汽车车险英文文献及翻译
汽车保险英文版Motorinsurance
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汽车保险英文版Motorinsurance
o Please fill in the applicant form.
o The total premium is 1500 Yuan o It’s better for you to see the leaflet,
汽车保险英文版Motorinsurance
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2020/11/23
汽车保险英文版Motorinsurance
o Insurance agency
o agency [‘eidʒənsi] o An agency has been opened at the
following address. o 一个分销处已在下述地点开始营业。
汽车保险英文版Motorinsurance
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汽车保险英文版Motorinsurance
o 交强险：Compulsory Traffic Accident Liability Insurance
o 车辆损失险OD: Own Damage o 全车盗抢险: Theft & Robbery o 第三者责任险: TPL: Third Party Liability o 车上座位险: Passenger Liability
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汽车保险英文版Motorinsurance
o Premium [‘pri:miəm]
o They have to pay life insurance premiums.
o 他们要支付人寿保险费。
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汽车保险英文版Motorinsurance
车险auto insurance
type of coverage:
1、Liability insurance 2、Full Insurance
Liability coverage
Liability insurance covers up to its stated amount if accident caused harm to some other's body or property. The auto insurance company will cover the injured accordingly to your insurance policy. But if the driver is injured in the accident he will not get any coverage.
background:
auto insurance produced in the late nineteenth century, the first issue of the auto insurance occurred in 1895.The policy holder compensated for 10 to 100 pound car third party liability insurance at that time.
advice :
1、take a look at the status of auto insurance companies 2、Study the auto insurance policies to compare their rates before selecting a particular offer 3、read the small print on your policy.
汽车保险中英文对照外文翻译文献
汽车保险中英文对照外文翻译文献(文档含英文原文和中文翻译)汽车保险汽车保险是在事故后保证自己的财产安全合同。
尽管联邦法律没有强制要求，但是在大多数州（新罕布什和威斯康星州除外）都要求必须购买汽车保险；在各个州都有最低的保险要求。
在鼻腔只购买汽车保险的两个州，如果没有足够的证据表明车主财力满足财务责任法的要求，那么他就必须买一份汽车保险。
就算没有法律规定，买一份合适的汽车保险对司机避免惹上官和承担过多维修费用来说都是非常实用的。
依据美国保险咨询中心的资料显示，一份基本的保险单应由6个险种组成。
这其中有些是有州法律规定，有些是可以选择的，具体如下：1.身体伤害责任险2.财产损失责任险3.医疗险或个人伤害保护险4.车辆碰撞险5.综合损失险6.无保险驾驶人或保额不足驾驶人险责任保险责任险的投保险额一般用三个数字表示。
不如，你的保险经纪人说你的保险单责任限额是20/40/10，这就代表每个人的人身伤害责任险赔偿限额是2万美元，每起事故的热身上海责任险赔偿限额是4万美元，每起事故的财产损失责任险的赔偿限额是1万美元。
人身伤害和财产损失责任险是大多数汽车保险单的基础。
要求汽车保险的每个州都强令必须投保财产损失责任险，佛罗里达是唯一要求汽车保险但不要求投保人身伤害责任险的州。
如果由于你的过错造成了事故，你的责任险会承担人身伤害、财产损失和法律规定的其他费用。
人身伤害责任险将赔偿医疗费和误工工资；财产损失责任险将支付车辆的维修及零件更换费用。
财产损失责任险通常承担对其他车辆的维修费用，但是也可以对你的车撞坏的灯杆、护栏、建筑物等其他物品的损坏进行赔偿。
另一方当事人也可以决定起诉你赔偿精神损失。
看看汽车责任险的最低投保要求，你就会发现在你居住的地方哪些保险是必须的。
记住，如果你引起了一场严重的交通事故，最低限度的保险可能不足以支付你造成的损失。
因此最好在州要求的最低限度外再买一些保险。
如果你已经拥有了家庭或者拥有养老或存储账户，你应该更多地考虑责任险。
车险英语作文
车险英语作文IntroductionCar insurance, also known as auto insurance, is an agreement between the car owner and the insurance company that provides financial protection in case of accidents or vehicle damages. It is an essential aspect of owning and driving a car as accidents can happen anytime and anywhere. In this essay, we will discuss the importance of car insurance and its benefits.Body1. Understanding Car InsuranceCar insurance is a type of contract that provides coverage for various types of damages that can happen to a vehicle. It is designed to protect the car owner from financial loss in the event of an accident, theft, or natural disaster. The insurance company agrees to pay for the damages or losses, and in return, the car owner paysa premium.2. Types of Car InsuranceThere are different types of car insurance coverage available, depending on the needs and preferences of the car owner. Some common types include:•Liability Insurance: This type of insurance covers the damages caused to others in an accident for which the car owner is responsible. Itincludes both bodily injury and property damage liability coverage.•Collision Insurance: Collision insurance covers the damages to the insured vehicle in case of an accident, regardless of who is at fault.•Comprehensive Insurance: Comprehensive insurance provides coverage for damages that are not caused by a collision, such as theft,vandalism, or natural disasters.•Uninsured/Underinsured Motorist Coverage: This type of insurance protects the car owner if they are involved in an accident with adriver who does not have insurance or has insufficient coverage.3. Benefits of Car InsuranceCar insurance offers several benefits for both the car owner and society as a whole:•Financial Protection: Car insurance provides financial protection against unexpected expenses, such as repairing or replacing a damaged vehicle.It helps car owners avoid significant financial burdens that could otherwisecause financial instability.•Legal Compliance: In many countries, having car insurance is mandatory by law. It ensures that all drivers on the road are financiallyresponsible for any damages they may cause.•Peace of Mind: Knowing that you are protected against potential losses and damages gives car owners peace of mind while driving. It allowsthem to focus on the road without worrying about the financial consequences of an accident.•Third-Party Liability: Car insurance also protects car owners from legal liabilities in case they cause injuries or damages to others. The insurance company will cover the costs of the injured party, avoiding potential lawsuits and legal complications.4. Tips for Choosing Car InsuranceWhen selecting car insurance, it is essential to consider the following factors: •Coverage Options: Understand the different coverage options available and choose the ones that best suit your needs. Assess the risks you are exposed to and select coverage accordingly.•Premium Rates: Compare premium rates from different insurance providers and choose the one that offers the best value for your money.Consider factors such as deductibles, limits, and discounts.•Insurance Provider Reputation: Research the reputation and financial stability of the insurance company before making a decision. Readreviews and check their claim settlement records.•Policy Terms and Conditions: Carefully read and understand the terms and conditions of the policy before signing the contract. Pay attention to exclusions, limitations, and claim procedures.ConclusionCar insurance is crucial for car owners to protect themselves and their vehicles from potential financial losses. It provides coverage for damages caused to the insured vehicle, as well as damages caused to others. By understanding the types of coverage available and considering the tips for choosing car insurance, car owners can make informed decisions and ensure they have the necessary protection on the road.。
汽车英语汽车保险(auto insurance)
2
Section I Listening and Speaking
Task 1: Picture recognition Task 2: Listen and respond Task 3: Listen and judge Task 4: Listen and practice Task 5: Act out
B C D DB
6
Listen to the dialogues, fill in the missing information, and practice them with your partner.
