Automobilepurchasingautoinsurance购买汽车和汽车保险.ppt

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1、Automobile purchasing&auto insurance购买汽车和汽车保险购买汽车和汽车保险 npurchase n.购买nthe Lunar New Year 农历新年nprofit n.利润nshowroom n.展示厅，陈列室 nbargain v.讨价还价ninvoice n.发票nMSRP manufacturers suggested retail price n 厂商指导价/建议零售价nA-SD after-sales service department 售后服务部Automobile producers汽车生产国nSince 1953,China automo

2、tive industry has become a vehicle producer,listed in the world top 10 automotive producers.从1953年开始，中国汽车工业已成为世界十大汽车生产国之一。The largest car sales market 最大的汽车销售市场nAutomobile sales are always higher in China ahead of the Lunar New Year celebrations.n在中国，汽车销售成绩在农历新年期间总是领先且最高的。Suggestions of automobile p

3、urchasing购买建议 nBefore purchasing,check information about car features and prices on publications at a library or bookstore or on the Internet;购买前，可上网参考新车的性能和价格nBefore you buy your dream car,check out the service department:see if their scheduled hours match yours;if there is a loaner program;how man

4、y master technicians do they have in their shop n调查一下他们的售后服务部门：看看他们的时间表是否能配合客户，是否有贷款业务，有多少熟练技师。nAfter-sales service department A-SDn售后服务部nShop around by comparing models in ads and at dealer showrooms(展示厅）/test drive 试驾，试车 4S store Sale vehicle sales 整车销售 Spare part spare parts supply 零部件供应 Service

5、after-sales service 售后服务 Survey information feedback 信息反馈 nWhile purchasing,plan to negotiate on price:dealers may be willing to bargain in their profit margin,often 10%and 20%.n购买时，有计划地还价，经销商会愿意在他们的利润幅度内让利签约，通常是10%到20%之间。n厂商建议零售价 vs 发票价格nManufacturers suggested retail price VS the invoice price nCo

6、nsider ordering a new car if you dont see what on the dealers lot.(order vehicle VS stock vehicle)汽车订购nIf you can,wait till the end of year to make your purchase.（lower price)nAfter purchasing,the insurance must be handled before getting the license plate （牌照）.nThe new car must handle:Third party li

7、ability(compensate for the other sides repair charge,medical fee and property financial loss)New words&phrases ninsurance n.保险nauto insurance 车险ncoverage n.保险范围npremium n.保险费npolicy n.保险单ninsurer 保险人nthe insured 被保险人npolicyholder n.投保人nclaim adjuster 理赔人nAutomobile insurance and claim 汽车保险与理赔ninsure

8、r(保险人/承保人）：insurance company;nthe insured(被保险人/投保人）:the person or group the insurance policy is issued.指根据保险合同,其财产利益或人身受保险合同保障，在保险事故发生后，享有保险金请求权的人。nPolicy holder（投保人）：an insured person;the client in whose name an insurance policy is written。根据我国保险法规定，投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人 nClaims adjust

9、ers（理赔人）：（理赔人）：investigate insurance claims by interviewing the claimant（索赔人）and witnesses,consulting police and hospital records,and inspecting property damage to determine the extent of the companys liability 保险理赔员在接到查勘定损通知后，组织客户及有关人员，现场调查取证，核定保险事故的损失；接见客户，检查确定财产权利的有效性，查找警察和医院记录，确定责任；调查取证，收集、整理并审核

10、查勘定损资料等工作。n被保险人就是被保障风险的人。被保险人和受益人区分开就是比如某某去世了，某就可以拿到保险金，某某就是被保险人，而某就是受益人。投保人就是买保险的，手上有合同和保单的人。n保险理赔是保险人在保险标的发生风险事故后，对被保险人提出的索赔请求进行处理的行为。What is auto insurance？Auto insurance（vehicle insurance)is insurance purchased for cars,trucks,and other vehicles.It is a contract between you and your insurer(承保人，

11、保险公司）,specifying each partys rights and obligations.Essentially,your insurer promises to provide specific coverage for you.In return,you pay a premium（保险费）.Its primary use is to provide protection against physical damage and/or bodily injury（财产损失或人身伤害）in case of an accident.(avoid lawsuits or immens

