《财产与责任保险》PPT课件.ppt

1、Property and Liability Insurance財產及責任保險,Prentice Hall Inc,2,Homeowners Insurance Policies房屋保險,Cover multiple perils (e.g., fire, theft, storms, faulty household systems or appliances, 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) Sold in six basic versions有六種型態出售,

2、Prentice Hall Inc,3,Six Basic Packaged Homeowners Policies六種基本的房屋保單,HO-1: Basic form homeowners insurance基本式房屋保險 HO-2: Broad form homeowners insurance一般式房屋保險 HO-3: Special form homeowners insurance特殊房屋保險 HO-4: Renters or tenants insurance承租人或租屋保險 HO-6: Condominium owners insurance共同管轄公寓所有人保險 HO-8: M

3、odified coverage older homes homeowners insurance修繕保險-舊屋所有人保險,Prentice Hall Inc,4,HO-1: Basic Form Homeowners Insurance 基本是房屋保險,Provides the most limited coverage提供非常少的保險項目 Not available in most states大部分的州皆無提供此保險,Prentice Hall Inc,5,HO-2: Broad Form Homeowners Insurance一般式房屋保險,Covers only named per

4、ils僅承保列舉的危險 Costs about 5% to 10% more than HO-1 coverage保險項目成本比HO-1的多出5% - 10,Prentice Hall Inc,6,HO-3: Special Form Homeowners Insurance特殊房屋保險,Covers all direct physical losses to your home open perils protection 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 Exceptions include floods, wars, earthquakes, and nuclea

5、r accidents被排除的危險有水災、地震、戰爭與核子意外 Costs approximately 10% to 15% more than HO-1 coverage保險項目成本約比HO-1的保險成本多出10% - 15,Prentice Hall Inc,7,HO-4: Renters or Tenants Insurance承租人或租屋保險,Coverage is equivalent to HO-2 perils for personal property承保範圍與HO-2的相同皆為個人的財產 Available only to renters and tenants承保的對象為租

6、屋人 Covers personal property rather than the dwelling承保範圍涵蓋財產但並無保護實際的住宅 Provides liability coverage in case an accident, causing damage to the structure, is your fault提供責任保險，當因你的過錯或意外導致房屋結構毀損時,Prentice Hall Inc,8,HO-6: Condominium Owners Insurance共同管轄公寓所有人保險,Similar to HO-4 coverage, same perils for

7、personal property as HO-2保險範圍與HO-4類似，同時其列舉危險與HO-2相同 Available to co-op and condo owners適用於合作公寓和共同管轄公寓所有人的保險 Also covers improvements youve made to the dwelling unit此外，還涵蓋建築上任何的改良或改變,Prentice Hall Inc,9,HO-8: Older Homes Homeowners Insurance修繕保險-舊屋所有人保險,Similar to HO-1 insurance, or named perils與HO-1

8、保險箱類似，或是列舉危險 Insures the dwelling for the repair cost or market value, instead of the replacement value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 Designed specifically for older homes專為老舊房屋而設計,Prentice Hall Inc,10,Policy Coverage Sections保險範圍,Section I: Property coverage保險範圍：財產保險 Section II: Personal liability cov

9、erage保險範圍II: 個人責任保險,Prentice Hall Inc,11,Section I: Property Coverage第一部份：財產保險範圍,Coverage A: Dwelling範圍A：住宅。 Coverage B: Other structures範圍：其他建築物。 Coverage C: Personal property範圍：個人財產 Coverage D: Loss of use範圍：使用的損失,Prentice Hall Inc,12,Section I Coverage A: Dwelling第一部份範圍A：住宅,Protects the dwelling

10、and any attachments房屋與任何附屬物的保障 Does not cover any damage to the land不包括土地的損害,Prentice Hall Inc,13,Section I Coverage B: Other Structures第一部份範圍：其他建築物,Protects other, unattached, dwellings on the property其他建物，不屬於房屋的部份 Covers landscaping as well as buildings, but not the land造景及建物，但不包括土地 Limited to 10%

11、 of the homes coverage限制在房屋保險總額的10% Does not cover other structures used for business purposes額外之建物為商業用途者亦不包括,Prentice Hall Inc,14,Section I Coverage C: Personal Property第一部份範圍：個人財產,Covers all personal property owned or used by the policyholder投保人所擁有或使用的個人財產 Covers personal property regardless of lo

