{"id":19774,"date":"2024-09-20T13:06:48","date_gmt":"2024-09-20T18:06:48","guid":{"rendered":"https:\/\/bolttech.io\/insights\/covid-19-%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e7%ab%8b%e6%b3%95%e6%a9%9f%e6%a7%8b%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f\/"},"modified":"2024-09-20T13:06:49","modified_gmt":"2024-09-20T18:06:49","slug":"covid-19-%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e7%ab%8b%e6%b3%95%e6%a9%9f%e6%a7%8b%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/covid-19-%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e7%ab%8b%e6%b3%95%e6%a9%9f%e6%a7%8b%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f\/","title":{"rendered":"COVID-19 \u5546\u696d\u4fdd\u96aa\uff1a\u7acb\u6cd5\u6a5f\u69cb\u7684\u7acb\u5834\u5982\u4f55\uff1f"},"content":{"rendered":"\n<p>\u89e3\u6c7a COVID-19 \u5371\u6a5f\u7684\u65e9\u671f\u5617\u8a66\u5c0e\u81f4\u5404\u5dde\u7acb\u6cd5\u6c7a\u5b9a\u62fc\u6e4a\u5728\u4e00\u8d77\u3002\n\u9019\u4e9b\u52aa\u529b\u5305\u62ec\u5617\u8a66\u89e3\u6c7a\u56e0\u5927\u6d41\u884c\u800c\u88ab\u8feb\u95dc\u9589\u7684\u4f01\u696d\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u3001\u516c\u5171\u885b\u751f\u63aa\u65bd\u6216\u5169\u8005\u517c\u800c\u6709\u4e4b\u7684\u554f\u984c\u3002 <\/p>\n\n<p>\u7531\u65bc\u5176\u4e2d\u8a31\u591a\u5617\u8a66\u90fd\u662f\u5728\u5dde\u4e00\u7d1a\u9032\u884c\u7684\uff0c\u56e0\u6b64\u6bcf\u4e00\u6b21\u90fd\u63a1\u53d6\u4e86\u7565\u6709\u4e0d\u540c\u7684\u65b9\u6cd5\uff0c\u4f75\u7522\u751f\u4e86\u4e0d\u540c\u7684\u7d50\u679c\u3002\n\u96a8\u8457\u4fdd\u96aa\u516c\u53f8\u548c\u88ab\u4fdd\u96aa\u4eba\u4e4b\u9593\u7684\u885d\u7a81\u9032\u5165\u6cd5\u9662\uff0c\u7d50\u679c\u7684\u7bc4\u570d\u7e7c\u7e8c\u591a\u6a23\u5316\u3002 <\/p>\n\n<p>\u96a8\u8457 2020 \u5e74\u7684\u7d50\u675f\uff0cCOVID-19 \u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u898f\u5247\u56e0\u5dde\u800c\u7570\u3002\n\u8a31\u591a\u898f\u5247\u6b63\u5728\u958b\u767c\u4e2d\uff0c\u9019\u7d66\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u6311\u6230\uff0c\u4ed6\u5011\u9700\u8981\u5728\u672a\u4f86\u4e00\u6bb5\u6642\u9593\u5167\u99d5\u99ad\u8907\u96dc\u4e14\u4e0d\u65b7\u8b8a\u5316\u7684\u898f\u5247\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19 \u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\uff1a\u7acb\u6cd5\u6a5f\u95dc\u7684\u7acb\u5834<\/h2>\n\n<p>\u8fc4\u4eca\u70ba\u6b62\uff0c\u7f8e\u570b10\u500b\u5dde\u7684\u7acb\u6cd5\u6a5f\u69cb\u548c\u54e5\u502b\u6bd4\u4e9e\u7279\u5340\u6b63\u5728\u8003\u616e\u6cd5\u6848\uff0c\u8981\u6c42\u67d0\u4e9b\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u55ae\u6db5\u84cb\u8207COVID-19\u76f8\u95dc\u7684\u5c0f\u4f01\u696d\u7d22\u8ce0\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5404\u5dde\u7acb\u6cd5\u5c0d