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汽车车险英文文献及翻译资料

作者:高考题库网
来源:https://www.bjmy2z.cn/gaokao
2020-11-05 05:33
tags:班车英文

引笔顺-矫情的反义词

2020年11月5日发(作者:蒲蛰龙)


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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204010,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
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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5 00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。
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精品文档 < br>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;
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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< br>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< br>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。














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Auto insurance

Auto 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 liability
2. Property damage liability
3. Medical payments or Personal Injury Protection
4. Collision
5. Comprehensive
6. UninsuredUnderinsured motorists coverage
Liability insurance
Liability 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 204010. 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’s
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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’s
If 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.
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Theft of cars is not as unusual as some people may think
. Medical payments, PIP, and no-fault coverage’s
Medical 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.
UninsuredUnderinsured motorist’s coverage
Uninsured 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 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
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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 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 andor 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 insurance
Standard Benefits
Standard 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 Extras
Available 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 property
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 liability protection
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 Life
2) Legal Assistance Plan
3) Breakdown Cover
4) Travel Accident Plan
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Some Key Benefits in a little More Detail

We’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 Helpline

When you’ve had an accident or loss calls our Claims Helpline. Speak to friendly
and efficient experts 24 hours a day
2) 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 car

3) 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 Repairs

Where 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.






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