汽車(chē)車(chē)險(xiǎn)英文文獻(xiàn)及翻譯資料

1、精品文檔精品文檔汽車(chē)保險(xiǎn)汽車(chē)保險(xiǎn)是在事故后保證自己的財(cái)產(chǎn)安全合同。盡管聯(lián)邦法律沒(méi)有強(qiáng)制要求，但是在大多數(shù)州（新罕布什和威斯康星州除外）都要求必須購(gòu)買(mǎi)汽車(chē)保險(xiǎn)；在各個(gè)州都有最低的保險(xiǎn)要求。 在鼻腔只購(gòu)買(mǎi)汽車(chē)保險(xiǎn)的兩個(gè)州， 如果沒(méi)有足夠的證據(jù)表明車(chē)主財(cái)力滿足財(cái)務(wù)責(zé)任法的要求， 那么他就必須買(mǎi)一份汽車(chē)保險(xiǎn)。 就算沒(méi)有法律規(guī)定， 買(mǎi)一份合適的汽車(chē)保險(xiǎn)對(duì)司機(jī)避免惹上官和承擔(dān)過(guò)多維修費(fèi)用來(lái)說(shuō)都是非常實(shí)用的。依據(jù)美國(guó)保險(xiǎn)咨詢(xún)中心的資料顯示，一份基本的保險(xiǎn)單應(yīng)由 6 個(gè)險(xiǎn)種組成。這其中有些是有州法律規(guī)定，有些是可以選擇的，具體如下：身體傷害責(zé)任險(xiǎn)財(cái)產(chǎn)損失責(zé)任險(xiǎn)醫(yī)療險(xiǎn)或個(gè)人傷害保護(hù)險(xiǎn)車(chē)輛碰撞險(xiǎn)綜合損失險(xiǎn)無(wú)保險(xiǎn)駕

2、駛?cè)嘶虮ｎ~不足駕駛?cè)穗U(xiǎn)責(zé)任保險(xiǎn)責(zé)任險(xiǎn)的投保險(xiǎn)額一般用三個(gè)數(shù)字表示。 不如， 你的保險(xiǎn)經(jīng)紀(jì)人說(shuō)你的保險(xiǎn)單責(zé)任限額是20/40/10， 這就代表每個(gè)人的人身傷害責(zé)任險(xiǎn)賠償限額是2 萬(wàn)美元，每起事故的熱身上海責(zé)任險(xiǎn)賠償限額是4 萬(wàn)美元， 每起事故的財(cái)產(chǎn)損失責(zé)任險(xiǎn)的賠償限額是1 萬(wàn)美元。人身傷害和財(cái)產(chǎn)損失責(zé)任險(xiǎn)是大多數(shù)汽車(chē)保險(xiǎn)單的基礎(chǔ)。 要求汽車(chē)保險(xiǎn)的每個(gè)州都強(qiáng)令必須投保財(cái)產(chǎn)損失責(zé)任險(xiǎn)， 佛羅里達(dá)是唯一要求汽車(chē)保險(xiǎn)但不要求投保人身傷害責(zé)任險(xiǎn)的州。 如果由于你的過(guò)錯(cuò)造成了事故， 你的責(zé)任險(xiǎn)會(huì)承擔(dān)人身傷害、 財(cái)產(chǎn)損失和法律規(guī)定的其他費(fèi)用。 人身傷害責(zé)任險(xiǎn)將賠償醫(yī)療費(fèi)和誤工工資； 財(cái)產(chǎn)損失責(zé)任險(xiǎn)將支付車(chē)輛的

3、維修及零件更換費(fèi)用。 財(cái)產(chǎn)損失責(zé)任險(xiǎn)通常承擔(dān)對(duì)其他車(chē)輛的維修費(fèi)用， 但是也可以對(duì)你的車(chē)撞壞的燈桿、 護(hù)欄、 建筑物等其他物品的損壞進(jìn)行賠償。另一方當(dāng)事人也可以決定起訴你賠償精神損失?？纯雌?chē)責(zé)任險(xiǎn)的最低投保要求， 你就會(huì)發(fā)現(xiàn)在你居住的地方哪些保險(xiǎn)是必須的。 記住， 如果你引起了一場(chǎng)嚴(yán)重的交通事故， 最低限度的保險(xiǎn)可能不足以支付你造成的損失。 因此最好在州要求的最低限度外再買(mǎi)一些保險(xiǎn)。 如果你已經(jīng)擁有了家庭或者擁有養(yǎng)老或存儲(chǔ)賬戶， 你應(yīng)該更多地考慮責(zé)任險(xiǎn)。 因?yàn)樵诖蠖鄶?shù)州，司機(jī)們都有權(quán)利去起訴肇事司機(jī)。 如果你被起訴了并且你投保的保額不足以彌補(bǔ)各類(lèi)損失，那么你有可能會(huì)成為眾矢之的，個(gè)人財(cái)政將陷入