COVID-19 \u7684\u61c9\u5c0d\u63aa\u65bd<\/h3>\n\n<p>\u6bcf\u9805\u6cd5\u6848\u5728\u89e3\u6c7a\u554f\u984c\u7684\u65b9\u5f0f\u4e0a\u90fd\u6709\u6240\u4e0d\u540c\u3002\n\u7136\u800c\uff0c\u5927\u591a\u6578\u6cd5\u6848\u90fd\u6db5\u84cb\u4e86\u5e7e\u500b\u95dc\u9375\u9ede\u3002 <\/p>\n\n<p>\u9996\u5148\uff0c\u5927\u591a\u6578\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7acb\u6cd5\u90fd\u9650\u5236\u4e86\u627f\u4fdd\u7bc4\u570d\u9069\u7528\u7684\u96c7\u4e3b\uff0c <a href=\"https:\/\/www.venable.com\/insights\/publications\/2020\/04\/states-begin-to-introduce-legislation-business\" target=\"_blank\" rel=\"noreferrer noopener\">Jessie F. Beeber<\/a> \u548c\u5f8b\u5e2b\u4e8b\u52d9\u6240 Venable \u7684\u5176\u4ed6\u4f5c\u8005\u5beb\u9053\u3002\n\u9019\u4e9b\u9650\u5236\u57fa\u65bc\u54e1\u5de5\u6578\u91cf\u3002\n\u4f8b\u5982\uff0c\u8def\u6613\u58eb\u5b89\u90a3\u5dde\u3001\u65b0\u6fa4\u897f\u5dde\u3001\u5bc6\u6b47\u6839\u5dde\u548c\u4fc4\u4ea5\u4fc4\u5dde\u7684\u6cd5\u6848\u50c5\u9069\u7528\u65bc\u5168\u8077\u54e1\u5de5\u4eba\u6578\u5c11\u65bc100\u4eba\u7684\u88ab\u4fdd\u96aa\u4eba\u3002\n\u99ac\u85a9\u8af8\u585e\u5dde\u3001\u5357\u5361\u7f85\u4f86\u7d0d\u5dde\u548c\u7f85\u5fb7\u5cf6\u5dde\u7684\u6cd5\u6848\u5c07\u4e0a\u9650\u8a2d\u5b9a\u70ba150\u540d\u5168\u8077\u54e1\u5de5\uff0c\u800c\u7d10\u7d04\u5dde\u5c07\u4e0a\u9650\u8a2d\u5b9a\u70ba250\u540d\u3002   <\/p>\n\n<p>\u6b64\u5916\uff0c\u4e00\u4e9b\u6cd5\u6848\u5c0b\u6c42\u8ffd\u6eaf\u9069\u7528\u4fdd\u96aa\uff0c\u901a\u5e38\u8ffd\u6eaf\u5230 2020 \u5e74 3 \u6708\u521d\u6216\u4e2d\u65ec\u7684\u67d0\u500b\u65e5\u671f\u3002\nSchiff Hardin \u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-states-attempt-to-shift-economic-burden-to-insurance-industry-new\" target=\"_blank\" rel=\"noreferrer noopener\">Jasmine Dela Luna\u3001Everett J. Cygal\u3001David Pi \u548c Daniel J. Schufreider<\/a> \u5beb\u9053\uff0c\u4e03\u500b\u5dde\u5728 2020 \u5e74 3 \u6708\u548c 4 \u6708\u63d0\u51fa\u4e86\u6cd5\u6848\uff0c\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u8ffd\u6eaf\u627f\u4fdd\u8207\u5927\u6d41\u884c\u76f8\u95dc\u7684\u696d\u52d9\u4e2d\u65b7\u7d22\u8ce0\u3002 <\/p>\n\n<p>Murtha Cullina \u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u5408\u5925\u4eba <a href=\"https:\/\/www.jdsupra.com\/legalnews\/proposed-legislation-related-to-63951\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marlyn Fagelson \u548c Rachel Snow