12、cation不管財產的落座地 Covers property of guests in your home賓客在你的房屋內的個人財產,Prentice Hall Inc,15,Section I Coverage C: Personal Property Limits第一部份範圍：個人財產的限制,Limited to 50% of the homes coverage最高限制為房屋保險的50% $200 limit on cash, gold, and silver現金，黃金，和銀的限制為$200 $1,000 limit on securities, tickets, and stamps有

13、價證券，入場券及郵票的限制為$1,000 $2,500 limit on silverware銀器的限制為$2,500 Animals, birds, and fish are excluded不包括動物，鳥，和魚,Prentice Hall Inc,16,Section I Coverage D: Loss of Use第一部份範圍：使用的損失,Covers losses incurred as a result of your home being uninhabitable投保範圍為房屋因不堪使用的損失 Limited to 20% of the amount of coverage o

14、n the home損失金額限定在保險房屋的20% Three benefits of coverage:保險範圍提供三個好處： Additional living expenses額外的生活費用 Fair rental value一般出租價值 Prohibited use禁止使用,Prentice Hall Inc,17,Section II: Personal Liability Coverage第二部份：個人責任保險項目,Protects the policyholder in case someone is injured on their property保障當有人因為投保人的財產所

15、導致的傷害 Minimum level of coverage is $100,000責任線最低水準為$100,000 Medical payments to others covers small medical expenses up to $1,000 per person對第三者小型的醫療給付為每人$1,000 Does not cover business or professional liability or negligence對於因商業損產生或者疏忽所產生的損失不包括在內,Prentice Hall Inc,18,Supplemental Coverage (Endorsem

16、ents)追加的保險範圍（簽署,Personal article floaters流動性個人保險條款 Earthquake coverage地震保護 Flood protection洪水保護 Inflation guard通貨膨脹保護 Personal property replacement cost coverage個人財產重置成本的保險範圍,Prentice Hall Inc,19,Umbrella Policies個人庇護保險,Cover liability costs after the underlying homeowners or auto policies have been

17、 exhausted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 Up to $10 million最高到一千萬美元 Exclusions for business, aircraft, and watercraft activities商業使用航空和航行均不在保障範圍內,Prentice Hall Inc,20,Insurance Needs你需要多少保險,Co-insurance and the “80% rule ”:共同保險與“80%法則”: Coverage restrictions保險範圍的限制 Assessing your unique insurance needs評估你

18、個人特殊的保險需要 Keeping insurance costs down使你的成本降低,Prentice Hall Inc,21,Coinsurance and the “80% Rule” ”:共同保險與“80%法則”,Dwelling must be insured to within 80% of the replacement cost至少要投保房屋重置成本的80% Coinsurance requires you to pay for a portion of the loss if you dont carry adequate insurance共同保險要求，當你不購買足夠的

19、保險金額時，保險公司要求你支付你所擁有損失的一部份,Prentice Hall Inc,22,If Not 80%, You Pay如果80%法則沒發生,In the event of the loss, you will receive the greater of: Actual cash value of the portion of the home lost 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 Insurance Coverage x Value of Loss 80% of Replacement Cost 所購買的保險金額 / 80%重置成本x損失金額

20、,Prentice Hall Inc,23,Coverage Restrictions承保範圍的限制,The amount paid by the insurance policy will not exceed the limit of your policy.重置成本的支付理賠，不得超出你保單的金額限制 You must rebuild on the same location.房屋必須重建在原來的地方 If you dont rebuild, the insurance company will only pay for the actual cash-value loss rather

21、 than the replacement value.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,Prentice Hall Inc,24,Consider Your Unique Insurance Needs考慮你特殊需求的保險,Cover the full replacement value of your home in case of a complete loss.足夠的保險去涵蓋損失發生時，房屋的重置成本 Protect yourself from inflation.包含對抗通貨膨脹 Determine if other structures or landsca

22、ping on the property have adequate coverage.若是有分離的建築物或精緻的造景，則需要特別的保障 Purchase additional insurance if part of your home is used as an office.若是房屋作為辦公室用，則要考慮額外的保險,Prentice Hall Inc,25,Consider Your Unique Insurance Needs (contd)考慮你特殊需求的保險(續,Purchase extra coverage for special situations like floods o

