外文翻譯---汽車(chē)保險(xiǎn)理賠

1、<p>　　Automobile Insurance and Claim</p><p>　　It 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 damag

2、es,or losses.</p><p>　　Introduction for the automobile insurance</p><p>　　(1) Automobile insurance classification</p><p>　　★ Vehicle damage insurance</p><p>　　If the in

3、sured 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,expl

4、osion,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

5、 sea,land collapse,ice collapse,cliff fall,hail dis</p><p>　　★ The third party liability insurance</p><p>　　The third-party liability insurance of motor vehicles is a kind of law system,which ca

6、n 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

7、 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).</p><p>　　★ Motor v

8、ehicle accident liability compulsory insurance</p><p>　　The 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 insuran

9、ce,buying this insurance is obligatory.And the insurer should pay for the damage no matter the insured has the liability or not.</p><p>　　★ Liability insurance for the people or proper on the vehicle</p&g

10、t;<p>　　If 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.</p><p>　　★ T

11、he insurance for the stolen and robbed of the whole vehicle</p><p>　　If the whole vehicle is stolen or robbed,and has not been found for three month after the case is put on record and verified by the police

12、 criminal investigation,the insurance company would pay for it.</p><p>　　★ The additional equipment damage insurance</p><p>　　The insurance company will pay for the direct damage for the additio

13、nal equipment in an unexpected accident according to the actual damage.</p><p>　　★ The internal combustion damage insurance</p><p>　　Combustion damage caused by the trouble of vehicle circuits,l

14、ines,the fuel injection system,and by the vehicle itself,or the additional equipment of the vehicle,will be paid by insurance company.</p><p>　　(2)Binding legal contract</p><p>　　The personal au

15、to policy has five distinct parts as below.</p><p>　　★ Declarations</p><p>　　In this section,declarations should be prepared,and this declarations list all relevant information about the persona

16、l auto policy.</p><p>　　★ Insurance agreement</p><p>　　This section outlines exactly what the insurance company promises to provide in return for the payment of the premium.</p><p>

17、　　★ Definitions</p><p>　　Every relevant term will be narrowly defined and written into the insurance agreement at this section.</p><p>　　★ Exclusions</p><p>　　What,when and who won&

18、#39;t be covered by the policy will be known in this section.</p><p>　　★ Conditions</p><p>　　It lists the duties and responsibilities as the insured in the event of a claim situation.</p>

19、<p>　　The Effect of the Automobile Insurance</p><p>　　The automobile insurance would be beneficial to develop automobile industry,and expend the demand of automobile.It will iron out both the worries o

20、f enterprises and individuals about the purchasing desire.</p><p>　　Automobile insurance would also improve the safety property of automobile.Considering the self benefit and social benefit,the insurer will

21、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 automobil

22、e.</p><p>　　Moreover,automobile insurance can stabilize the social public order and play an important role in property insurance.</p><p>　　Automobile Insurance Claim</p><p>　　If an

23、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 provid

24、e a complete,detailed accident report.</p><p>　　The insurance company should definite the damage,estimate the reasonable charge,and definite the amount of compensation.When the insured make a claim for damag

25、es 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

26、 loss.</p><p>　　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 accide

27、nt adjusting document,the list of reparation and other relevant certifications.</p><p><b>　　汽車(chē)保險(xiǎn)理賠</b></p><p>　　人人都說(shuō)駕駛汽車(chē)就意味著對(duì)自己和他人要承擔(dān)風(fēng)險(xiǎn)。汽車(chē)保險(xiǎn)對(duì)一切存在潛在損失、傷害的可能提供了保障。</p><p>

28、<b>　　汽車(chē)保險(xiǎn)簡(jiǎn)介</b></p><p><b>　　汽車(chē)保險(xiǎn)主要險(xiǎn)種</b></p><p><b>　　★ 車(chē)輛損失險(xiǎn)</b></p><p>　　被保險(xiǎn)人或其允許的合格駕駛員在使用參加保險(xiǎn)的車(chē)輛過(guò)程中，因?yàn)橐韵略蛟斐傻膿p 失，保險(xiǎn)公司負(fù)責(zé)賠償：保險(xiǎn)車(chē)輛發(fā)生意外碰撞、翻車(chē)、保險(xiǎn)車(chē)輛周?chē)?/p>

29、的火災(zāi)、爆炸、外界物體倒塌、以及物體墜落對(duì)車(chē)輛造成的損失。以下自然災(zāi)害對(duì)保險(xiǎn)車(chē)輛造成的損失：雷擊、暴風(fēng)、龍卷風(fēng)、暴雨、洪水、海嘯、地陷、冰陷、崖崩、雹災(zāi)、泥石流、滑坡、載運(yùn)保險(xiǎn)車(chē)輛的渡船遭受自然災(zāi)害對(duì)保險(xiǎn)車(chē)輛造成的損失。</p><p><b>　　★ 第三者責(zé)任險(xiǎn)</b></p><p>　　機(jī)動(dòng)車(chē)第三者責(zé)任保險(xiǎn)是一種能有效保護(hù)因交通事故而受害的第三者利益的法律制度

30、。被保險(xiǎn)人或其允許的合格駕駛員在使用過(guò)程中，發(fā)生交通意外事故，致使第三者遭受人身傷亡或財(cái)產(chǎn)損毀，保險(xiǎn)公司將負(fù)責(zé)賠償應(yīng)當(dāng)由被保險(xiǎn)人支付的賠償金額。但在被保險(xiǎn)人無(wú)責(zé)任（或無(wú)過(guò)錯(cuò)）的情況下，保險(xiǎn)公司不承擔(dān)賠償責(zé)任。</p><p>　　★ 機(jī)動(dòng)車(chē)交通事故責(zé)任強(qiáng)制保險(xiǎn)</p><p>　　保險(xiǎn)公司將負(fù)責(zé)賠付交通事故中受害人車(chē)上貨物的損失及人員傷亡。與第三者責(zé)任保險(xiǎn)不同，此險(xiǎn)種是強(qiáng)制購(gòu)買(mǎi)的。而且，無(wú)

