc1\u660e\u786e\u5b9e\u53d1\u751f\u4e86\u78b0\u649e\uff1b\u7b2c\u4e09\uff0c\u662f\u5426\u5b58\u5728\u5e38\u88ab\u63d0\u5230\u7684<strong>physical contact<\/strong>\u95ee\u9898\uff1b\u7b2c\u56db\uff0c\u4f60\u6709\u6ca1\u6709\u6309\u8981\u6c42\u53ca\u65f6\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u3002<\/p>\n<p>\u5c24\u5176\u5728\u201c\u88ab\u903c\u95ea\u907f\u3001\u81ea\u5df1\u649e\u4e86\uff0c\u4f46\u6ca1\u76f4\u63a5\u78b0\u5230\u5bf9\u65b9\u8f66\u201d\u7684\u60c5\u5f62\uff0c\u4e89\u8bae\u5f80\u5f80\u66f4\u5927\u3002\u4e0d\u662f\u8bf4\u4e00\u5b9a\u4e0d\u80fd\u8d54\uff0c\u800c\u662f\u4fdd\u9669\u516c\u53f8\u66f4\u53ef\u80fd\u5361\u8986\u76d6\u8303\u56f4\u3002\u518d\u6bd4\u5982\uff0c\u4f60\u660e\u660e\u6709UM\uff0c\u5374\u53ea\u51ed\u53e3\u8ff0\uff0c\u6ca1\u6709\u7167\u7247\u3001\u6ca1\u6709\u8f66\u635f\u3001\u6ca1\u6709\u76ee\u51fb\u8bc1\u4eba\u3001\u6ca1\u6709911\u8bb0\u5f55\uff0c\u8fd9\u79cd\u6848\u5b50\u4e5f\u4f1a\u66f4\u96be\u8c08\u3002<\/p>\n<p>\u6240\u4ee5\u522b\u53ea\u542c\u4fdd\u9669 adjuster \u95ee\u8bdd\u3002\u4f60\u8981\u4e3b\u52a8\u628a\u4fdd\u5355\u5168\u6587\u8981\u6765\uff0c\u770bdeclarations page\uff0c\u770bendorsements\uff0c\u770bUM\/UIM\u5230\u5e95\u6709\u6ca1\u6709\u3001\u989d\u5ea6\u591a\u5c11\u3001\u6392\u9664\u6761\u6b3e\u600e\u4e48\u5199\u3002\u52a0\u5dde\u6cd5\u5f8b\u628aUM\u653e\u8fdb\u5927\u6846\u67b6\u91cc\uff0c\u4f46\u771f\u6b63\u843d\u5230\u4f60\u6848\u5b50\uff0c\u8fd8\u662f\u5f97\u6cd5\u6761\u52a0\u4fdd\u5355\u4e00\u8d77\u770b\u3002<\/p>\n<p>\u5982\u679c\u4f60\u5df2\u7ecf\u5728\u548c\u4fdd\u9669\u516c\u53f8\u62c9\u626f\uff0c\u6216\u8005\u5bf9\u65b9\u4e00\u53e3\u54ac\u5b9a\u201c\u6ca1\u6709\u8986\u76d6\u201d\uff0c\u53ef\u4ee5\u770b\u770b<a href=\"http:\/\/cuilawgroup.com\/contact-us\">CUI LAW GROUP \u7684\u8054\u7cfb\u6211\u4eec\u9875\u9762<\/a>\uff0c\u5148\u628a\u6750\u6599\u7ed9\u61c2\u52a0\u5dde\u8f66\u7978\u548c\u4fdd\u9669\u4e89\u8bae\u7684\u4eba\u8fc7\u4e00\u904d\u3002CUI LAW GROUP \u5904\u7406\u4eba\u8eab\u4f24\u5bb3\u3001\u8f66\u7978\u548c\u5361\u8f66\u4e8b\u6545\uff0c\u4e5f\u80fd\u7528\u4e2d\u6587\u548cEnglish\u6c9f\u901a\u3002<\/p>\n<h2>\u80fd\u8d54\u4ec0\u4e48\uff1f\u522b\u53ea\u76ef\u4fee\u8f66\u94b1<\/h2>\n<p>\u5f88\u591a\u53d7\u5bb3\u4eba\u7b2c\u4e00\u65f6\u95f4\u53ea\u60f3\u5230\u4fee\u8f66\u3002\u5176\u5b9e\u771f\u6b63\u5728\u4eba\u4f24\u6848\u91cc\uff0c\u901a\u5e38\u4e0d\u6b62\u8fd9\u4e2a\u3002<\/p>\n<p>\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4f24\u5bb3\u7d22\u8d54\u91cc\uff0c\u5e38\u89c1\u635f\u5931\u5305\u62ec\uff1a\u533b\u7597\u8d39\u7528\u3001\u8bef\u5de5\u6536\u5165\u3001\u672a\u6765\u6cbb\u7597\u3001\u8d22\u4ea7\u635f\u5931\u3001\u75bc\u75db\u4e0e\u75db\u82e6\u3002\u73b0\u5b9e\u91cc\uff0c\u5982\u679c\u8087\u4e8b\u53f8\u673a\u672a\u77e5\u6216\u8005\u6ca1\u4fdd\u9669\uff0c\u771f\u6b63\u7684\u8d54\u507f\u6765\u6e90\uff0c\u5e38\u5e38\u5c31\u662f\u4f60\u81ea\u5df1\u4fdd\u5355\u7684UM\u9650\u989d\uff0c\u800c\u4e0d\u662f\u53bb\u8ffd\u4e00\u4e2a\u4f60\u8fde\u540d\u5b57\u90fd\u4e0d\u77e5\u9053\u7684\u4eba\u3002<\/p>\n<p>\u8fd9\u91cc\u8fd8\u8981\u987a\u624b\u63d0\u9192\u4e00\u4e2a\u80cc\u666f\u6570\u5b57\u3002\u52a0\u5dde\u6700\u4f4e\u8d23\u4efb\u9669\u6807\u51c6\u5728 <strong>January 1, 2025<\/strong> \u8d77\u63d0\u9ad8\u5230 <strong>$30,000 \/ $60,000 \/ $15,000<\/strong>\u3002\u8fd9\u6bd4\u8fc7\u53bb\u9ad8\u4e86\uff0c\u4f46\u5bf9\u4e25\u91cd\u4f24\u60c5\u6765\u8bf4\uff0c\u4ecd\u7136\u53ef\u80fd\u8fdc\u8fdc\u4e0d\u591f\u3002\u6240\u4ee5UM\/UIM\u4e0d\u662f\u53ef\u6709\u53ef\u65e0\uff0c\u5f88\u591a\u65f6\u5019\u662f\u4f60\u7684\u4e3b\u6218\u573a\u3002<\/p>\n<p>\u5982\u679c\u4f24\u6bd4\u8f83\u91cd\uff0c\u540e\u7eed\u6cbb\u7597\u62c9\u5f97\u5f88\u957f\uff0c\u6216\u8005\u5de5\u4f5c\u53d7\u5f71\u54cd\uff0c\u522b\u53ea\u7559\u603b\u989d\uff0c\u6700\u597d\u6309\u7c7b\u522b\u7559\u5355\u636e\u3002\u540e\u9762\u65e0\u8bba\u4f60\u662f\u5728\u8c08UM\uff0c\u8fd8\u662f\u53d1\u73b0\u5bf9\u65b9\u53f8\u673a\u540e\u7ee7\u7eed\u8ffd\u4fb5\u6743\uff0c\u8fd9\u4e9b\u5206\u7c7b\u90fd\u5f88\u5173\u952e\u3002<\/p>\n<h2>\u8428\u514b\u62c9\u95e8\u6258\u672c\u5730\u7a0b\u5e8f\uff0c\u4e0d\u5c11\u4eba\u7b2c\u4e00\u6b21\u542c\uff1aUM\u4e89\u8bae\u5e38\u5e38\u4f1a\u8d70\u4ef2\u88c1\uff0c\u8fd8\u53ef\u80fd\u6709180\u5929\u505c\u6ede<\/h2>\n<p>\u8fd9\u4e2a\u5730\u65b9\u5f88\u201c\u672c\u5730\u5316\u201d\uff0c\u4f46\u5f88\u91cd\u8981\u3002<\/p>\n<p>\u5728\u8428\u514b\u62c9\u95e8\u6258\u9ad8\u7b49\u6cd5\u9662\uff0cUM\u6848\u4ef6\u6709\u5b83\u81ea\u5df1\u7684\u7a0b\u5e8f\u6587\u4ef6\u3002\u6bd4\u5982\u6cd5\u9662\u7684 <strong>Uninsured Motorist Statement (CV-132)<\/strong>\uff0c\u4f1a\u63d0\u5230\u8fd9\u7c7b\u6848\u4ef6\u4f5c\u4e3a\u65e0\u4fdd\u9669\u9a7e\u9a76\u4eba\u6848\u4ef6\u5904\u7406\uff0c\u5e76\u53ef\u80fd\u6d89\u53ca <strong>Government Code \u00a7 68609.5<\/strong>\u3001<strong>Insurance Code \u00a7 11580.2<\/strong>\uff0c\u4ee5\u53ca <strong>California Rule of Court 3.712(b)<\/strong>\u3001<strong>Local Rule 2.49<\/strong>\u3002\u5b9e\u52a1\u4e0a\uff0c\u8fd8\u53ef\u80fd\u51fa\u73b0 <strong>180-day stay<\/strong>\uff0c\u4e5f\u5c31\u662f\u5148\u505c\u4e00\u6bb5\u65f6\u95f4\uff0c\u518d\u7ee7\u7eed\u5f80\u4e0b\u8d70\u3002<\/p>\n<p>\u4e3a\u4ec0\u4e48\uff1f\u56e0\u4e3aUM\u4e89\u8bae\u5728\u52a0\u5dde\u5f88\u591a\u65f6\u5019\u4e0d\u662f\u4f20\u7edf\u966a\u5ba1\u56e2\u5ba1\u5230\u5e95\uff0c\u800c\u662f\u901a\u8fc7\u534f\u8bae\u6216\u4ef2\u88c1\u89e3\u51b3\u3002\u7814\u7a76\u548c\u8fd1\u5e74\u6750\u6599\u4e5f\u90fd\u53cd\u6620\uff0c<strong>2021<\/strong>\u3001<strong>2025<\/strong> \u76f8\u5173\u52a0\u5dde\u5224\u4f8b\u548c\u7a0b\u5e8f\u5b9e\u8df5\u91cc\uff0cUM\/UIM\u5173\u4e8e\u8d23\u4efb\u548c\u635f\u5bb3\u6570\u989d\u7684\u4e89\u8bae\uff0c\u5e38\u5e38\u8981\u8fdb\u4ef2\u88c1\u3002\u771f\u6709\u