Kindseth<\/a> \u5beb\u9053\uff0c\u76ee\u524d\u6b63\u5728\u8003\u616e\u7684\u6cd5\u6848\u4e2d\uff0c\u6709\u5c11\u6578\u70ba\u4fdd\u96aa\u516c\u53f8\u6216\u88ab\u4fdd\u96aa\u4eba\u63d0\u4f9b\u4e86\u4efb\u4f55\u5f62\u5f0f\u7684\u984d\u5916\u8cc7\u91d1\u3002\n\u8cd3\u5915\u6cd5\u5c3c\u4e9e\u5dde\u7acb\u6cd5\u6a5f\u69cb\u63d0\u51fa\u4e86\u4e00\u9805\u55ae\u7368\u7684\u6cd5\u6848\uff0c\u70ba\u90a3\u4e9b\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u4e0d\u9069\u7528\u7684\u4f01\u696d\u63d0\u4f9b\u76f4\u63a5\u88dc\u52a9\u91d1\u3002\n\u540c\u6a23\uff0c\u53ea\u6709\u5c11\u6578\u63d0\u51fa\u7684\u6cd5\u6848\u6d89\u53ca\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7684\u7269\u7406\u640d\u58de\u8981\u6c42\u3002\n\u5728\u99ac\u85a9\u8af8\u585e\u5dde\u3001\u7d10\u7d04\u5dde\u548c\u5357\u5361\u7f85\u4f86\u7d0d\u5dde\uff0c\u64ec\u8b70\u7684\u7acb\u6cd5\u5c07\u7981\u6b62\u4fdd\u96aa\u516c\u53f8\u4ee5\u5927\u6d41\u884c\u6c92\u6709\u5c0d\u88ab\u4fdd\u96aa\u4eba\u7684\u8ca1\u7522\u9020\u6210\u7269\u7406\u640d\u5bb3\u70ba\u7531\u62d2\u7d55\u7d22\u8ce0\u3002   <\/p>\n\n<h3 class=\"wp-block-heading\">\u89e3\u6c7a\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7684\u806f\u90a6\u63aa\u65bd<\/h3>\n\n<p>\u570b\u6703\u9084\u63a1\u53d6\u63aa\u65bd\u89e3\u6c7a COVID-19 \u696d\u52d9\u4e2d\u65b7\u6cd5\u5f8b\u548c\u6cd5\u6848\u7684\u62fc\u6e4a\u554f\u984c\u3002\n\u570b\u6703\u7814\u7a76\u670d\u52d9\u8655 \uff08Congressional Research Service\uff09 \u7684\u4e00\u4efd <a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/IN\/IN11383\" target=\"_blank\" rel=\"noreferrer noopener\">\u5831\u544a<\/a> \u5217\u51fa\u4e86\u7b2c 116 \u5c46\u570b\u6703\u7684\u5169\u9805\u6cd5\u6848\uff0c\u65e8\u5728\u64f4\u5927\u696d\u52d9\u4e2d\u65b7\u7684\u8986\u84cb\u7bc4\u570d\uff0c\u4e26\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u70ba\u672a\u4f86 COVID-19 \u5927\u6d41\u884c\u7b49\u4e8b\u4ef6\u63d0\u4f9b\u53ef\u9078\u4fdd\u96aa\u3002 <\/p>\n\n<p>HR 6494 \u5305\u542b\u7684\u689d\u6b3e\u4e0d\u50c5\u9069\u7528\u65bc\u5927\u6d41\u884c\uff0c\u4e5f\u9069\u7528\u65bc\u8207\u91ce\u706b\u76f8\u95dc\u7684\u696d\u52d9\u4e2d\u65b7\uff0c\u4f46\u4e0d\u6703\u640d\u5bb3\u4f01\u696d\u672c\u8eab\u3002\n\u8afe\u9813\u00b7\u7f85\u65af\u00b7\u5bcc\u5e03\u8cf4\u7279\uff08Norton Rose Fulbright\uff09\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684 <a href=\"https:\/\/www.nortonrosefulbright.com\/en\/knowledge\/publications\/c1f4ba93\/us-a-state-by-state-federal-guide-to-covid-19\" target=\"_blank\" rel=\"noreferrer noopener\">\u827e\u8389\u68ee\u00b7\u53e4\u5fb7\u66fc\u00b7\u6208\u723e\u5fb7\uff08Allison Goodman