汽车服务工程专业英语-4[]课件.ppt（纯ppt,可能不含音视频素材文件）

1、 Unit 4 Automobile InsuranceProperty Insurance Contract Leader of Heavy TruckThe Legal Responsibilities to Third PartiesThe Cover for Your Car The Benefits with An Auto Insurance Contract Lesson 18Lesson 19Lesson 22Lesson 21Lesson 20Lesson 18Property Insurance Contract A property insurance contract

2、is an insurance contract with the property or related interests as the object of insurance.The insurer shall be notified of the transfer of the objects of insurance and the insurance contract shall be altered with the consent of the insurer to continue to underwrite the policy.But the transport insu

3、rance contracts and contracts with otherwise agreements are exceptions.When the insured liability starts for the transport insurance contract and the voyage insurance for means of transport,the parties to the contract may not terminate the contract.The insured shall observe the relevant regulations

4、on fire,safety,production operations and labor protection and protect the objects insured.According to the contract,the insurer may carry out safety checks of the objects insured and timely put forward written proposals to the insurant or the insured to eliminate unsafe factors or hidden dangers.Les

5、son 19Auto Insurance BasicAccording 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 li

6、ability;(3)medical payments or Personal Injury Protection(PIP);(4)collision;(5)comprehensive;(6)uninsured/underinsured motorists coverage.Liability coverage limits(that is for the damage you do to others)are usually presented as a series of three numbers.1 Liability Insurance For example,your agent

7、might say that your policy carries liability limits of/.That stands for,in bodily injury coverage per person,in bodily injury coverage per accident,and,in property-damage coverage per accident.2 Collision and Comprehensive CoveragesIf you cause an accident,collision coverage will pay to repair your

8、vehicle.You usually can not collect any more than the actual cash value of your car,which is not the same as the cars replacement cost.Collision coverage is normally the most expensive component of auto insurance.Replacement cost is the amount it would take to replace your vehicle or repair damages

9、with materials of similar kind and quality,without deducting for depreciation.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 replacemen

10、t cost and subtracting depreciation.Comprehensive coverage will pay for damages to your car that werent caused by an auto accident:damages from 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 m

11、uch as the car was worth when it got wrecked.3Medical Payments,PIP,and No-fault CoveragesMedical payments(MedPay)coverage will pay for your and your passengers medical expenses after an accident.Personal Injury Protection(PIP)coverage is an extended form of MedPay.PIP may cover expenses that are rel

12、ated to injury,but not necessarily medical,such as lost wages,childcare and funeral costs.4 Uninsured/Underinsured Motorists CoveragesUninsured motorists(UM)coverage pays for your injuries if you are struck by a hit-and-run driver or someone who does not have auto insurance.Underinsured motorists(UI

13、M)coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover.5 Add-on FeaturesSeveral supplemental auto coverages are available,either as separate premium items or included in augmented policies.Rental reimbursement a common add-on,covers vehicle

14、rentals required because your car is damaged or stolen.Coverage for towing and labor charges in case of a road 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

15、totaled in an accident.Lesson 20The Benefits with An Auto Insurance ContractStandard BenefitsAvailable as Optional ExtrasSome Key Benefits in a Little More Detail Definition of Words 1Standard BenefitsStandard benefits count in lifetime guarantee on all paint and bodywork repairs,courtesy car,4-hour

16、 claims helpline,immediate authorization of repairs,emergency overnight accommodation,cover for personal effects,cover for medical expenses,cover for in-car audio/visual equipment,-hour windscreen replacement and repair helplines for legal advice,medical advice and post-accident counseling.2Availabl

17、e 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 homecall).3Some Key Benefits in a Little More DetailWhen you have had an accident or loss call our Claims Helpline.Speak t

18、o friendly and efficient expertshours a day on helpline.Hour Claims Helpline 3.1With of the insurance company an accident covered by your policy indicated in your insurance contract,if you choose to have the repairs carried out by one of recommended repairers,we(meaning the insurance company)can arr

19、ange for them to be authorized straight away.For Immediate Authorisation of Repairs(Comprehensive Only)3.2If your car is being repaired by one of the recommended repairers following an incident covered by your policy and you have an Comprehensive Cover,we will provide a small loan car whilst your ow

20、n car is off the road.Courtesy Car(Comprehensive Only)3.3If the windscreen,windows or glass sunroof of your car becomes cracked or broken,call the Glass Helpline available4hours a day.Special Discount Through The Glass Helpline and4-Hour Glass Replacement 3.4Where your policy provides cover for dama

21、ge to your vehicle,the insurance company 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 you mobile.Vehicle Repairs 3.5 4Definition of Words“We”or“us”means the insurance company.“Yo

22、u”means the policyholder named in the schedule.“Your partner”means the partner,or husband or wife of the policyholder living at the same address as the policyholder and sharing financial responsibility.This does not include business partners or associates.“Your car”means the car in the schedule or a

23、ny courtesy car we arrange for you while your car is being repaired after you have claimed under this policy.“Visual navigation equipment”means electronic equipment which can only be used primarily in your car for planning your routes“Key”means any device used for starting the car or using its locks

24、“Terrorism”means using or threatening violence or action against people,property,business or everyday life for political,religious or ideological reasons.Lesson 21The Cover for Your Car()Comprehensive Policy()Accidental Damage Fire and Theft Policy()Third Party Fire and Theft Policy()Third Party Onl

