| car insurance info. 汽车保险资讯。 |
| car insurance 汽车保险 |
Car Insurance - Prevention Is To Protect Yourself 汽车保险-预防是保护自己
One of the first and most important things to do when purchasing a new car is to get a car insurance policy.其中的第一个也是最重要的事要做,当初购买新车就是把握汽车保险政策。 In most countries, every vehicle needs auto or car insurance and this is required under the law.在大多数国家,每一个车辆必须是自动或汽车保险,这是法律规定的要求。
It provides protection to the car and compensates the driver and other passengers on any damage or injury sustained or caused to others in an accident as well as other occurrences such as theft, vandalism and other unforeseen circumstances.它提供的保障车并补偿司机和其他乘客的任何损害或受伤,或对其他人造成的一次事故,以及其他有发生,如盗窃,破坏和其他不可预见的情况。 Without proper auto insurance, the owner has to bear the full cost of these payouts.没有适当的自动保险,船东要承担的全部费用,这些支出。
Here is some information on the various types of car insurance available.这里是一些资料,对不同类型的汽车保险公司。 These include personal injury protection, bodily injury and liability, medical coverage, collision, comprehensive, uninsured or underinsured motorist and rental reimbursement insurance policies.这些措施包括人身伤害保障,人身伤害和赔偿责任,医疗保险,碰撞,全面,未投保或underinsured驾车和租金偿还保险政策。
A personal injury protection auto insurance policy is sometimes known as the "no-fault" coverage.个人伤害保护汽车保险政策有时也被称为"无过错"的报道。 It pays the driver and his passengers for medical expenses and treatments as a result of a car crash, regardless of who may have been at fault.它自付司机和乘客的医疗费用和治疗方法,由于一场车祸,不管是谁,可能有过失。 Some of such insurance policy also reimburse on the replacement of services, lost earnings and even funeral expenses.一些这样的保险政策还报销就更换服务,误工费,甚至殓葬费。
The bodily injury and liability car insurance is imperative to have as a driver.身体伤害的赔偿责任和汽车保险,是必须有一个作为一名司机。 It covers any bodily injuries or property damages to others that may occur during an accident, for which the policy owner is the responsible party.它涵盖任何身体伤害或财产损害赔偿等方面可能会出现一个意外,其中的政策,业主是负责任的政党。 Bodily injury damages include medical treatments or lost of wages whereas property damage includes damaged or loss of use of property.身体伤害的赔偿包括医疗待遇或遗失的工资,而财产损害包括损坏或损失的财产的使用。
Medical coverage focuses on the driver and passengers of the car.医疗保险重点是对司机和乘客的汽车。 This type of protection policy will pay for any reasonable or necessary medical treatments and expenses for the driver and passengers.这种类型的保护政策,将付出任何合理或必要的治疗和费用,司机和乘客。 In addition, it may even be extended to include disability or pain and suffering compensation.此外,它甚至有可能扩展至包括残疾或痛苦的赔偿。
A collision car insurance policy pays for the cost of damage caused by a collision to the insured car that may affect its book value.碰撞时汽车保险政策支付的费用所造成的损害发生碰撞,以被保险人的汽车可能会影响其帐面价值。 This will include damages caused by another vehicle or any other stationary or movable objects.这将包括造成的损失,由另一辆车或任何其他固定或可移动的物体。
A comprehensive auto insurance package pays for damages caused by theft, vandalism, fire and various natural disasters like wind, hail, flood, storm or lighting strikes.一个全面的汽车保险计划支付的赔偿所造成的盗窃,破坏,火灾及各种自然灾害一样,风,雹,洪涝,风暴或照明罢工。
Uninsured or underinsured motorist auto insurance will pay for any cost to an insured person, who is injured in an accident, caused by another person, who is uninsured or does not have enough car insurance to cover the full amount of the damages.未投保或underinsured驾车汽车保险会支付任何费用,以被保险人,他们在事故中受伤,造成另一个人,谁是无保险或没有足够的汽车保险,以支付全额赔偿了。 This will also include a hit and run accident.这也将包括一个交通肇事逃逸事故。
In the event that a car is damaged due to a vehicular accident, a rental reimbursement policy will pay a daily allowance for the fees incurred to rent another vehicle.在万一车损坏是由于一条行车事故时,租金的偿还政策,将付出每日津贴费用,以支付租金的另一辆车。
The price or premiums of the car insurance may vary widely with different insurance companies.价格或溢价的汽车保险公司可能差别甚大,与不同的保险公司。 There are several factors that may lower the premiums and these include:有几个因素有可能降低保费和这些措施包括:
a) clean driving records such as never involved in any accidents or no speeding tickets a )在清洁的驾驶纪录等从未参加过任何意外或不超速门票
b) the price of the car and the cost to repair the car or replace its accessories in the event of damage, theft or destruction二)价格的汽车和成本抢修车或更换其配件在发生损害的,盗窃或破坏
c) the purpose or usage of the vehicle as well as the frequency of using it c )在该协议的目的或用途的车辆,以及频率的使用
d) opt for the least number of installments to pay the premiums such as half yearly or even annually as monthly installments are the most expensive d )在选择次数最少的分期支付保险费的,如每半年或每年度为每月分期付款是最昂贵
d) drop the collision coverage as the vehicle gets older or is priced lesser四)减少碰撞覆盖率为车辆老化或单价较低
There are some car insurance companies that give multi-vehicle discounts or lower rates if there are two or more vehicles to be insured.也有一些汽车保险公司,让大家多车折扣或降低费率,如果有两个或两个以上的车辆必须投保。 It is also a common practice for these companies to give competitive discounts to drivers over 55 years of age or those who complete the safety driving courses with very good grades.这也是一种普遍的做法,为这些公司提供具竞争力的折扣司机超过55岁或那些完成安全驾驶课程非常好成绩。 Nevertheless, a responsible driver always puts in an effort to ensure an accident-free life on the road.尽管如此,作为一个负责任的司机,永远是以在努力,以确保无事故旅途中的使用寿命。
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