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1、精选优质文档-倾情为你奉上汽车保险汽车保险是在事故后保证自己的财产安全合同。尽管联邦法律没有强制要求，但是在大多数州（新罕布什和威斯康星州除外）都要求必须购买汽车保险；在各个州都有最低的保险要求。在鼻腔只购买汽车保险的两个州，如果没有足够的证据表明车主财力满足财务责任法的要求，那么他就必须买一份汽车保险。就算没有法律规定，买一份合适的汽车保险对司机避免惹上官和承担过多维修费用来说都是非常实用的。依据美国保险咨询中心的资料显示，一份基本的保险单应由6个险种组成。这其中有些是有州法律规定，有些是可以选择的，具体如下：1. 身体伤害责任险2. 财产损失责任险3. 医疗险或个人伤害保护险4. 车辆碰撞
2、险5. 综合损失险6. 无保险驾驶人或保额不足驾驶人险责任保险责任险的投保险额一般用三个数字表示。不如，你的保险经纪人说你的保险单责任限额是20/40/10，这就代表每个人的人身伤害责任险赔偿限额是2万美元，每起事故的热身上海责任险赔偿限额是4万美元，每起事故的财产损失责任险的赔偿限额是1万美元。人身伤害和财产损失责任险是大多数汽车保险单的基础。要求汽车保险的每个州都强令必须投保财产损失责任险，佛罗里达是唯一要求汽车保险但不要求投保人身伤害责任险的州。如果由于你的过错造成了事故，你的责任险会承担人身伤害、财产损失和法律规定的其他费用。人身伤害责任险将赔偿医疗费和误工工资；财产损失责任险将支付车
3、辆的维修及零件更换费用。财产损失责任险通常承担对其他车辆的维修费用，但是也可以对你的车撞坏的灯杆、护栏、建筑物等其他物品的损坏进行赔偿。另一方当事人也可以决定起诉你赔偿精神损失。看看汽车责任险的最低投保要求，你就会发现在你居住的地方哪些保险是必须的。记住，如果你引起了一场严重的交通事故，最低限度的保险可能不足以支付你造成的损失。因此最好在州要求的最低限度外再买一些保险。如果你已经拥有了家庭或者拥有养老或存储账户，你应该更多地考虑责任险。因为在大多数州，司机们都有权利去起诉肇事司机。如果你被起诉了并且你投保的保额不足以弥补各类损失，那么你有可能会成为众矢之的，个人财政将陷入麻烦。车辆碰撞险和综合
4、损失险如果投保人肇事，车辆碰撞险将支付你的车辆维修费。通常投保人得到的赔付不能超过车辆实际价值，这和车辆的更换费用不同。车辆碰撞险通常来说是汽车保险中最贵的险种。选择一个较高的免赔额，比如500或1000美元，就会使你的保险费下降。不过要记住，你必须承担免赔额以内的部分，保险公司只承担超出免赔额的部分。更换费用是重置车辆或用相同种类和质量的材料维修你的车，没有折旧扣除。折旧是因使用年限或磨损等原因使汽车价值的减少。实际价值 是财产被损坏或毁坏是的实际价值。理赔人员通常会用重置成本减去折旧来确定车辆实际价值。保险公司通常在维修费用超过汽车价值一定比例的时候将车视作“车辆全损”。这个比例高低因公司
5、不同而异，从55%90%不等。综合损失险 对非交通事故原因造成投保人车辆的损失进行赔付：如偷盗，火灾，被故意破坏，自然灾害，或各种意外等。综合损失险同样可以有免赔额，并在车辆毁伤时保险公司仅按车辆价值赔付。正常情况下，因为保险公司的赔偿额度不会超过汽车的账面价值，你最好对这个金额有个大致的了解。如果你车的价值还不如保费额，还是不要投保的好。任何州都不会强制投保人购买碰撞险及综合损失险，不过当车主能够负担汽车费用时，贷方可能会在贷款协议中要求车主购买碰撞及综合险。即使没有要求，碰撞及综合险也是保险业大力推荐的险种，以便在不可预知的毁坏或偷盗情况下，车主可以避免重大损失。车辆偷盗现象很常见。医疗险
6、、个人上海保护险和无过错险医疗险讲对被保险人及车上人员在事故后的医疗保险费用进行赔付。这些费用可能由于投保人驾驶自己的车或别人的车是发生的事故，或者被保险人及其家庭成员在步行时收到的伤害。无论过错在哪一方，保险公司都会进行赔付，但若责任由第三方造成，保险公司可以对其进行追偿。个人伤害保护险是医疗险的一种延伸形式。他用来支付与伤害有关的费用但并非必须是医疗的，如丧失的工资收入，幼托、丧葬支出等。目前有16各州要求购买个人上海保护险，如果你已经投保了一份不错的身体健康保险的话，幸运的是你只需要买最低额度的医疗险或个人伤害保护险即可。无保险驾驶人险或保额不足驾驶人险无保险驾驶人险 在你被撞伤而肇事司
7、机逃逸或被没有投保汽车保险的司机撞伤时进行赔付。在有些州，这两种险也对财产损失进行赔付。保额不足驾驶人险 肇事司机所投的责任保险额不足一米不造成的损失时保险公司进行赔偿。在有些州，这两种险也对财产损失进行赔付。类似地，保额不足驾驶人险也会在你遭受一个保额不足的司机装及时给与赔付。如果你是行人遭受撞击，保额不足驾驶人险会支付这些费用。附加条款汽车保险有很多补充，即可作为单独险种，也可作为附加条款。租车补偿条款 常见的附加条款，当你的车损坏或丢失而不能使用时的租车费用。拖车和人工条款 以防止车辆途中抛锚，亦很常见。差价补偿条款 若你的新车全损，用来支付实际价值和汽车贷款余额之间的差额。每个州都要求
8、车主购买基本的汽车保险。在汽车的使用过程中，要求随车携带保险证明。在以下这些时候你可能要出示保险证明：汽车登记时，发生事故时，还有驾驶过程中。建议车主将保险证明放到车上，而不是带在身上，这样不管岁驾驶，都可以随时出示保险证明。任何违反州法律中关于汽车保险内容的行为都会带来一些后果，轻则高额罚款，重则吊销驾照甚至入狱。这些可怕的后果说明购买汽车保险非常值得。不投保而又不被惩罚的可能性很小，一旦被发现将重罚。汽车保险益处1.基本保障基本保障包括：保证对车企及车体的终身维修，维修期间提供代步车，24小时热线服务电话，及时安排维修，晚间紧急情况下的住宿，对私人随身物品、医疗费用、车内音频视频设备的损坏
9、予以赔偿，24小时挡风玻璃的更换，维修热线提供法律和医疗方面的建议及事故后咨询。2.附加保障附加保障包括：最大限度的无赔款优待，法律帮助，旅行意外险及抛锚险，如在路边，修车时或在家抛锚的情况下提供帮助。投保人选择的险种不同，保险就有所不同。投保人可以按需要从下列险种中选择：第三者责任险保险公司对因被保险人驾驶时的责任引起的三方人身伤害或财产损失负赔偿责任。第三者火灾及盗抢险除了上述第三方责任险外保险公司还对投保人车辆在事故中遭受的火灾及盗抢负赔偿责任。综合损失险对被保险人的车辆损失以及第三者的人身损害和财产损失提供保障。投保人可以将下列内容补充道一上车险种：前一年度没有索赔，保险公司给与的最大
10、限度的无赔款优待；法律帮助计划；抛锚险；旅行意外险。3.部分主要益处解析上面简要介绍了保险所提供的保障，下面我们分别详细说明。1）24小时服务热线当投保人发生了事故或遭受了损失，可以随时拨打保险公司24小时服务热线，向态度友好、处理高效的专家说明。2）及时安排维修发生了保险单中载明的事故之后，投保人如果选择保险公司推荐的修理厂进行维修的话，保险公司将会立刻通知该维修厂提供服务。这些维修厂都是经保险公司严格检查，始终保持较高工作质量，经他们维修过的车起火车身可以终身保修就是证据。3）关于热线电话给于的特别折扣及24小时更换玻璃服务如果投保车辆的挡风玻璃，车程几天窗玻璃破损，被保险人可以拨打24小
11、时波利维修热线。如果投的是综合损失险，所有维修都将免费。如果已经无法维修的就只能更换，超出部分费用由投保人自己承当。超出的费用已在投保人的投保单中注明，如果投保人决定比进行索赔或通过其他险种索赔，将会得到来自供应商的额外折扣。4）车辆维修只要是再保险责任内车辆发生损坏事故，保险公司专门推荐的一些维修厂会集中并运送投保人的车辆。如果保单有相应记载，他们还将提供代步车给投保人使用。车辆一到修理厂马上开始修理。为了保证不影响被保险人保单的效力，汽修厂将会对车企和车身进行终身保修。 Auto insuranceAuto insurance is a contract that protects you
12、r financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state has minimum insurance laws. If said owner cannot produce proof of satisfactory assets, the he must buy an auto insurance policy
13、. Regardless of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.According 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
14、required by state law, some are considered optional. These are:1. Bodily injury liability2. Property damage liability3. Medical payments or Personal Injury Protection4. Collision5. Comprehensive6. Uninsured/Underinsured motorists coverageLiability insuranceLiability coverage limits (thats for the da
