{"id":8010,"date":"2026-07-03T14:25:33","date_gmt":"2026-07-03T14:25:33","guid":{"rendered":"http:\/\/lets-canada.com\/canada-icbc-insurance-guide-2026\/"},"modified":"2026-07-20T11:09:49","modified_gmt":"2026-07-20T11:09:49","slug":"canada-icbc-insurance-guide-2026","status":"publish","type":"post","link":"https:\/\/lets-canada.com\/zh\/canada-icbc-insurance-guide-2026\/","title":{"rendered":"BC\u7701\u6c7d\u8f66\u4fdd\u9669\u8d39\u600e\u4e48\u7b97\uff1fICBC\u3001\u4e8b\u6545\u8bb0\u5f55\u4e0eRoadStar\u65b9\u6848\u6574\u7406\uff082026\uff09"},"content":{"rendered":"<p><em>\u66f4\u65b0\u65f6\u95f4\uff1a2026-07-03\uff5c\u8d44\u6599\u6765\u6e90\uff1aICBC\u5b98\u65b9\u4fdd\u9669\u65b9\u6848\u9875\u9762\u3001BC\u653f\u5e9c\u7f5a\u5355\u4e0e\u6263\u5206\u5b98\u65b9\u9875\u9762\uff5c\u4fdd\u8d39\u8ba1\u7b97\u65b9\u5f0f\u4e0e\u65b9\u6848\u8d44\u683c\u4f1a\u8c03\u6574\uff0c\u5b9e\u9645\u62a5\u4ef7\u8bf7\u4ee5ICBC\u5b98\u7f51\u6216\u7ecf\u7eaa\u4e3a\u51c6<\/em><\/p>\n<style class=\"lc-tbl\">.entry-content table{border-collapse:collapse;width:100%;margin:1.2em 0}.entry-content th,.entry-content td{border:1px solid #d4dcd7;padding:8px 11px;text-align:left;vertical-align:top}.entry-content th{background:#eef3f0;font-weight:600}<\/style>\n<p>BC\u7701\u7684\u6c7d\u8f66\u4fdd\u9669\u662f\u5f3a\u5236\u6027\u7684\uff0c\u800c\u4e14\u53ea\u80fd\u8ddf<strong>ICBC\uff08Insurance Corporation of British Columbia\uff09<\/strong>\u8fd9\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\u4e70\u57fa\u672c\u4fdd\u969c\u2014\u2014\u8fd9\u8ddf\u5176\u4ed6\u5f88\u591a\u7701\u4efd\u300c\u53ef\u4ee5\u8d27\u6bd4\u4e09\u5bb6\u300d\u4e0d\u4e00\u6837\uff0c\u4e5f\u662f\u4e3a\u4ec0\u4e48\u641e\u61c2ICBC\u4fdd\u8d39\u600e\u4e48\u7b97\u7279\u522b\u91cd\u8981\uff1a\u4e0d\u7ba1\u4f60\u79df\u8f66\u3001\u4e70\u8f66\u3001\u5f00\u8c01\u7684\u8f66\uff0c\u8fd9\u5957\u89c4\u5219\u90fd\u8df3\u4e0d\u8fc7\u3002\u5148\u5206\u6e05\u695a\u4e24\u79cd\u4fdd\u969c\u7684\u5dee\u522b\uff1a<strong>Basic Autoplan<\/strong>\u662f\u6cd5\u5f8b\u89c4\u5b9a\u4eba\u4eba\u90fd\u8981\u4e70\u7684\u6700\u4f4e\u4fdd\u969c\uff0c\u6db5\u76d6\u7b2c\u4e09\u65b9\u8d23\u4efb\u7b49\u57fa\u672c\u9879\u76ee\uff0c\u7531ICBC\u72ec\u5bb6\u63d0\u4f9b\u3001\u91d1\u989d\u5168\u7701\u7edf\u4e00\u89c4\u5219\u8ba1\u7b97\uff0c\u4e0d\u80fd\u8d27\u6bd4\u4e09\u5bb6\uff1b<strong>Optional Coverage\uff08\u989d\u5916\u4fdd\u969c\uff09<\/strong>\u5219\u662f\u5728Basic\u4e4b\u4e0a\u52a0\u8d2d\u7684\u4fdd\u969c\uff0c\u4f8b\u5982\u78b0\u649e\u9669\uff08Collision\uff09\u3001\u5168\u9669\uff08Comprehensive\uff09\u3001\u66f4\u9ad8\u7684\u7b2c\u4e09\u65b9\u8d23\u4efb\u4e0a\u9650\u7b49\u2014\u2014\u8fd9\u90e8\u5206\u867d\u7136\u8fd8\u662f\u8ddfICBC\u4e70\uff0c\u4f46\u4fdd\u8d39\u4e0e\u65b9\u6848\u5185\u5bb9\u53ef\u4ee5\u4f9d\u9700\u6c42\u8c03\u6574\uff0c\u4e5f\u662f\u4fdd\u8d39\u5dee\u5f02\u6700\u5927\u7684\u5730\u65b9\u3002<\/p>\n<p>\u800c\u4fdd\u8d39\u9ad8\u4f4e\u7684\u6838\u5fc3\uff0c\u662fICBC\u7528\u4e00\u5957\u53eb<strong>CRS\uff08Claims Rating