23、r earthquakes, if applicable.若是位在水災或地震的區域，則需要特別的保障 Cover the replacement value, not actual cash value, of your personal property.在個人財產方面，需要考慮重置成本而非現金價值 If renting, have adequate personal property coverage.假使是租屋，則須對個人財產作充分的保險,Prentice Hall Inc,26,Consider Your Unique Insurance Needs (contd)考慮你特殊需求的保險

24、(續,Consider extra coverage, or a floater policy, for valuable property such as paintings, jewelry, or collections.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 If assets exceed liability coverage, purchase more.假使資產遠大於保單負擔的責任保險，應考慮額外的保險,Prentice Hall Inc,27,Keeping Your Homeowners Insurance Costs Down使你

25、的房屋保險成本降低,Three basic factors determine policy cost.計算保單成本的三個基本要素 Select a financially sound insurer with low comparative costs.選擇有較低比較成本的金融保險公司 Consider other potential discounts and savings method.考慮其他潛在的折扣與節省方法,Prentice Hall Inc,28,Three Basic Factors Determine Policy Cost計算保單的基本因素,Location房屋的座落地

26、點 Type of structure建築的種類 Level of coverage保單的承保範圍,Prentice Hall Inc,29,Potential Discounts and Savings Methods潛在的折扣與節省方法,High deductibles高減免的折扣 Security systems/smoke detectors保全系統/煙熱警告器折扣 Multiple policy discounts多張保單折扣 Pay premiums annually每年支付保費,Prentice Hall Inc,30,Potential Discounts and Saving

27、s Methods (contd)潛在的折扣與節省方法,Shop around四處選購多比較 Ask for any other discounts爭取其他折扣 Consider a direct writer考慮直接承保人 Double check your policy再次確認你的保單,Prentice Hall Inc,31,Making Your Coverage Work進行你的要保動作,Keep an inventory establishing proof of ownership (preferably on videotape).製作一份完整的財產目錄(最好是以錄影帶製作)

28、Videotape the exterior of the home to value landscaping or condition.錄製包含房屋的外觀與風景以便於估計價值 Keep records concerning the value of your assets.僅可能將你擁有的財產價值記錄下來,Prentice Hall Inc,32,Recovering on a Liability or Property Loss損失事件的處理,Report your loss immediately.馬上通報你的損失 Make temporary repairs to protect yo

29、ur property.做臨時修護，以保護你的財產 Make a detailed list of everything lost or damaged. Use your inventory.運用你的財產清單，做一張詳細的損失表 Maintain records of the insurance settlement process.保持紀錄保險處理的過程 Confirm the adjusters estimate.確認調整估計,Prentice Hall Inc,33,The Personal Automobile Policy (PAP)個人汽車保單,30 million accide

30、nts in the U.S. annually, or about 1 accident for every 5 licensed drivers. When will it be your turn?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,Prentice Hall Inc,34,The Personal Automobile Policy (PAP)個人汽車保險,PAP Part A: Liability Coverage責任保險範圍 PAP Part B: Medical Expense Coverage醫療費用保險範圍 PAP

31、 Part C: Uninsured Motorists Protection Coverage無保險的駕駛人保護範圍 PAP Part D: Coverage for Damage to Your Car 汽車損害賠償保險範圍 Standard exclusions標準除外汽車保險範圍 No-fault insurance無過失保險,Prentice Hall Inc,35,PAP Part A: 個人汽車保險 A部分 Liability Coverage責任保險,Covers bodily injury losses包含身體的傷害損失 Covers property damage loss

32、es包含財產損害損失 Can be a combined single limit or a split-limit coverage可以是單一組合保險或分割限制保險 Most states require a minimum coverage多數的財產有承保範圍的限制 Covers losses due to a lawsuit 因為訴訟所產生的損失 Covers defense costs in civil trials in addition to your policy limits 民事訴訟相關的法律費用,Prentice Hall Inc,36,Auto Liability Spl

33、it-Coverage Insurance Limits汽車責任分割保險,100/300/50 $100,000 of bodily injury liability coverage per person身體傷害責任承保範圍每人$100,000 $300,000 of bodily injury liability coverage for each accident每次意外事故的身體傷害責任範圍$300,000 $50,000 of property damage liability coverage財產損壞責任$50,000,Prentice Hall Inc,37,Auto Liabi

