汽车专业英语主编李翠香高艳强Unit7RepairandInsurancePartⅠ.PPT

汽车专业英语 ; ; ; ;PartⅠ Practical Reading; 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 required by state law， some are considered optional. These are: 1. Bodily injury liability 2. Property damage liability 3. Medical payments or Personal Injury Protection 4. Collision 5. Comprehensive 6. Uninsured/Underinsured motorist coverage; Scope of cover This insurance is classified into Loss or Damage Cover and Third Party Liability Cover. The company shall undertake to indemnify the insured according to the risks insured and the provisions of the clauses.; Loss or damage cover The company shall be liable for loss or damage to the insured car including its accessories， spare parts and equipment whilst thereon arising from the following causes: (1) Thunderandlighting， flood， earthquake， avalanche， collision， overturning， fire， explosion， selfignition， missing and robbery. (2) Accidents to the ferryboat whilst maneuvering on which the insured car is carried on condition that the driver of the insured car is on the ferryboat in attendance.; Third party liability cover The policy of the company shall indemnify the insured in the event of accident caused by or arising out of the use of the insured car by the insured， his employed driver or other person who is driving with his permission against all sums including claimants’ law costs which the insured shall become legally liable to pay in respect of:; (1) For Motor Car for Official Use Death of or bodily injury to any person other than the insured’s driver and employees；damage to property other than property belonging to the insured， the insured’s driver and employees or held in trust by them. (2) For Motor Car for Private Use Death of or bodily injury to any per