<p>汽車的成本可能會繼續推高免賠額。根據 Cox Automotive 的數據，自四月以來，汽車製造商對新車的平均要價一直超過 50,000 美元，十一月時接近 52,000 美元。越來越多的人選擇更長的貸款期限，部分月供接近 1,000 美元，這使得汽車擁有的持續成本對許多人來説成為負擔。</p>
<p>提高免賠額存在風險。進行此操作的駕駛者必須確定如果發生事故，他們是否能夠承擔更高的金額。如果不能，&#34;你實際上就沒有保險，&#34; Glombicki 説。</p>
<p>根據 The Zebra 的一項調查，超過四分之一的人表示他們的儲蓄不足以支付免賠額。</p>
<p>'客户自付'正在上升</p>
<p>1,000 美元的免賠額曾經很少見，但現在已經很普遍，碰撞修理專家協會的執行董事 Aaron Schulenburg 表示。他還聽説現在有 2,000 美元的免賠額。</p>
<p>Schulenberg 看到駕駛者在承擔更多責任以降低保險成本方面有其他方式。他聽説越來越多的事件中，駕駛者在支付免賠額的同時還支付了保險公司未支付的自付部分。</p>
<p>他還聽説越來越多的客户自己承擔全部費用。&#34;客户在碰撞修理店承擔的修理費用越來越多，&#34;他提到的&#34;客户自付&#34;事件也在上升。</p>
<p>在這種情況下，客户直接向車身修理店付款，而保險公司從未參與索賠，甚至可能不知道該事件。</p>
<p>根據 J.D. Power 在十月的調查，7% 的駕駛者表示他們沒有提出索賠，因為擔心這會影響他們的保費。</p>
<p>Mike Anderson 是一位諮詢修理店、汽車製造商和消費者的顧問，他在 200 家汽車修理企業中看到這一趨勢，這些企業共享信息。他表示，今年幾乎 20% 的修理訂單完全由客户支付，而不是由保險公司支付。這一比例從 2024 年的 12.7% 上升，三四年前為 7% 到 8%。&#34;在可預見的未來，客户自付將保持相當強勁，&#34;Anderson 説。</p>
<p>客户自付的一個風險是：一些注重價格的駕駛者可能會通過購買便宜但不夠安全的零件來削減成本。&#34;在自付時，他們往往想要比價，&#34;並可能在線尋找替換零件，Anderson 説。</p>
<p>另一個風險是：駕駛者完全跳過修理。在某些情況下，如果發生事故，駕駛者可能會後悔沒有處理壞掉的倒車攝像頭或失靈的變道傳感器，Anderson 説。</p>
<p>Schulenberg 表示，當汽車來進行其他服務時，未處理的損壞會顯現出來。&#34;我認為你會看到更多這樣的情況。&#34;</p>
<p>Mitchell International 的 Mandell 已經親身體驗了駕駛者所做的權衡。去年，一名駕駛者在停車標誌處倒車撞上他的 12 年車齡的 Yukon XL 後逃離現場。更換被劃傷的前保險槓需要 1,100 美元，而 Mandell 本來需要支付前 500 美元。</p>
<p>他已經在為 25% 的保費上漲做好準備，因為他的青少年兒子現在有了學習駕照。然後在他兒子獲得駕照後又上漲 25%。所以，他認為為保險槓提出索賠不值得。</p>
<p>儘管他最終支付了修理 SUV 變速箱的費用，但 Mandell 表示前保險槓看起來並不好。&#34;我們選擇花錢維護車輛，而不是追求外觀，&#34;他説。</p>
<p>路上無保險或保險不足的駕駛者越來越多</p>
<p>這並不總是保險與不保險的選擇。越來越多的是保險覆蓋不足的問題。根據保險研究委員會的數據，2023 年，超過六分之一的駕駛者，即 18%，的保險不足以覆蓋損害的費用。自 2017 年以來，這一比例有所上升。</p>
<p>Ann Baddour 是德克薩斯州 Appleseed 公平金融服務項目的主任，這是一個專注於社會、經濟和種族正義問題的非營利組織。Baddour 觀察到 Kelly 在尋找保險方面的掙扎。她調查發現，在休斯頓低收入郵政編碼地區，缺乏汽車保險的駕駛者被開具的警察罰單越來越多。保費上漲加劇了無保險率，她説。</p>
<p>然而，其他保險做法——例如使用駕駛者的信用評分來影響保費——使問題更加嚴重，Baddour 認為。在大多數州，包括德克薩斯州，保險公司允許汽車保險公司在其覆蓋和定價決策中考慮信用評分。</p>
<p>&#34;這似乎有些脱節，因為我們希望人們有保險，但卻以一種定價方式使得如果一個人跌倒，他們就很難重新進入市場，&#34;Baddour 説。</p>
<p>駕駛者為節省費用而做出的最冒險的選擇：'規避保費'</p>
<p>雖然駕駛者有合法的方式來降低保費——例如尋找更好的保單——但也有非法的方式，比如對保險公司隱瞞重要事實。這包括誤導保險公司關於個人駕駛汽車的頻率，或汽車晚上停放的位置，或誰是真正的日常駕駛者。</p>
<p>根據國家保險犯罪局的説法，這種&#34;規避保費&#34;的現象正在上升。該組織是一個由保險行業資助的非營利組織，與執法部門合作打擊欺詐。</p>
<p>該組織表示，在 2010 年至 2019 年間，&#34;規避保費&#34;現象穩步上升。在疫情期間，由於人們駕駛減少，這一現象有所下降，並在 2024 年再次達到高峰。</p>
<p>&#34;這受到經濟問題的驅動。當人們面臨困境時，他們會尋找節省開支的方法，&#34;該組織的情報與分析主任 Jessica Rust 説。</p>
<p>Rust 表示，保險公司將欺詐風險計入保費中。&#34;我們都在為發生的欺詐支付更多費用。&#34;</p>
<p>Rust 指出，一些司機對其保險公司的虛假陳述可能會成為執法案件。在其他情況下，保險公司可能會取消某人的保險，這在司機未來尋找保險時將是一個重大警示信號。她想知道人們是否意識到這些風險。</p>
<p>展望未來，Rust 預計保險費的規避行為將持續高企。&#34;我不認為這種情況會很快好轉。&#34;</p>
<p>'動搖的信心'</p>
<p>汽車保險應該在路上出現問題時充當財務防火牆。由於承擔更多風險，消費者的信任可能受到考驗——而此時他們真的想了解自己為錢所獲得的價值。</p>
<p>Schulenberg 表示，&#34;客户自付&#34;和超過免賠額的自費支付的增加可能會動搖司機的信心。他們可能會在修理專家的説法和保險公司的説法之間感到困惑。這使得整個修理過程中的正確做法產生了疑問。</p>
<p>他補充道，這也可能迫使司機提出一個問題：&#34;如果保險公司不為我支付，為什麼我還要支付保險？&#34;</p>
<p>您希望在 MarketWatch 中看到哪些個人財務問題？我們希望聽到讀者關於他們財務決策和與金錢相關的問題的反饋。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會與您聯繫以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的答案以姓名形式歸屬給您。</p>
