{"id":1324,"date":"2012-05-23T19:43:28","date_gmt":"2012-05-24T03:43:28","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1324"},"modified":"2012-05-22T21:35:21","modified_gmt":"2012-05-23T05:35:21","slug":"umbrella-insurance","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/umbrella-insurance\/","title":{"rendered":"\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3000\uff0d\u3000\u5bb6\u65cf\u306e\u5c06\u6765\u5b88\u3089\u308c\u3066\u3044\u307e\u3059\u304b\uff1f"},"content":{"rendered":"<p>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3068\u3044\u3046\u540d\u524d\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u304b\uff1f\u8eca\u306b\u4e57\u308b\u306a\u3089\u81ea\u52d5\u8eca\u4fdd\u967a\u3092\u8cb7\u308f\u306d\u3070\u4e57\u308c\u307e\u305b\u3093\u3002\u5bb6\u3092\u8cb7\u3063\u3066\u30e2\u30fc\u30b2\u30fc\u30b8\u30fb\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u306a\u3089\u3001\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u4fdd\u967a\u306b\u5165\u3089\u306a\u3044\u3068\u304a\u91d1\u3092\u8cb8\u3057\u3066\u3082\u3089\u3048\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u3075\u3064\u3046\u306b\u751f\u6d3b\u3057\u3066\u3044\u308b\u5206\u306b\u306f\u3001\u300c\u8cb7\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u300d\u3068\u3044\u3046\u72b6\u6cc1\u306b\u306f\u306a\u3089\u306a\u3044\u306e\u3067\u3001\u300c\u76f2\u70b9\u300d\u3068\u306a\u308a\u3048\u308b\u4fdd\u967a\u3067\u3059\u3002\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306e\u3053\u3068\u3092\u305d\u3082\u305d\u3082\u77e5\u3089\u306a\u3044\u3001\u3042\u308b\u3044\u306f\u77e5\u3063\u3066\u3044\u3066\u3082\u5165\u3063\u3066\u3044\u306a\u3044\u4eba\u304c\u6848\u5916\u591a\u3044\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3001\u3069\u3093\u306a\u5834\u5408\u306b\u5fc5\u8981\u306a\u306e\u304b\u3001\u4e00\u7dd2\u306b\u8003\u3048\u3066\u898b\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3063\u3066\u306a\u306b\uff1f<\/h2>\n<p>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3068\u306f\u3001\u305d\u306e\u540d\u306e\u3068\u304a\u308a\u5098\u306e\u3088\u3046\u306b\u4ed6\u306e\u4fdd\u967a\u306e\u3046\u3048\u306b\u5b58\u5728\u3059\u308b\u4fdd\u967a\u3067\u3059\u3002\u4e07\u304c\u4e00\u3001\u8a34\u8a1f\u3055\u308c\u30e9\u30a4\u30a2\u30d3\u30ea\u30c6\u30a3\uff08\u8ce0\u511f\u8cac\u4efb\uff09\u3092\u8ca0\u3044\u3001\u305d\u306e\u984d\u304c\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u4fdd\u967a\u3001\u30ec\u30f3\u30bf\u30fc\u30ba\u4fdd\u967a\u3001\u30b3\u30f3\u30c9\u30df\u30cb\u30a2\u30e0\u4fdd\u967a\u306a\u3069\u3067\u88dc\u511f\u3067\u304d\u308b\u984d\u3092\u4e0a\u56de\u3063\u3066\u3044\u305f\u5834\u5408\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u304c\u88dc\u511f\u3092\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-insurance.