12、e repair bills).汽汽车车保保险险是以保是以保险险汽汽车车的的损损失，失，或者以保或者以保险险汽汽车车的所有人，的所有人，或者或者驾驶员驾驶员因因驾驶驾驶保保险险汽汽车发车发生交通事生交通事故所故所负负的的责责任任为为保保险标险标的的的保的保险险 特点：特点：1）它是一种合同行）它是一种合同行为为。2）它是一种）它是一种权权利利义务义务行行为为。3）它是一种以合同）它是一种以合同约约定的、以保定的、以保险险事故事故发发生生为为条件的条件的损损失失补偿补偿或保或保险险金金给给付的保付的保险险行行为为。What do you need to know?1.Compulsory Ins

13、urance（交强险）&Commercial Insurance（商业保险）2.Basic Insurance（基本险/主险）&Additional Insurance（附加险）It is a mandatory requirement and each individual car must be insured（参保的）or the vehicle will not be considered legal.n机动车交通事故责任强制保险（简称机动车交通事故责任强制保险（简称“交强险交强险”）是我国首个由）是我国首个由国家法律规定实行的强制保国家法律规定实行的强制保险险。机动车交通事故责任强制

14、保险条例规。机动车交通事故责任强制保险条例规定：交强险是由保险公司对被保险机动车发生定：交强险是由保险公司对被保险机动车发生道路交通事故造成受害人（不包括本车人员和道路交通事故造成受害人（不包括本车人员和被保险人）的人身伤亡、财产损失，在责任限被保险人）的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。额内予以赔偿的强制性责任保险。主险（基本险 basic insurance）指不需要附加在其他险别之下，可以独立承保的险别。附加险（additional insurance），相对于主险而言，附加在主险合同下的附加合同，它不可以单独投保，要购买附加险必须先购买主险。一般来说，附加险所交

15、保险费较少，但它的存在以主险存在为前提，不能脱离主险。基本险包括车辆损失险和第三者责任险，附加险包括全车盗抢险(theft protection insurance)，玻璃单独破碎险(breakage of windscreen)，划痕险(车损险的附加险 scratch coverage），车上人员责任险（Passenger liability coverage)，自燃损失险等。n一般来说保的险种越多，得到的保障越多。n其中投保率较高的为基本险中的车辆损失险，和第三者责任综合保险。附加险中的盗抢险，玻璃单独破碎险，划痕险，车上人员险等Accidents意 外Vehicle damage ins

16、urance车辆损失险Natural disasters自然灾害车辆损失险是指保险车辆遭受保险责任范围内的自然灾害（不包括地震）或意外事故，造成保险车辆本身损失，保险人依据保险合同的规定给予赔偿。collision碰撞Coverage of vehicle damage insurance 责任范围overturn倾覆falling坠落(包括外界物体坠落、倒塌）Fire火灾explosion爆炸Lightning strike雷击Violent wind or tornado暴风/龙卷风rainstorm暴雨Flood洪水seaquake海啸subsidence地陷Rock fall崖崩Sno

17、w slide雪崩hail雹灾mud-rock flow泥石流Land slide滑坡全车被盗、自然损耗、车辆故障、零件单体缺件轮胎单独破损、玻璃单独破碎地 震Liability exemption免责范围被保险人、驾驶人员肇事逃逸或毁灭现场证据饮酒、服用国家管制的精神药品或者麻醉药品后驾车无驾驶证，驾驶证失效或者被扣留、暂扣、吊销 期间战争、军事冲突、恐怖活动、暴乱、扣押、罚没、查封、政府征用核反应、核污染、核辐射本车所载货物的撞击、腐蚀在竞赛、检测、修理、养护，被扣押、征用、没收期间所有权发生转移，未向保险公司办理批改手续未经被保险人同意或允许而驾车的利用保险车辆从事犯罪活动规定不允许驾驶

18、保险车辆的其他情况下驾车 If the whole vehicle is stolen or robbed,and has not been found for three months after the case is put on record and verified by the police criminal investigation,the insurance company would pay for it.全车盗抢险是指保险车辆全车被盗窃、被抢劫、被抢夺，经县级以上公安刑侦部门立案侦查证实满一定时间（大部分为三个月）没有下落的，由保险人在保险金额内予以赔偿。Attentio