15、mage you do to others) are usually presented as a series of three numbers. For example, your agent might say that your policy carries liability limits of 20/40/10. That stands for $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and #10,000 in property-da
16、mage coverage per accident.Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Every state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only that requires auto insurance but does not ca
17、ll for bodily injury liability. If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any auto
18、repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp plus, fences, buildings, or anything sew that your car ma have struck. The other party also decide to sue you to collect” pain and suffering” damages.See the
19、 Minimum levels of required auto liability insurance to find out whats required where you live. Remember, if you cause a serious accident, minimum insurance may not cover you adequately. Thats why its a good idea to buy more than what your state requires. If you own a home and have nest egg and a sa
20、vings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drives who injure them in car accidents. If youre sued and your liability insurance doesnt pay for all of the damages, your personal finances are on the hook, and its likely youll be
21、come a target.Collision and comprehensive coveragesIf you cause and accident, collision coverage will pay to repair your vehicle. You usually cant 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 expe
22、nsive component of auto insurance. By choosing a higher deductible, say $500or $1, 000, you can keep your premium costs down. However, keep in mind that you most pay the amount of deductible before the insurance company kicks in any money after an accident. Replacement cost is the amount it would ta
23、ke to replace your vehicle or repair damages with materials of similar kind and quality, without deducting for depreciating. 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 adj
24、usters usually figure ACV by taking the replacement cost and subtracting depreciation. Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the cars worth. The critical damage point varies from company to company, from 55 percent to 90 percent.Comprehens
25、ive coverage will pay for damages to your car that werent caused by an auto accident: Damages form 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 much as the car was worth when it got wre
26、cked.Because insurance companies normal will not pay you more than your coos book value, its helpful if you have a rough idea of this amount .If your car is worth less than what youre paying for the coverage, youre better off not having it.Neither collision nor comprehension insurance is required by
27、 any of the states, but some lenders, when the owner finances the car, nay require the purchase of collision and comprehensive in the loan agreement. Even when t is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of
28、damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. Medical payments, PIP, and no-fault coveragesMedical payments (Med pay) coverage will pay for your and your passengers medical expenses after an accident. These expenses can arise f
29、orm accidents while youre driving your car, someone elses car (with their permission), and injuries you or your family members incur when youre pedestrians. The coverage will pay regardless of who is a fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her
30、.Personal Injury Protection (PIP) coverage is an extended form of Med Pay. Pip may cover expenses that are reacted to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good he
31、alth insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or Med Pay insurance.Uninsured/Underinsured motorists coverageUninsured motorists (UM) coverage pays for your injuries of youre stuck by a hit-and-run driver or someone who doesnt have auto
32、insurance. It is required in many states.Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. IN some states, UM or UIM coverage will also pay for property damages.Similarly, underinsured motorists insurance wil