Gold\uff09\u3001\u55ac\u4f0a\u00b7\u862d\u798f\u5fb7\uff08Joy Langford\uff09\u548c\u9081\u514b\u723e\u00b7\u65af\u5766\u591a\u592b\uff08Michael C. Steindorf<\/a> \uff09\u5beb\u9053\uff0c\u8a72\u6cd5\u6848\u5c07\u8981\u6c42\u63d0\u4f9b\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7684\u4fdd\u96aa\u516c\u53f8\u70ba\u56e0\u75c5\u6bd2\u5927\u6d41\u884c\u3001\u5f37\u5236\u4f01\u696d\u95dc\u9589\u3001\u5f37\u5236\u758f\u6563\u548c\u51fa\u65bc\u516c\u5171\u5b89\u5168\u76ee\u7684\u800c\u505c\u96fb\u9020\u6210\u7684\u640d\u5931\u63d0\u4f9b\u6b64\u985e\u4fdd\u96aa\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-a-contract-1024x682.jpg\" alt=\"\" class=\"wp-image-9077\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u6cd5\u9662\u5224\u6c7a\u53ca\u5176\u5c0d\u4fdd\u96aa\u516c\u53f8\u7684\u5f71\u97ff<\/h2>\n\n<p>\u6700\u521d\u5617\u8a66\u5728\u6cd5\u9662\u7406\u6e05\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7d22\u8ce0\u7684\u7d50\u679c\u662f\u6709\u5229\u65bc\u4fdd\u96aa\u516c\u53f8\u7684\u3002\n\u7136\u800c\uff0c\u96a8\u8457\u6848\u4ef6\u7684\u5be9\u7406\u548c\u88c1\u6c7a\u4e0d\u65b7\uff0c\u4e0d\u540c\u7684\u53f8\u6cd5\u7ba1\u8f44\u5340\u6b63\u5728\u5f97\u51fa\u4e0d\u540c\u7684\u7d50\u679c\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u6709\u5229\u65bc\u4fdd\u96aa\u516c\u53f8\u7684\u6848\u4f8b<\/h3>\n\n<p>2020 \u5e74 10 \u6708\u521d\uff0c\u7f8e\u570b\u55ac\u6cbb\u4e9e\u5dde\u5317\u5340\u806f\u90a6\u5730\u5340\u6cd5\u9662\u767c\u8868\u4e86\u4e00\u4efd <a href=\"https:\/\/www.americanbar.org\/groups\/litigation\/committees\/real-estate-condemnation-trust\/articles\/2020\/covid-19-business-interruption-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u610f\u898b\u66f8<\/a> \uff0c\u99c1\u56de\u4e86\u201c\u6709\u5f62\u640d\u5931\u6216\u640d\u5bb3\u201d\u4e00\u8a5e\u4e2d\u201c\u640d\u5931\u201d\u5fc5\u9808\u8207\u201c\u640d\u5bb3\u201d\u5177\u6709\u4e0d\u540c\u542b\u7fa9\u7684\u8ad6\u9ede\u3002\n\u5728\u6b64\u904e\u7a0b\u4e2d\uff0c\u55ac\u6cbb\u4e9e\u5dde\u5317\u5340\u806f\u90a6\u6cd5\u9662\u52a0\u5165\u4e86\u81f3\u5c11\u53e6\u4e00\u500b\u806f\u90a6\u6cd5\u9662\uff0c\u5373\u4f5b\u7f85\u91cc\u9054\u5dde\u4e2d\u5340\u6cd5\u9662\uff0c\u8a72\u6cd5\u9662\u89e3\u6c7a\u4e86\u4e00\u8d77\u6709\u5229\u65bc\u4fdd\u96aa\u516c\u53f8\u7684\u6848\u4ef6\u3002\n\u7136\u800c\uff0c\u4e26\u975e\u6240\u6709\u806f\u90a6\u6cd5\u9662\u90fd\u505a\u51fa\u4e86\u6709\u5229\u65bc\u4fdd\u96aa\u516c\u53f8\u7684\u88c1\u6c7a\uff0c\u9019\u5728\u806f\u90a6\u5730\u5340\u6cd5\u9662\u4e4b\u9593\u9020\u6210\u4e86\u5206\u6b67\uff0c\u53ef\u80fd\u9700\u8981\u5728\u806f\u90a6\u4e0a\u8a34\u6cd5\u9662\u6