<p>-Andrew Keshner</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
<p>（結束）道瓊斯新聞通訊</p>
<p>12-23-25 1635ET</p>

CARS

<p>汽車和保險免賠額的上漲成本導致了更多無保險駕駛者和未修復的車輛損壞。新車價格平均超過 50,000 美元，許多人選擇更長的貸款期限，增加了財務負擔。更高的免賠額意味着一些駕駛者實際上缺乏保險。越來越多的駕駛者自掏腰包進行維修，目前 20% 的維修訂單由客户支付。無保險率在上升，2023 年有 18% 的駕駛者保險不足。使用信用評分來定價保險等做法加劇了這一問題，給駕駛者維持足夠保險覆蓋造成了障礙</p>

<p>The cost of cars could keep that upward push on deductibles. Automakers' average asking price for a new car has been above $50,000 since April and was nearly $52,000 in November, according to Cox Automotive. More people are taking out longer loans, with some monthly payments near $1,000, making the ongoing costs of car ownership a burden for many.</p>
<div class="lb-trans"><p>汽車的成本可能會繼續推高免賠額。根據 Cox Automotive 的數據，自四月以來，汽車製造商對新車的平均要價一直超過 50,000 美元，十一月時接近 52,000 美元。越來越多的人選擇更長的貸款期限，部分月供接近 1,000 美元，這使得汽車擁有的持續成本對許多人來説成為負擔。</p>
</div><p>Raising a deductible has risks. Drivers who do it have to determine whether they can afford to pay the higher amount if an accident occurs. If they can't, &#34;you effectively do not have insurance,&#34; Glombicki said.</p>
<div class="lb-trans"><p>提高免賠額存在風險。進行此操作的駕駛者必須確定如果發生事故，他們是否能夠承擔更高的金額。如果不能，&#34;你實際上就沒有保險，&#34; Glombicki 説。</p>
</div><p>Over one-quarter of people said they did not have enough money in savings to cover their deductible, according to a survey from The Zebra.</p>
<div class="lb-trans"><p>根據 The Zebra 的一項調查，超過四分之一的人表示他們的儲蓄不足以支付免賠額。</p>
</div><p>'Customer pay' is on the rise</p>
<div class="lb-trans"><p>'客户自付'正在上升</p>
</div><p>A $1,000 deductible used to be a rarity but now it's common, said Aaron Schulenburg, executive director of the Society of Collision Repair Specialists. He's heard of $2,000 deductibles these days too.</p>
<div class="lb-trans"><p>1,000 美元的免賠額曾經很少見，但現在已經很普遍，碰撞修理專家協會的執行董事 Aaron Schulenburg 表示。他還聽説現在有 2,000 美元的免賠額。</p>
</div><p>Schulenberg sees other ways drivers are shouldering more responsibility to tamp down on insurance costs. He's heard of more incidents where drivers are paying their deductible along with an out-of-pocket portion the insurer did not pay.</p>
<div class="lb-trans"><p>Schulenberg 看到駕駛者在承擔更多責任以降低保險成本方面有其他方式。他聽説越來越多的事件中，駕駛者在支付免賠額的同時還支付了保險公司未支付的自付部分。</p>
</div><p>He's also heard of more customers handling the entire amount themselves. &#34;Customers are covering more and more of their repairs&#34; at collision repair shops, amid the rise of what he referred to as &#34;customer-pay&#34; incidents.</p>
<div class="lb-trans"><p>他還聽説越來越多的客户自己承擔全部費用。&#34;客户在碰撞修理店承擔的修理費用越來越多，&#34;他提到的&#34;客户自付&#34;事件也在上升。</p>
</div><p>That's where the customer pays the body shop directly while the insurance company never gets involved with a claim - and may not even know of the incident.</p>
<div class="lb-trans"><p>在這種情況下，客户直接向車身修理店付款，而保險公司從未參與索賠，甚至可能不知道該事件。</p>
</div><p>Seven percent of drivers said they didn't file a claim because they worried about that impacting their premium, according to a J.D. Power survey in October.</p>
<div class="lb-trans"><p>根據 J.D. Power 在十月的調查，7% 的駕駛者表示他們沒有提出索賠，因為擔心這會影響他們的保費。</p>