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1325\" title=\"umbrella insurance\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-insurance.png?resize=460%2C339&#038;ssl=1\" alt=\"\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\" width=\"460\" height=\"339\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-insurance.png?w=542&amp;ssl=1 542w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-insurance.png?resize=300%2C221&amp;ssl=1 300w\" sizes=\"auto, (max-width: 460px) 100vw, 460px\" \/><\/a> \u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u4fdd\u967a\u306e\u88dc\u511f\u30ea\u30df\u30c3\u30c8\u3067\u3042\u308b\u3001$300,000\u3084$500,000\u306a\u3069\u306e\u6570\u5b57\u306f\u4e00\u898b\u5341\u5206\u306a\u3082\u306e\u306e\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u304c\u3001\u4e8b\u6545\u306e\u5185\u5bb9\u306b\u3088\u3063\u3066\u306f\u3068\u3046\u3066\u3044\u5fc5\u8981\u88dc\u511f\u306b\u6e80\u305f\u306a\u3044\u3053\u3068\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u4e8b\u6545\u306e\u76f8\u624b\u304c\u5916\u79d1\u533b\u3067\u624b\u306b\u602a\u6211\u3092\u8ca0\u3063\u3066\u4ed5\u4e8b\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u3001\u30c6\u30a3\u30fc\u30f3\u30fb\u30a8\u30a4\u30b8\u30e3\u30fc\u306e\u606f\u5b50\u304c\u5927\u304d\u306a\u4e8b\u6545\u3092\u5f15\u304d\u8d77\u3053\u3057\u53cb\u9054\u306b\u5927\u602a\u6211\u3092\u3055\u305b\u3066\u3057\u307e\u3063\u305f\u3001\u81ea\u5b85\u306e\u30d7\u30fc\u30eb\u3067\u904a\u3073\u306b\u304d\u3066\u3044\u305f\u3053\u3069\u3082\u304c\u304a\u307c\u308c\u3066\u3057\u307e\u3063\u305f\u306a\u3069\u3068\u306a\u308c\u3070\u3001\u6841\u9055\u3044\u306e\u8ce0\u511f\u8cac\u4efb\u3092\u304b\u304b\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u4e8b\u6545\u4ee5\u5916\u306b\u3082\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306b\u983c\u3089\u306d\u3070\u306a\u3089\u306a\u3044\u72b6\u6cc1\u3082\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u201cAnyone can sue anyone else for anything\u201d\u3068\u3088\u304f\u8a00\u308f\u308c\u307e\u3059\u3002\u8a34\u8a1f\u306b\u306f\u3001\u672c\u6765\u306a\u3089\u3070\u300c\u8a34\u8a1f\u3092\u8d77\u3053\u3059\u3079\u304d\u6839\u62e0\u300d\u304c\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u306f\u305a\u3067\u3059\u304c\u3001\u305d\u306e\u300c\u6839\u62e0\u300d\u306f\u9996\u3092\u304b\u3057\u3052\u308b\u3088\u3046\u306a\u3082\u306e\u3082\u591a\u3044\u4eca\u65e5\u3053\u306e\u9803\u3002\u6700\u8fd1\u3067\u306f\u3001\u300c\u6839\u62e0\u300d\u3088\u308a\u3001\u300c\u8a34\u8a1f\u3092\u8d77\u3053\u3057\u305f\u3068\u304d\u304a\u91d1\u304c\u3068\u308c\u305d\u3046\u304b\u300d\u3068\u3044\u3046\u8981\u7d20\u306e\u307b\u3046\u304c\u3001\u8a34\u8a1f\u3092\u8d77\u3053\u3059\u304b\u3069\u3046\u304b\u306e\u5224\u65ad\u57fa\u6e96\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002Personal