216\u7f8e\u570b\u6700\u9ad8\u6cd5\u9662\u89e3\u6c7a\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u6709\u5229\u65bc\u6295\u4fdd\u4eba\u7684\u6848\u4f8b<\/h3>\n\n<p>\u65e9\u671f\u7684\u6848\u4ef6\u5224\u6c7a\u6709\u5229\u65bc\u4fdd\u96aa\u516c\u53f8\u3002\n\u7136\u800c\uff0c\u8fc4\u4eca\u70ba\u6b62\uff0c\u81f3\u5c11\u6709\u5169\u500b\u5dde\u6cd5\u9662\u88c1\u5b9a\u88ab\u4fdd\u96aa\u4eba\u70ba COVID-19 \u76f8\u95dc\u7d22\u8ce0\u5c0b\u6c42\u696d\u52d9\u4e2d\u65b7\u3002 <\/p>\n\n<p>\u5728 North State Deli LLC et al. v.\u5317\u5361\u7f85\u4f86\u7d0d\u5dde\u6cd5\u9662 Cincinnati Insurance Co. et al. \u5c0d\u88ab\u4fdd\u96aa\u9910\u5ef3 <a href=\"https:\/\/www.claimsjournal.com\/app\/uploads\/2020\/10\/NorthStateDeliruling.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u4f5c\u51fa<\/a> \u4e86\u90e8\u5206\u7c21\u6613\u5224\u6c7a\u3002\nWomble Bond Dickinson \u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-shutdowns-related-litigation-put-pressure-business-interruption-insurers\" target=\"_blank\" rel=\"noreferrer noopener\">Rachel E. Keen \u548c Jonathan Reid Reich<\/a> \u5beb\u9053\uff0c\u5728\u8a72\u6848\u4e2d\uff0c\u6cd5\u9662\u767c\u73fe\uff0c\u8a72\u6848\u6d89\u53ca\u7684\u4fdd\u96aa\u55ae\u4e26\u4e0d\u8981\u6c42\u5c07\u5efa\u7bc9\u7269\u7684\u7269\u7406\u640d\u58de\u4f5c\u70ba\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7684\u689d\u4ef6\u3002 <\/p>\n\n<p>\u5728 Optical Services USA\/JCI \u8a34 Franklin Mutual Ins.\nCo. \u4e00\u6848\u4e2d\uff0c\u88ab\u4fdd\u96aa\u4eba\u8faf\u7a31\uff0c\u7576\u65b0\u6fa4\u897f\u5dde\u5dde\u9577\u83f2\u723e\u00b7\u58a8\u83f2 \uff08Phil Murphy\uff09 \u767c\u4f48\u884c\u653f\u547d\u4ee4\u95dc\u9589\u50cf\u539f\u544a\u696d\u52d9\u9019\u6a23\u7684\u975e\u5fc5\u8981\u96f6\u552e\u5834\u6240\u6642\uff0c\u5b83\u5931\u53bb\u4e86\u6536\u5165\u3002\n\u7136\u800c\uff0c\u4fdd\u96aa\u516c\u53f8\u4ee5\u6c92\u6709\u767c\u751f\u76f4\u63a5\u7684\u7269\u7406\u640d\u5931\u6216\u7269\u7406\u640d\u5bb3\u70ba\u7531\uff0c\u62d2\u7d55\u4e86\u539f\u544a\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7d22\u8ce0\uff0c\u5b89 <a href=\"https:\/\/www.jdsupra.com\/legalnews\/new-jersey-court-refuses-to-dismiss-15954\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6771\u5c3c\u00b7\u5df4\u7279\u723e<\/a> \u548c\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u4f5c\u8005\u5728\u9ea5\u5361\u7279&amp;\u82f1\u8a9e\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u5176\u4ed6\u4f5c\u8005\u5beb\u9053\u3002  <\/p>\n\n<p>\u7136\u800c\uff0c\u6cd5\u9662\u99c1\u56de\u4e86\u4fdd\u96aa\u516c\u53f8\u7684\u99c1\u56de\u52d5\u8b70\u3002\n\u6cd5\u9662 <a href=\"https:\/\/www.huntoninsurancerecoveryblog.com\/wp-content\/uploads\/sites\/27\/2020\/09\/Optical-Hearing-Transcript.