19、n：1）盗窃、被抢劫、被抢夺的必须是车辆整体，而不是车辆的局部的、部分的零件或部件；2）盗抢行为的实施者必须是与保险车辆或被保险人没有利益关系的第三者(他人)Breakage of windscreenn玻璃单独破碎险，即保险公司负责赔偿保险车辆在使用过程中，发生本车玻璃单独破碎的损失的一种商业保险。包括 windshield&window glass（挡风玻璃和车窗玻璃），不包括lights&mirrors(车灯和车镜玻璃)Internal combustion damage insurance n自燃损失险：1）被保险车辆因电器、线路或供油系统发生故障或所载货物自身原因起火燃烧造成本车的损

20、失；2）发生保险事故时，被保险人为了防止或者减小事故影响所做的必要的施救费用Additional equipment damage insurancen新增设备损失险：当车辆发生意外事故造成车上的新增设备的直接损毁时，保险公司按实际损失赔偿。nThe primary function of the third party liability insurance is to protect the benefit of the third party who is injured in the accidents(compensate for).If the insured or the eli

21、gible(合格的）driver allowed to drive the car is at fault in an accident,the insurance company will pay for the repair charge,medical fee and property financial loss caused to the third party in the accident.The third party liability 第三者责任险The third party 第三者nThe first party:the insurer 在保险合同中，保险人是第一方，也

22、叫第一者；nThe second party:the insured 被保险人或使用保险车辆的致害人是第二方，也叫第二者；nThe third party:the person injured outside the car 除保险人与被保险人之外的，因保险车辆的意外事故致使保险车辆下的人员遭受人身伤亡或财产损失，在车下的受害人是第三方，也叫第三者。第三者责任险是指被保险人或其允许的合第三者责任险是指被保险人或其允许的合格驾驶员，在使用保险汽车过程中，发格驾驶员，在使用保险汽车过程中，发生意外事故，致使第三者遭受人身伤害生意外事故，致使第三者遭受人身伤害或财产的直接损毁，依法应当由被保险或财产

23、的直接损毁，依法应当由被保险人支付的赔偿金额，保险人依法给予赔人支付的赔偿金额，保险人依法给予赔偿的一种保险。由于汽车的第三者损失偿的一种保险。由于汽车的第三者损失对象既有人身伤亡又有财产损失，所以对象既有人身伤亡又有财产损失，所以汽车责任保险又分为汽车责任保险又分为第三者人身伤害责第三者人身伤害责任保险和第三者财产损失责任保险。任保险和第三者财产损失责任保险。Liability coverage(insurance)责任险 Liability insurance is the foundation of most auto insurance policies.Bodily injury l

24、iability 人身伤害责任险人身伤害责任险 Property damage liability 财产损失责任险财产损失责任险 人身伤害责任险和财产损失责任险是大多数汽车人身伤害责任险和财产损失责任险是大多数汽车保险单的基础。保险单的基础。Bodily Injury Liability 人身伤害责任险人身伤害责任险This coverage applies to injuries that you,the designated(指定的)driver or policyholder（投保人）,cause to someone else.You and family members listed

25、 on the policy are also covered when driving someone elses car with their permission.（medical bills and lost wages)Property Damage Liability 财产损失责任险财产损失责任险This coverage pays for damage you(or someone driving the car with your permission)may cause to someone elses property.Usually,this means damage t

26、o someone elses car,but it also includes damage to lamp posts,telephone poles,fences,buildings or other structures your car hit.PASSENGER LIABILITY INSURANCE车上人员责任险车上人员责任险 Passenger liability cover is provided to protect the owners and drivers of the vehicle for any legal liability to their passenge

27、rs in the insured vehicle whether moving or stationary.n车上人员责任险车上人员责任险：发生意外事故，造成本车乘客的人身伤害，如果本车负有责任，保险公司按条例规定进行赔偿。n不计免赔险：投保了车辆损失险及第三者责任险的车辆如发生保险责任范围内的事故，而造成车辆损失（不含盗抢）或第三者责任赔偿，由保险人依据条款赔偿规定的金额负责赔偿。Difference between vehicle damage insurance and the third party liability n车辆损失险主要针对于投保车辆本身的损坏;n第三者责任险是针对投

28、保人使用保险车辆致使第三者遭受人身伤亡或财产损失。Advice n1、Take a look at the status of auto insurance companies n2、Study the auto insurance policies to compare their rates before selecting a particular offer n3、Read the small print on your policy.Tipsn1、There are numerous websites offering instant auto insurance quote comparison services（汽车保险报价服务）helping in the selection of the particular insurance provider.n2、Most well-known insurance carriers are considered to be financially more reliable.