Scale\uff0c\u7406\u8d54\u8bc4\u7ea7\u91cf\u8868\uff09<\/strong>\u7684\u7cfb\u7edf\u8ffd\u8e2a\u6bcf\u4f4d\u9a7e\u9a76\u7684\u7406\u8d54\u4e0e\u8fdd\u89c4\u8bb0\u5f55\uff0c\u4f60\u7684CRS\u7b49\u7ea7\u8d8a\u9ad8\uff08\u8d8a\u6b63\uff09\uff0c\u4fdd\u8d39\u901a\u5e38\u8d8a\u4f4e\uff1b\u7b49\u7ea7\u8d8a\u4f4e\uff08\u8d1f\u503c\u8d8a\u5927\uff09\uff0c\u4fdd\u8d39\u8d8a\u9ad8\u3002\u957f\u671f\u6ca1\u6709\u7406\u8d54\u8bb0\u5f55\uff0cCRS\u4f1a\u9010\u5e74\u5f80\u597d\u7684\u65b9\u5411\u8c03\u6574\uff0c\u76f4\u63a5\u53cd\u6620\u5728\u4fdd\u8d39\u4e0a\uff1b\u4e00\u65e6\u6709\u7406\u8d54\u6216\u7279\u5b9a\u8fdd\u89c4\u8bb0\u5f55\uff0cCRS\u4f1a\u88ab\u62c9\u4f4e\uff0c\u4fdd\u8d39\u53ef\u80fd\u8fde\u7eed\u597d\u51e0\u5e74\u57ab\u9ad8\uff0c\u4e0d\u662f\u53ea\u5f71\u54cd\u51fa\u4e8b\u90a3\u4e00\u5e74\u3002\u9664\u4e86\u57fa\u672c\u4fdd\u969c\u4e0eCRS\uff0cICBC\u4e5f\u63d0\u4f9b<strong>RoadStar<\/strong>\u4e0e<strong>Roadside Plus<\/strong>\u4e24\u79cd\u52a0\u503c\u65b9\u6848\u7ec4\u5408\uff0c\u8d44\u683c\u95e8\u69db\u4e0d\u540c\uff1aRoadStar\u9700\u8981CRS\u7b49\u7ea7\u8fbe\u5230<strong>-9\u6216\u66f4\u597d<\/strong>\uff08\u4f9d\u7279\u5b9a\u5ba2\u7fa4\u6761\u4ef6\uff09\uff1bRoadside Plus\u7684\u95e8\u69db\u8f83\u5bbd\u677e\uff0c\u9700\u8981CRS\u8fbe\u5230<strong>0\u6216\u66f4\u597d<\/strong>\u3001\u78b0\u649e\u9669\u81ea\u4ed8\u989d\uff08deductible\uff09\u5728$1,000\u4ee5\u4e0b\u3001\u4e14\u662fBC\u5c45\u6c11\u3002\u4e24\u8005\u90fd\u5305\u542b\u9053\u8def\u6551\u63f4\u3001\u65c5\u6e38\u4fdd\u969c\u3001\u79df\u8f66\u8865\u507f\u3001\u9501\u5319\u670d\u52a1\u7b49\u52a0\u503c\u9879\u76ee\uff0c\u5b9e\u9645\u4fdd\u8d39\u76ee\u524d\u5df2\u7ecf\u6539\u6210\u4f9d\u9a7e\u9a76\u7ecf\u9a8c\u4e0e\u7406\u8d54\u8bb0\u5f55\u9010\u4eba\u8ba1\u7b97\uff0c\u4e0d\u662f\u5168\u7701\u7edf\u4e00\u7684\u56fa\u5b9a\u91d1\u989d\uff0c\u5b9e\u9645\u8d44\u683c\u4e0e\u8d39\u7528\u8981\u7528ICBC\u5b98\u7f51\u6216\u627e\u7ecf\u7eaa\u786e\u8ba4\u81ea\u5df1\u662f\u5426\u8fbe\u6807\u3002<\/p>\n<p>\u5f71\u54cd\u4fdd\u8d39\u7684\u56e0\u7d20\u5176\u5b9e\u4e0d\u53ea\u7406\u8d54\u8bb0\u5f55\u4e00\u9879\uff0c\u4e0b\u8868\u6574\u7406\u5e38\u89c1\u7684\u51e0\u4e2a\u53d8\u91cf\uff1a<\/p>\n<div 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href=\"https:\/\/www.icbc.com\/insurance\/products-coverage\" target=\"_blank\" rel=\"noopener noreferrer\">ICBC\u5b98\u65b9\u4fdd\u9669\u65b9\u6848\u9875\u9762<\/a>\u6216\u6388\u6743\u7ecf\u7eaa\u3002<\/p>\n<h4>\u5ef6\u4f38\u9605\u8bfb<\/h4>\n<ul>\n<li><a href=\"\/zh\/canada-bc-ticket-fines-points-guide-2026\/\">BC\u5e38\u89c1\u4ea4\u901a\u7f5a\u5355\u3001\u7f5a\u91d1\u4e0e\u7f5a\u5206\u6574\u7406<\/a><\/li>\n<li><a href=\"\/zh\/canada-life-guide\/useful-websites\/used-car-websites\/\">\u52a0\u62ff\u5927\u4e8c\u624b\u8f66\u8d2d\u4e70\u6307\u5357<\/a><\/li>\n<li><a href=\"\/zh\/canada-turo-rental-guide-2026\/\">Turo\u5728\u52a0\u62ff\u5927\u597d\u7528\u5417\uff1f<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>BC\u7701\u6c7d\u8f66\u4fdd\u9669\u5168\u90e8\u901a\u8fc7ICBC\u529e\u7406\u3002\u4e86\u89e3CRS\u7406\u8d54\u8bc4\u7ea7\u5982\u4f55\u5f71\u54cd\u4fdd\u8d39\u3001RoadStar\u4e0eRoadside 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