25、y Policy 1What is CoveredIf your car is accidentally damaged we may choose to repair the damage or pay the amount of the loss or damage.Damage To Your Car 1.1As well as paying for loss or damage to your car,we will also pay reasonable costs for the following.Recovery And Re-delivery 1.2()If your car

26、 can not be driven due to the loss or damage,removing it and taking it to one of our recommended repairers or the nearest suitable repairer.We may take your car to a safe place of storage while awaiting repair or disposal.()After your car is repaired we will deliver it to you at your address.2What i

27、s not Covered()The amount you have to pay,which is the first amount of any claim,shown in the schedule under own damage excess.()Losing or spending money because you cannot use your car when it is damaged or stolen.()Losing money because you are deceived,or do not receive all the money you agree whe

28、n you sell the car.()Loss or damage caused by pressure waves from aircraft and other objects in the sky travelling at sonic or supersonic speed.()Loss or damage to any part caused by that part breaking down or failing.(6)Wear and tear,or your car losing value,including any loss of value after the ca

29、r has been repaired following an accident.()Loss or damage while your car is being driven by or is in the charge of any person,for the purposes of being driven,who is not covered to drive according to the schedule.()Loss or damage to visual navigation equipment that is not permanently fitted to the

30、car and has not been stored in a locked boot or glove compartment when the car is left unattended.3Hire PurchaseIf we know you are paying for your car by hire purchase or under a leasing agreement then we will do either of the following.()If we are paying the cost of replacing the car,we will pay th

31、e proceeds of the claim to the company which you are buying or leasing your car from.If you owe less than the proceeds of your claim,we will pay you the difference.()If we replace the car,we must have the permission of the company you are buying or leasing your car from.Lesson 22The Legal Responsibi

32、lities to Third PartiesThe cover as follows is only provided if the level of cover shown in the schedule is Comprehensive,Third Party Fire and Theft or Third Party Only.1What is CoveredThis policy covers you for the cost of any claims if you are legally responsible for:causing injury to or the death

33、 of anyone;or the damage you cause to another persons property,including damage caused by a trailer attached to your car.Your Cover While Driving or Using Your Car 1.1This policy covers you for the cost of any claims if you are legally responsible for:causing injury to or the death of anyone;or the

34、damage you cause to another persons property.You are covered while driving any other car only if all the following apply:Your Cover While Driving Any Other Car 1.2()you are 25 years of age or older;()you are driving with the owners permission；()you are not entitled to make a claim for the damage und

35、er any other policy of insurance;()the car is not owned by(or hired under a hire purchase agreement by or leased to)you or your partner.This policy also covers the following people while using your car against their legal responsibility to pay for injury or causing the death of anyone or damaging an

36、other persons property:(1)any person driving your car with your permission,who is insured by this policy;(2)any passenger travelling in,or getting into or out of your car.Cover for Other People 1.3If any person has an accident that is covered we may arrange for legal services to be provided to:repre

37、sent that person at any coroners inquiry or fatal accident inquiry;or defend that person against a driving charge arising from the incident,if we decide there is a reasonable chance of success Legal Costs 1.4 2What is Not CoveredThis policy does not provide cover for the following:()any person other

38、 than you,who is covered under another insurance policy;()death of or injury to any person if the death or injury arises out of and during the course of his or her employment either with or for the driver of your car(however,this event will be covered if we must provide cover under the Road Traffic

39、Law);()any accident,death,injury,loss or damage caused when your car is in any area to which aircraft normally have access;()loss or damage to your car,or any other motor car driven or towed by you;()damage to any property which the person covered owns or is responsible for;()we will not be liable f

40、or any consequence of terrorism unless we have to meet the requirements of any road traffic legislation.3Extra BenefitsCover only provided by Comprehensive,Third Party Fire and Theft and Third Party Only policies.(1)Emergency Treatment Fees(2)Emergency Overnight Accommodation(3)Medical Expenses(4)Pe

41、rsonal Effects(5)Notice This policy does not provide cover for the following.)Loss or damage to money,stamps,tickets,documents or securities;)Any property stolen from an open top or convertible car unless the property was in a locked boot or glove compartment.4No Claim Bonus)No Claim Bonus If you ha

42、ve made no claims in this period of insurance,your No Claim Bonus will be increased at renewal up to a maximum discount of.If you have made any claims,your No Claim Bonus may be reduced at your next renewal.Claims for the following will not affect your No Claim Bonus:()damage to windscreens or glass

43、,if this is the only damage;()fees for emergency treatment;()a claim under the Travel Accident Plan section;()a claim under the Legal Assistance Plan section.)Maximum No Claim Bonus Protection If you have maximum No Claim Bonus Protection,the following will apply:()we will not reduce your No Claim B

44、onus if a claim or claims are made under the policy;()we will not increase your premium as a result of a claim or claims under the policy;()we will not cancel your policy as a result of the number of claims made under the policy.The following also apply:()your maximum No Claim Bonus Protection may end if we are told of a change in your circumstances that makes you ineligible or if the policy runs out or is cancelled under the terms;()your premium may change if we are told about a change in your circumstances or when you renew the policy because we have increased premiums generally.谢谢观看！