Property and Liability Insurance

1、Property and Liability Insurance財產及責任保險Prentice Hall Inc.2Homeowners 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Prent

2、ice Hall Inc.3Six 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: Modified cove

3、rage older homes homeowners insurance修繕保險-舊屋所有人保險Prentice Hall Inc.4HO-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.5HO-2: Broad Form Homeowners Insurance一般式房屋保險Covers only named perils僅承保列舉的危險Costs a

4、bout 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.6HO-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 nuclear accidents被排除的危險有水災、地

5、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.7HO-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承保的對象為租屋人Covers personal property

6、 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.8HO-6: Condominium Owners Insurance共同管轄公寓所有人保險Similar to HO-4 coverage, same perils for personal property as HO-2保險範圍與H

7、O-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.9HO-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保險箱類似，或是列舉危險Insures the dwelling for

8、 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.10Policy Coverage Sections保險範圍Section I: Property coverage保險範圍：財產保險Section II: Personal liability coverage保險範圍II: 個人責任保險Prentice Hall Inc.11Sec

9、tion 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.12Section I Coverage A: Dwelling第一部份範圍A：住宅Protects the dwelling and any attachments房屋與任何附屬物的保障Does not cover any da

10、mage to the land不包括土地的損害Prentice Hall Inc.13Section 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% of the homes coverage限制在房屋保險總額的10% Does not cover other

11、structures used for business purposes額外之建物為商業用途者亦不包括Prentice Hall Inc.14Section 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 location不管財產的落座地Covers property of guests in your home賓客在你的房屋內的

12、個人財產Prentice Hall Inc.15Section 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 Anima

13、ls, birds, and fish are excluded不包括動物，鳥，和魚Prentice Hall Inc.16Section 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 on 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：Addit

14、ional 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.17Section 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導致的傷害Minimum level of coverage is $100,000責任線最低水準為$100,000Medical payments

15、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.18Supplemental Coverage (Endorsements)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

16、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.19Umbrella Policies個人庇護保險Cover liability costs after the underlying homeowners or auto policies have been 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, a

17、ircraft, and watercraft activities商業使用航空和航行均不在保障範圍內Prentice Hall Inc.20Insurance 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評估你個人特殊的保險需要Keeping insurance costs down使你的成本降低Prentice Hall Inc.21Coinsurance and the “80% Rule

18、” ”: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.22If Not 80%, You Pay如果80%法則沒發生In the event of the los

19、s, 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 Loss80% of Replacement Cost所購買的保險金額 / 80%重置成本x損失金額 Prentice Hall Inc.23Coverage Restrictions承保範圍的限制The amount paid by the insurance policy will not exceed

20、 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 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.24Consider Your Unique Insurance Ne

21、eds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 landscaping 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

22、 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.25Consider Your Unique Insurance Needs (contd)考慮你特殊需求的保險(續)Purchase extra coverage for special situations like floods or 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 person

23、al 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.26Consider Your Unique Insurance Needs (contd)考慮你特殊需求的保險(續)Consider extra coverage, or a floater policy, for valuable property such as paintings, jewelry, or collections.假使有其他財

24、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.27Keeping Your Homeowners Insurance Costs Down使你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 cos

25、ts.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.28Three Basic Factors Determine Policy Cost計算保單的基本因素Location房屋的座落地點Type of structure建築的種類Level of coverage保單的承保範圍Prentice Hall Inc.29Potential Discounts and Savings Methods潛在的折扣與節省方法High deductib

26、les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.30Potential Discounts and Savings 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

27、保單Prentice Hall Inc.31Making 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)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

28、價值記錄下來Prentice Hall Inc.32Recovering 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 your 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 sett

29、lement 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.33The Personal Automobile Policy (PAP)個人汽車保單30 million accidents 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? Prenti

30、ce Hall Inc.34The 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 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

31、過失保險Prentice Hall Inc.35PAP 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 losses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

32、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.36Auto Liability Split-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 eac

33、h 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$50,000Prentice Hall Inc.37Auto Liability Combined Single Limit Insurance汽車單一組合保險 $100,000Total liability insurance both bodily injury liability losses and property damage liability losses in an accident, regardless

34、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.38PAP Part B: 個人汽車保險 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 acciden

35、t.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 medical 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.39PAP Part C:

36、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-and-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 covera

37、ge, 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.40PAP Part D: Comprehensive汽車責任險 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

38、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.41Personal Auto Insurance Coverage個人汽車保單 Bod

39、ily Injury Liability(Part A)Medical Expenses(Part B)Uninsured Motorists(Part C)Bodily Insurance CoveragePrentice 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.43Personal Auto Insurance Coverage (contd)個人汽車保單( 續) Property Damage Liability(Part A)Collision(Part D)Comprehensive Ph

40、ysicalDamage(Part D)Property Damage CoveragePrentice 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.45Standard 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

41、on a regular 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.46No-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

42、losses 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.47Buying Aut

43、omobile 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.48Determinants 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你的個人特色Your

44、 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.49Keeping 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 inexpensive to insure.購買相對

45、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.50Filing 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 witnesse