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u6307\u51fa<\/a> \uff0c\u672c\u6848\u7684\u300c\u95dc\u9375\u554f\u984c\u300d\u662f\u61c9\u8a72\u5982\u4f55\u89e3\u91cb\u4fdd\u55ae\u8a9e\u8a00\uff0c\u4ee5\u53ca\u89e3\u91cb\u9078\u64c7\u5c07\u5982\u4f55\u5f71\u97ff\u8207\u5927\u6d41\u884c\u76f8\u95dc\u7684\u7d22\u8ce0\u7684\u627f\u4fdd\u7bc4\u570d\u3002 <\/p>\n\n<p>2020 \u5e74 8 \u6708\uff0c\u7576\u5bc6\u8607\u91cc\u5dde\u897f\u5340\u806f\u90a6\u5730\u5340\u6cd5\u9662 <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/studio-417-v-cincinnati-insurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u5728<\/a> Studio 417\uff0c Inc. v.\u8f9b\u8f9b\u90a3\u63d0 Ins.\n\u516c\u53f8\u3002\n\u5982\u679c\u5bc6\u8607\u91cc\u5dde\u897f\u5340\u6cd5\u9662\u505a\u51fa\u6709\u5229\u65bc\u88ab\u4fdd\u96aa\u4eba\u7684\u88c1\u6c7a\uff0c\u8a72\u88c1\u6c7a\u5c07\u8207\u5176\u4ed6\u806f\u90a6\u5730\u5340\u6cd5\u9662\u7684\u88c1\u6c7a\u80cc\u9053\u800c\u99b3\u3002\n\u70ba\u4e86\u89e3\u6c7a\u9019\u4e9b\u4e0d\u4e00\u81f4\u4e4b\u8655\uff0c\u53ef\u80fd\u9700\u8981\u4e0a\u8a34\u3002   <\/p>\n\n<h3 class=\"wp-block-heading\">\u6574\u5408 COVID-19 \u696d\u52d9\u4e2d\u65b7\u7d22\u8ce0<\/h3>\n\n<p>\u81f3\u5c11\u6709\u5169\u8d77\u6848\u4ef6\u8a66\u5716\u5c07\u5e7e\u8d77 COVID-19 \u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7d22\u8ce0\u5408\u4f75\u70ba\u4e00\u8d77\u8a34\u8a1f\u3002<\/p>\n\n<p>Andrew <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/10\/04\/585092.htm\" target=\"_blank\" rel=\"noreferrer noopener\">G. Simpson<\/a> \u5728\u300a\u4fdd\u96aa\u96dc\u8a8c\u300b\u4e0a\u5beb\u9053\uff0c\u5728 IN RE COVID-19 \u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u627f\u4fdd\u7bc4\u570d\u8a34\u8a1f\u4e2d\uff0c\u4e00\u7fa4\u88ab\u4fdd\u96aa\u4eba\u5411\u806f\u90a6\u8de8\u5730\u5340\u8a34\u8a1f\u53f8\u6cd5\u5c0f\u7d44 \uff08JPML\uff09 \u8acb\u9858\uff0c\u4ee5\u5408\u4f75\u91dd\u5c0d\u5e7e\u5bb6\u4e3b\u8981\u5168\u570b\u6027\u4fdd\u96aa\u516c\u53f8\u7684\u591a\u9805\u7d22\u8ce0\u3002<\/p>\n\n<p>\u7136\u800c\uff0cJPML <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/mdl-denial.