财产与责任保险培训培训课件

PropertyandLiabilityInsurance,財產及責任保險,PrenticeHallInc.,2,HomeownersInsurancePolicies房屋保險,Covermultipleperils(e.g.,fire,theft,storms,faultyhouseholdsystemsorappliances,riot,volcanoes,vehicles,aircraft)保障各種不同的保險(例如：火災、竊盜、暴風、房屋或是家電，冰雹、龍捲風、汽車或行飛行器)Soldinsixbasicversions有六種型態出售,PrenticeHallInc.,3,SixBasicPackagedHomeownersPolicies六種基本的房屋保單,HO-1:Basicformhomeownersinsurance基本式房屋保險HO-2:Broadformhomeownersinsurance一般式房屋保險HO-3:Specialformhomeownersinsurance特殊房屋保險HO-4:Rentersortenantsinsurance承租人或租屋保險HO-6:Condominiumownersinsurance共同管轄公寓所有人保險HO-8:Modifiedcoverageolderhomeshomeownersinsurance修繕保險-舊屋所有人保險,PrenticeHallInc.,4,HO-1:BasicFormHomeownersInsurance基本是房屋保險,Providesthemostlimitedcoverage提供非常少的保險項目Notavailableinmoststates大部分的州皆無提供此保險,PrenticeHallInc.,5,HO-2:BroadFormHomeownersInsurance一般式房屋保險,Coversonlynamedperils僅承保列舉的危險Costsabout5%to10%morethanHO-1coverage保險項目成本比HO-1的多出5%-10%,PrenticeHallInc.,6,HO-3:SpecialFormHomeownersInsurance特殊房屋保險,Coversalldirectphysicallossestoyourhomeopenperilsprotection承保範圍涵蓋了所有直接實體房屋損失提供所有開放風險的保護Exceptionsincludefloods,wars,earthquakes,andnuclearaccidents被排除的危險有水災、地震、戰爭與核子意外Costsapproximately10%to15%morethanHO-1coverage保險項目成本約比HO-1的保險成本多出10%-15%,PrenticeHallInc.,7,HO-4:RentersorTenantsInsurance承租人或租屋保險,CoverageisequivalenttoHO-2perilsforpersonalproperty承保範圍與HO-2的相同皆為個人的財產Availableonlytorentersandtenants承保的對象為租屋人Coverspersonalpropertyratherthanthedwelling承保範圍涵蓋財產但並無保護實際的住宅Providesliabilitycoverageincaseanaccident,causingdamagetothestructure,isyourfault提供責任保險，當因你的過錯或意外導致房屋結構毀損時,PrenticeHallInc.,8,HO-6:CondominiumOwnersInsurance共同管轄公寓所有人保險,SimilartoHO-4coverage,sameperilsforpersonalpropertyasHO-2保險範圍與HO-4類似，同時其列舉危險與HO-2相同Availabletoco-opandcondoowners適用於合作公寓和共同管轄公寓所有人的保險Alsocoversimprovementsyouvemadetothedwellingunit此外，還涵蓋建築上任何的改良或改變,PrenticeHallInc.,9,HO-8:OlderHomesHomeownersInsurance修繕保險-舊屋所有人保險,SimilartoHO-1insurance,ornamedperils與HO-1保險箱類似，或是列舉危險Insuresthedwellingfortherepaircostormarketvalue,insteadofthereplacementvalue承保住宅的修繕成本或實際現金價值的保險，以替代修繕價值Designedspecificallyforolderhomes專為老舊房屋而設計,PrenticeHallInc.,10,PolicyCoverageSections保險範圍,SectionI:Propertycoverage保險範圍：財產保險SectionII:Personalliabilitycoverage保險範圍II:個人責任保險,PrenticeHallInc.,11,SectionI:PropertyCoverage第一部份：財產保險範圍,CoverageA:Dwelling範圍A：住宅。CoverageB:Otherstructures範圍：其他建築物。