</div><p>Mike Anderson, a consultant to repair shops, vehicle manufacturers and consumers, sees the trend among a group of 200 auto-repair businesses who pool information. This year, almost 20% of repair orders are now paid completely by the customer instead of the insurer, he said. That's up from 12.7% in 2024 and from 7% to 8% three or four years ago, he said. &#34;For the foreseeable future, customer pay is going to stay pretty strong,&#34; Anderson said.</p>
<div class="lb-trans"><p>Mike Anderson 是一位諮詢修理店、汽車製造商和消費者的顧問，他在 200 家汽車修理企業中看到這一趨勢，這些企業共享信息。他表示，今年幾乎 20% 的修理訂單完全由客户支付，而不是由保險公司支付。這一比例從 2024 年的 12.7% 上升，三四年前為 7% 到 8%。&#34;在可預見的未來，客户自付將保持相當強勁，&#34;Anderson 説。</p>
</div><p>Here's one risk of customer pay: Some price-conscious drivers may be tempted to cut corners by buying parts that may be cheaper, but aren't as roadworthy. &#34;When paying out of pocket, they tend to want to price shop,&#34; and potentially look online to find replacement parts, said Anderson.</p>
<div class="lb-trans"><p>客户自付的一個風險是：一些注重價格的駕駛者可能會通過購買便宜但不夠安全的零件來削減成本。&#34;在自付時，他們往往想要比價，&#34;並可能在線尋找替換零件，Anderson 説。</p>
</div><p>Another risk: Drivers skip the repair altogether. In some cases, a driver may regret not addressing their busted back-up camera or non-working lane change sensor if a crash happens, Anderson said.</p>
<div class="lb-trans"><p>另一個風險是：駕駛者完全跳過修理。在某些情況下，如果發生事故，駕駛者可能會後悔沒有處理壞掉的倒車攝像頭或失靈的變道傳感器，Anderson 説。</p>
</div><p>The unaddressed damage shows when cars come in for other service, Schulenberg said. &#34;I think you are going to see more of that.&#34;</p>
<div class="lb-trans"><p>Schulenberg 表示，當汽車來進行其他服務時，未處理的損壞會顯現出來。&#34;我認為你會看到更多這樣的情況。&#34;</p>
</div><p>Mandell, at Mitchell International, has already had a personal, upfront look at the trade-offs drivers are making. Last year, a driver backed into his 12-year-old Yukon XL at a stop sign and drove off. Replacing the gouged front bumper was a $1,100 job and Mandell would've paid the first $500.</p>
<div class="lb-trans"><p>Mitchell International 的 Mandell 已經親身體驗了駕駛者所做的權衡。去年，一名駕駛者在停車標誌處倒車撞上他的 12 年車齡的 Yukon XL 後逃離現場。更換被劃傷的前保險槓需要 1,100 美元，而 Mandell 本來需要支付前 500 美元。</p>
</div><p>He was already bracing for a 25% premium increase because his teen son now has a learner's permit. Then another 25% increase when his son gets his license. So filing a claim for the bumper wasn't worth it, he said.</p>
<div class="lb-trans"><p>他已經在為 25% 的保費上漲做好準備，因為他的青少年兒子現在有了學習駕照。然後在他兒子獲得駕照後又上漲 25%。所以，他認為為保險槓提出索賠不值得。</p>
</div><p>Though he did end up paying to fix the SUV's transmission, the front bumper doesn't look great, Mandell said. &#34;We chose to spend money to maintain the vehicle as opposed to cosmetics,&#34; he said.</p>
<div class="lb-trans"><p>儘管他最終支付了修理 SUV 變速箱的費用，但 Mandell 表示前保險槓看起來並不好。&#34;我們選擇花錢維護車輛，而不是追求外觀，&#34;他説。</p>
</div><p>There are more drivers on the road with no insurance - or too little</p>
<div class="lb-trans"><p>路上無保險或保險不足的駕駛者越來越多</p>