Dialogue 1 Lisa: Good morning, you are Jack London, from New York? Jack: Yes. Good morning. Lisa: Please tell me something about your insurance _b_a_c_kg_r_o_u_n_d_. Jack: I majored in Auto _Te_c_h_n_o_l_o_g_y_ at college and I took many insurance courses. And I worked at an insurance company for my graduation ___fi_e_ld_____ work. Lisa: Why do you want to be an auto insurance ___a_g_e_n_t___? Jack: I am interested in auto industry and I know the importance of auto insurance. Lisa: Do you have any work experience in promotion? Jack: Yes, I do. I have worked as a _s_a_l_e_s_m_a_n__ for PICC. Lisa: Do people respond well to you? Jack: Yes, I am qualified for the position.
车险理赔文献翻译
2012届本科毕业设计（论文）文献翻译题目某公司车险理赔数据分析与研究学院商学院专业信息系统与信息管理班级信管081学号084770538姓名周小诗指导教师谢友才开题日期2011年11月6号文献一：Effects of Pay-As-You-Drive vehicle insuranceon young drivers’ speed choice1. IntroductionWorldwide, across all age groups road traffic accidents currently account for 1.27 millions deaths a year (World Health Organization, 2004). Furthermore, traffic accidents constitute the second leading cause of death among people in the age of 20 to 24 years, right after HIV/AIDS (Toroyan and Peden, 2007). Young drivers are strongly overrepresented in road accident statistics. In the Netherlands, young adults (aged 18–24) make up 8% of the driving population, but are involved in 22% of all severe traffic accidents. This means that per kilometer travelled, young adults in the Netherlands are 5.5 times as likely to be involved in a severe traffic accident as older adults (Schoon and Schreuders, 2003). The differences in accident involvement are often attributed to specific characteristics of young adults. For example young drivers, compared to older drivers, have been found to have a more positive attitude towards taking risks, display stronger motives for risky driving (Hatfield and Fernandes, 2009), and tend to drive at higher speeds (Boyce and Geller, 2002).Vehicle speed is commonly seen as the most important determinant of crash risk (Salusjärvi, 1981), and crash severity ( [Joksch, 1993] and [OECD/ECMT, 2006] ). Driving at higher speeds leaves less time to respond to unexpected events and increases stopping time, thus decreasing the possibility to avoid accidents (Aarts and van Schagen, 2006). So, reducing the driving speed of young adults, and in particular the amount of time spent above the speed limit, holds the potential of dramatically reducing accidents, and saving lives. The current study aimed to test whether a new type of car insurance (Pay-As-You-Drive vehicle insurance) is effective in reducing speed violations of young adults. Before explaining the study setup, we will discuss the (dis-)advantages of Pay-As-You-Drive vehicle insurance as compared to current road safety interventions.2. Method2.1. ParticipantsIn January 2007, we sent a letter with the request to fill out an online questionnaire on PAYD (duration 20 min) to approximately 6000 policyholders from five Dutch insurance companies (all policyholders were younger than 30 years). By filling out the questionnaire, participants were eligible to win a car navigation system. By July 2007, 706 policyholders had completed the online questionnaire. In the last part of the questionnaire, participants indicated whether they were interested in participating in a field experiment on PAYD. A substantial proportion of the people who filled out the questionnaire (n = 337) volunteered. However, becausenot all volunteers could be accommodated in the field experiment, a random selection of 228 people were eventually invited to participate.In the time between the participant selection and the installation and testing of the GPS device, some participants withdrew. Additionally, some participants were excluded from the analyses due to missing data (e.g. their GPS device did not work properly or was removed before the end of the experiment). By the end of the experiment (July 2008), we could establish the prevalence of speeding behavior throughout all phases of the experiment for 141 participants. The participants who dropped out (n = 87) did not differ in age, car size, income, gender, and intention to speed from the final set of participants (n= 141), but did report a somewhat lower yearly mileage. Self-reported mean yearly mileage of the final set of participants was 13,985 km, which is comparable to the 2007 Dutch average of 13,877 km (Centraal Bureau voor de Statistiek, 2009a). In July 2007, the mean age of participants was 24.4 years (SD = 2.2), and on average participants had possessed a driver's license for 4.5 years (SD = 2.4). Men (60%) were slightly overrepresented in the sample. The majority of participants worked fulltime (69.3%), and 30.7% were otherwise engaged (studying, part-time employment). Net monthly income levels were somewhat higher than the average income of Dutch young adults, with 25.7% of the sample earning less than 1000 Euros net per month, 46.2% earning between 1000 Euros to 1500 Euros net per month, 24.3% earning between 1500 and 2000 Euros net per month, and 3.7% earning more than 2000 Euros net per month (Centraal Bureau voor de Statistiek, 2009b).2.2. Design and procedureThe field experiment ran from November 2007 until June 2008. Prior to the start of the field experiment, participants’ cars were equipped with GPS devices. These GPS devices allowed for the monitoring of where participants were driving, what speed they were driving at and at what time, and how many kilometers they were travelling. Participants were randomly assigned to be either in incentive or control groups. The experiment comprised four phases, pre-measurement, intervention phase 1, intervention phase 2, and post-measurement, each phase lasting two months. During pre-measurement (November–December 2008) and post-measurement (May–June 2008), participants’ driving behavior was monitored, but had no financial consequences. During the intervention phases, participants in the incentive group could earn a reward for adapting their driving behavior (a discount on their insurance premium of maximally 50 Euros per month), and received feedback on their driving behavior. Participants in the control group did not receive an incentive and feedback. The intervention period was divided into two phases, each lasting two months (intervention phase 1: January–February 2008, intervention phase 2: April–May 2008). This setup allowed us to compare driving behavior during four phases of equal length in the analyses (pre-measurement, intervention phase 1, intervention phase 2, and post-measurement).The monthly 50 Euros discount was divided into three components: 30 Euros was designated as a reward for keeping the speed limit,1 15 Euros for reduced mileage, and 5 Euros for avoiding driving during weekend nighttime hours.2 So, the maximum discount participants could earn during the two intervention phases was 200 Euros. Based on loss aversion (Tversky and Kahneman, 1981), we reasoned that financial losses should have more impact on behavior than equivalent financial gains. So communicating the reward drivers are foregoing (losing) by drivingunsafely, may be a more effective frame than communicating the reward drivers are receiving (gaining) by