CoverageC:Personalproperty範圍：個人財產CoverageD:Lossofuse範圍：使用的損失,PrenticeHallInc.,12,SectionICoverageA:Dwelling第一部份範圍A：住宅,Protectsthedwellingandanyattachments房屋與任何附屬物的保障Doesnotcoveranydamagetotheland不包括土地的損害,PrenticeHallInc.,13,SectionICoverageB:OtherStructures第一部份範圍：其他建築物,Protectsother,unattached,dwellingsontheproperty其他建物，不屬於房屋的部份Coverslandscapingaswellasbuildings,butnottheland造景及建物，但不包括土地Limitedto10%ofthehomescoverage限制在房屋保險總額的10%Doesnotcoverotherstructuresusedforbusinesspurposes額外之建物為商業用途者亦不包括,PrenticeHallInc.,14,SectionICoverageC:PersonalProperty第一部份範圍：個人財產,Coversallpersonalpropertyownedorusedbythepolicyholder投保人所擁有或使用的個人財產Coverspersonalpropertyregardlessoflocation不管財產的落座地Coverspropertyofguestsinyourhome賓客在你的房屋內的個人財產,PrenticeHallInc.,15,SectionICoverageC:PersonalPropertyLimits第一部份範圍：個人財產的限制,Limitedto50%ofthehomescoverage最高限制為房屋保險的50%$200limitoncash,gold,andsilver現金，黃金，和銀的限制為$200$1,000limitonsecurities,tickets,andstamps有價證券，入場券及郵票的限制為$1,000$2,500limitonsilverware銀器的限制為$2,500Animals,birds,andfishareexcluded不包括動物，鳥，和魚,PrenticeHallInc.,16,SectionICoverageD:LossofUse第一部份範圍：使用的損失,Coverslossesincurredasaresultofyourhomebeinguninhabitable投保範圍為房屋因不堪使用的損失Limitedto20%oftheamountofcoverageonthehome損失金額限定在保險房屋的20%Threebenefitsofcoverage:保險範圍提供三個好處：Additionallivingexpenses額外的生活費用Fairrentalvalue一般出租價值Prohibiteduse禁止使用,PrenticeHallInc.,17,SectionII:PersonalLiabilityCoverage第二部份：個人責任保險項目,Protectsthepolicyholderincasesomeoneisinjuredontheirproperty保障當有人因為投保人的財產所導致的傷害Minimumlevelofcoverageis$100,000責任線最低水準為$100,000Medicalpaymentstootherscoverssmallmedicalexpensesupto$1,000perperson對第三者小型的醫療給付為每人$1,000Doesnotcoverbusinessorprofessionalliabilityornegligence對於因商業損產生或者疏忽所產生的損失不包括在內,PrenticeHallInc.,18,SupplementalCoverage(Endorsements)追加的保險範圍（簽署）,Personalarticlefloaters流動性個人保險條款Earthquakecoverage地震保護Floodprotection洪水保護Inflationguard通貨膨脹保護Personalpropertyreplacementcostcoverage個人財產重置成本的保險範圍,UmbrellaPolicies個人庇護保險,Coverliabilitycostsaftertheunderlyinghomeownersorautopolicieshavebeenexhausted在耗盡你的汽車和房屋責任保險後所提供的額外責任保險Upto$10million最高到一千萬美元Exclusionsforbusiness,aircraft,andwatercraftactivities商業使用航空和航行均不在保障範圍內,PrenticeHallInc.,19,PrenticeHallInc.,20,InsuranceNeeds你需要多少保險,Co-insuranceandthe“80%rule”:共同保險與“80%法則”:Coveragerestrictions保險範圍的限制Assessingyouruniqueinsuranceneeds評估你個人特殊的保險需要Keepinginsurancecostsdown使你的成本降低,PrenticeHallInc.,21,Coinsuranceandthe“80%Rule”:共同保險與“80%法則”:,Dwellingmustbeinsuredtowithin80%ofthereplacementcost至少要投保房屋重置成本的80%Coinsurancerequiresyoutopayforaportionofthelossifyoudontcarryadequateinsurance共同保險要求，當你不購買足夠的