injury\u306e\u5f01\u8b77\u58eb\u306f\u3001\u8a34\u8a1f\u76f8\u624b\u306e\u8cc7\u7523\u3092\u3044\u3061\u306f\u3084\u304f\u8abf\u3079\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001\u308f\u305f\u3057\u305f\u3061\u306f\u3001<strong>\u300c\u8a34\u8a1f\u3055\u308c\u308b\u3088\u3046\u306a\u3053\u3068\u3092\u5f15\u304d\u8d77\u3053\u3057\u305d\u3046\u304b\u300d<\/strong>\u3068\u3044\u3046\u5074\u9762\u304b\u3089\u3060\u3051\u3067\u306a\u304f\u3001<strong>\u300c\u8a34\u8a1f\u3055\u308c\u3066\u3001\u3068\u3063\u3066\u3044\u304b\u308c\u305d\u3046\u306a\u3082\u306e\u3092\u6301\u3063\u3066\u3044\u308b\u304b\u300d<\/strong>\u3068\u3044\u3046\u5074\u9762\u306b\u3082\u7126\u70b9\u3092\u3042\u3066\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306d\u3002\u6839\u62e0\u306e\u306a\u3044\u8a34\u8a1f\u3092\u8d77\u3053\u3055\u308c\u305f\u5834\u5408\u3067\u3082\u3001\u81ea\u5206\u3092\u5f01\u8b77\u305b\u306d\u3070\u306a\u3089\u305a\u3001\u305d\u306e\u8cbb\u7528\u306f\u5d69\u307f\u307e\u3059\u3002\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u3001\u30e9\u30a4\u30a2\u30d3\u30ea\u30c6\u30a3\uff08\u8ce0\u511f\u8cac\u4efb\uff09\u3060\u3051\u3067\u306a\u304f\u3001\u5f01\u8b77\u8cbb\u7528\u3084\u540d\u8a89\u6bc0\u640d\u306a\u3069\u306b\u3064\u3044\u3066\u3082\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u3001\u81ea\u52d5\u8eca\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u306a\u3069\u306e\u57fa\u672c\u3068\u306a\u308b\u4fdd\u967a\u306e\u88dc\u511f\u3067\u8db3\u308a\u306a\u3044\u5834\u5408\u306e\u30a8\u30ad\u30b9\u30c8\u30e9\u30fb\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u8ab0\u304c\u5fc5\u8981\uff1f<\/h2>\n<p><strong>\u307e\u305a\u306f\u3001\u300c\u8a34\u8a1f\u3055\u308c\u308b\u3088\u3046\u306a\u3053\u3068\u3092\u5f15\u304d\u8d77\u3053\u3057\u305d\u3046\u304b\u300d\u3068\u3044\u3046\u5074\u9762\u306b\u7126\u70b9\u3092\u3042\u3066\u308b\u3068<\/strong>\u3001\u3053\u3093\u306a\u65b9\u3005\u30fb\u30fb\u30fb<\/p>\n<ul>\n<li>\u72ac\u3092\u98fc\u3063\u3066\u3044\u308b<\/li>\n<li>\u5bb6\u306b\u30d7\u30fc\u30eb\u304c\u3042\u308b<\/li>\n<li>\u30c6\u30a3\u30fc\u30f3\u30a8\u30a4\u30b8\u306e\u30c9\u30e9\u30a4\u30d0\u30fc\u304c\u3044\u308b<\/li>\n<li>\u5bb6\u3067\u3088\u304f\u30d1\u30fc\u30c6\u30a3\u30fc\u3084\u96c6\u307e\u308a\u3092\u6301\u3064<\/li>\n<li>\u30dc\u30fc\u30c8\u3001\u6c34\u4e0a\u30b9\u30ad\u30fc\u3001\u30b9\u30ce\u30fc\u30b9\u30ad\u30fc\u3001\u30aa\u30d5\u30ed\u30fc\u30c9\u8eca\u3092\u6301\u3063\u3066\u3044\u308b<\/li>\n<li>\u8cb8\u5bb6\u3084\u5225\u8358\u3092\u6301\u3063\u3066\u3044\u308b<\/li>\n<li>\u30dc\u30e9\u30f3\u30c6\u30a3\u30a2\u30fb\u30ef\u30fc\u30af\u3092\u3057\u3066\u3044\u308b<\/li>\n<\/ul>\n<p>\u6700\u5f8c\u306e\u3001\u30dc\u30e9\u30f3\u30c6\u30a3\u30a2\u30fb\u30ef\u30fc\u30af\u3092\u3057\u3066\u3044\u308b\u30fb\u30fb\u30fb\u3067\u9996\u3092\u304b\u3057\u3052\u308b\u4eba\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u60b2\u3057\u3044\u3053\u3068\u306b\u3053\u308c\u3082\u73fe\u5b9f\u3089\u3057\u3044\u3067\u3059\u3002\u4ee5\u524d\u3001\u3053\u3069\u3082\u306e\u30d7\u30ec\u30b9\u30af\u30fc\u30eb\u306e\u30dc\u30fc\u30c9\u30fb\u30e1\u30f3\u30d0\u30fc\u3068\u3057\u3066\u30dc\u30e9\u30f3\u30c6\u30a3\u30a2\u3092