Category: Insurance Education
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🚗 為什麼汽車保險只能半年？為什麼 Monthly Premium 每個月都不一樣？ Why Is Auto Insurance Only 6 Months? Why Does the Monthly Premium Change
為什麼車險只能買 6 個月？為什麼 monthly premium 每個月都不一樣？本篇用最簡單方式解釋保費如何計算、mid-term 調整、rate filing 與常見保費跳動原因。Why is auto insurance only 6 months, and why do monthly premiums change? A simple explanation of premium calculation, mid-term adjustments, and rate filing.
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🚨🚗 車禍如何 File a Claim？受害者 vs. 過失方完整流程 How to File a Car Accident Claim (Victim vs At-Fault) — Full Step-by-Step Guide
車禍後如何 File a Claim？受害者 vs 過失方流程不同。本篇用最簡單的方式解釋拍照、報案、保險開案、醫療費處理與修車流程，新手也能看得懂。A simple guide to filing a car accident claim — victim vs at-fault steps, medical bill handling, and repair rules explained clearly for beginners.
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🚗✨ 新車如何加保？How to Insure a New Car
新車剛買要怎麼加保？本篇教你 Dealer 要求的保險種類、Full Coverage 的真正定義、GAP 是否需要，以及新車保險的完整新手指南。A simple beginner-friendly guide on how to insure a new car — required coverages, Full Coverage explained, GAP decisions, and dealer requirements.
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🧩FSA、HSA 傻傻分不清？一篇文章帶你看懂差異 FSA vs HSA: Still Confused
公司開放健保選擇時，FSA 與 HSA 是許多人最困惑的項目。其實兩者最大的差別在於：能不能累積、能不能投資、以及是否綁定 HDHP。本篇用最簡單的表格帶你一次看懂稅務好處與使用方式，避免做出錯誤選擇。FSA and HSA sound similar but work very differently. The biggest distinctions involve rollover rules, investment options, and whether the account is tied to an HDHP. This article uses simple tables and real-life examples to help you choose the right one for your medical and financial needs.