4e89\u8bae\uff0c\u522b\u5e7b\u60f3\u4fdd\u9669\u516c\u53f8\u51e0\u901a\u7535\u8bdd\u5c31\u723d\u5feb\u4ed8\u94b1\u3002<\/p>\n<p>\u8fd9\u4e0d\u4ee3\u8868\u4f60\u6ca1\u8def\u3002\u6070\u6070\u76f8\u53cd\uff0c\u8fd9\u4ee3\u8868\u4f60\u8981\u65e9\u70b9\u6309UM\u7684\u6253\u6cd5\u51c6\u5907\uff1a\u8bc1\u636e\u3001\u8d26\u5355\u3001\u4f24\u60c5\u3001\u8d23\u4efb\u5206\u6790\uff0c\u90fd\u8981\u4e3a\u4ef2\u88c1\u6216\u6cd5\u9662\u7a0b\u5e8f\u505a\u51c6\u5907\u3002<\/p>\n<figure class=\"ge-inline\"><img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1486406146926-c627a92ad1ab?w=1100&amp;auto=format&amp;q=78\" alt=\"Pen poised over a printed contract.\" loading=\"lazy\"><figcaption>Photo by <a href=\"https:\/\/unsplash.com\/@cytonn_photography\" target=\"_blank\" rel=\"noopener noreferrer\">Cytonn Photography<\/a> on <a href=\"https:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener noreferrer\">Unsplash<\/a><\/figcaption><\/figure>\n<h2>\u5148\u522b\u7a7a\u8c08\u9053\u7406\uff0c\u5148\u62a2\u8bc1\u636e\uff1a\u524d72\u5c0f\u65f6\u6700\u503c\u94b1<\/h2>\n<p>\u8087\u4e8b\u9003\u9038\u6848\uff0c\u8bc1\u636e\u6bd4\u666e\u901a\u8ffd\u5c3e\u66f4\u5bb9\u6613\u6563\u6389\u3002\u4f60\u6162\u4e00\u5929\uff0c\u76d1\u63a7\u6ca1\u4e86\uff1b\u6162\u4e24\u5929\uff0c\u76ee\u51fb\u8005\u8054\u7cfb\u4e0d\u4e0a\uff1b\u6162\u4e09\u5929\uff0c\u73b0\u573a\u75d5\u8ff9\u6e05\u4e86\u3002<\/p>\n<p>\u6240\u4ee5\uff0c\u5148\u505a\u5b9e\u4e8b\u3002\u524d <strong>72 hours<\/strong>\uff0c\u5c3d\u91cf\u628a\u8fd9\u4e9b\u4e1c\u897f\u6293\u4f4f\uff1a<\/p>\n<h3>\u8b66\u65b9\u4fe1\u606f<\/h3>\n<p>\u62a5\u6848\u56de\u6267\u3001\u4e8b\u6545\u7f16\u53f7\u3001\u5904\u7406\u673a\u6784\u540d\u79f0\u3001\u63a5\u8b66\u65f6\u95f4\u3002\u6ca1\u6709\u8fd9\u4e9b\uff0c\u540e\u9762\u5f88\u591a\u73af\u8282\u90fd\u6162\u3002<\/p>\n<h3>\u76ee\u51fb\u8bc1\u4eba<\/h3>\n<p>\u540d\u5b57\u3001\u7535\u8bdd\u3001\u770b\u5230\u4ec0\u4e48\u3001\u4ece\u54ea\u4e2a\u89d2\u5ea6\u770b\u5230\u3002\u522b\u53ea\u8bf4\u201c\u73b0\u573a\u6709\u4eba\u770b\u89c1\u201d\uff0c\u6ca1\u8054\u7cfb\u65b9\u5f0f\u5c31\u7b49\u4e8e\u6ca1\u6709\u3002<\/p>\n<h3>\u5f71\u50cf\u548c\u73b0\u573a\u7167\u7247<\/h3>\n<p>\u9644\u8fd1\u5546\u5bb6\u76d1\u63a7\u3001\u4f4f\u5b85\u95e8\u94c3\u89c6\u9891\u3001\u884c\u8f66\u8bb0\u5f55\u4eea\u3001\u4ea4\u901a\u6444\u50cf\u5934\u3001\u4f60\u8f66\u4e0a\u7684\u635f\u4f24\u3001\u5730\u9762\u788e\u7247\u3001\u5239\u8f66\u75d5\u3001\u6389\u843d\u7269\u3002\u8d8a\u65e9\u62ff\uff0c\u8d8a\u6709\u7528\u3002<\/p>\n<h3>\u533b\u7597\u8bb0\u5f55<\/h3>\n<p>\u6025\u8bca\u3001\u5f71\u50cf\u3001\u95e8\u8bca\u3001\u7406\u7597\u3001\u5904\u65b9\u3001\u4f11\u5de5\u8bc1\u660e\u3002\u4f24\u662f\u600e\u4e48\u6765\u7684\uff0c\u4ec0\u4e48\u65f6\u5019\u5f00\u59cb\u75db\uff0c\u533b\u751f\u7b2c\u4e00\u65f6\u95f4\u600e\u4e48\u8bb0\u7684\uff0c\u8fd9\u4e9b\u90fd\u5f88\u5173\u952e\u3002<\/p>\n<h3>