保險金額時，保險公司要求你支付你所擁有損失的一部份,PrenticeHallInc.,22,IfNot80%,YouPay如果80%法則沒發生,Intheeventoftheloss,youwillreceivethegreaterof:Actualcashvalueoftheportionofthehomelost當損失發生時，你將收到如下：房屋毀損實際價值的一部份OR或是InsuranceCoveragexValueofLoss80%ofReplacementCost所購買的保險金額/80%重置成本x損失金額,PrenticeHallInc.,23,CoverageRestrictions承保範圍的限制,Theamountpaidbytheinsurancepolicywillnotexceedthelimitofyourpolicy.重置成本的支付理賠，不得超出你保單的金額限制Youmustrebuildonthesamelocation.房屋必須重建在原來的地方Ifyoudontrebuild,theinsurancecompanywillonlypayfortheactualcash-valuelossratherthanthereplacementvalue.假使你不重建，保險公司將僅理賠你重置成本的現金價值部分,PrenticeHallInc.,24,ConsiderYourUniqueInsuranceNeeds考慮你特殊需求的保險,Coverthefullreplacementvalueofyourhomeincaseofacompleteloss.足夠的保險去涵蓋損失發生時，房屋的重置成本Protectyourselffrominflation.包含對抗通貨膨脹Determineifotherstructuresorlandscapingonthepropertyhaveadequatecoverage.若是有分離的建築物或精緻的造景，則需要特別的保障Purchaseadditionalinsuranceifpartofyourhomeisusedasanoffice.若是房屋作為辦公室用，則要考慮額外的保險,PrenticeHallInc.,25,ConsiderYourUniqueInsuranceNeeds(contd)考慮你特殊需求的保險(續),Purchaseextracoverageforspecialsituationslikefloodsorearthquakes,ifapplicable.若是位在水災或地震的區域，則需要特別的保障Coverthereplacementvalue,notactualcashvalue,ofyourpersonalproperty.在個人財產方面，需要考慮重置成本而非現金價值Ifrenting,haveadequatepersonalpropertycoverage.假使是租屋，則須對個人財產作充分的保險,PrenticeHallInc.,26,ConsiderYourUniqueInsuranceNeeds(contd)考慮你特殊需求的保險(續),Considerextracoverage,orafloaterpolicy,forvaluablepropertysuchaspaintings,jewelry,orcollections.假使有其他財產需要特別保護，例如名畫、寶石或收藏品，則需要特別的保障或考慮流動保險Ifassetsexceedliabilitycoverage,purchasemore.假使資產遠大於保單負擔的責任保險，應考慮額外的保險,PrenticeHallInc.,27,KeepingYourHomeownersInsuranceCostsDown使你的房屋保險成本降低,Threebasicfactorsdeterminepolicycost.計算保單成本的三個基本要素Selectafinanciallysoundinsurerwithlowcomparativecosts.選擇有較低比較成本的金融保險公司Considerotherpotentialdiscountsandsavingsmethod.考慮其他潛在的折扣與節省方法,PrenticeHallInc.,28,ThreeBasicFactorsDeterminePolicyCost計算保單的基本因素,Location房屋的座落地點Typeofstructure建築的種類Levelofcoverage保單的承保範圍,PotentialDiscountsandSavingsMethods潛在的折扣與節省方法,Highdeductibles高減免的折扣Securitysystems/smokedetectors保全系統/煙熱警告器折扣Multiplepolicydiscounts多張保單折扣Paypremiumsannually每年支付保費,PrenticeHallInc.,29,PrenticeHallInc.,30,PotentialDiscountsandSavingsMethods(contd)潛在的折扣與節省方法,Shoparound四處選購多比較Askforanyotherdiscounts爭取其他折扣Consideradirectwriter考慮直接承保人Doublecheckyourpolicy再次確認你的保單,PrenticeHallInc.,31,MakingYourCoverageWork進行你的要保動作,Keepaninventoryestablishingproofofownership(preferablyonvideotape).