driving safely. Accordingly, in the intervention phases, we used two ways to communicate how much of discount participants in the incentive group had earned. Participants in the gain framed incentive group (n = 50) were told that they started each month with 0 Euros, and could gain up to 50 Euros discount if they drove safely (which entailed keeping the speed limit, avoiding driving during on weekend nighttime hours, and reducing mileage). Conversely, participants in the loss framed incentive group (n = 50) were told that they started each month with 50 Euros discount, and could lose up to 50 Euros a month if they failed to drive safely.Participants in the incentive groups could track their performance during the intervention phases (from January to April 2008) by logging in to a personalized website (www.savedriver.nl). The website provided detailed feedback on speed violations, mileage, and nighttime driving, and showed, by default, how much discount the particular participant would receive at the end of the month if they continued the driving behavior of the previous week. Specifically, participants in the gain framed incentive group saw a graph that denoted how much discount they would gain, and participants in the loss framed incentive group saw a graph that denoted how much discount they would lose.Payments were made via bank transfer. The first of four monthly payments were made in March of 2008. Subsequent monthly payments were made in March, April and May 2008. A control group was used to assess the impact of extraneous variables on driving behavior. Right before the start of the first intervention period, participants in the control (n = 41) group were told that they would always receive the maximum discount of 200 Euros at the end of the experiment, irrespective of their driving behavior. They did not receive feedback on their driving behavior, and were paid 200 Euros during post-measurement.2.3. Data analysisDuring the field experiment, in-vehicle GPS devices logged X and Y coordinates every 100 m. On some occasions (e.g. in case of a loss of GPS signal, for instance due to driving through a tunnel), the GPS device logged on longer intervals (that is, less often than every 100 m). These observations (which amount to 23.4% of the total distance travelled) were removed from the analyses, as vehicle speed for these longer intervals could not be reliably determined. The occurrence of speed violations was established by matching vehicle location and vehicle speed to a map with local speed limits. Data was recorded on all types of roads, but analyses were limited to the most common road types in the Netherlands, with speed limits of 30, 50, 80, 100 and 120 km/h, respectively, and to observations for which local speed limit information was available (98.9%). Many Dutch roads tend to be congested around peak hours on weekday. During congestion, participants’ would have to deal with other vehicles ahead of them, which would prevent them from freely choosing their speed. This means that speed choice is more likely to be under volitional control during off-peak hours than during peak hours.3 Driving behavior recorded on peak hours (from 7 to 9 am and from 4 to 7 pm on weekdays) was therefore excluded from our analyses.The percentage of total distance travelled at 6% or more above the local speed limit (‘percentage of speeding’) was used as the main dependent variable in our analyses. Violations of less than 6% were excluded from this definition, based on the assumption that such violations are often non-volitional and therefore most likely not influenced by a financial incentive and feedback. Furthermore, small thresholds are quite common in speed enforcement. Dutch police, for instance, only issue speeding tickets at 80 km/h roads for violations of 7 km/h or more over the speed limit (Goldenbeld and van Schagen, 2005).For each of the four phases of the field experiment, the percentage of speeding was calculated based on the weekly distance travelled at a speed 6% over the speed limit across all five road types (30, 50, 80, 100 and 120 km/h). Percentage speeding of the five road types were weighted by distance, and averaged across road types. The resulting variable represents an indicator of volitional speeding across all road types, and was used as a dependent variable in our analysis of the effect of PAYD on overall speeding. During off-peak periods, local speed limits were violated by 6% or more during 19.1% of the distance travelled. This figure is in line with previous literature that used GPS devices to measure vehicle speeds (Hultkrantz and Lindberg, 2003). Because the variable percentage of speeding was not normally distributed the natural logarithm of the scores was used in the analyses.3.ConclusionsAs noted before, the awareness of being monitored may initially have reduced speeding, but, as time passed, this awareness faded, and speeding returned to its ‘natural’ level. As such, we reason that vehicle speeds during post-measurement are a better reflection of the speed at which participants would normally drive than speed levels during pre-measurement, where the GPS device had been recently installed and might have deterred participants from driving at their regular speedsFollowing this logic, the best possible estimation of the effect of PAYD on speeding might be reflected in the difference in speeding of the incentive group during the second intervention phase (March and April 2008) and after the incentive was taken away (post-measurement, May and June 2008). In other words, the financial incentive appears to have decreased the percentage of distance travelled during which drivers violated the speed limits by 6% or more from 20.5% to 17.6%. To put it differently, PAYD is estimated to have reduced volitional speeding by 14%, which roughly amounts to a reduction of 39.2 h per year for the average young driver.4 Although these numbers might not appear impressive, one should note that these numbers reflect reductions in actual speeding across all roads participants drove at. As such, the safety gains from PAYD could add significantly to those already made through the use of more conventional speed enforcement tools (e.g. speed cameras and mobile radars), especially as the effects of such tools on driving speed are typically limited to areas where enforcement is active. Also, small differences in driving speed are associated with large differences in crash risk (Elvik, 2006). A reduction of speeding by 5% may lead to as much as a 20% decrease of fatalities in road accidents (OECD/ECMT, 2006). Thus, we conclude that PAYD leads to modest, but relevant reductions in the driving speed of young adults, and thus may prove a valuable tool in reducing the crash risk of young drivers.翻译一：付费驱动车险理赔对年轻驾驶员车速选择的影响1.引言在世界范围内跨越所有年龄段的道路交通事故中，每年约有1.27百万人的死亡记录（世界卫生组织，2004年）。
关于车险的英语作文
关于车险的英语作文Car Insurance。