\u4fdd\u9669\u6750\u6599<\/h3>\n<p>\u4fdd\u5355\u58f0\u660e\u9875\u3001UM\/UIM\u90e8\u5206\u3001\u6240\u6709\u90ae\u4ef6\u3001\u77ed\u4fe1\u3001\u7406\u8d54\u5458\u6765\u4fe1\u3002\u522b\u53ea\u6253\u7535\u8bdd\uff0c\u5c3d\u91cf\u628a\u5173\u952e\u95ee\u9898\u7528\u4e66\u9762\u786e\u8ba4\u3002<\/p>\n<p>\u8fd9\u7c7b\u6848\u5b50\uff0c\u5f88\u591a\u65f6\u5019\u8bc1\u636e\u672c\u6765\u5c31\u662f\u95f4\u63a5\u8bc1\u636e\u3002\u62fc\u7684\u4e0d\u662f\u8c01\u558a\u5f97\u5927\u58f0\uff0c\u662f\u8c01\u7559\u4e0b\u6765\u7684\u4e1c\u897f\u66f4\u5b8c\u6574\u3002<\/p>\n<h2>\u8fd8\u6709\u4e00\u4e2a\u5f88\u591a\u4eba\u6f0f\u6389\u7684\u8868\uff1aSR-1\uff0c\u4e0d\u662f\u62a5\u4e86\u8b66\u5c31\u7b97\u5b8c<\/h2>\n<p>\u8fd9\u4e2a\u771f\u522b\u6f0f\u3002\u52a0\u5ddeDMV\u8981\u6c42\uff0c\u5982\u679c\u4e8b\u6545\u6709\u4eba\u53d7\u4f24\uff0c\u6216\u8005\u8d22\u4ea7\u635f\u5931\u8d85\u8fc7 <strong>$1,000<\/strong>\uff0c\u4f60\u3001\u4f60\u7684\u4fdd\u9669\u4ee3\u7406\u4eba\u3001\u7ecf\u7eaa\u4eba\uff0c\u6216\u8005\u6cd5\u5f8b\u4ee3\u8868\uff0c\u901a\u5e38\u8981\u5728 <strong>10 days<\/strong> \u5185\u63d0\u4ea4 <strong>SR-1<\/strong>\u3002<\/p>\n<p>\u6ce8\u610f\uff0cSR-1 \u662f\u4ea4\u7ed9DMV\u7684\u3002\u5b83<strong>\u4e0d\u662f<\/strong>\u8b66\u65b9\u62a5\u544a\u7684\u66ff\u4ee3\uff0c\u4e5f<strong>\u4e0d\u662f<\/strong>\u5355\u7eaf\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u7684\u66ff\u4ee3\u3002\u4e09\u4ef6\u4e8b\uff0c\u53ef\u80fd\u90fd\u8981\u505a\uff1a\u62a5\u6848\u3001\u901a\u77e5\u4fdd\u9669\u3001\u62a5SR-1\u3002\u5f88\u591a\u4eba\u4ee5\u4e3a\u201c\u6211\u5df2\u7ecf\u62a5\u8b66\u4e86\uff0c\u6240\u4ee5DMV\u90a3\u8fb9\u81ea\u52a8\u6709\u4e86\u201d\uff0c\u4e0d\u662f\u8fd9\u4e48\u56de\u4e8b\u3002<\/p>\n<p>\u6240\u4ee5\u6d41\u7a0b\u4e0a\u522b\u6df7\u3002\u4f60\u53ef\u4ee5\u8fd9\u6837\u8bb0\uff1a<\/p>\n<ol>\n<li>\u5148\u62a5\u8b66\uff0c\u62ff\u7f16\u53f7\uff1b<\/li>\n<li>\u5c3d\u5feb\u901a\u77e5\u4fdd\u9669\u516c\u53f8\uff1b<\/li>\n<li>\u7b26\u5408\u95e8\u69db\u5c31\u4ea4SR-1\uff0c\u5e76\u4fdd\u7559\u63d0\u4ea4\u8bc1\u660e\u3002<\/li>\n<\/ol>\n<h2>\u4f60\u73b0\u5728\u80fd\u505a\u4ec0\u4e48\uff1a\u522b\u62d6\uff0c\u6309\u8fd9\u4e2a\u987a\u5e8f\u6765<\/h2>\n<p>\u5148\u505a\u6700\u5b9e\u9645\u7684\uff0c\u4e0d\u7ed5\u5f2f\u3002<\/p>\n<ol>\n<li><strong>\u786e\u8ba4\u51c6\u786e\u4e8b\u6545\u65e5\u671f<\/strong>\uff0c\u9a6c\u4e0a\u628a <strong>Code of Civil Procedure \u00a7 335.1<\/strong> \u4e0b\u9762\u7684 <strong>2 years<\/strong> \u65f6\u6548\u8bb0\u8fdb\u65e5\u5386\u3002<\/li>\n<li><strong>\u628a\u5b8c\u6574\u8f66\u9669\u4fdd\u5355\u8981\u51fa\u6765<\/strong>\uff0c\u4e0d\u53ea\u770b\u5c01\u9762\uff0c\u8981\u770bUM\/UIM\u58f0\u660e\u9875\u548c\u9644\u52a0\u6761\u6b3e\uff0c\u522b\u8ba9\u4fdd\u9669\u516c\u53f8\u4e00\u53e5\u8bdd\u5c31\u628a\u4f60\u6321\u56de\u53bb\u3002<\/li>\n<li><strong>\u524d72\u5c0f\u65f6\u5185\u5c3d\u91cf\u4fdd\u5168\u8bc1\u636e<\/strong>\uff1a\u7167\u7247\u3001\u89c6\u9891\u3001\u8bc1\u4eba\u8054\u7cfb\u65b9\u5f0f\u3001\u8f66\u8f86\u635f\u4f24\u3001\u9996\u6b21\u5c31\u533b\u8bb0\u5f55\u3002<\/li>\n<li><strong>\u7b26\u5408\u6761\u4ef6\u5c31\u4ea4SR-1<\/strong>\uff0c\u5c24\u5176\u662f\u6709\u4eba\u4f24\u6216\u8d22\u4ea7\u635f\u5931\u8d85\u8fc7 <strong>$1,000<\/strong> \u65f6\uff0c\u8bb0\u4f4f <strong>10 days<\/strong> \u8fd9\u4e2a\u8282\u70b9\u3002<\/li>\n<li><strong>\u4e66\u9762\u901a\u77e5\u4fdd\u9669\u516c\u53f8<\/strong>\uff0c\u5e76\u76f4\u63a5\u95ee\u6e05\u695a\uff1a\u4f60\u4eec\u73b0\u5728\u662f\u6309UM\u3001UIM\uff0c\u8fd8\u662f\u6309\u6709\u4e89\u8bae\u7684hit-and-run\u6761\u6b3e\u5728\u5904\u7406\uff1f<\/li>\n<li><strong>\u5982\u679c\u540e\u6765\u627e\u5230\u53f8\u673a<\/strong>\uff0c\u522b\u6025\u7740\u653e\u5f03\u4efb\u4f55\u4e00\u8def\uff0c\u4fb5\u6743\u7d22\u8d54\u548cUM\u7406\u8d54\u53ef\u80fd\u8981\u5e76\u884c\u4e00\u6bb5\u65f6\u95f4\u3002<\/li>\n<li><strong>\u5982\u679c\u4fdd\u9669\u516c\u53f8\u4e89\u8986\u76d6\u6216\u4e89\u8d54\u507f<\/strong>\uff0c\u63d0\u524d\u6309\u4ef2\u88c1\u6216\u8428\u514b\u62c9\u95e8\u6258\u6cd5\u9662\u7a0b\u5e8f\u51c6\u5907\uff0c\u4e0d\u8981\u4ee5\u4e3a\u4e00\u5b9a\u4f1a\u5f88\u5feb\u8d54\u3002<\/li>\n<li><strong>\u628a\u635f\u5931\u5206\u95e8\u522b\u7c7b\u8bb0\u8d26<\/strong>\uff1a\u533b\u7597\u3001\u8bef\u5de5\u3001\u672a\u6765\u6cbb\u7597\u3001\u8d22\u4ea7\u635f\u5931\u3001\u975e\u7ecf\u6d4e\u635f\u5bb3\uff0c\u540e\u9762\u8c08\u8d54\u66f4\u6e05\u695a\u3002<\/li>\n<\/ol>\n<h2>FAQ<\/h2>\n<h3>\u8087\u4e8b\u53f8\u673a\u6ca1\u627e\u5230\uff0c\u6211\u8fd8\u80fd\u7406\u8d54\u5417\uff1f<\/h3>\n<p>\u80fd\uff0c\u5f88\u591a\u65f6\u5019\u53ef\u4ee5\u3002\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u6848\u4ef6\u4e0d\u4e00\u5b9a\u975e\u8981\u5148\u627e\u5230\u53f8\u673a\u3002\u73b0\u5b9e\u91cc\uff0c\u5e38\u89c1\u8def\u5f84\u5c31\u662f\u6839\u636e <strong>Insurance Code \u00a7 11580.2<\/strong> \u5148\u770b\u4f60\u81ea\u5df1\u4fdd\u5355\u4e0b\u6709\u6ca1\u6709UM\/UIM\u4fdd\u969c\u3002\u4e0d\u8fc7\u80fd\u4e0d\u80fd\u8d54\u3001\u600e\u4e48\u8d54\uff0c\u5e38\u5e38\u53d6\u51b3\u4e8e\u4fdd\u5355\u6761\u6b3e\u3001\u8bc1\u636e\u5f3a\u5ea6\u3001\u662f\u5426\u6ee1\u8db3hit-and-run\u76f8\u5173\u6761\u4ef6\uff0c\u4ee5\u53ca\u4fdd\u9669\u516c\u53f8\u662f\u5426\u4e89\u8bae\u201cphysical contact\u201d\u7b49\u95ee\u9898\u3002<\/p>\n<h3>\u6211\u5df2\u7ecf\u62a5\u4e86\u8b66\uff0c\u8fd8\u9700\u8981\u62a5SR-1\u5417\uff1f<\/h3>\n<p>\u5f88\u591a\u60c5\u51b5\u4e0b\uff0c\u8fd8\u662f\u9700\u8981\u3002\u82e5\u6709\u4eba\u53d7\u4f24\uff0c\u6216\u8d22\u4ea7\u635f\u5931\u8d85\u8fc7 <strong>$1,000<\/strong>\uff0c\u901a\u5e38\u8981\u5728 <strong>10 days<\/strong> \u5185\u5411DMV\u63d0\u4ea4 <strong>SR-1<\/strong>\u3002\u8fd9\u548c\u8b66\u65b9\u62a5\u544a\u3001\u4fdd\u9669\u901a\u77e5\u4e0d\u662f\u4e00\u56de\u4e8b\uff0c\u5f7c\u6b64\u4e0d\u80fd\u81ea\u52a8\u66ff\u4ee3\u3002<\/p>\n<h3>\u8087\u4e8b\u9003\u9038\u662f\u4e0d\u662f\u5bf9\u65b9\u4e00\u8dd1\uff0c\u6211\u5c31\u4e00\u5b9a\u5168\u8d62\uff1f<\/h3>\n<p>\u4e0d\u662f\u3002\u5bf9\u65b9\u9003\u8dd1\u5f53\u7136\u5f88\u4e0d\u5229\u4e8e\u5bf9\u65b9\uff0c\u4e5f\u53ef\u80fd\u652f\u6301\u8fc7\u9519\u63a8\u8bba\uff0c\u4f46\u6c11\u4e8b\u8d54\u507f\u4ecd\u8981\u770b\u8d23\u4efb\u3001\u56e0\u679c\u5173\u7cfb\u548c\u635f\u5931\u8bc1\u660e\u3002\u6839\u636e <strong>Civil Code \u00a7 1714<\/strong>\uff0c\u52a0\u5dde\u9002\u7528\u7eaf\u6bd4\u8f83\u8fc7\u5931\uff1b\u5982\u679c\u4f60\u81ea\u5df1\u4e5f\u6709\u90e8\u5206\u8d23\u4efb\uff0c\u8d54\u507f\u53ef\u80fd\u6309\u6bd4\u4f8b\u51cf\u5c11\uff0c\u800c\u4e0d\u662f\u81ea\u52a8\u5168\u989d\u652f\u6301\u3002<\/p>\n<h3>UM\u7406\u8d54\u4e00\u5b9a\u4f1a\u4e0a\u6cd5\u9662\u5417\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u5f88\u591aUM\/UIM\u4e89\u8bae\u4f1a\u8d70\u4ef2\u88c1\uff0c\u8fd9\u5728 <strong>Insurance Code \u00a7 11580.2<\/strong> \u4e0b\u5f88\u5e38\u89c1\u3002\u8428\u514b\u62c9\u95e8\u6258\u672c\u5730\u7a0b\u5e8f\u91cc\uff0c\u8fd8\u53ef\u80fd\u51fa\u73b0 <strong>180-day stay<\/strong> \u7b49\u5b89\u6392\u3002\u522b\u628aUM\u7406\u8d54\u7406\u89e3\u6210\u666e\u901a\u6253\u7535\u8bdd\u8c08\u4ef7\uff0c\u5b83\u5e38\u5e38\u662f\u4e00\u4e2a\u6709\u7a0b\u5e8f\u3001\u6709\u8bc1\u636e\u8981\u6c42\u7684\u6b63\u5f0f\u4e89\u8bae\u5904\u7406\u8fc7\u7a0b\u3002<\/p>\n<h3>\u8087\u4e8b\u9003\u9038\u80fd\u8d54\u54ea\u4e9b\u635f\u5931\uff1f<\/h3>\n<p>\u5e38\u89c1\u5305\u62ec\u533b\u7597\u8d39\u3001\u8bef\u5de5\u3001\u672a\u6765\u6cbb\u7597\u3001\u8d22\u4ea7\u635f\u5931\uff0c\u4ee5\u53ca\u75bc\u75db\u548c\u75db\u82e6\u3002\u53ea\u662f\u5177\u4f53\u80fd\u4ece\u54ea\u91cc\u8d54\u3001\u8d54\u591a\u5c11\uff0c\u5f80\u5f80\u53d7\u4f60\u7684UM\u9650\u989d\u3001\u8d23\u4efb\u6bd4\u4f8b\u3001\u4f24\u60c5\u8bc1\u636e\u548c\u4fdd\u5355\u6761\u6b3e\u5f71\u54cd\u3002<\/p>\n<h2>\u8d39\u7528\u8bf4\u660e\u548c\u4e0b\u4e00\u6b65<\/h2>\n<p>\u8fd9\u7bc7\u6587\u7ae0\u662f\u4e00\u822c\u4fe1\u606f\uff0c\u4e0d\u662f\u9488\u5bf9\u4f60\u4e2a\u6848\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u6bcf\u4e2a\u8087\u4e8b\u9003\u9038\u6848\uff0c\u90fd\u4f1a\u56e0\u4e3a\u4e8b\u6545\u65f6\u95f4\u3001\u4fdd\u5355\u6587\u5b57\u3001\u4f24\u60c5\u3001\u8bc1\u636e\u548c\u662f\u5426\u627e\u5230\u53f8\u673a\u800c\u4e0d\u540c\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u50cf\u8fd9\u7c7b\u8f66\u7978\u4eba\u4f24\u6848\u4ef6\uff0c\u5f8b\u5e08\u8d39\u5e38\u89c1\u662f\u98ce\u9669\u4ee3\u7406\u65b9\u5f0f\uff1a\u5982\u679c\u6848\u4ef6\u6ca1\u6709\u83b7\u5f97\u8d54\u507f\uff0c\u901a\u5e38\u4e0d\u6536\u53d6\u5f8b\u5e08\u8d39\uff1b\u5982\u679c\u83b7\u5f97\u8d54\u507f\uff0c\u5f8b\u5e08\u8d39\u4e00\u822c\u4ece\u8ffd\u56de\u6b3e\u9879\u4e2d\u6309\u7ea6\u5b9a\u6bd4\u4f8b\u8ba1\u7b97\u3002