</div><p>It's not always a choice of insurance or no insurance. Increasingly, it's a matter of having too little coverage. In 2023, over one in six drivers, 18%, had too little insurance to cover the cost of damage, according to the Insurance Research Council. The rate has climbed since 2017.</p>
<div class="lb-trans"><p>這並不總是保險與不保險的選擇。越來越多的是保險覆蓋不足的問題。根據保險研究委員會的數據，2023 年，超過六分之一的駕駛者，即 18%，的保險不足以覆蓋損害的費用。自 2017 年以來，這一比例有所上升。</p>
</div><p>Ann Baddour is the director of the Fair Financial Services Project at Texas Appleseed, a nonprofit organization focused on social, economic and racial justice issues in the Lone Star state. Baddour has watched Kelly's struggles to find coverage. She's investigated how there are more police tickets issued to drivers who lack auto coverage in Houston's lower-income ZIP codes. Rising premiums play into uninsured rates, she said.</p>
<div class="lb-trans"><p>Ann Baddour 是德克薩斯州 Appleseed 公平金融服務項目的主任，這是一個專注於社會、經濟和種族正義問題的非營利組織。Baddour 觀察到 Kelly 在尋找保險方面的掙扎。她調查發現，在休斯頓低收入郵政編碼地區，缺乏汽車保險的駕駛者被開具的警察罰單越來越多。保費上漲加劇了無保險率，她説。</p>
</div><p>Yet other insurance practices - like using the driver's credit score to influence their premium price - worsen the problem, as she sees it. Insurers in most states, including Texas, allow auto insurers to consider credit scores in their coverage and pricing decisions.</p>
<div class="lb-trans"><p>然而，其他保險做法——例如使用駕駛者的信用評分來影響保費——使問題更加嚴重，Baddour 認為。在大多數州，包括德克薩斯州，保險公司允許汽車保險公司在其覆蓋和定價決策中考慮信用評分。</p>
</div><p>&#34;It almost seems like there's a disconnect because we want people to have insurance, and yet it's being priced in a way that if a person stumbles they're creating such an obstacle to get back into the market,&#34; Baddour said.</p>
<div class="lb-trans"><p>&#34;這似乎有些脱節，因為我們希望人們有保險，但卻以一種定價方式使得如果一個人跌倒，他們就很難重新進入市場，&#34;Baddour 説。</p>
</div><p>The riskiest bet drivers are making to save money: 'premium avoidance'</p>
<div class="lb-trans"><p>駕駛者為節省費用而做出的最冒險的選擇：'規避保費'</p>
</div><p>While there are legitimate ways for drivers to shave their premium costs - like shopping around for a better policy - there are also illegal ways, like lying to insurance companies about important facts. That would include misleading the insurer about how much the person drives their car. Or where the car is parked at night. Or who is the real day-to-day driver.</p>
<div class="lb-trans"><p>雖然駕駛者有合法的方式來降低保費——例如尋找更好的保單——但也有非法的方式，比如對保險公司隱瞞重要事實。這包括誤導保險公司關於個人駕駛汽車的頻率，或汽車晚上停放的位置，或誰是真正的日常駕駛者。</p>
</div><p>This type of &#34;premium avoidance&#34; is on the rise, according to the National Insurance Crime Bureau, an insurance industry-funded nonprofit organization that works with law enforcement to fight fraud.</p>
<div class="lb-trans"><p>根據國家保險犯罪局的説法，這種&#34;規避保費&#34;的現象正在上升。該組織是一個由保險行業資助的非營利組織，與執法部門合作打擊欺詐。</p>
</div><p>There was a &#34;steady increase in premium avoidance&#34; between 2010 and 2019, the organization said. It dropped off during the pandemic, when people drove less - and peaked again in 2024.</p>
<div class="lb-trans"><p>該組織表示，在 2010 年至 2019 年間，&#34;規避保費&#34;現象穩步上升。在疫情期間，由於人們駕駛減少，這一現象有所下降，並在 2024 年再次達到高峰。</p>