\u3057\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u5c0f\u3055\u306a\u548c\u6c17\u3042\u3044\u3042\u3044\u3068\u3057\u305f\u30e2\u30f3\u30c6\u30bd\u30fc\u30ea\u30fb\u30b9\u30af\u30fc\u30eb\u306e\u3001\u3053\u308c\u307e\u305f\u5c0f\u3055\u306a\u548c\u6c17\u3042\u3044\u3042\u3044\u3068\u3057\u305f\u30b9\u30af\u30fc\u30eb\u30fb\u30dc\u30fc\u30c9\u3067\u3057\u305f\u304c\u3001\u305d\u306e\u3046\u3061\u306e\u3072\u3068\u308a\u304c\u3054\u4e3b\u4eba\u304c\u5927\u304d\u306a\u30d3\u30b8\u30cd\u30b9\u3092\u6301\u3063\u3066\u3044\u3066\u305f\u304f\u3055\u3093\u306e\u8cc7\u7523\u306e\u3042\u308b\u65b9\u3067\u3057\u305f\u3002\u305d\u306e\u4eba\u306f\u3001\u30dc\u30fc\u30c9\u30fb\u30e1\u30f3\u30d0\u30fc\u3068\u3057\u3066\u306e\u6c7a\u65ad\u3084\u6d3b\u52d5\u306b\u5bfe\u3057\u3066\u8a34\u8a1f\u3092\u8d77\u3053\u3055\u308c\u305f\u3068\u304d\u306e\u305f\u3081\u306b\u3001\u5b66\u6821\u304c\u30e9\u30a4\u30a2\u30d3\u30ea\u30c6\u30a3\u306b\u5bfe\u3057\u3066\u306e\u4fdd\u967a\u3092\u8cb7\u308f\u306a\u3044\u306e\u306a\u3089\u3001\u81ea\u5206\u306f\u30dc\u30e9\u30f3\u30c6\u30a3\u30a2\u306f\u7d9a\u3051\u3089\u308c\u307e\u305b\u3093\u3068\u304d\u3063\u3070\u308a\u8a00\u3044\u5207\u308a\u307e\u3057\u305f\u3002\u3046\uff5e\u3093\u3001\u8907\u96d1\u306a\u6c17\u5206\u3067\u3059\u304c\u3001\u73fe\u5b9f\u3067\u3059\u3002\u3002<\/p>\n<p>\u305d\u308c\u304b\u3089\u3001\u4e0a\u306e\u30b1\u30fc\u30b9\u3068\u3082\u95a2\u9023\u3057\u307e\u3059\u304c<strong>\u3001\u300c\u8a34\u8a1f\u3055\u308c\u305f\u3068\u304d\u3001\u3068\u3063\u3066\u3044\u304b\u308c\u305d\u3046\u306a\u3082\u306e\u3092\u6301\u3063\u3066\u3044\u308b\u304b\u300d\u3068\u3044\u3046\u5074\u9762\u3067\u8003\u3048\u307e\u3059\u3068\u3001<\/strong>\u3053\u3093\u306a\u65b9\u3005\u30fb\u30fb\u30fb<\/p>\n<ul>\n<li>\u5bb6\u3001\u8caf\u91d1\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3084\u5b66\u8cc7\u306a\u3069\u306e\u7a4d\u307f\u7acb\u3066\u3001\u6295\u8cc7\u3001\u5bb6\u306a\u3069\u306e\u8cc7\u7523\u304c\u3042\u308b<\/li>\n<li>\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u304c\u3042\u308b<\/li>\n<li>\u7d4c\u6e08\u7684\u306b\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u304f\u3079\u304d\u3053\u3069\u3082\u304c\u3044\u308b<\/li>\n<\/ul>\n<p>\u8cc7\u7523\u7dcf\u984d\u304b\u3089\u8ca0\u50b5\u7dcf\u984d\u3092\u5dee\u3057\u5f15\u3044\u305f<a href=\"http:\/\/smartandresponsible.com\/blog\/balance-sheet-net-wort\/\" title=\"\u30d0\u30e9\u30f3\u30b9\u30fb\u30b7\u30fc\u30c8\u3092\u3064\u304f\u3063\u3066\u307f\u308b\uff0d\u3042\u306a\u305f\u306e\u7d14\u8cc7\u7523\uff08Net