34、lity Combined Single Limit Insurance汽車單一組合保險,100,000 Total liability insurance both bodily injury liability losses and property damage liability losses in an accident, regardless of the number of people involved. 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,Prentice Hall Inc,38,PAP Part B: 個人汽車

35、保險 B 部分Medical Expenses Coverage醫療費用保險範圍,Covers all reasonable medical costs and funeral expenses incurred, by the insured or the insureds family members within 3 years of an accident.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 Recommended coverage of $50,000.建議每人$50,000的保險額 Does not cover medi

36、cal expenses if injured by a vehicle not designed for public streets, but does provide coverage when walking.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,Prentice Hall Inc,39,PAP Part C: 個人汽車保險 C 部分Uninsured Motorists Protection無投保駕駛人保險,Provides coverage if injured by an uninsured motorist or a hit-an

37、d-run driver.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 The other driver must be at fault to collect on this coverage.對方駕駛必須是有過失的才能涵蓋在理賠範圍 Also covers costs in excess of the other drivers liability coverage, if inadequate to pay for your losses.保單中可以提供對方駕駛沒有投保足額責任險的部份,Prentice Hall Inc,40,PAP Part D: Comprehensive汽

38、車責任險 D 部分 Physical Damage Coverage綜合損害保險,Covers:範圍 Collision loss撞毀損失 Other than collision, or comprehensive physical damage其他撞毀或綜合損害損失 Collision covers regardless of fault. If the other driver was at fault and has liability, you should be able to recover losses without collision coverage.撞毀損失保險適用的範

39、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 Recommended limit is the vehicles cash-value; deductibles apply.建議限額為汽車的現金價值,Prentice Hall Inc,41,Personal Auto Insurance Coverage個人汽車保單,Prentice Hall Inc,42,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,Prentice Hall Inc,43,Personal Auto Insuranc

40、e Coverage (contd)個人汽車保單( 續,Prentice Hall Inc,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,Prentice Hall Inc,45,Standard Exclusions標準除外情況,Intentional injury or damage國際性的傷害或損失 Use without permission所使用的交通工具未經所有人同意 Vehicle has less than four wheels所使用的交通工具少於四輪 Someone elses vehicle provided on a regu

41、lar basis經常性駕駛別人的車 Own automobile, but not listed on your policy擁有汽車，但沒有列在你的保險單上 Carrying passengers for a fee運載乘客，並對乘客收取費用 Driving in a race or speed contest駕駛時有競速或比賽的情形,Prentice Hall Inc,46,No-Fault Insurance無過失保險,Only available in “no-fault” states.僅只適用於有 “無過失”規定的州 Your insurance pays for your lo

42、sses and their insurance pays for their losses no legal battles.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 Limits on claims, particularly medical, may not be adequate.在限額內理賠，特別是醫療費用，可能沒有充分的理賠 You can still sue their insurance for “pain and suffering.”你仍然可以向對方駕駛保險公司請求”傷害損失,Prentice Hall Inc,47,Buying Au

43、tomobile Insurance購買汽車保險,Determinants of the cost of automobile insurance決定汽車保險的成本 Keeping your costs for automobile insurance down壓低你的汽車保險成本,Prentice Hall Inc,48,Determinants of the Cost of Automobile Insurance決定汽車保險的成本,Type of automobile汽車種類 Use of automobile汽車的使用狀況 Your personal characteristics你的

44、個人特色 Your driving record你的駕駛紀錄 Where you live你的居住地 Discounts you qualify for你的適任資格折扣,Prentice Hall Inc,49,Keeping Your Costs for Automobile Insurance Down壓低你的汽車保險成本,Shop comparatively.選購並多比較 Consider only high-quality insurers.僅考慮高品質的保險業者 Use discounts.爭取折扣 Buy vehicles that are relatively inexpensi

45、ve to insure.購買相對保費較低的汽車 Improve your driving record.改善你的駕駛紀錄 Raise your deductibles.提昇你的可扣除額 Keep adequate liability insurance.維持適合的責任保險,Prentice Hall Inc,50,Filing a Claim Using Your Automobile Policy運用你的汽車保險提出索賠,Get help for the injured.幫忙或請求幫忙受傷的人 Move vehicle or put up flares.將車移至安全的地方或放置閃光訊號 Get the names of any witnesses.取得目擊者的姓名 Cooperate w