</div><p>&#34;It gets driven by economic issues. When people are struggling, they are looking for ways to save money&#34; said Jessica Rust, the organization's director of intelligence and analytics.</p>
<div class="lb-trans"><p>&#34;這受到經濟問題的驅動。當人們面臨困境時，他們會尋找節省開支的方法，&#34;該組織的情報與分析主任 Jessica Rust 説。</p>
</div><p>Insurers price fraud risks into their premiums, Rust said. &#34;We're all paying more to cover the fraud that occurs.&#34;</p>
<div class="lb-trans"><p>Rust 表示，保險公司將欺詐風險計入保費中。&#34;我們都在為發生的欺詐支付更多費用。&#34;</p>
</div><p>Some drivers' misrepresentations to their insurance companies may become law enforcement cases, Rust noted. In other instances, the carriers may cancel a person's coverage - and that would be a major red flag when the driver shops for future coverage. She wonders if people appreciate the risks.</p>
<div class="lb-trans"><p>Rust 指出，一些司機對其保險公司的虛假陳述可能會成為執法案件。在其他情況下，保險公司可能會取消某人的保險，這在司機未來尋找保險時將是一個重大警示信號。她想知道人們是否意識到這些風險。</p>
</div><p>Looking ahead, Rust is bracing for premium avoidance to stay elevated. &#34;I wouldn't expect it to drop off any time soon.&#34;</p>
<div class="lb-trans"><p>展望未來，Rust 預計保險費的規避行為將持續高企。&#34;我不認為這種情況會很快好轉。&#34;</p>
</div><p>'Shaken confidence'</p>
<div class="lb-trans"><p>'動搖的信心'</p>
</div><p>Auto insurance is supposed to be a financial firewall when things go wrong on the road. By bearing more risk, consumers' trust may be getting tested - at a time when they really want to understand the value they're getting for their money.</p>
<div class="lb-trans"><p>汽車保險應該在路上出現問題時充當財務防火牆。由於承擔更多風險，消費者的信任可能受到考驗——而此時他們真的想了解自己為錢所獲得的價值。</p>
</div><p>The rise of &#34;customer pay&#34; and out-of-pocket payments above a deductible can shake drivers' confidence, said Schulenberg, with the Society of Collision Repair Specialists. They may be caught between repair experts saying one thing and the insurer saying another. That casts doubt about what's the right thing to do throughout the entire repair process.</p>
<div class="lb-trans"><p>Schulenberg 表示，&#34;客户自付&#34;和超過免賠額的自費支付的增加可能會動搖司機的信心。他們可能會在修理專家的説法和保險公司的説法之間感到困惑。這使得整個修理過程中的正確做法產生了疑問。</p>
</div><p>It may also force drivers to ask a question, he added: &#34;Why am I obligated to pay for insurance if insurance isn't paying for me?&#34;</p>
<div class="lb-trans"><p>他補充道，這也可能迫使司機提出一個問題：&#34;如果保險公司不為我支付，為什麼我還要支付保險？&#34;</p>
</div><p>What personal-finance issues would you like to see covered in MarketWatch? We would like to hear from readers about their financial decisions and money-related questions. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您希望在 MarketWatch 中看到哪些個人財務問題？我們希望聽到讀者關於他們財務決策和與金錢相關的問題的反饋。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會與您聯繫以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的答案以姓名形式歸屬給您。</p>
</div><p>-Andrew Keshner</p>
<div class="lb-trans"><p>-Andrew Keshner</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（結束）道瓊斯新聞通訊</p>
</div><p>12-23-25 1635ET</p>
<div class="lb-trans"><p>12-23-25 1635ET</p>
</div>

未投保司機增多，未修復損害增加：-2-