Worth\uff09\u306f\uff1f\" >\u7d14\u8cc7\u7523\u3092\u8a08\u7b97\u3057\u3066\u307f\u307e\u3057\u3087\u3046<\/a>\u3002\u305d\u306e\u984d\u304c\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30ba\u4fdd\u967a\u306e\u88dc\u511f\u30ea\u30df\u30c3\u30c8\u3088\u308a\u591a\u3051\u308c\u3070\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002\u307e\u305f\u305d\u3046\u3067\u306a\u3044\u5834\u5408\u3067\u3082\u3001\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u304c\u3042\u308c\u3070\u3001\u5c06\u6765\u306b\u308f\u305f\u3063\u3066\u53ce\u5165\u3092\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u52a0\u5165\u3059\u308b\u3053\u3068\u3092\u8003\u616e\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3063\u3066\u3069\u3046\u3084\u3063\u3066\u5165\u308b\u306e\uff1f<\/h2>\n<p>\u307e\u305a\u306f\u6717\u5831\u304b\u3089\u30fb\u30fb\u30fb\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u9ad8\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u81ea\u52d5\u8eca\u4fdd\u967a\u306f\u90fd\u5e02\u90e8\u306a\u3089\u8eca2\u53f0\u30671\u5e74\u6570\u5343\u30c9\u30eb\u306b\u53ca\u3076\u3053\u3068\u3082\u3057\u3070\u3057\u3070\u3067\u3059\u304c\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\uff04\uff11\u30df\u30ea\u30aa\u30f3\u306e\u88dc\u511f\u984d\u30671\u5e74\u3067$150\u304b\u3089$300\u3067\u3059\u3002<\/p>\n<p>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u3001\u81ea\u52d5\u8eca\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u306a\u3069\u306e\u57fa\u672c\u3068\u306a\u308b\u4fdd\u967a\u304b\u3089\u306e\u88dc\u511f\u304c\u5c3d\u304d\u305f\u5f8c\u306b\u3001\u305d\u306e\u88dc\u511f\u304c\u6709\u52b9\u306b\u306a\u308b\u3068\u3044\u3046\u6027\u683c\u3092\u3082\u3063\u3066\u3044\u307e\u3059\u304b\u3089\u3001\u3053\u308c\u3089\u306e\u57fa\u672c\u4fdd\u967a\u306e\u88dc\u511f\u304c\u3042\u308b\u4e00\u5b9a\u4ee5\u4e0a\u3067\u306a\u3051\u308c\u3070\u52a0\u5165\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u6761\u4ef6\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u3053\u308c\u3089\u306e\u57fa\u672c\u4fdd\u967a\u306e\u88dc\u511f\u304c\u6700\u4f4e\u3067$250,000\u3042\u308b\u3044\u306f$300,000\u3067\u306a\u3044\u3068\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306b\u306f\u52a0\u5165\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u5177\u5408\u3067\u3059\u3002<\/p>\n<p>\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u30db\u30fc\u30e0\u30fb\u30aa\u30fc\u30ca\u30fc\u30ba\u4fdd\u967a\u306a\u3069\u306e\u57fa\u672c\u4fdd\u967a\u3092\u3072\u3068\u3064\u306e\u4f1a\u793e\u306b\u307e\u3068\u3081\u3066\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/auto-insurance-discounts1\/\" title=\"\u30a2\u30e1\u30ea\u30ab\u306e\u81ea\u52d5\u8eca\u4fdd\u967a\u3067\u7bc0\u7d04\u3059\u308b\u3000\u2013\u300025\u306e\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\uff08\uff11\uff09\" >\u8907\u6570\u30dd\u30ea\u30b7\u30fc\u30fb\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\u3092\u5f97\u308b<\/a>\u3068\u540c\u6642\u306b\u3001\u540c\u3058\u4f1a\u793e\u304b\u3089\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u7406\u60f3\u7684\u306a\u65b9\u6cd5\u3067\u3057\u3087\u3046\u3002\u73fe\u5728\u5951\u7d04\u3057\u3066\u3044\u308b\u4fdd\u967a\u4f1a\u793e\u304b\u3089\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306e\u898b\u7a4d\u3082\u308a\u3092\u3068\u3063\u3066\u307f\