{"id":28973,"date":"2026-10-08T10:30:00","date_gmt":"2026-10-08T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28973"},"modified":"2026-10-08T10:30:00","modified_gmt":"2026-10-08T14:30:00","slug":"pi-nj-rental-car-during-repair-insurer-refusal-2026-10-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/pi-nj-rental-car-during-repair-insurer-refusal-2026-10-zh\/","title":{"rendered":"\u8f66\u8f86\u7ef4\u4fee\u671f\u95f4\u7684\u79df\u8f66(Rental Car) \u2014 \u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u62d2\u7edd\u652f\u4ed8\u7684\u5e94\u5bf9\u6cd5"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">\u4eba\u8eab\u4f24\u5bb3\u6cd5 \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240 \u6cd5\u5f8b\u4e13\u680f<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u60c5\u51b5\u6982\u8ff0<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5728\u65b0\u6cfd\u897f\u56e0\u5bf9\u65b9\u8fc7\u5931\u53d1\u751f\u4e8b\u6545,\u8f66\u8f86\u7ef4\u4fee\u5e38\u9700 2\u20134 \u5468\u3002\u82e5\u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u8868\u793a&quot;\u8d23\u4efb\u5df2\u627f\u8ba4,\u4f46\u4e0d\u652f\u4ed8\u79df\u8f66&quot;,\u4e0a\u4e0b\u73ed\u3001\u63a5\u9001\u5b69\u5b50\u3001\u5c31\u533b\u8be5\u600e\u4e48\u529e?\u5e95\u7ebf\u662f,<strong>\u79df\u8f66\u8865\u507f(Loss of Use)<\/strong>\u662f\u65b0\u6cfd\u897f\u8d22\u4ea7\u635f\u5bb3\u7d22\u8d54\u4e2d<strong>\u72ec\u7acb\u6210\u7acb\u7684\u6761\u76ee<\/strong>,\u4fdd\u9669\u516c\u53f8\u65e0\u6743\u4efb\u610f\u62d2\u7edd\u3002\u4f46\u8981\u83b7\u5f97\u8d54\u507f,\u9700\u8bc1\u660e<strong>\u5408\u7406\u4ef7\u683c\u4e0e\u5408\u7406\u671f\u95f4<\/strong>\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u6cd5\u5f8b\u6982\u5ff5<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u8f66\u8f86\u4f7f\u7528\u6743\u635f\u5931(Loss of Use)\u662f\u56e0\u4e8b\u6545\u5728\u65e0\u6cd5\u4f7f\u7528\u8f66\u8f86\u671f\u95f4\u6240\u4ea7\u751f\u7684<strong>\u66ff\u4ee3\u4ea4\u901a\u8d39\u7528\u6216\u7b49\u540c\u91d1\u94b1\u4ef7\u503c<\/strong>,\u5c5e\u4e8e\u8d22\u4ea7\u635f\u5bb3\u7684\u5b50\u9879\u3002\u65b0\u6cfd\u897f\u6cd5\u9662\u5386\u6765\u8ba4\u5b9a,<strong>\u5373\u4f7f\u672a\u5b9e\u9645\u79df\u8f66,Loss of Use \u672c\u8eab\u4e5f\u53ef\u7d22\u8d54<\/strong>(\u65e0\u6cd5\u4f7f\u7528\u672c\u8eab\u5373\u4e3a\u635f\u5bb3)\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u65b0\u6cfd\u897f\u89c4\u5b9a<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>N.J.S.A. 39:6A-4.3<\/strong> \u53ca\u65b0\u6cfd\u897f\u8d22\u4ea7\u635f\u5bb3\u5224\u4f8b(Camden Fire Ins. Ass&#x27;n v. Smiley \u7b49):Loss of Use \u7531\u52a0\u5bb3\u4eba\u8d23\u4efb\u4fdd\u9669\u7684 Property Damage \u652f\u4ed8\u3002<\/li>\n<li style=\"margin:5px 0;\">\u5bf9\u65b9\u4fdd\u9669\u627f\u8ba4\u8d23\u4efb\u540e,\u6709\u6743\u83b7\u5f97<strong>\u540c\u7b49\u7ea7(Comparable Class)<\/strong>\u79df\u8f66\u3002\u4fdd\u9669\u516c\u53f8\u4e0d\u5f97\u5f3a\u8feb SUV \u8f66\u4e3b\u79df\u7528\u5c0f\u578b\u8f66\u3002<\/li>\n<li style=\"margin:5px 0;\">\u5f53\u7ef4\u4fee\u5ef6\u8fdf\u662f\u4fdd\u9669\u516c\u53f8\u00b7\u4fee\u7406\u5382\u539f\u56e0\u65f6,<strong>\u989d\u5916\u79df\u8f66\u8d39\u7528\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5<\/strong>\u3002<\/li>\n<li style=\"margin:5px 0;\">\u65b0\u6cfd\u897f\u7684<strong>\u8fde\u5e26\u6765\u6e90\u89c4\u5219(Collateral Source Rule)\u4e0d\u9002\u7528\u4e8e\u8d22\u4ea7\u635f\u5bb3<\/strong>(\u4ec5\u9002\u7528\u4e8e\u4eba\u8eab\u4f24\u5bb3)\u3002\u82e5\u4f7f\u7528\u4e86\u81ea\u5df1\u4fdd\u9669\u7684 Rental Reimbursement,\u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u53ef\u6263\u9664\u8be5\u90e8\u5206\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5b9e\u6218\u5bf9\u7b56<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u4e8b\u6545\u53d1\u751f\u540e\u7acb\u5373\u4ee5<strong>\u4e66\u9762\u6216\u5f55\u97f3<\/strong>\u5411\u5bf9\u65b9\u7406\u8d54\u5458(Adjuster)\u786e\u8ba4\u8d23\u4efb\u3002\u8d23\u4efb\u786e\u8ba4\u524d,\u4f18\u5148\u4f7f\u7528\u81ea\u5df1\u4fdd\u9669\u7684 Rental \u4fdd\u969c\u3002<\/li>\n<li style=\"margin:5px 0;\">\u79df\u8f66\u4ef7\u683c\u4ee5<strong>\u516c\u5e73\u5e02\u573a\u79df\u8d41\u4ef7(Fair Market Rental Rate)<\/strong>\u4e3a\u51c6\u3002\u5411 Enterprise\u3001Hertz\u3001Avis \u7b49 2\u20133 \u5bb6\u53d6\u5f97\u540c\u7b49\u7ea7\u62a5\u4ef7\u4f5c\u6bd4\u8f83\u3002<\/li>\n<li style=\"margin:5px 0;\"><strong>\u8bb0\u5f55\u6bcf\u65e5\u4f7f\u7528\u60c5\u51b5<\/strong> \u2014 \u5b9e\u9645\u4e0a\u4e0b\u73ed\u3001\u63a5\u9001\u5b69\u5b50\u3001\u5c31\u533b\u51fa\u884c\u8bb0\u5f55\u3002\u9519\u8fc7\u6cbb\u7597\u9884\u7ea6\u53ef\u4f5c\u4e3a\u4eba\u8eab\u4f24\u5bb3\u7684\u95f4\u63a5\u635f\u5bb3\u3002<\/li>\n<li style=\"margin:5px 0;\">\u4fdd\u9669\u516c\u53f8\u63d0\u51fa&quot;\u6bcf\u5929 $30&quot;\u7b49<strong>\u4efb\u610f\u4e0a\u9650<\/strong>\u65f6,\u8bf7<strong>\u4e66\u9762\u8981\u6c42\u5176\u4f9d\u636e<\/strong>\u3002NJ \u5224\u4f8b\u4ee5\u516c\u5e73\u5e02\u573a\u4ef7\u4e3a\u51c6\u3002<\/li>\n<li style=\"margin:5px 0;\"><strong>\u79df\u8f66\u5ef6\u957f\u4fe1(Rental Delay Letter)<\/strong> \u2014 \u82e5\u4fee\u7406\u5382\u56e0\u96f6\u4ef6\u77ed\u7f3a\u5ef6\u957f\u7ef4\u4fee,\u8bf7\u4fee\u7406\u5382\u51fa\u5177\u4e66\u9762\u8bf4\u660e,\u63d0\u4ea4\u4fdd\u9669\u516c\u53f8\u7533\u8bf7\u5ef6\u957f\u3002<\/li>\n<li style=\"margin:5px 0;\">\u6301\u7eed\u62d2\u7edd\u65f6,\u53ef\u5728<strong>\u5c0f\u989d\u6cd5\u5ead(Small Claims)<\/strong>\u76f4\u63a5\u8d77\u8bc9\u3002NJ Special Civil Part \u4e0a\u9650\u4e3a $20,000\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5e38\u89c1\u8bef\u89e3<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\u6ca1\u4e70 Rental Reimbursement \u4fdd\u9669\u5c31\u62ff\u4e0d\u5230&quot; \u2014 \u9519\u8bef\u3002\u5373\u4f7f\u81ea\u5df1\u4fdd\u9669\u6ca1\u6709 Rental \u4fdd\u969c,<strong>\u53ea\u8981\u5bf9\u65b9\u8d23\u4efb\u660e\u786e<\/strong>,\u4ecd\u53ef\u4f9d Loss of Use \u7d22\u8d54\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u5bf9\u65b9\u5df2\u627f\u8ba4\u8d23\u4efb,\u81ea\u52a8\u8986\u76d6&quot; \u2014 \u9519\u8bef\u3002\u8d23\u4efb\u4e0e\u91d1\u989d\u662f\u4e24\u56de\u4e8b\u3002\u5173\u4e8e<strong>\u5408\u7406\u6027\u00b7\u671f\u95f4<\/strong>\u7684\u4e89\u8bae\u5e38\u89c1,\u52a1\u5fc5\u4fdd\u5b58\u6536\u636e\u4e0e\u62a5\u4ef7\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u5fc5\u987b\u4f7f\u7528\u4fdd\u9669\u516c\u53f8\u6307\u5b9a\u7684\u4fee\u7406\u5382&quot; \u2014 \u9519\u8bef\u3002\u5728\u65b0\u6cfd\u897f,<strong>\u4fee\u7406\u5382\u9009\u62e9\u662f\u8f66\u4e3b\u7684\u6743\u5229<\/strong>\u3002\u4f46\u8d85\u51fa\u4fdd\u9669\u516c\u53f8\u6279\u51c6\u4f30\u4ef7\u7684\u90e8\u5206\u53ef\u80fd\u7531\u8f66\u4e3b\u81ea\u4ed8\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u8981\u70b9\u603b\u7ed3<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">NJ \u7684\u79df\u8f66\u7d22\u8d54\u7acb\u4e8e\u56db\u5927\u652f\u67f1:<strong>(1) \u786e\u8ba4\u8d23\u4efb,(2) \u4ee5\u62a5\u4ef7\u8bc1\u660e\u516c\u5e73\u5e02\u573a\u4ef7,(3) \u8bb0\u5f55\u5b9e\u9645\u4f7f\u7528,(4) \u4ee5\u4fee\u7406\u5382\u5ef6\u957f\u4fe1\u652f\u6491\u5ef6\u957f<\/strong>\u3002\u4fdd\u9669\u516c\u53f8\u4efb\u610f\u62d2\u7edd\u7684\u6cd5\u5f8b\u4f9d\u636e\u8584\u5f31,\u53ef\u901a\u8fc7\u4e66\u9762\u8981\u6c42\u6216\u5c0f\u989d\u6cd5\u5ead\u65bd\u538b\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5e38\u89c1\u95ee\u9898<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u95ee:\u4fdd\u9669\u516c\u53f8\u53ea\u613f\u6bcf\u65e5\u652f\u4ed8 $20,\u4f46\u540c\u7ea7\u79df\u8f66\u4ef7\u4e3a $55\u3002\u5982\u4f55\u5904\u7406?