製作一份完整的財產目錄(最好是以錄影帶製作)Videotapetheexteriorofthehometovaluelandscapingorcondition.錄製包含房屋的外觀與風景以便於估計價值Keeprecordsconcerningthevalueofyourassets.僅可能將你擁有的財產價值記錄下來,PrenticeHallInc.,32,RecoveringonaLiabilityorPropertyLoss損失事件的處理,Reportyourlossimmediately.馬上通報你的損失Maketemporaryrepairstoprotectyourproperty.做臨時修護，以保護你的財產Makeadetailedlistofeverythinglostordamaged.Useyourinventory.運用你的財產清單，做一張詳細的損失表Maintainrecordsoftheinsurancesettlementprocess.保持紀錄保險處理的過程Confirmtheadjustersestimate.確認調整估計,PrenticeHallInc.,33,ThePersonalAutomobilePolicy(PAP)個人汽車保單,30millionaccidentsintheU.S.annually,orabout1accidentforevery5licenseddrivers.Whenwillitbeyourturn?在美國，每年有3千萬件的意外事件發生，或者每5位有照駕駛人就會有一件交通事故，哪時候會輪到你呢?,PrenticeHallInc.,34,ThePersonalAutomobilePolicy(PAP)個人汽車保險,PAPPartA:LiabilityCoverage責任保險範圍PAPPartB:MedicalExpenseCoverage醫療費用保險範圍PAPPartC:UninsuredMotoristsProtectionCoverage無保險的駕駛人保護範圍PAPPartD:CoverageforDamagetoYourCar汽車損害賠償保險範圍Standardexclusions標準除外汽車保險範圍No-faultinsurance無過失保險,PrenticeHallInc.,35,PAPPartA:個人汽車保險A部分LiabilityCoverage責任保險,Coversbodilyinjurylosses包含身體的傷害損失Coverspropertydamagelosses包含財產損害損失Canbeacombinedsinglelimitorasplit-limitcoverage可以是單一組合保險或分割限制保險Moststatesrequireaminimumcoverage多數的財產有承保範圍的限制Coverslossesduetoalawsuit因為訴訟所產生的損失Coversdefensecostsinciviltrialsinadditiontoyourpolicylimits民事訴訟相關的法律費用,PrenticeHallInc.,36,AutoLiabilitySplit-CoverageInsuranceLimits汽車責任分割保險,100/300/50$100,000ofbodilyinjuryliabilitycoverageperperson身體傷害責任承保範圍每人$100,000$300,000ofbodilyinjuryliabilitycoverageforeachaccident每次意外事故的身體傷害責任範圍$300,000$50,000ofpropertydamageliabilitycoverage財產損壞責任$50,000,PrenticeHallInc.,37,AutoLiabilityCombinedSingleLimitInsurance汽車單一組合保險,$100,000Totalliabilityinsurancebothbodilyinjuryliabilitylossesandpropertydamageliabilitylossesinanaccident,regardlessofthenumberofpeopleinvolved.在每次意外事件中，無總人數的限制，其包含身體傷害與財產損失的責任，總計為$100,000的責任保險,PrenticeHallInc.,38,PAPPartB:個人汽車保險B部分MedicalExpensesCoverage醫療費用保險範圍,Coversallreasonablemedicalcostsandfuneralexpensesincurred,bytheinsuredortheinsuredsfamilymemberswithin3yearsofanaccident.醫療費用保險給付因發生事故受傷的投保人、其家庭成員與其他人，在三年內所有合理的醫療費用與喪葬費用Recommendedcoverageof$50,000.建議每人$50,000的保險額Doesnotcovermedicalexpensesifinjuredbyavehiclenotdesignedforpublicstreets,butdoesprovidecoveragewhenwalking.不是在公用的道路上受到汽車傷害，並不涵蓋在其中，但是因街道行走而受到傷害則涵蓋在其中。,PrenticeHallInc.,39,PAPPartC:個人汽車保險C部分UninsuredMotoristsProtection無投保駕駛人保險,Providescoverageifinjuredbyanuninsuredmotoristorahit-and-rundriver.