Car insurance is a type of insurance that provides financial protection against physical damage or bodilyinjury resulting from traffic collisions and againstliability that could also arise from incidents in a vehicle. It is a legal requirement in many countries to have car insurance before driving on public roads.There are several types of car insurance coverage available, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Liability coverage is the most basic and mandatory form of car insurance. It covers the costs associated with injuries or property damage to others in an accident that you are responsible for. Collision coverage, on the other hand, covers the costs of repairing orreplacing your own vehicle if it is damaged in a collision, regardless of who is at fault. Comprehensive coverageprovides protection against non-collision events, such as theft, vandalism, or natural disasters. Lastly,uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who does not have insurance or has insufficient insurance to cover your damages.Car insurance premiums are determined based on various factors, including the driver's age, driving record, type of vehicle, and location. Younger drivers and drivers with a history of accidents or traffic violations usually have higher premiums. The type of vehicle also affects the premium, as more expensive or high-performance cars are more costly to repair or replace. Additionally, the location where the car is primarily driven can impact the premium, as areas with higher rates of accidents or thefts may result in higher premiums.Car insurance is important because it provides financial protection in the event of an accident or other unexpected incidents. Without insurance, individuals would be responsible for paying for their own medical expensesand property damage, as well as any damages they cause to others. This can be financially devastating and may result in bankruptcy or other financial hardships.In conclusion, car insurance is a crucial aspect of responsible car ownership. It provides financial protection against accidents, injuries, and property damage. Understanding the different types of coverage available and selecting the appropriate coverage for your needs is essential. While car insurance premiums can be costly, the peace of mind and financial security it provides make it a worthwhile investment.。
汽车保险外文翻译
中文3175字Auto insuranceAuto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state has minimum insurance laws. If said owner cannot produce proof of satisfactory assets, the he must buy an auto insurance policy. Regardless of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.According to the Insurance Information Institute, a basic auto insurance policy is comprised of six basic types of coverage. While some of these types of coverage are required by state law, some are considered optional. These are:1. Bodily injury liability2. Property damage liability3. Medical payments or Personal Injury Protection4. Collision5. Comprehensive6. Uninsured/Underinsured motorists coverageLiability insuranceLiability coverage limits (that’s for the damage you do to others) are usually presented as a series of three numbers. For example, your agent might say that your policy carries liability limits of 20/40/10. That stands for $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and #10,000 in property-damage coverage per accident.Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Every state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only that requires auto insurance but does not call for bodily injury liability. If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lostwages; the property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp plus, fences, buildings, or anything sew that your car ma have struck. The other party also decide to sue you to collect”pain and suffering” damages. See the Minimum levels of required auto liability insurance to find out what’s required where you live. Remember, if you cause a serious accident, minimum insurance may not cover you adequately. That’s why it’s a good idea to buy more than what your state requires. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drives who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.Collision and comprehensive coverage’sIf you cause and accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of auto insurance. By choosing a higher deductible, say $500or $1, 000, you can keep your premium costs down... However, keep in mind that you most pay the amount of deductible before the insurance company kicks in any money after an accident.Replacement cost is the amount it would take to replace your vehicle or repair damages with materials of similar kind and quality, without deducting for depreciating. Depreciation is the decrease in vehicle value because of age or wear and tear.Actual cash value (ACV) is the value of your property when it is damaged or destroyed. Claims adjusters usually figure ACV by taking the replacement cost and subtracting depreciation. Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55percent to 90 percent.Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages form theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked. Because insurance companies normal will not pay you more than your coo’s book value, it’s helpful if you have a rough idea of this amount .If your car isworth less than what you’re paying fo r the coverage, you’re better off not having it. Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, nay require the purchase of collision and comprehensive in the loan agreement. Even when t is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think .Medical payments, PIP, and no-fault coverage’sMedicalpayments (Med pay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise form accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is a fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.Personal Injury Protection (PIP)coverage is an extended form of MedPay. Pip may cover expenses that are reacted to injury, but not necessarily medical, such as lost wages, childcare and funeralcosts. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or Med Pay insurance. Uninsured/Underinsured motorist’s coverageUninsured motorists (UM) coverage pays for your injuries of you’re stuck by ahit-and-run driver or someone who doesn’t have auto insurance. It is required in many states.Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. IN some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount. If you are hit, as a pedestrian, underinsured coverage will cover the expenses.Add-on features Several supplemental auto coverage is available, either as separate premium items or included in augmented policies.Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.Coverage for towing and labor charges in case of a broad breakdown is also common.Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident. Basic auto insurance is required by virtually every state. Proof of insurance is required at different items throughout the life of a vehicle. You may be asked for proof of insurance at any and al of these items: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keepsproof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving. Any violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver’s license and/or time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver wills detection is slim; he is likely being caught and strictly punished.The benefits with auto insuranceStandard BenefitsStandard benefits count in Lifetime guarantee on all paint and bodywork repairs, Courtesy car, 24-hour Claims Helpline, and Immediate authorization of repairs, Emergency overnight accommodation, Cover for personaleffects, Cover for legal advice, medical advice and post-accident counseling.Available as Optional ExtrasAvailable as optionalextras count in Maximum No Claim Bonus for Life, Legal Assistance, Travel Accident Plan and Breakdown Cover such as roadside, recovery and home call. The benefits are different with the level of coverage you choose. You can select the cover that sits your knees, form: Third Party only-third party liability protection for injury or damage insured drivers may cause to others or theirproperty Third Party Fire and Theft-fire and theft cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property Comprehensive-loss or damage cover for your car and third party liabilityprotection for injury or damage insured drivers may cause to others or their property You may add the following optional extras to any of the above covers;1) Maximum No Claim Bonus for Life2) Legal Assistance Plan3) Breakdown Cover4) Travel Accident PlanSome Key Benefits in a little More DetailWe’ve outlined the range of benefits you can earn above. Now let us explain in alittle more detail just what some of those benefits mean to you:1) 24 Hour Claims Helpline When you’ve had an accident or loss calls our Claims Helpline. Speak to friendly and efficient experts 24 hours a day2) For Immediate Authorization of Repairs (Comprehensive Only) Following an accident covered by your policy, if you choose to have the repairs carried out by one of our Recommended Repairers, we can arrange for them to be authorized straight away. Or repairers are all thoroughly checked to make sure that their work is of a consistently high standard. Ad proof, all paint and bodywork repairs carried out by our repairers are guaranteed for the lifetime of the car3) Special Discount through the Glass Helpline And 24-hour Glass Replacement If you have our Comprehensive Cover, any repairs will be free of charge. If repairs aren’t possible then you’ll get a replacement but will have to pay the windscreen excess which is shown under’ Own Damage Excess’ in your schedule. If you decide not to claim, or have another type of cover, you will receive a special discount from our suppliers.4) Vehicle RepairsWhere your policy provides cover for damage to your vehicle, we have a network of Recommended Repairers who will collect and redeliver your vehicle. Where provided for under your policy, they will also provide a courtesy car to keep our mobile. The repair process will commence immediately the vehicle arrives on their premises. To ensure there is no effect on any existingwarranty you may have, they provide a Lifetime Guarantee on all paint and bodywork repairs.汽车保险汽车保险是在事故后保证自己的财产安全合同。
汽车保险论文
摘要越来越多的人通过投保汽车保险来保障自身的人身财产安全，然而一些投保人缺乏对汽车保险条例的认识，在出现事故时往往会遭到保险公司的拒赔，带来不必要的损失及事故纠纷。
本论文对保险条款中的拒赔条例进行详细解读，并对现实生活中的案件进行了详细分析。
关键词：缺乏认识；保险拒赔；拒赔条例AbstractMore and more people through the insurance auto insurance to protect the personal and property safety, however some of the insured automobile insurance regulations lack of understanding, in accidents tend to be subject to insurance company repudiation of claims, bring needless loss and accident disputes. The insurance clauses in China regulations detailed interpretation, and real life cases were analyzed in detail.Keywords：lack of awareness; insurance exclusions; twelve ordinance绪论近年来，我国已经开始进入汽车时代，随着汽车社会拥有量不断提高，各类车辆事故保险理赔量大幅增加，车辆维修以及保险理赔过程中发生的保险拒赔案件也呈上升趋势，并成为当前保险业发展的障碍。
在现实生活中经常发生一些车辆保险拒赔案件，给许多车辆保险投保人带来很多不必要的损失。
其中主要是由于当今社会的复杂性，保险公司为了避免不良分子利用汽车保险进行骗保，对于在现实生活中容易产生空挡的情况而颁布了许多特殊的条例，来保障公司利益。
关于汽车投保的作文英语
关于汽车投保的作文英语下载温馨提示:该文档是我店铺精心编制而成，希望大家下载以后，能够帮助大家解决实际的问题。
文档下载后可定制随意修改，请根据实际需要进行相应的调整和使用，谢谢!并且，本店铺为大家提供各种各样类型的实用资料，如教育随笔、日记赏析、句子摘抄、古诗大全、经典美文、话题作文、工作总结、词语解析、文案摘录、其他资料等等，如想了解不同资料格式和写法，敬请关注!Download tips: This document is carefully compiled by theeditor. I hope that after you download them,they can help yousolve practical problems. The document can be customized andmodified after downloading,please adjust and use it according toactual needs, thank you!In addition, our shop provides you with various types ofpractical materials,such as educational essays, diaryappreciation,sentence excerpts,ancient poems,classic articles,topic composition,work summary,word parsing,copyexcerpts,other materials and so on,want to know different data formats andwriting methods,please pay attention!When it comes to car insurance, there are a few things that we need to consider. Firstly, it is important to understand the coverage options available to us. There are different types of car insurance policies, such asliability insurance, collision insurance, and comprehensive insurance. Each of these policies covers different aspectsof car accidents or damages. It is crucial to choose the right coverage that suits our needs and budget.Another aspect to consider is the cost of car insurance. The cost varies depending on various factors, including the type of car, our driving history, and our location. It is always a good idea to shop around and compare quotes from different insurance companies to get the best deal. Additionally, we can also consider bundling our car insurance with other types of insurance, such as home insurance, to save money.When it comes to making a claim, it is important toknow the process and the steps involved. In the unfortunate event of a car accident or damage, we need to contact our insurance company as soon as possible. They will guide us through the claim process, which may involve providing documentation, such as police reports and photographs of the accident. It is crucial to provide accurate anddetailed information to ensure a smooth claim process.Maintaining a good driving record is also important when it comes to car insurance. Insurance companies often consider our driving history when determining the cost of our premiums. Therefore, it is essential to drive safely and avoid any traffic violations or accidents. This not only helps in keeping our insurance premiums low but also ensures our safety on the road.Lastly, it is important to review our car insurance policy regularly. Our needs may change over time, and it is crucial to ensure that our coverage still meets our requirements. We can contact our insurance company to discuss any changes or updates that need to be made to our policy.In conclusion, car insurance is an essential aspect of owning a car. It provides financial protection in case of accidents or damages. By understanding the coverage options, considering the cost, knowing the claim process,maintaining a good driving record, and reviewing our policy regularly, we can ensure that we have the right car insurance that suits our needs and budget.。
保险公司车险溯源治理方案范文
