外文翻譯---汽車保險理賠

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>　　汽車保險理賠</b></p><p>　　人人都說駕駛汽車就意味著對自己和他人要承擔風險。汽車保險對一切存在潛在損失、傷害的可能提供了保障。</p><p>

28、<b>　　汽車保險簡介</b></p><p><b>　　汽車保險主要險種</b></p><p><b>　　★ 車輛損失險</b></p><p>　　被保險人或其允許的合格駕駛員在使用參加保險的車輛過程中，因為以下原因造成的損 失，保險公司負責賠償：保險車輛發(fā)生意外碰撞、翻車、保險車輛周圍

29、的火災、爆炸、外界物體倒塌、以及物體墜落對車輛造成的損失。以下自然災害對保險車輛造成的損失：雷擊、暴風、龍卷風、暴雨、洪水、海嘯、地陷、冰陷、崖崩、雹災、泥石流、滑坡、載運保險車輛的渡船遭受自然災害對保險車輛造成的損失。</p><p><b>　　★ 第三者責任險</b></p><p>　　機動車第三者責任保險是一種能有效保護因交通事故而受害的第三者利益的法律制度

30、。被保險人或其允許的合格駕駛員在使用過程中，發(fā)生交通意外事故，致使第三者遭受人身傷亡或財產損毀，保險公司將負責賠償應當由被保險人支付的賠償金額。但在被保險人無責任（或無過錯）的情況下，保險公司不承擔賠償責任。</p><p>　　★ 機動車交通事故責任強制保險</p><p>　　保險公司將負責賠付交通事故中受害人車上貨物的損失及人員傷亡。與第三者責任保險不同，此險種是強制購買的。而且，無

31、論被保險人是否有責任保險公司都要進行賠付。</p><p><b>　　★ 車上責任險</b></p><p>　　保險車輛發(fā)生意外事故，導致車上貨物的損失和車上人員的傷亡以及施救費用，有保險公司承擔賠償責任。</p><p><b>　　★ 全車盜搶險</b></p><p>　　保險車輛全車被盜

32、竊、被搶奪，經縣級以上公安偵查部門立案核實，滿三個月未查明下落的，保險公司負責賠償。</p><p><b>　　★ 新增設備損失險</b></p><p>　　當車輛發(fā)生意外事故造成車上的新增設備的直接損毀時，保險公司按實際損失賠償。</p><p><b>　　★ 自燃損失險</b></p><p&

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

34、一部分中，需要準備一份申報，而這份申報羅列了要投保汽車的所有相關信息。</p><p><b>　　★ 保險協(xié)定</b></p><p>　　這一過程準確列出了保險公司承諾的理賠項目。</p><p><b>　　★ 保險的確定</b></p><p>　　在此過程中，每個相關條款都將被嚴密界定并寫

35、入保險協(xié)議。</p><p><b>　　★ 免除責任</b></p><p>　　在此過程中將會得知保險單中不包括的事物、時間以及人物。</p><p><b>　　★ 條件</b></p><p>　　此部分列出了在被保險人發(fā)生理賠情況時他應承擔的責任和義務。</p><p&

36、gt;<b>　　汽車保險的作用</b></p><p>　　汽車保險促進汽車工業(yè)的發(fā)展，擴大了對汽車的需求。它解除了企業(yè)與個人對使用汽車過程中可能出現的風險的擔心，一定程度上提高消費者購買汽車的欲望，一定程度擴大了對汽車的需求。</p><p>　　汽車保險也促進了汽車安全性能的提高。汽車保險的保險人從自身和社會效益的角度出發(fā)，聯(lián)合汽車生產廠家、汽車維修企業(yè)開展汽車

37、事故原因的統(tǒng)計分析，研究汽車安全設計新技術，并為此投入大量的人力和財力，從而促進了汽車安全性能方面的提高。</p><p>　　汽車保險還在一定程度上穩(wěn)定了社會公共秩序，另外汽車保險業(yè)務在財產保險中也占有重要的地位。</p><p><b>　　汽車理賠</b></p><p>　　一旦發(fā)生交通事故，司機首先應聯(lián)系警察并直接聯(lián)系保險代理公司，向

38、他們報告事故的發(fā)生。之后，將會有一位調停者被派到事故發(fā)生地。司機還需要提供一份完整的、詳細的事故報告。</p><p>　　保險公司應對車輛進行定損，估算合理費用，并確定第三者責任的賠償金額。當被保險人提出索賠要求時，保險公司需要決定是對車輛進行維修還是申報車輛的全損。此時，如果維修費用大于車輛市場價值，那么保險公司將會申報車輛的全損。</p><p>　　在車輛修復或自交通事故處理結案之