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u62d2\u7d55<\/a> \u5408\u4f75\u9019\u4e9b\u6848\u4ef6\uff0c\u4e26\u6307\u51fa\u88ab\u4fdd\u96aa\u4eba\u63d0\u51fa\u7684\u554f\u984c\u201c\u53ea\u662f\u8868\u9762\u4e0a\u7684\u5171\u540c\u9ede\u201d\u3002\n\u4ed6\u5011\u9084\u6307\u51fa\uff0c\u9019\u4e9b\u6848\u4ef6\u4e0d\u6d89\u53ca\u55ae\u4e00\u7684\u5171\u540c\u88ab\u544a\uff0c\u56e0\u6b64\u6cd5\u9662\u5f88\u96e3\u505a\u51fa\u80fd\u5920\u5145\u5206\u4fdd\u8b77\u6240\u6709\u76f8\u95dc\u65b9\u6b0a\u76ca\u7684\u55ae\u4e00\u6c7a\u5b9a\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u8cd3\u5915\u6cd5\u5c3c\u4e9e\u5dde\u6cd5\u9662\u6279\u51c6\u4e86\u8f03\u5c0f\u7684\u5408\u4f75 <a href=\"https:\/\/www.law360.com\/articles\/1294832\/attachments\/0\" target=\"_blank\" rel=\"noreferrer noopener\">\u7d22\u8ce0<\/a> Erie Insurance Exchange Litigation_\uff0c_\u3002\n\u5728\u9019\u500b\u6848\u4ef6\u4e2d\uff0c\u6cd5\u9662\u5354\u8abf\u4e86\u5728\u8cd3\u5915\u6cd5\u5c3c\u4e9e\u5dde\u4e09\u500b\u7e23\u91dd\u5c0d\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8Erie Insurance Exchange\u7684\u56db\u8d77\u5f85\u5be9\u6848\u4ef6\uff0c <a href=\"https:\/\/www.cov.com\/en\/news-and-insights\/insights\/2020\/08\/developments-in-coronavirus-coverage-litigation-and-legislation\" target=\"_blank\" rel=\"noreferrer noopener\">\u8607\u73ca\u00b7\u67e5\u723e\u9813<\/a> \u548c\u79d1\u6587\u9813&amp;\u67cf\u9748\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u7814\u7a76\u54e1\u5beb\u9053\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-1024x682.jpg\" alt=\"\" class=\"wp-image-9067\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u96a8\u8457\u5927\u6d41\u884c\u7684\u6301\u7e8c\uff0c\u6703\u767c\u751f\u4ec0\u9ebc<\/h2>\n\n<p>\u6700\u7d42\uff0c\u7acb\u6cd5\u53ef\u80fd\u7121\u6cd5\u6709\u6548\u5730\u70ba\u4f01\u696d\u6216\u5176\u4fdd\u96aa\u516c\u53f8\u89e3\u6c7a COVID-19 \u554f\u984c\uff0cInsurance Journal \u4fdd\u96aa\u5b78\u9662\u4e3b\u4efb <a href=\"https:\/\/www.insurancejournal.com\/blogs\/academy-journal\/2020\/09\/23\/583809.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Patrick Wraight<\/a> \u5beb\u9053\u3002\n\u8fc4\u4eca\u70ba\u6b62\uff0c\u8a72\u9818\u57df\u7684\u5927\u591a\u6578\u7acb\u6cd5\u5617\u8a66\u90fd\u4f7f\u8986\u84cb\u7bc4\u570d\u554f\u984c\u66f4\u52a0\u8907\u96dc\u3002\nWraight \u8aaa\uff0c\u8a31\u591a\u4f3c\u4e4e\u662f\u70ba\u4e86\u5b89\u64ab\u56e0\u5927\u6d41\u884c\u800c\u906d\u53d7\u5546\u696d\u554f\u984c\u7684\u9078\u6c11\uff0c\u800c\u4e0d\u662f\u8a66\u5716\u5236\u5b9a\u826f\u597d\u7684\u4fdd\u96aa\u6cd5\u3002  <\/p>\n\n<p>\u5c0b\u6c42\u8ffd\u6eaf\u9069\u7528\u4fdd\u96aa\u7684\u6cd5\u6848\u69cb\u6210\u4e86\u7279\u5225\u7684\u6311\u6230\uff0cFoley &amp; Lardner\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684 <a href=\"https:\/\/www.jdsupra.com\/legalnews\/constitutional-challenges-to-proposed-77249\/\" target=\"_blank\" rel=\"noreferrer noopener\">Max Chester\u3001Andrew Meerkins\u548cKimberly