保险公司车险溯源治理方案范文【中英文版】英文文档内容：Title: Vehicle Insurance Traceability Governance Scheme Template for Insurance CompaniesIntroduction:Vehicle insurance traceability is a significant concern in the modern insurance industry, as data inaccuracies can severely impact insurance company management and the healthy, stable, and sustainable development of the insurance sector.This template outlines a comprehensive governance scheme for insurance companies to address these challenges effectively.1.Data Collection and Management:- Implement a centralized data collection system to ensure all vehicle insurance-related information is accurately recorded and easily accessible.- Establish clear data management policies and procedures to maintain data integrity and prevent data manipulation.2.Data Sharing and Collaboration:- Foster collaboration among insurance companies, government agencies, and other stakeholders to share relevant vehicle insurance data securely.- Develop a standardized data format to facilitate easy exchange andinteroperability between different systems.3.Data Analysis and Reporting:- Utilize advanced analytics tools to analyze vehicle insurance data and identify trends, patterns, and potential risks.- Regularly generate reports to monitor performance, detect anomalies, and support evidence-based decision-making.pliance and Regulatory Requirements:- Ensure compliance with relevant regulations and industry standards related to vehicle insurance traceability.- Implement internal controls and audit procedures to verify the accuracy and reliability of insurance data.5.Technology and Infrastructure:- Invest in robust IT infrastructure and technologies to support efficient data storage, processing, and retrieval.- Implement data encryption and access controls to protect sensitive vehicle insurance information from unauthorized access.6.Employee Training and Awareness:- Provide comprehensive training to employees on data governance, data privacy, and data security best practices.- Foster a culture of data-driven decision-making and accountability throughout the organization.Conclusion:By implementing this vehicle insurance traceability governance scheme, insurance companies can enhance their data management capabilities, ensure compliance with regulatory requirements, and improve overall operational efficiency.This will ultimately contribute to the sustainable development and reputation of the insurance industry.中文文档内容：标题：保险公司车险溯源治理方案范文引言：车险溯源问题是现代保险业发展中亟待解决的一个突出难题，数据的不准确性问题严重影响了保险公司的经营管理，对保险业的健康、稳定、持续发展构成了威胁。
外文翻译---汽车保险理赔
Automobile Insurance and ClaimIt is said that driving a car means taking on several risks to yourself and others.Insurance helps ensure your ability to cover the costs of potential damages,or losses.Introduction for the automobile insurance(1) Automobile insurance classification★V ehicle damage insuranceIf the insured or the eligible driver allowed to drive the vehicle cause the damage in using the vehicle by following reasons,the insurance company will pay for this damage:the damages caused by unexpected crash or roll-over,explosion,fire around the vehicle,collapse of the things out of vehicle,and fallowing things.Moreover,it also includes the damages caused by the nayural disasters as below:Lighting strike,storm,tornado,rainstorm,flood,ground sea,land collapse,ice collapse,cliff fall,hail disaster,debris flow,landslide,and the damage of the vehicle because of the boat carrying the vehicle damaged by the natural disaster.★The third party liability insuranceThe third-party liability insurance of motor vehicles is a kind of law system,which can effectively protect the benefit of the third party who is injured in the accidents.If the insured or the eligible driver allowed to use the car is at fault in an accident,the insurance company will pay for the death of or bodily injury and proper damage expenses caused to the third party in the accident.However,the insurer will not pay for the damage,if the insured have no liability(or is not at fault).★Motor vehicle accident liability compulsory insuranceThe insurer will pay for the death of or bodily injury and proper damage caused to the victim in an accident.Not like the third party liability insurance,buying this insurance is obligatory.And the insurer should pay for the damage no matter the insured has the liability or not.★Liability insurance for the people or proper on the vehicleIf there's an accident,the insurance will pay for the bodily injury of the people in the vehicle,the property damage of the goods in the vehicle,and the sue and labor charges.★The insurance for the stolen and robbed of the whole vehicleIf the whole vehic le is stolen or robbed,and has not been found for three month after the case is put on record and verified by the police criminal investigation,the insurance company would pay for it.★The additional equipment damage insuranceThe insurance company will pay for the direct damage for the additional equipment in an unexpected accident according to the actual damage.★The internal combustion damage insuranceCombustion damage caused by the trouble of vehicle circuits,lines,the fuel injection system,and by the vehicle itself,or the additional equipment of the vehicle,will be paid by insurance company.(2)Binding legal contractThe personal auto policy has five distinct parts as below.★DeclarationsIn this section,declarations should be prepared,and this declarations list all relevant information about the personal auto policy.★Insurance agreementThis section outlines exactly what the insurance company promises to provide in return for the payment of the premium.★DefinitionsEvery relevant term will be narrowly defined and written into the insurance agreement at this section.★ExclusionsWhat,when and who won't be covered by the policy will be known in this section.★ConditionsIt lists the duties and responsibilities as the insured in the event of a claim situation.The Effect of the Automobile InsuranceThe automobile insurance would be beneficial to develop automobile industry,and expend the demand of automobile.It will iron out both the worries of enterprises and individuals about the purchasing desire.Automobile insurance would also improve the safety property of automobile.Considering the self benefit and social benefit,the insurer will statistic and analyze the reason of the accident and research the new automobile safety technology with automobile manufacturer and automobile maintenance enterprise.All that will improve the safety property of automobile.Moreover,automobile insurance can stabilize the social public order and play an important role in property insurance.Automobile Insurance ClaimIf an automobile accident happened,firstly,the driver should contact the police and the insurance agent company directly to report the accident.And then a claims adjuster will be assigned to the driver.The driver should provide a complete,detailed accident report.The insurance company should definite the damage,estimate the reasonable charge,and definite the amount of compensation.When the insured make a claim for damages to automobile,the insurance company will decide whether to repair the vehicle or declare it a total loss.If the cost to repair the vehicle is higher than the fair market value of it,the company will declare it a total loss. Within three months after having prepared the vehicle or the traffic accident diagnosis,the insured should go to insurance company to get the compensation with the insurance policy,the accident adjusting document,the list of reparation and other relevant certifications.汽车保险理赔人人都说驾驶汽车就意味着对自己和他人要承担风险。
机动车辆保险合同中英文【精品合同范本】