\u6b63\u5f0f\u5408\u4f5c\u524d\uff0c\u5177\u4f53\u6536\u8d39\u65b9\u5f0f\u548c\u6210\u672c\u627f\u62c5\uff0c\u90fd\u4f1a\u5199\u8fdb\u4e66\u9762\u534f\u8bae\u91cc\u3002<\/p>\n<p>\u5982\u679c\u4f60\u6b63\u5728\u5904\u7406\u8428\u514b\u62c9\u95e8\u6258\u6216\u52a0\u5dde\u5176\u4ed6\u5730\u533a\u7684\u8087\u4e8b\u9003\u9038\uff0c\u522b\u5148\u53ea\u987e\u7740\u627e\u9003\u8dd1\u53f8\u673a\uff0c\u5148\u628a\u81ea\u5df1\u7684UM\/UIM\u6743\u76ca\u3001\u4e24\u5e74\u65f6\u6548\u3001SR-1\u548c\u8bc1\u636e\u4fdd\u5168\u6293\u7262\u3002\u60f3\u7528\u4e2d\u6587\u6216English\u8fdb\u4e00\u6b65\u68b3\u7406\u4f60\u7684\u8f66\u7978\u6216\u4eba\u8eab\u4f24\u5bb3\u6750\u6599\uff0c\u53ef\u4ee5\u8054\u7cfb <strong>CUI LAW GROUP<\/strong> \u7533\u8bf7<strong>\u514d\u8d39\u54a8\u8be2<\/strong>\u3002<\/p>\n<p class=\"ge-end\" aria-hidden=\"true\">&middot; &middot; &middot;<\/p>\n<div class=\"ge-cta\">\n<h3>Free consultation with CUI LAW GROUP<\/h3>\n<hr class=\"ge-cta-rule\" aria-hidden=\"true\">\n<p>Discuss your case &mdash; no obligation, no cost.<\/p>\n<p class=\"ge-cta-actions\"><button type=\"button\" data-ge-open-contact class=\"ge-cta-btn ge-cta-btn-primary\"><span>Contact us<\/span><\/button><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Free consultation with CUI LAW GROUPNo obligation. We typically reply the same day. Contact us &times; By CUI LAW GROUP &nbsp;&middot;&nbsp; MAY 24, 2026 &nbsp;&middot;&nbsp; 12 MIN READ Photo by Tingey Injury Law Firm on Unsplash description: &quot;\u8428\u514b\u62c9\u95e8\u6258\u8087\u4e8b\u9003\u9038\u540e\uff0c\u5f88\u591a\u4eba\u7b2c\u4e00\u53cd\u5e94\u662f\u5148\u627e\u9003\u8dd1\u53f8\u673a\uff1b\u4f46\u5728\u52a0\u5dde\uff0c\u73b0\u5b9e\u91cc\u66f4\u5e38\u89c1\u3001\u4e5f\u66f4\u5b9e\u7528\u7684\u8def\u5f84\uff0c\u5f80\u5f80\u662f\u5148\u68c0\u67e5\u81ea\u5df1\u4fdd\u5355\u91cc\u7684UM\/UIM\u6743\u76ca\u3002\u672c\u6587\u7528\u901a\u4fd7\u65b9\u5f0f\u8bf4\u660e\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\u3001\u4e24\u5e74\u65f6\u6548\u3001\u8bc1\u636e\u3001SR-1\u7533\u62a5\u548c\u4ef2\u88c1\u6d41\u7a0b\u3002&quot; author: &quot;CUI LAW GROUP&quot; date: &quot;2026-05-23&quot; \u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\uff1a\u522b\u5148\u76ef\u7740\u8087\u4e8b\u53f8\u673a\uff0c\u5148\u770b\u4f60\u7684UM\/UIM\u6743\u76ca \u4f60\u5728\u8428\u514b\u62c9\u95e8\u6258\u88ab\u649e\u4e86\uff0c\u5bf9\u65b9\u8dd1\u4e86\uff0c\u4fdd\u9669\u516c\u53f8\u4e00\u4e0a\u6765\u5c31\u95ee\uff1a\u4f60\u6709\u6ca1\u6709UM\/UIM\uff1f\u6709\u6ca1\u6709\u5b9e\u9645\u63a5\u89e6\uff1f\u6709\u6ca1\u6709\u53ca\u65f6\u62a5\u6848\uff1f\u8fd9\u65f6\u5019\uff0c\u5f88\u591a\u4eba\u8fd8\u5728\u6b7b\u76ef\u201c\u80fd\u4e0d\u80fd\u5148\u628a\u53f8\u673a\u627e\u51fa\u6765\u201d\u3002\u53ef\u8bf4\u5b9e\u8bdd\uff0c\u52a0\u5dde\u8087\u4e8b\u9003\u9038\u4fdd\u9669\u7406\u8d54\u5e38\u89c1\u95ee\u9898\u91cc\uff0c\u6700\u5173\u952e\u7684\u5f80\u5f80\u4e0d\u662f\u5148\u627e\u5230\u9003\u8dd1\u53f8\u673a\uff0c\u800c\u662f\u5148\u628a\u4f60\u81ea\u5df1\u4fdd\u5355\u4e0b\u80fd\u4e0d\u80fd\u8d70UM\/UIM\u7406\u6e05\u695a\uff0c\u4e0d\u7136\u65f6\u95f4\u4e00\u62d6\uff0c\u8bc1\u636e\u548c\u65f6\u6548\u90fd\u53ef\u80fd\u5403\u4e8f\u3002 \u5148\u628a\u8def\u770b\u6e05\uff1a\u8087\u4e8b\u9003\u9038\u5728\u52a0\u5dde\uff0c\u901a\u5e38\u4e0d\u662f\u53ea\u6709\u4e00\u6761\u7d22\u8d54\u8def \u522b\u614c\u3002\u8087\u4e8b\u9003\u9038\u6848\uff0c\u5e38\u5e38\u6709\u4e24\u6761\u8def\u5e76\u884c\uff0c\u4e0d\u662f\u4e00\u6761\u8def\u8d70\u5230\u9ed1\u3002 \u7b2c\u4e00\u6761\uff0c\u662f\u4fb5\u6743\u7d22\u8d54\u3002\u4e5f\u5c31\u662f\u540e\u6765\u5982\u679c\u67e5\u5230\u53f8\u673a\u662f\u8c01\uff0c\u4f60\u53ef\u4ee5\u76f4\u63a5\u5bf9\u90a3\u4e2a\u53f8\u673a\u4e3b\u5f20\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u3002\u7b2c\u4e8c\u6761\uff0c\u662f\u4f60\u81ea\u5df1\u4fdd\u5355\u4e0b\u7684UM\/UIM\u7d22\u8d54\u3002\u8fd9\u4e2a\u66f4\u73b0\u5b9e\uff0c\u5c24\u5176\u662f\u4eba\u6ca1\u627e\u5230\u3001\u5bf9\u65b9\u6ca1\u4fdd\u9669\uff0c\u6216\u8005\u4fdd\u9669\u4e0d\u591f\u8d54\u7684\u65f6\u5019\u3002\u6838\u5fc3\u6cd5\u89c4\u5c31\u662f Insurance Code \u00a7 11580.2\u3002\u8fd9\u6761\u6cd5\u5f88\u91cd\u8981\uff0c\u8bb2\u767d\u4e86\uff0c\u5c31\u662f\u5f88\u591a\u52a0\u5dde\u8f66\u9669\u91cc\u7684\u65e0\u4fdd\u9669\/\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u4eba\u4fdd\u969c\uff0c\u5f80\u5f80\u662f\u4f60\u8087\u4e8b\u9003\u9038\u540e\u771f\u6b63\u80fd\u7528\u4e0a\u7684\u90a3\u7b14\u94b1\u3002 \u6240\u4ee5\u4f60\u522b\u4e00\u5f00\u59cb\u5c31\u88ab\u201c\u627e\u4e0d\u5230\u4eba\u5c31\u6ca1\u6cd5\u8d54\u201d\u8fd9\u53e5\u8bdd\u5413\u4f4f\u3002\u5f88\u591a\u6848\u5b50\uff0c\u771f\u6b63\u5148\u52a8\u8d77\u6765\u7684\uff0c\u4e0d\u662f\u5bf9\u5916\u8d77\u8bc9\uff0c\u800c\u662f\u5148\u5bf9\u5185\u67e5\u4fdd\u5355\u3001\u62a5UM\/UIM\u3001\u8865\u8bc1\u636e\u3002\u9760\u8c31\u534e\u4eba\u5f8b\u5e08\uff0c\u4e0d\u9a97\u4eba\uff0c\u4eb2\u81ea\u529e\u6848\u4e0a\u5ead\uff0c\u7b2c\u4e00\u6b65\u901a\u5e38\u90fd\u4e0d\u662f\u7a7a\u558a\u53e3\u53f7\uff0c\u800c\u662f\u5148\u628a\u8fd9\u4e24\u6761\u8def\u5206\u6e05\u3002 \u5982\u679c\u4f60\u60f3\u5148\u770b\u770b\u8fd9\u7c7b\u6848\u4ef6\u7684\u57fa\u7840\u8bf4\u660e\uff0c\u53ef\u4ee5\u8bfb\u8bfbCUI [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/posts\/63","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=63"}],"version-history":[{"count":0,"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/posts\/63\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=63"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=63"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cuilawgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=63"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}