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u53d6\u5f97 2\u20133 \u5bb6(Enterprise\u3001Hertz\u3001Avis)\u540c\u7ea7\u4e66\u9762\u62a5\u4ef7,\u53d1\u9001\u8865\u507f\u5dee\u989d\u7684\u4e66\u9762\u8bf7\u6c42\u3002\u82e5\u62d2\u7edd,\u53ef\u4e3b\u5f20<strong>\u6076\u610f\u62d2\u8d54(Bad Faith Claim)<\/strong>,\u8ffd\u7d22\u989d\u5916\u8d54\u507f\u3002<\/li>\n<li style=\"margin:5px 0;\">\u95ee:\u6ca1\u6709\u79df\u8f66,\u6539\u7528 Uber \u548c Lyft,\u53ef\u62a5\u9500\u5417?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u53ef\u4ee5\u3002\u8bf7\u4fdd\u5b58\u6240\u6709\u6536\u636e,\u4f5c\u4e3a<strong>\u5408\u7406\u66ff\u4ee3\u4ea4\u901a\u8d39<\/strong>\u7d22\u8d54\u3002\u6bcf\u65e5\u91d1\u989d\u7ef4\u6301\u5728\u540c\u7ea7\u79df\u8f66\u4ef7\u4ee5\u5185\u8f83\u4e3a\u7a33\u59a5\u3002<\/li>\n<li style=\"margin:5px 0;\">\u95ee:\u7ef4\u4fee\u671f\u95f4\u79df\u8f66\u8d39\u7528\u8d85\u8fc7\u7ef4\u4fee\u8d39,\u4fdd\u9669\u516c\u53f8\u4f1a\u4e0d\u4f1a\u5ba3\u544a\u5168\u635f(Total Loss)?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u65b0\u6cfd\u897f\u901a\u5e38\u5728\u7ef4\u4fee\u8d39\u8fbe\u5230\u8f66\u8f86 ACV(\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c)\u7ea6 <strong>75% \u4ee5\u4e0a<\/strong>\u65f6\u5ba3\u544a\u5168\u635f\u3002\u82e5\u7ef4\u4fee\u8d39\u672c\u8eab\u672a\u8fbe\u6b64\u7ebf,\u5219\u4e0d\u6784\u6210\u62d2\u4ed8\u79df\u8f66\u5ef6\u957f\u7684\u7406\u7531\u3002<\/li>\n<\/ul>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\u4ea4\u901a\u4e8b\u6545\u6216\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u9700\u8981\u54a8\u8be2?<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\/zh-hans\/\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\u514d\u8d23\u58f0\u660e<\/strong> \u00b7 \u672c\u4e13\u680f\u63d0\u4f9b\u6709\u5173\u65b0\u6cfd\u897f\u5dde\u548c\u7ebd\u7ea6\u5dde\u4eba\u8eab\u4f24\u5bb3\u6cd5\u7684\u4e00\u822c\u4fe1\u606f,\u4e0d\u6784\u6210\u5bf9\u5177\u4f53\u6848\u4ef6\u7684\u6cd5\u5f8b\u54a8\u8be2\u3002\u6cd5\u5f8b\u00b7\u6cd5\u89c4\u00b7\u5224\u4f8b\u4f1a\u968f\u65f6\u95f4\u53d8\u66f4,\u5185\u5bb9\u53ef\u80fd\u4e0d\u518d\u9002\u7528\u3002\u6839\u636e\u65b0\u6cfd\u897f\u5dde\u5f8b\u5e08\u804c\u4e1a\u884c\u4e3a\u89c4\u5219 7.1,\u672c\u6587\u7684\u53d1\u5e03\u4e0d\u6784\u6210\u5f8b\u5e08\u4e0e\u59d4\u6258\u4eba\u5173\u7cfb\u3002\u5177\u4f53\u6848\u4ef6\u8bf7\u52a1\u5fc5\u76f4\u63a5\u54a8\u8be2\u5177\u5907\u8d44\u8d28\u7684\u5f8b\u5e08\u3002<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\u8f66\u8f86\u7ef4\u4fee\u671f\u95f4\u7684\u79df\u8f66(Rental Car) \u2014 \u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u62d2\u7edd\u652f\u4ed8\u7684\u5e94\u5bf9\u6cd5\", \"description\": 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