汽车保险外文翻译.docx

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汽车保险外文翻译.docx

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中文3175字

Autoinsurance

Autoinsuranceisacontractthat?protectsyourfinancial?securityincaseofanaccident.Althoughitisnotmandatedbyfederal?law,the?purchaseofautoinsuranceisusuallyarequirementinmoststates;everystatehasminimuminsurance?laws.Ifsaidownercannot?produce?proofofsatisfactoryassets,thehemustbuyanautoinsurance?policy.Regardlessofthe?law,havinggoodautoinsuranceis?practical?forthedriver?who?wishestoavoid?lawsuitsorimmenserepairbills.

AccordingtotheInsuranceInformationInstitute,abasicautoinsurance?policyis?comprisedofsixbasictypesofcoverage.?Whilesomeofthesetypesofcoveragearerequiredbystate?law,someareconsideredoptional.Theseare:

1.Bodilyinjury?liability

2.?Propertydamage?liability

3.Medical?paymentsor?Personal?Injury?Protection?

4.Collision?

5.?Comprehensive?

6.Uninsured/Underinsuredmotoristscoverage

Liabilityinsurance?

Liabilitycoverage?limits(that’sforthedamageyoudotoothers)areusually?presentedasaseriesofthreenumbers.Forexample,youragentmight?saythatyour?policycarries?liability?limitsof20/40/10.Thatstandsfor$20,000inbodilyinjurycoverage?per?person,$40,000inbodilyinjurycoverage?peraccident,and#10,000in?property-damagecoverage?peraccident.?

Liabilityinsurance(bothbodilyinjuryand?propertydamage)isthefoundationofmostautoinsurance?policies.Everystatethatrequiresautoinsurancemandatesthe?purchaseof?propertydamage?liability,andFloridaistheonlythatrequiresautoinsurancebutdoesnotcall?forbodilyinjury?liability.Ifyouareatfaultinanautoaccident,your?liabilitycoverage?will?payall?theexpenses,bodilyinjury,?propertydamage,andany?legal?bills.Thebodilyinjurycoverage?would?payformedical?billsand?lostwages;the?propertydamagecoverage?would?payforanyautorepairs,orreplacement.?Propertydamage?liabilityusuallyrepairsdamagetoothervehicles,butcanalsocover