Automobilepurchasingautoinsurance购买汽车和汽车保险.ppt

Automobile purchasing 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 many 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-SD n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 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 nConsider 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 liability (compensate for the other sides repair charge, medical fee and property financial loss) New words 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 adjusters （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，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 immense repair bills). 汽车车保险险是以保险险汽车车的损损失， 或者以保险险汽车车的所有人， 或者驾驶员驾驶员 因驾驶驾驶 保险险汽车发车发 生交通 事故所负负的责责任为为保险标险标 的的保险险 特点： 1）它是一种合同行为为。 2）它是一种权权利义务义务 行为为。 3）它是一种以合同约约定的、以保 险险事故发发生为为条件的损损失补偿补偿 或保险险 金给给付的保险险行为为。 What do you need to know? 1. Compulsory Insurance（交强险） n第三者责任险是针对投保人使用 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. Tips n1、There are numerous websites offering instant auto insurance quote comparison services （