Yelkin<\/a> \u5beb\u9053\u3002\n\u9019\u4e9b\u6cd5\u6848\u4e2d\u7684\u4efb\u4f55\u4e00\u9805\u4e00\u65e6\u6210\u70ba\u6cd5\u5f8b\uff0c\u201c\u90fd\u5c07\u8ffd\u6eaf\u6027\u5730\u7834\u58de\u79c1\u4eba\u5404\u65b9\u4e4b\u9593\u7684\u5408\u540c\u5b89\u6392\uff0c\u61b2\u6cd5\u6311\u6230\u80af\u5b9a\u6703\u96a8\u4e4b\u800c\u4f86\u3002 <\/p>\n\n<p>\u4ed6\u5011\u8aaa\uff0c\u9019\u4e9b\u6cd5\u6848\u4e5f\u53ef\u80fd\u5728\u5dde\u548c\u806f\u90a6\u5c64\u9762\u5f15\u767c\u61b2\u6cd5\u6311\u6230\u3002\n\u9019\u4e9b\u6311\u6230\u5305\u62ec\u6839\u64da\u7f8e\u570b\u61b2\u6cd5\u7684\u5fb5\u6536\u3001\u5408\u540c\u6216\u6b63\u7576\u7a0b\u5e8f\u689d\u6b3e\u4ee5\u53ca\u985e\u4f3c\u7684\u5dde\u61b2\u6cd5\u689d\u6b3e\u63d0\u51fa\u7684\u6311\u6230\u3002\n\u56e0\u6b64\uff0c\u89e3\u6c7a\u6709\u95dc\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7684 COVID-19 \u627f\u4fdd\u7bc4\u570d\u554f\u984c\u7684\u7acb\u6cd5\u5617\u8a66\u53ef\u80fd\u6703\u6210\u70ba\u7522\u751f\u66f4\u591a\u8a34\u8a1f\u7684\u539f\u56e0\u3002  <\/p>\n\n<p>\u201c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u5728\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u4e0b\u652f\u4ed8\u8207 COVID-19 \u76f8\u95dc\u7684\u640d\u5931\u201d\u9019\u500b\u554f\u984c\u6c92\u6709\u7c21\u55ae\u7684\u7b54\u6848\u3002\n\u76f8\u53cd\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u7fa9\u52d9\u53d6\u6c7a\u65bc\u4ed6\u5011\u958b\u5c55\u696d\u52d9\u7684\u5730\u65b9\u3001\u7acb\u6cd5\u548c\u6cd5\u9662\u8a66\u5716\u89e3\u6c7a\u9019\u500b\u554f\u984c\u7684\u72c0\u6cc1\u4ee5\u53ca\u4fdd\u55ae\u672c\u8eab\u7684\u63aa\u8fad\u3002\n\u6709\u95dc\u627f\u4fdd\u7bc4\u570d\u7684\u898f\u5247\u4e0d\u65b7\u767c\u5c55\u548c\u8b8a\u5316\uff0c\u9019\u7d66\u8a66\u5716\u6709\u6548\u61c9\u5c0d\u75ab\u60c5\u7684\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u984d\u5916\u7684\u6311\u6230\u3002  <\/p>\n\n<p><em>\u5716\u7247\u63d0\u4f9b\uff1aolegdudko\/\u00a9123RF.com\u3001Suwat Supachavinswad\/\u00a9123RF.com\u3001Jean-Paul\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u89e3\u6c7a COVID-19 \u5371\u6a5f\u7684\u65e9\u671f\u5617\u8a66\u5c0e\u81f4\u5404\u5dde\u7acb\u6cd5\u6c7a\u5b9a\u62fc\u6e4a\u5728\u4e00\u8d77\u3002 \u9019\u4e9b\u52aa\u529b\u5305\u62ec\u5617\u8a66\u89e3\u6c7a\u56e0\u5927\u6d41\u884c\u800c\u88ab\u8feb\u95dc\u9589\u7684\u4f01 [&hellip;]<\/p>\n","protected":false},"featured_media":9089,"template":"","insight-category":[],"class_list":["post-19774","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/9089"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19774"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}