提供保障給無投保的駕駛人或肇事逃逸駕駛人所造成的災害Theotherdrivermustbeatfaulttocollectonthiscoverage.對方駕駛必須是有過失的才能涵蓋在理賠範圍Alsocoverscostsinexcessoftheotherdriversliabilitycoverage,ifinadequatetopayforyourlosses.保單中可以提供對方駕駛沒有投保足額責任險的部份,PrenticeHallInc.,40,PAPPartD:Comprehensive汽車責任險D部分PhysicalDamageCoverage綜合損害保險,Covers:範圍Collisionloss撞毀損失Otherthancollision,orcomprehensivephysicaldamage其他撞毀或綜合損害損失Collisioncoversregardlessoffault.Iftheotherdriverwasatfaultandhasliability,youshouldbeabletorecoverlosseswithoutcollisioncoverage.撞毀損失保險適用的範圍是不論事故責任的歸屬都適用，假使對方駕駛有過失同時也有責任保險的情況下，不論你是否有撞毀保險，都能獲得損失賠償Recommendedlimitisthevehiclescash-value;deductiblesapply.建議限額為汽車的現金價值,PersonalAutoInsuranceCoverage個人汽車保單,PrenticeHallInc.,41,PrenticeHallInc.,42,LOREMIPSUMDOLORLOREM,上頁身體的保險範圍身體傷害責任醫療費用無保險駕駛人A部份B部份C部份,PersonalAutoInsuranceCoverage(contd)個人汽車保單(續),PrenticeHallInc.,43,PrenticeHallInc.,44,上頁,財換產損害範圍財產損害責任撞毀全面性的實體損害A部份D部份D部份,PrenticeHallInc.,45,StandardExclusions標準除外情況,Intentionalinjuryordamage國際性的傷害或損失Usewithoutpermission所使用的交通工具未經所有人同意Vehiclehaslessthanfourwheels所使用的交通工具少於四輪Someoneelsesvehicleprovidedonaregularbasis經常性駕駛別人的車Ownautomobile,butnotlistedonyourpolicy擁有汽車，但沒有列在你的保險單上Carryingpassengersforafee運載乘客，並對乘客收取費用Drivinginaraceorspeedcontest駕駛時有競速或比賽的情形,PrenticeHallInc.,46,No-FaultInsurance無過失保險,Onlyavailablein“no-fault”states.僅只適用於有“無過失”規定的州Yourinsurancepaysforyourlossesandtheirinsurancepaysfortheirlossesnolegalbattles.你的保險公司給付你的損失，而對方駕駛的保險公司給付他們的損失沒有合法的範圍限制Limitsonclaims,particularlymedical,maynotbeadequate.在限額內理賠，特別是醫療費用，可能沒有充分的理賠Youcanstillsuetheirinsurancefor“painandsuffering.”你仍然可以向對方駕駛保險公司請求”傷害損失”,BuyingAutomobileInsurance購買汽車保險,Determinantsofthecostofautomobileinsurance決定汽車保險的成本Keepingyourcostsforautomobileinsurancedown壓低你的汽車保險成本,PrenticeHallInc.,47,PrenticeHallInc.,48,DeterminantsoftheCostofAutomobileInsurance決定汽車保險的成本,Typeofautomobile汽車種類Useofautomobile汽車的使用狀況Yourpersonalcharacteristics你的個人特色Yourdrivingrecord你的駕駛紀錄Whereyoulive你的居住地Discountsyouqualifyfor你的適任資格折扣,PrenticeHallInc.,49,KeepingYourCostsforAutomobileInsuranceDown壓低你的汽車保險成本,Shopcomparatively.選購並多比較Consideronlyhigh-qualityinsurers.僅考慮高品質的保險業者Usediscounts.爭取折扣Buyvehiclesthatarerelativelyinexpensivetoinsure.購買相對保費較低的汽車Improveyourdrivingrecord.改善你的駕駛紀錄Raiseyourdeductibles.提昇你的可扣除額Keepadequateliabilityinsurance.維持適合的責任保險,PrenticeHallInc.,50,FilingaClaimUsingYourAutomobilePolicy運用你的汽車保險提出索賠,Gethelpfortheinjured.幫忙或請求幫忙受傷的人Movevehicleorputupflares.將車移至安全的地方或放置閃光訊號Getthenamesofanywitnesses.取得目擊者的