机动车辆保险合同１．机动车辆保险单no.policy form of motor insurance 正本保险单号码：单位：元被保险人：the insured:(original) policy number: in yuang (rmb)本公司按照承保险别，依据本保险单中载明的机动车辆保险条款以及其它特别约定，承担被保险人下列机动车的保险责任。
in accordance with the insurance coverage, the motor insurance clause s and additional insurance as well as other specialagreement set forth in this policy, our company will insure the foll owing motor vehicle herunder for the insured.－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜｜｜｜｜｜车辆损失险ａ｜｜｜｜｜｜｜vehicle da mage insurance a｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－－－－－－－－｜｜｜｜发动机号｜｜吨｜｜序｜厂牌型号｜发动机号｜number ｜使用｜tonnag e ｜价值｜费率｜｜基本｜｜号｜model and ｜plate ｜of engine ｜性质｜－－－－｜insured value ｜premium ｜保险费｜保险费｜｜serial｜brand ｜number ｜－－－－－｜nature｜座位｜－－－－－－－｜rate ｜premium ｜basic ｜｜no. ｜｜｜车架号码｜of use｜seating ｜保险｜％｜｜premium ｜｜｜｜｜number of ｜｜capacity｜金额｜｜｜｜｜｜｜｜chassis ｜｜｜insured amount｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－｜－－－－－－－｜－－－－｜－－－－－｜－－－｜－－－－｜－－－－－－－｜－－－－｜－－－－｜－－－－｜｜合计｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－｜｜－－－－｜－－－－－－－｜｜｜｜｜tota｜｜｜｜｜｜｜－－－｜－－－－－－－｜－－－－｜－－－－－｜－－－｜－－－－｜－－－－－－－｜－－－－｜－－－－｜－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－｜｜－－－－｜－－－－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－｜－－－－－－－｜－－－－｜－－－－－｜－－－｜－－－－｜－－－－－－－｜－－－－｜－－－－｜－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－｜｜－－－－｜－－－－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－｜－－－－－－－｜－－－－｜－－－－－｜－－－｜－－－－｜－－－－－－－｜－－－－｜－－－－｜－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－｜｜－－－－｜－－－－－－－｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜车辆总数：辆｜保险费总计：人民币（大写）｜｜total no. of vehicles:｜rotal insured amount. rmb yuan (in capital letters) ｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜特别约定：｜｜special agreement:｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜第三者责任险ｂ｜｜third party liablity insurance b｜－－－－｜－－－－－－－－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜赔偿｜车上人员责任险d ｜保费｜限额｜passenger liability insurance d ｜小计｜liability limit ｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜premium ｜－－－－－－－－－－－－－－－－｜座位数｜每座限额｜限额小计｜subtotal｜保险费｜seating ｜liability limit per seat｜liability limit subtotal ｜｜premium ｜ca pacity｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜每座保费｜保费小计｜｜｜｜premium per seat ｜premium su btotal ｜－－－－｜－－－－－－－－－－－－－－－－｜－－－－｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－｜｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜－－－－｜－－－－－－－－－－－－－－－－｜－－－－｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－｜｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜－－－－｜－－－－－－－－－－－－－－－－｜－－－－｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－｜｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜－－－－｜－－－－－－－－－－－－－－－－｜－－－－｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－｜｜－－－－－－－－－－－－｜－－－－－－－－－－－－－｜｜｜｜｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－保险费总计：人民币（大写）rotal premium amount. rmb yuan(in capital letters)－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－保险期限(policy period)：个月自年月日零时起months from zero hours of----year----month----date至年月日二十四时止to 24 hours of--------year----month----date－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－行驶区域：中华人民共和国境内（不含港，澳，台地区）driving area: within the people"s fepublic of china (excluding hong k ong, macao, and taiwan)－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－敬告保户：warnin to the insured:１．收到本保险单后，请即核对，如有错误，立即通知本公司更正。
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汽车保险汽车保险是在事故后保证自己的财产安全合同。
尽管联邦法律没有强制要求，但是在大多数州（新罕布什和威斯康星州除外）都要求必须购买汽车保险；在各个州都有最低的保险要求。
在鼻腔只购买汽车保险的两个州，如果没有足够的证据表明车主财力满足财务责任法的要求，那么他就必须买一份汽车保险。
就算没有法律规定，买一份合适的汽车保险对司机避免惹上官和承担过多维修费用来说都是非常实用的。
依据美国保险咨询中心的资料显示，一份基本的保险单应由6个险种组成。
这其中有些是有州法律规定，有些是可以选择的，具体如下：1.身体伤害责任险2.财产损失责任险3.医疗险或个人伤害保护险4.车辆碰撞险5.综合损失险6.无保险驾驶人或保额不足驾驶人险责任保险责任险的投保险额一般用三个数字表示。
不如，你的保险经纪人说你的保险单责任限额是20/40/10，这就代表每个人的人身伤害责任险赔偿限额是2万美元，每起事故的热身上海责任险赔偿限额是4万美元，每起事故的财产损失责任险的赔偿限额是1万美元。
人身伤害和财产损失责任险是大多数汽车保险单的基础。
要求汽车保险的每个州都强令必须投保财产损失责任险，佛罗里达是唯一要求汽车保险但不要求投保人身伤害责任险的州。
如果由于你的过错造成了事故，你的责任险会承担人身伤害、财产损失和法律规定的其他费用。
人身伤害责任险将赔偿医疗费和误工工资；财产损失责任险将支付车辆的维修及零件更换费用。
财产损失责任险通常承担对其他车辆的维修费用，但是也可以对你的车撞坏的灯杆、护栏、建筑物等其他物品的损坏进行赔偿。
另一方当事人也可以决定起诉你赔偿精神损失。
看看汽车责任险的最低投保要求，你就会发现在你居住的地方哪些保险是必须的。
记住，如果你引起了一场严重的交通事故，最低限度的保险可能不足以支付你造成的损失。
因此最好在州要求的最低限度外再买一些保险。
如果你已经拥有了家庭或者拥有养老或存储账户，你应该更多地考虑责任险。
因为在大多数州，司机们都有权利去起诉肇事司机。
如果你被起诉了并且你投保的保额不足以弥补各类损失，那么你有可能会成为众矢之的，个人财政将陷入麻烦。
车辆碰撞险和综合损失险如果投保人肇事，车辆碰撞险将支付你的车辆维修费。
通常投保人得到的赔付不能超过车辆实际价值，这和车辆的更换费用不同。
车辆碰撞险通常来说是汽车保险中最贵的险种。
选择一个较高的免赔额，比如500或1000美元，就会使你的保险费下降。
不过要记住，你必须承担免赔额以内的部分，保险公司只承担超出免赔额的部分。
更换费用是重置车辆或用相同种类和质量的材料维修你的车，没有折旧扣除。
折旧是因使用年限或磨损等原因使汽车价值的减少。
实际价值是财产被损坏或毁坏是的实际价值。
理赔人员通常会用重置成本减去折旧来确定车辆实际价值。
保险公司通常在维修费用超过汽车价值一定比例的时候将车视作“车辆全损”。
这个比例高低因公司不同而异，从55%—90%不等。
综合损失险对非交通事故原因造成投保人车辆的损失进行赔付：如偷盗，火灾，被故意破坏，自然灾害，或各种意外等。
综合损失险同样可以有免赔额，并在车辆毁伤时保险公司仅按车辆价值赔付。
正常情况下，因为保险公司的赔偿额度不会超过汽车的账面价值，你最好对这个金额有个大致的了解。
如果你车的价值还不如保费额，还是不要投保的好。
任何州都不会强制投保人购买碰撞险及综合损失险，不过当车主能够负担汽车费用时，贷方可能会在贷款协议中要求车主购买碰撞及综合险。
即使没有要求，碰撞及综合险也是保险业大力推荐的险种，以便在不可预知的毁坏或偷盗情况下，车主可以避免重大损失。
车辆偷盗现象很常见。
医疗险、个人上海保护险和无过错险医疗险讲对被保险人及车上人员在事故后的医疗保险费用进行赔付。
这些费用可能由于投保人驾驶自己的车或别人的车是发生的事故，或者被保险人及其家庭成员在步行时收到的伤害。
无论过错在哪一方，保险公司都会进行赔付，但若责任由第三方造成，保险公司可以对其进行追偿。
个人伤害保护险是医疗险的一种延伸形式。
他用来支付与伤害有关的费用但并非必须是医疗的，如丧失的工资收入，幼托、丧葬支出等。
目前有16各州要求购买个人上海保护险，如果你已经投保了一份不错的身体健康保险的话，幸运的是你只需要买最低额度的医疗险或个人伤害保护险即可。
无保险驾驶人险或保额不足驾驶人险无保险驾驶人险在你被撞伤而肇事司机逃逸或被没有投保汽车保险的司机撞伤时进行赔付。
在有些州，这两种险也对财产损失进行赔付。
保额不足驾驶人险肇事司机所投的责任保险额不足一米不造成的损失时保险公司进行赔偿。
在有些州，这两种险也对财产损失进行赔付。
类似地，保额不足驾驶人险也会在你遭受一个保额不足的司机装及时给与赔付。
如果你是行人遭受撞击，保额不足驾驶人险会支付这些费用。
附加条款汽车保险有很多补充，即可作为单独险种，也可作为附加条款。
租车补偿条款常见的附加条款，当你的车损坏或丢失而不能使用时的租车费用。
拖车和人工条款以防止车辆途中抛锚，亦很常见。
差价补偿条款若你的新车全损，用来支付实际价值和汽车贷款余额之间的差额。
每个州都要求车主购买基本的汽车保险。
在汽车的使用过程中，要求随车携带保险证明。
在以下这些时候你可能要出示保险证明：汽车登记时，发生事故时，还有驾驶过程中。
建议车主将保险证明放到车上，而不是带在身上，这样不管岁驾驶，都可以随时出示保险证明。
任何违反州法律中关于汽车保险内容的行为都会带来一些后果，轻则高额罚款，重则吊销驾照甚至入狱。
这些可怕的后果说明购买汽车保险非常值得。
不投保而又不被惩罚的可能性很小，一旦被发现将重罚。
汽车保险益处1.基本保障基本保障包括：保证对车企及车体的终身维修，维修期间提供代步车，24小时热线服务电话，及时安排维修，晚间紧急情况下的住宿，对私人随身物品、医疗费用、车内音频视频设备的损坏予以赔偿，24小时挡风玻璃的更换，维修热线提供法律和医疗方面的建议及事故后咨询。
2.附加保障附加保障包括：最大限度的无赔款优待，法律帮助，旅行意外险及抛锚险，如在路边，修车时或在家抛锚的情况下提供帮助。
投保人选择的险种不同，保险就有所不同。
投保人可以按需要从下列险种中选择：第三者责任险——保险公司对因被保险人驾驶时的责任引起的三方人身伤害或财产损失负赔偿责任。
第三者火灾及盗抢险——除了上述第三方责任险外保险公司还对投保人车辆在事故中遭受的火灾及盗抢负赔偿责任。
综合损失险——对被保险人的车辆损失以及第三者的人身损害和财产损失提供保障。
投保人可以将下列内容补充道一上车险种：前一年度没有索赔，保险公司给与的最大限度的无赔款优待；法律帮助计划；抛锚险；旅行意外险。
3.部分主要益处解析上面简要介绍了保险所提供的保障，下面我们分别详细说明。
1）24小时服务热线当投保人发生了事故或遭受了损失，可以随时拨打保险公司24小时服务热线，向态度友好、处理高效的专家说明。
2）及时安排维修发生了保险单中载明的事故之后，投保人如果选择保险公司推荐的修理厂进行维修的话，保险公司将会立刻通知该维修厂提供服务。
这些维修厂都是经保险公司严格检查，始终保持较高工作质量，经他们维修过的车起火车身可以终身保修就是证据。
3）关于热线电话给于的特别折扣及24小时更换玻璃服务如果投保车辆的挡风玻璃，车程几天窗玻璃破损，被保险人可以拨打24小时波利维修热线。
如果投的是综合损失险，所有维修都将免费。
如果已经无法维修的就只能更换，超出部分费用由投保人自己承当。
超出的费用已在投保人的投保单中注明，如果投保人决定比进行索赔或通过其他险种索赔，将会得到来自供应商的额外折扣。
4）车辆维修只要是再保险责任内车辆发生损坏事故，保险公司专门推荐的一些维修厂会集中并运送投保人的车辆。
如果保单有相应记载，他们还将提供代步车给投保人使用。
车辆一到修理厂马上开始修理。
为了保证不影响被保险人保单的效力，汽修厂将会对车企和车身进行终身保修。