4、麻煩。車(chē)輛碰撞險(xiǎn)和綜合損失險(xiǎn)如果投保人肇事， 車(chē)輛碰撞險(xiǎn)將支付你的車(chē)輛維修費(fèi)。 通常投保人得到的賠付不能超過(guò)車(chē)輛實(shí)際價(jià)值，這和車(chē)輛的更換費(fèi)用不同。車(chē)輛碰撞險(xiǎn)通常來(lái)說(shuō)是汽車(chē)保險(xiǎn)中最貴的險(xiǎn)種。 選擇一個(gè)較高的免賠額， 比如 500 或 1000 美元，就會(huì)使你的保險(xiǎn)費(fèi)下降。不過(guò)要記住，你必須承擔(dān)免賠額以?xún)?nèi)的部分，保險(xiǎn)公司只承擔(dān)超出免賠額的部分。更換費(fèi)用是重置車(chē)輛或用相同種類(lèi)和質(zhì)量的材料維修你的車(chē)，沒(méi)有折舊扣除。折舊是因使用年限或磨損等原因使汽車(chē)價(jià)值的減少。實(shí)際價(jià)值 是財(cái)產(chǎn)被損壞或毀壞是的實(shí)際價(jià)值。理賠人員通常會(huì)用重置成本減去折舊來(lái)確定車(chē)輛實(shí)際價(jià)值。保險(xiǎn)公司通常在維修費(fèi)用超過(guò)汽車(chē)價(jià)值一定比例的時(shí)候?qū)?/p>

5、車(chē)視作“車(chē)輛全損” 。這個(gè)比例高低因公司不同而異，從55%90%不等。綜合損失險(xiǎn)對(duì)非交通事故原因造成投保人車(chē)輛的損失進(jìn)行賠付：如偷盜，火災(zāi)，被故意破壞，自然災(zāi)害，或各種意外等。綜合損失險(xiǎn)同樣可以有免賠額，并在車(chē)輛毀傷時(shí)保險(xiǎn)公司僅按車(chē)輛價(jià)值賠付。正常情況下， 因?yàn)楸ｋU(xiǎn)公司的賠償額度不會(huì)超過(guò)汽車(chē)的賬面價(jià)值， 你最好對(duì)這個(gè)金額有個(gè)大致的了解。如果你車(chē)的價(jià)值還不如保費(fèi)額，還是不要投保的好。任何州都不會(huì)強(qiáng)制投保人購(gòu)買(mǎi)碰撞險(xiǎn)及綜合損失險(xiǎn)， 不過(guò)當(dāng)車(chē)主能夠負(fù)擔(dān)汽車(chē)費(fèi)用時(shí)， 貸方可能會(huì)在貸款協(xié)議中要求車(chē)主購(gòu)買(mǎi)碰撞及綜合險(xiǎn)。 即使沒(méi)有要求，碰撞及綜合險(xiǎn)也是保險(xiǎn)業(yè)大力推薦的險(xiǎn)種，以便在不可預(yù)知的毀壞或偷盜情況下，

6、車(chē)主可以避免重大損失。車(chē)輛偷盜現(xiàn)象很常見(jiàn)。醫(yī)療險(xiǎn)、個(gè)人上海保護(hù)險(xiǎn)和無(wú)過(guò)錯(cuò)險(xiǎn)醫(yī)療險(xiǎn)講對(duì)被保險(xiǎn)人及車(chē)上人員在事故后的醫(yī)療保險(xiǎn)費(fèi)用進(jìn)行賠付。 這些費(fèi)用可能由于投保人駕駛自己的車(chē)或別人的車(chē)是發(fā)生的事故， 或者被保險(xiǎn)人及其家庭成員在步行時(shí)收到的傷害。 無(wú)論過(guò)錯(cuò)在哪一方， 保險(xiǎn)公司都會(huì)進(jìn)行賠付， 但若責(zé)任由第三方造成，保險(xiǎn)公司可以對(duì)其進(jìn)行追償。個(gè)人傷害保護(hù)險(xiǎn)是醫(yī)療險(xiǎn)的一種延伸形式。 他用來(lái)支付與傷害有關(guān)的費(fèi)用但并非必須是醫(yī)療的，如喪失的工資收入，幼托、喪葬支出等。目前有16 各州要求購(gòu)買(mǎi)個(gè)人上海保護(hù)險(xiǎn)， 如果你已經(jīng)投保了一份不錯(cuò)的身體健康保險(xiǎn)的話， 幸運(yùn)的是你只需要買(mǎi)最低額度的醫(yī)療險(xiǎn)或個(gè)人傷害保護(hù)險(xiǎn)即可。