33、l cover any damage caused when you are struck by a driver who is not insured for a sufficient amount. If you are hit, as a pedestrian, underinsured coverage will cover the expenses.Add-on featuresSeveral supplemental auto coverage is available, either as separate premium items or included in augment
34、ed policies.Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.Coverage for towing and labor charges in case of a broad breakdown is also common.Gap coverage for your new car will pay the difference between the actual cash value you receive f
35、or the car and the amount left on your car loan if your vehicle is totaled in an accident.Basic auto insurance is required by virtually every state. Proof of insurance is required at different items throughout the life of a vehicle. You may be asked for proof of insurance at any and al of these item
36、s: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.Any violation
37、s of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your drivers license and/or time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver wills detectio
38、n is slim; he is likely being caught and strictly punished.The benefits with auto insuranceStandard BenefitsStandard benefits count in Lifetime guarantee on all paint and bodywork repairs, Courtesy car, 24-hour Claims Helpline, and Immediate authorization of repairs, Emergency overnight accommodatio
39、n, Cover for personal effects, Cover for legal advice, medical advice and post-accident counseling.Available 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 home call.Th
40、e benefits are different with the level of coverage you choose.You can select the cover that sits your knees, form:Third Party only-third party liability protection for injury or damage insured drivers may cause to others or their propertyThird Party Fire and Theft-fire and theft cover for your car
41、and third party liability protection for injury or damage insured drivers may cause to others or their propertyComprehensive-loss or damage cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their propertyYou may add the following opti
42、onal extras to any of the above covers;1) Maximum No Claim Bonus for Life2) Legal Assistance Plan3) Breakdown Cover4) Travel Accident PlanSome Key Benefits in a little More DetailWeve outlined the range of benefits you can earn above. Now let us explain in a little more detail just what some of thos
43、e benefits mean to you:1) 24 Hour Claims HelplineWhen youve had an accident or loss calls our Claims Helpline. Speak to friendly and efficient experts 24 hours a day2) For Immediate Authorization of Repairs (Comprehensive Only)Following an accident covered by your policy, if you choose to have the r
44、epairs carried out by one of our Recommended Repairers, we can arrange for them to be authorized straight away. Or repairers are all thoroughly checked to make sure that their work is of a consistently high standard. Ad proof, all paint and bodywork repairs carried out by our repairers are guarantee
45、d for the lifetime of the car3) Special Discount through the Glass Helpline And 24-hour Glass ReplacementIf you have our Comprehensive Cover, any repairs will be free of charge. If repairs arent possible then youll get a replacement but will have to pay the windscreen excess which is shown under Own
46、 Damage Excess in your schedule. If you decide not to claim, or have another type of cover, you will receive a special discount from our suppliers.4) Vehicle RepairsWhere your policy provides cover for damage to your vehicle, we have a network of Recommended Repairers who will collect and redeliver
47、your vehicle. Where provided for under your policy, they will also provide a courtesy car to keep our mobile. The repair process will commence immediately the vehicle arrives on their premises. To ensure there is no effect on any existing warranty you may have, they provide a Lifetime Guarantee on all paint and bodywork repairs.专心-专注-专业