{"id":5598,"date":"2021-01-05T11:59:09","date_gmt":"2021-01-05T19:59:09","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5598"},"modified":"2021-01-05T11:59:13","modified_gmt":"2021-01-05T19:59:13","slug":"%e3%82%a2%e3%83%b3%e3%83%96%e3%83%ac%e3%83%a9%e4%bf%9d%e9%99%ba%e3%81%af%e5%bf%85%e8%a6%81%e3%81%aa%e3%81%84%e3%81%a7%e3%81%99%e3%81%8b%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e3%82%a2%e3%83%b3%e3%83%96%e3%83%ac%e3%83%a9%e4%bf%9d%e9%99%ba%e3%81%af%e5%bf%85%e8%a6%81%e3%81%aa%e3%81%84%e3%81%a7%e3%81%99%e3%81%8b%ef%bc%9f\/","title":{"rendered":"\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u5fc5\u8981\u306a\u3044\u3067\u3059\u304b\uff1f"},"content":{"rendered":"\n<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\n\n\n<div style=\"height:44px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3063\u3066\u306a\u306b\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\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\n\n\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/umbrella-insurance.png\" ><\/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\u3055\u305b\u3066\u3057\u307e\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\n\n\n<p>\u4f8b\u3048\u3070\u3053\u3093\u306a\u5834\u5408\u3067\u3059\uff1a\u3000\u5929\u5019\u306e\u60aa\u3044\u30cf\u30a4\u30a6\u30a8\u30a4\u3092\u904b\u8ee2\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u65e5\u304c\u3042\u308a\u3001\u6c17\u3092\u3064\u3051\u3066\u3044\u305f\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u6c34\u306b\u30bf\u30a4\u30e4\u3092\u3068\u3089\u308c\u3066\u30b9\u30d4\u30f3\u3002\u6a2a\u306b\u3044\u305f\u30c6\u30b9\u30e9\u2015\u306b\u5f53\u305f\u308a\u5927\u304d\u304f\u7834\u640d\u3055\u305b\u8ce0\u511f\u91d1$80,000\u3001\u3055\u3089\u306b\u306f\u4f55\u4eba\u304b\u306e\u3051\u304c\u4eba\u3092\u51fa\u3057\u3066\u3057\u307e\u3044\u3001\u6cbb\u7642\u8cbb\u3001\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u4eba\u306e\u4f11\u696d\u8ce0\u511f\u3001Pain and Suffering\u3078\u306e\u7cbe\u795e\u7684\u30c0\u30e1\u30fc\u30b8\u3078\u306e\u8ce0\u511f\u306a\u3069\u3059\u3079\u3066\u5408\u308f\u305b\u3066$800,000\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u81ea\u52d5\u8eca\u4fdd\u967a\u306e\u30e9\u30a4\u30a2\u30d3\u30ea\u30c6\u30a3\u306e\u4e0a\u9650\u304c$300,000\u3068\u306a\u3063\u3066\u3044\u308b\u3068\u3001\u6b8b\u308a\u306e$580,000\u306f\u81ea\u5206\u3067\u30ab\u30d0\u30fc\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u3053\u3067\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u3092\u6301\u3063\u3066\u3044\u308c\u3070\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u304c$300,000\u3092\u30ab\u30d0\u30fc\u3057\u305f\u5f8c\u3067\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u304c\u305d\u306e\u5f8c\u306e\u90e8\u5206\u306e\u30ab\u30d0\u30fc\u3092\u5f15\u304d\u53d7\u3051\u3066\u304f\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\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\n\n\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\n\n\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\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306f\u8ab0\u304c\u5fc5\u8981\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\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\n\n\n<ul class=\"wp-block-list\"><li>\u72ac\u3092\u98fc\u3063\u3066\u3044\u308b<\/li><li>\u5bb6\u306b\u30d7\u30fc\u30eb\u304c\u3042\u308b<\/li><li>\u30c6\u30a3\u30fc\u30f3\u30a8\u30a4\u30b8\u306e\u30c9\u30e9\u30a4\u30d0\u30fc\u304c\u3044\u308b<\/li><li>\u5bb6\u3067\u3088\u304f\u30d1\u30fc\u30c6\u30a3\u30fc\u3084\u96c6\u307e\u308a\u3092\u6301\u3064<\/li><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><li>\u8cb8\u5bb6\u3084\u5225\u8358\u3092\u6301\u3063\u3066\u3044\u308b<\/li><\/ul>\n\n\n\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\n\n\n<ul class=\"wp-block-list\"><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><li>\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u304c\u3042\u308b<\/li><li>\u7d4c\u6e08\u7684\u306b\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u304f\u3079\u304d\u3053\u3069\u3082\u304c\u3044\u308b<\/li><\/ul>\n\n\n\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\/\" 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