7、無(wú)保險(xiǎn)駕駛?cè)穗U(xiǎn)或保額不足駕駛?cè)穗U(xiǎn)無(wú)保險(xiǎn)駕駛?cè)穗U(xiǎn)在你被撞傷而肇事司機(jī)逃逸或被沒(méi)有投保汽車(chē)保險(xiǎn)的司機(jī)撞傷時(shí)進(jìn)行賠付。在有些州，這兩種險(xiǎn)也對(duì)財(cái)產(chǎn)損失進(jìn)行賠付。保額不足駕駛?cè)穗U(xiǎn) 肇事司機(jī)所投的責(zé)任保險(xiǎn)額不足一米不造成的損失時(shí)保險(xiǎn)公司進(jìn)行賠償。在有些州，這兩種險(xiǎn)也對(duì)財(cái)產(chǎn)損失進(jìn)行賠付。類(lèi)似地， 保額不足駕駛?cè)穗U(xiǎn)也會(huì)在你遭受一個(gè)保額不足的司機(jī)裝及時(shí)給與賠付。如果你是行人遭受撞擊，保額不足駕駛?cè)穗U(xiǎn)會(huì)支付這些費(fèi)用。附加條款汽車(chē)保險(xiǎn)有很多補(bǔ)充，即可作為單獨(dú)險(xiǎn)種，也可作為附加條款。租車(chē)補(bǔ)償條款 常見(jiàn)的附加條款，當(dāng)你的車(chē)損壞或丟失而不能使用時(shí)的租車(chē)費(fèi)用。拖車(chē)和人工條款 以防止車(chē)輛途中拋錨，亦很常見(jiàn)。差價(jià)補(bǔ)償條款若你的

8、新車(chē)全損，用來(lái)支付實(shí)際價(jià)值和汽車(chē)貸款余額之間的差額。每個(gè)州都要求車(chē)主購(gòu)買(mǎi)基本的汽車(chē)保險(xiǎn)。 在汽車(chē)的使用過(guò)程中， 要求隨車(chē)攜帶保險(xiǎn)證明。 在以下這些時(shí)候你可能要出示保險(xiǎn)證明： 汽車(chē)登記時(shí)， 發(fā)生事故時(shí)，還有駕駛過(guò)程中。 建議車(chē)主將保險(xiǎn)證明放到車(chē)上， 而不是帶在身上， 這樣不管歲駕駛，都可以隨時(shí)出示保險(xiǎn)證明。任何違反州法律中關(guān)于汽車(chē)保險(xiǎn)內(nèi)容的行為都會(huì)帶來(lái)一些后果， 輕則高額罰款， 重則吊銷(xiāo)駕照甚至入獄。 這些可怕的后果說(shuō)明購(gòu)買(mǎi)汽車(chē)保險(xiǎn)非常值得。 不投 保而又不被懲罰的可能性很小，一旦被發(fā)現(xiàn)將重罰。汽車(chē)保險(xiǎn)益處.基本保障基本保障包括：保證對(duì)車(chē)企及車(chē)體的終身維修，維修期間提供代步車(chē)， 24 小時(shí)熱線服

9、務(wù)電話，及時(shí)安排維修，晚間緊急情況下的住宿，對(duì)私人隨身物品、醫(yī)療費(fèi)用、車(chē)內(nèi)音頻視頻設(shè)備的損壞予以賠償， 24 小時(shí)擋風(fēng)玻璃的更換，維修熱線提供法律和醫(yī)療方面的建議及事故后咨詢(xún)。.附加保障附加保障包括：最大限度的無(wú)賠款優(yōu)待，法律幫助，旅行意外險(xiǎn)及拋錨險(xiǎn)，如在路邊，修車(chē)時(shí)或在家拋錨的情況下提供幫助。投保人選擇的險(xiǎn)種不同，保險(xiǎn)就有所不同。投保人可以按需要從下列險(xiǎn)種中選擇：第三者責(zé)任險(xiǎn)保險(xiǎn)公司對(duì)因被保險(xiǎn)人駕駛時(shí)的責(zé)任引起的三方人身傷害或財(cái)產(chǎn)損失負(fù)賠償責(zé)任。第三者火災(zāi)及盜搶險(xiǎn)除了上述第三方責(zé)任險(xiǎn)外保險(xiǎn)公司還對(duì)投保人車(chē)輛在事故中遭受的火災(zāi)及盜搶負(fù)賠償責(zé)任。綜合損失險(xiǎn)對(duì)被保險(xiǎn)人的車(chē)輛損失以及第三者的人身?yè)p害