31、論被保險(xiǎn)人是否有責(zé)任保險(xiǎn)公司都要進(jìn)行賠付。</p><p><b>　　★ 車(chē)上責(zé)任險(xiǎn)</b></p><p>　　保險(xiǎn)車(chē)輛發(fā)生意外事故，導(dǎo)致車(chē)上貨物的損失和車(chē)上人員的傷亡以及施救費(fèi)用，有保險(xiǎn)公司承擔(dān)賠償責(zé)任。</p><p><b>　　★ 全車(chē)盜搶險(xiǎn)</b></p><p>　　保險(xiǎn)車(chē)輛全車(chē)被盜

32、竊、被搶奪，經(jīng)縣級(jí)以上公安偵查部門(mén)立案核實(shí)，滿三個(gè)月未查明下落的，保險(xiǎn)公司負(fù)責(zé)賠償。</p><p><b>　　★ 新增設(shè)備損失險(xiǎn)</b></p><p>　　當(dāng)車(chē)輛發(fā)生意外事故造成車(chē)上的新增設(shè)備的直接損毀時(shí)，保險(xiǎn)公司按實(shí)際損失賠償。</p><p><b>　　★ 自燃損失險(xiǎn)</b></p><p&

33、gt;　　因本車(chē)電路、線路、供油系統(tǒng)發(fā)生故障及貨物本身原因起火燃燒，或者因車(chē)速新增設(shè)備原因起火造成的車(chē)輛損失，由保險(xiǎn)公司負(fù)責(zé)賠償。</p><p><b>　　保險(xiǎn)合同的定力</b></p><p>　　汽車(chē)保險(xiǎn)單分為以下五部分</p><p><b>　　★ 申報(bào)</b></p><p>　　在這

34、一部分中，需要準(zhǔn)備一份申報(bào)，而這份申報(bào)羅列了要投保汽車(chē)的所有相關(guān)信息。</p><p><b>　　★ 保險(xiǎn)協(xié)定</b></p><p>　　這一過(guò)程準(zhǔn)確列出了保險(xiǎn)公司承諾的理賠項(xiàng)目。</p><p><b>　　★ 保險(xiǎn)的確定</b></p><p>　　在此過(guò)程中，每個(gè)相關(guān)條款都將被嚴(yán)密界定并寫(xiě)

35、入保險(xiǎn)協(xié)議。</p><p><b>　　★ 免除責(zé)任</b></p><p>　　在此過(guò)程中將會(huì)得知保險(xiǎn)單中不包括的事物、時(shí)間以及人物。</p><p><b>　　★ 條件</b></p><p>　　此部分列出了在被保險(xiǎn)人發(fā)生理賠情況時(shí)他應(yīng)承擔(dān)的責(zé)任和義務(wù)。</p><p&

36、gt;<b>　　汽車(chē)保險(xiǎn)的作用</b></p><p>　　汽車(chē)保險(xiǎn)促進(jìn)汽車(chē)工業(yè)的發(fā)展，擴(kuò)大了對(duì)汽車(chē)的需求。它解除了企業(yè)與個(gè)人對(duì)使用汽車(chē)過(guò)程中可能出現(xiàn)的風(fēng)險(xiǎn)的擔(dān)心，一定程度上提高消費(fèi)者購(gòu)買(mǎi)汽車(chē)的欲望，一定程度擴(kuò)大了對(duì)汽車(chē)的需求。</p><p>　　汽車(chē)保險(xiǎn)也促進(jìn)了汽車(chē)安全性能的提高。汽車(chē)保險(xiǎn)的保險(xiǎn)人從自身和社會(huì)效益的角度出發(fā)，聯(lián)合汽車(chē)生產(chǎn)廠家、汽車(chē)維修企業(yè)開(kāi)展汽車(chē)

37、事故原因的統(tǒng)計(jì)分析，研究汽車(chē)安全設(shè)計(jì)新技術(shù)，并為此投入大量的人力和財(cái)力，從而促進(jìn)了汽車(chē)安全性能方面的提高。</p><p>　　汽車(chē)保險(xiǎn)還在一定程度上穩(wěn)定了社會(huì)公共秩序，另外汽車(chē)保險(xiǎn)業(yè)務(wù)在財(cái)產(chǎn)保險(xiǎn)中也占有重要的地位。</p><p><b>　　汽車(chē)?yán)碣r</b></p><p>　　一旦發(fā)生交通事故，司機(jī)首先應(yīng)聯(lián)系警察并直接聯(lián)系保險(xiǎn)代理公司，向

38、他們報(bào)告事故的發(fā)生。之后，將會(huì)有一位調(diào)停者被派到事故發(fā)生地。司機(jī)還需要提供一份完整的、詳細(xì)的事故報(bào)告。</p><p>　　保險(xiǎn)公司應(yīng)對(duì)車(chē)輛進(jìn)行定損，估算合理費(fèi)用，并確定第三者責(zé)任的賠償金額。當(dāng)被保險(xiǎn)人提出索賠要求時(shí)，保險(xiǎn)公司需要決定是對(duì)車(chē)輛進(jìn)行維修還是申報(bào)車(chē)輛的全損。此時(shí)，如果維修費(fèi)用大于車(chē)輛市場(chǎng)價(jià)值，那么保險(xiǎn)公司將會(huì)申報(bào)車(chē)輛的全損。</p><p>　　在車(chē)輛修復(fù)或自交通事故處理結(jié)案之