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u305f\u3060\u3057\u3001\u73fe\u5728\u306e\u4fdd\u967a\u4f1a\u793e\u306b\u9078\u629e\u80a2\u3092\u30ea\u30df\u30c3\u30c8\u305b\u305a\u3001\u4ed6\u306e\u6570\u793e\u304b\u3089\u3082\u898b\u7a4d\u3082\u308a\u3092\u3068\u308b\u3068\u3088\u3044\u3088\u3046\u3067\u3059\u3088\u3002\u4fdd\u967a\u4f1a\u793e\u3092\u5909\u3048\u305f\u307b\u3046\u304c\u3001\u5168\u4f53\u7684\u30b3\u30b9\u30c8\u304c\u4e0b\u304c\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3088\u304f\u3042\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u6700\u521d\u306e\uff04\uff11\u30df\u30ea\u30aa\u30f3\u88dc\u511f\u306e\u4fdd\u967a\u6599\u304c\u6700\u3082\u9ad8\u3044\u3082\u306e\u3067\u3001\u305d\u306e\u5f8c\u88dc\u511f\u984d\u3092\u8ffd\u52a0\u3057\u3066\u3044\u304f\u3068\u3001\uff04\uff11\u30df\u30ea\u30aa\u30f3\u3042\u305f\u308a\u306e\u4fdd\u967a\u6599\u306f\u4e0b\u304c\u3063\u3066\u3044\u304f\u306e\u304c\u3075\u3064\u3046\u3060\u305d\u3046\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u308c\u306f\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u968f\u5206\u7570\u306a\u308b\u3089\u3057\u304f\u3001\u5bcc\u88d5\u5c64\u3092\u305f\u304f\u3055\u3093\u9867\u5ba2\u3068\u3057\u3066\u62b1\u3048\u3066\u3044\u308b\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u6700\u521d\u306e\uff04\uff11\u30df\u30ea\u30aa\u30f3\u306f1\u5e74\u306b\u3064\u304d$150\u304b\u3089$300\u3001\u8ffd\u52a0\u88dc\u511f\uff04\uff11\u30df\u30ea\u30aa\u30f3\u3042\u305f\u308a$100\u304b\u3089$125\u3001\u3055\u3089\u306b\u306f$50\u304b\u3089$75\u3042\u305f\u308a\u307e\u3067\u4e0b\u304c\u308b\u3053\u3068\u3082\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u4e2d\u9593\u304b\u3089\u4f4e\u6240\u5f97\u8005\u5c64\u3092\u30e1\u30a4\u30f3\u306e\u9867\u5ba2\u306b\u3057\u3066\u3044\u308b\u4fdd\u967a\u4f1a\u793e\u3067\u306f\u3001\uff04\uff11\u30df\u30ea\u30aa\u30f3\u4ee5\u4e0a\u306b\u306a\u308b\u3068\u6025\u306b\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u308b\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u3042\u308b\u305d\u3046\u3067\u3059\u3002\u3053\u308c\u306f\u3001\uff04\uff11\u30df\u30ea\u30aa\u30f3\u4ee5\u4e0a\u306e\u88dc\u511f\u3092\u5951\u7d04\u3059\u308b\u9867\u5ba2\u304c\u3042\u307e\u308a\u3044\u306a\u3044\u305f\u3081\u3001\u5341\u5206\u306a\u9867\u5ba2\u30d7\u30fc\u30eb\u304c\u78ba\u4fdd\u3067\u304d\u305a\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u3057\u3066\u30ea\u30b9\u30af\u304c\u4e0a\u304c\u308b\u305f\u3081\u3060\u305d\u3046\u3067\u3059\u3002\u3067\u3059\u306e\u3067\u3001\u3054\u81ea\u5206\u306e\u5fc5\u8981\u306b\u5fdc\u3058\u3001\u3074\u3063\u305f\u308a\u306e\u4fdd\u967a\u4f1a\u793e\u3092\u63a2\u3059\u305f\u3081\u3001\u5c11\u306a\u304f\u3068\u3082\u3044\u304f\u3064\u304b\u306e\u898b\u7a4d\u3082\u308a\u3092\u3068\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u3053\u3093\u306a\u3084\u308a\u65b9\u306f\u3044\u304b\u304c\u3067\u3057\u3087\u3046\uff1f<\/h2>\n<p>\u30d0\u30f3\u30d0\u30fc\u3092\u50b7\u3064\u3051\u3066$500\u88dc\u511f\u91d1\u3092\u3082\u3089\u3046\u3001\u4fee\u7406\u306e\u9593\u30ec\u30f3\u30bf\u30ab\u30fc\u4ee3\u306e\u88dc\u511f\u3092\u3057\u3066\u3082\u3089\u3046\u3001\u30c8\u30fc\u30a4\u30f3\u30b0\u3092\u30bf\u30c0\u3067\u3084\u3063\u3066\u3082\u3089\u3046\u3068\u3044\u3046\u300c\u5b89\u5fc3\u300d\u3092\u3068\u308a\u307e\u3059\u304b\uff1f\u305d\u308c\u3068\u3082\u3001\u4e07\u304c\u4e00\u306b\u3082\u8a34\u8a1f\u3092\u8d77\u3053\u3055\u308c\u3066\u305d\u308c\u307e\u3067\u4e00\u751f\u61f8\u547d\u50cd\u3044\u3066\u3084\u3063\u3068\u5b8c\u6e08\u3057\u305f\u5bb6\u3092\u3068\u3089\u308c\u305f\u308a\u3001\u5bb6\u65cf\u3092\u990a\u3046\u305f\u3081\u306e\u53ce\u5165\u3092\u5c06\u6765\u306b\u308f\u305f\u3063\u3066\u5dee\u3057\u62bc\u3055\u3048\u3089\u308b\u3053\u3068\u306f\u306a\u3044\u3068\u3044\u3046\u300c\u5b89\u5fc3\u300d\u3092\u3068\u308a\u307e\u3059\u304b\uff1f\u5f8c\u8005\u3067\u3059\u3088\u306d\u3002\u3002\u305d\u308c\u304c\u540c\u3058\u304f\u3089\u3044\u306e\u30b3\u30b9\u30c8\u3067\u3067\u304d\u308b\u306a\u3089\u306a\u304a\u3055\u3089\u3067\u3057\u3087\u3046\u3002\u4fdd\u967a\u306f\u3001\u5c0f\u3055\u306a\u304a\u91d1\u3092\u3061\u3087\u3053\u3061\u3087\u3053\u3082\u3089\u3063\u3066\u3088\u308d\u3053\u3076\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u4e07\u304c\u4e00\u306e\u5927\u88ab\u5bb3\u306e\u3068\u304d\u306b\u3053\u305d\u983c\u308c\u308b\u4fdd\u8b77\u3092\u78ba\u4fdd\u3059\u308b\u3082\u306e\u3068\u5272\u308a\u5207\u308b\u3068\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002Deductible\u3092\u5f15\u304d\u4e0a\u3052\u305f\u308a\u3001\u3042\u307e\u308a\u5fc5\u8981\u306e\u306a\u3044\u30ab\u30d0\u30ec\u30c3\u30b8\u3092\u30c9\u30ed\u30c3\u30d7\u3059\u308b\u3053\u3068\u3067\u3001\u6d6e\u3044\u305f\u304a\u91d1\u3092\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306b\u56de\u3059\u3068\u3044\u3046\u306e\u306f\u3001\u8ce2\u3044\u9078\u629e\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u3046\u3059\u308b\u3053\u3068\u3067\u3001\u81ea\u8cbb\u3067\u307e\u304b\u306a\u3048\u308b\u7a0b\u5ea6\u306e\u5c0f\u3055\u306a\u640d\u5bb3\u306f\u30ab\u30d0\u30fc\u3055\u308c\u306a\u304f\u306a\u308a\u307e\u3059\u304c\u3001\u4e07\u304c\u4e00\u306e\u3068\u3093\u3067\u3082\u306a\u3044\u72b6\u614b\u304b\u3089\u306f\u5bb6\u65cf\u3092\u5b88\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-by-increasing-deductible.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1326\" title=\"umbrella by increasing deductible\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-by-increasing-deductible.png?resize=550%2C345&#038;ssl=1\" alt=\"\" width=\"550\" height=\"345\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-by-increasing-deductible.png?w=740&amp;ssl=1 740w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-by-increasing-deductible.png?resize=300%2C188&amp;ssl=1 300w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" 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