10、和財(cái)產(chǎn)損失提供保障。投保人可以將下列內(nèi)容補(bǔ)充道一上車(chē)險(xiǎn)種：前一年度沒(méi)有索賠，保險(xiǎn)公司給與的最大限度的無(wú)賠款優(yōu)待；法律幫助計(jì)劃；拋錨險(xiǎn)；旅行意外險(xiǎn)。.部分主要益處解析上面簡(jiǎn)要介紹了保險(xiǎn)所提供的保障，下面我們分別詳細(xì)說(shuō)明。24 小時(shí)服務(wù)熱線當(dāng)投保人發(fā)生了事故或遭受了損失，可以隨時(shí)撥打保險(xiǎn)公司 24 小時(shí)服務(wù)熱線，向態(tài)度友好、處理高效的專(zhuān)家說(shuō)明。2）及時(shí)安排維修發(fā)生了保險(xiǎn)單中載明的事故之后， 投保人如果選擇保險(xiǎn)公司推薦的修理廠進(jìn)行維修的話， 保險(xiǎn)公司將會(huì)立刻通知該維修廠提供服務(wù)。 這些維修廠都是經(jīng)保險(xiǎn)公司嚴(yán)格檢查， 始終保持較高工作質(zhì)量， 經(jīng)他們維修過(guò)的車(chē)起火車(chē)身可以終身保修就是證據(jù)。3）關(guān)于熱線電

11、話給于的特別折扣及24 小時(shí)更換玻璃服務(wù)如果投保車(chē)輛的擋風(fēng)玻璃，車(chē)程幾天窗玻璃破損，被保險(xiǎn)人可以撥打 24 小時(shí)波利維修熱線。 如果投的是綜合損失險(xiǎn)， 所有維修都將免費(fèi)。 如果已經(jīng)無(wú)法維修的就只能更換， 超出部分費(fèi)用由投保人自己承當(dāng)。 超出的費(fèi)用已在投保人的投保單中注明， 如果投保人決定比進(jìn)行索賠或通過(guò)其他險(xiǎn)種索賠， 將會(huì)得到來(lái)自供應(yīng)商的額外折扣。4）車(chē)輛維修只要是再保險(xiǎn)責(zé)任內(nèi)車(chē)輛發(fā)生損壞事故， 保險(xiǎn)公司專(zhuān)門(mén)推薦的一些維修廠會(huì)集中并運(yùn)送投保人的車(chē)輛。 如果保單有相應(yīng)記載， 他們還將提供代步車(chē)給投保人使用。 車(chē)輛一到修理廠馬上開(kāi)始修理。 為了保證不影響被保險(xiǎn)人保單的效力， 汽修廠將會(huì)對(duì)車(chē)企和車(chē)身

12、進(jìn)行終身保修。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 pro

13、of 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

14、basic types of coverage. While some of these types of coverage are required by state law, some are considered optional. These are:Bodily injury liabilityProperty damage liabilityMedical payments or Personal Injury ProtectionCollisionComprehensiveUninsured/Underinsured motorists coverageLiability ins

15、uranceLiability 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

16、 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 mandatesthe purchase of property damage liability, and Florida is the

17、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

18、property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damagesto things such as lamp plus, fences, buildings, or anything sew that your car ma have struck. The other party also decide to sue you

19、to collect ” pain andsuffering ” dam.agesSee 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. Tha st why it s a good idea to buy more than what your state req

20、uires. 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 rseued and your liability insurance doesn t pay for all of the damages, your person

21、al finances are on the hook, and its 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 cant collect any more than the actual cash value of your car, which is not the same as the cars replacem

22、ent 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 a

23、n 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

24、 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 ” ycoaur rif the repair costs exceed a certain percentage of the ca sr worth. The critical damage point varies from compan

25、y 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 wil

26、l only pay as much as the car was worth when it got wrecked.Becauseinsurance companies normal will not pay you more than your coos 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.Nei

27、ther collision nor comprehensioninsurance 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

28、 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 s Medical payments (Med pay) coverage will pay for your and your passengers medi

29、cal expensesafter an accident. These expensescan arise form accidents while you rderiving 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, yo

30、ur 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

31、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 st

32、uck 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 pro

33、perty 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 avail

34、able, 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 p

35、ay 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 ma

36、y 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 a

37、vailable 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, suspensionof your driver s license and/or time in jail. The dire consequencesof driving while uninsured are not worth the neglect of paying for i

38、nsurance. 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 Immediat

39、e 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

40、 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 propertyT

41、hird 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 ca

42、use to others or their propertyYou may add the following optional extras to any of the above covers;Maximum No Claim Bonus for LifeLegal Assistance PlanBreakdown CoverTravel 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:24 Hour Claims HelplineWhen you ve haadn accident or loss calls our Claims Helpl