Auto insuranceAuto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state has minimum insurance laws. If said owner cannot produce proof of satisfactory assets, the he must buy an auto insurance policy. Regardless of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.According to the Insurance Information Institute, a basic auto insurance policy is comprised of six basic types of coverage. While some of these types of coverage are required by state law, some are considered optional. These are:1.Bodily injury liability2.Property damage liability3.Medical payments or Personal Injury Protection4.Collisionprehensive6.Uninsured/Underinsured motorists coverageLiability insuranceLiability coverage limits (that’s for the damage you do to others) are usually presented as a series of three numbers. For example, your agent might say that your policy carries liability limits of 20/40/10. That stands for $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and #10,000 in property-damage coverage per accident.Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Every state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only that requires auto insurance but does not call for bodily injury liability. If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp plus, fences, buildings, or anything sew that your car ma have struck. The other party also decide to sue you to collect” pain and suffering” damages.See the Minimum levels of required auto liability insurance to find out what’srequired where you live. Remember, if you cause a serious accident, minimum insurance may not cover you adequately. That’s why it’s a good idea to buy more than what your state requires. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drives who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.Collision and comprehensive coverage’sIf you cause and accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of auto insurance. By choosing a higher deductible, say $500or $1, 000, you can keep your premium costs down... However, keep in mind that you most pay the amount of deductible before the insurance company kicks in any money after an accident.Replacement cost is the amount it would take to replace your vehicle or repair damages with materials of similar kind and quality, without deducting for depreciating. Depreciation is the decrease in vehicle value because of age or wear and tear.Actual cash value (ACV) is the value of your property when it is damaged or destroyed. Claims adjusters usually figure ACV by taking the replacement cost and subtracting depreciation. Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages form theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.Because insurance companies normal will not pay you more than your coo’s book value, it’s helpful if you have a rough idea of this amount .If your car is worth less than what you’re paying for the coverage, you’re better off not having it.Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, nay require the purchase of collision and comprehensive in the loan agreement. Even when t is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills.Theft of cars is not as unusual as some people may think. Medical payments, PIP, and no-fault coverage’sMedical payments (Med pay) coverage will pay for your and your passengers’medical expenses after an accident. These expenses can arise form accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is a fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.Personal Injury Protection (PIP)coverage is an extended form of Med Pay. Pip may cover expenses that are reacted to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or Med Pay insurance.Uninsured/Underinsured motorist’s coverageUninsured motorists (UM) coverage pays for your injuries of you’re stuck by a hit-and-run driver or someone who doesn’t have auto insurance. It is required in many states.Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. IN some states, UM or UIM coverage will also pay for property damages.Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount. If you are hit, as a pedestrian, underinsured coverage will cover the expenses.Add-on featuresSeveral supplemental auto coverage is available, either as separate premium items or included in augmented policies.Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.Coverage for towing and labor charges in case of a broad breakdown is also common.Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.Basic auto insurance is required by virtually every state. Proof of insurance is requiredat different items throughout the life of a vehicle. You may be asked for proof of insurance at any and al of these items: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.Any violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver’s license and/or time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver wills detection is slim; he is likely being caught and strictly punished.The benefits with auto insuranceStandard BenefitsStandard benefits count in Lifetime guarantee on all paint and bodywork repairs, Courtesy car, 24-hour Claims Helpline, and Immediate authorization of repairs, Emergency overnight accommodation, Cover for personal effects, Cover for legal advice, medical advice and post-accident counseling.Available as Optional ExtrasAvailable as optional extras count in Maximum No Claim Bonus for Life, Legal Assistance, Travel Accident Plan and Breakdown Cover such as roadside, recovery and home call.The benefits are different with the level of coverage you choose.You can select the cover that sits your knees, form:Third Party only-third party liability protection for injury or damage insured drivers may cause to others or their propertyThird Party Fire and Theft-fire and theft cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property Comprehensive-loss or damage cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their propertyYou may add the following optional extras to any of the above covers;1) Maximum No Claim Bonus for Life2) Legal Assistance Plan3) Breakdown Cover4) Travel Accident PlanSome Key Benefits in a little More DetailWe’ve outlined the range of benefits you can earn above. Now let us explain in a little more detail just what some of those benefits mean to you:1) 24 Hour Claims HelplineWhen you’ve had an accident or loss calls our Claims Helpline. Speak to friendly and efficient experts 24 hours a day2) For Immediate Authorization of Repairs (Comprehensive Only)Following an accident covered by your policy, if you choose to have the repairs carried out by one of our Recommended Repairers, we can arrange for them to be authorized straight away. Or repairers are all thoroughly checked to make sure that their work is of a consistently high standard. Ad proof, all paint and bodywork repairs carried out by our repairers are guaranteed for the lifetime of the car3) Special Discount through the Glass Helpline And 24-hour Glass ReplacementIf you have our Comprehensive Cover, any repairs will be free of charge. If repairs aren’t possible then you’ll get a replacement but will have to pay the windscreen excess which is shown under’ Own Damage Excess’ in your schedule. If you decide not to claim, or have another type of cover, you will receive a special discount from our suppliers.4) Vehicle RepairsWhere your policy provides cover for damage to your vehicle, we have a network of Recommended Repairers who will collect and redeliver your vehicle. Where provided for under your policy, they will also provide a courtesy car to keep our mobile. The repair process will commence immediately the vehicle arrives on their premises. To ensure there is no effect on any existing warranty you may have, they provide a Lifetime Guarantee on all paint and bodywork repairs.。