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Glossary of car insurance coverage
Bodily Injury and Liability Insurance
This car insurance protects you from claims made against you which you are obligated to pay if you cause bodily injury to someone in a crash. This also covers your defense costs. Bodily Injury Liability limits usually specify 2 dollar amounts, the first amount limiting payments to a single person per accident and the second amount puts a cap on the total amount of payment for all persons injured per accident.
Collision Insurance
Collision coverage pays for the damage to your vehicle by collision with another vehicle or fixed objects like trees, signs, buildings, etc. This coverage is what gets invoked when the accident is your fault.
Comprehensive Coverage Insurance
This is your "fire and theft coverage, and covers damage to your car for anything other than a wreck, like tornados, floods, vandalism, theft, hitting a deer, etc.
Car Rental
If your vehicle is in the shop for more than a day for repairs resulting from an insurance claim, Many policies with this coverage will pay $15 or more per day for usually up to 30 days, or some maximum value to rent a car while you wait for repairs. Higher limits are available.
Full Glass
In many states, there is no deductible on windshields, because it's against state law to drive with a damaged windshield. But for the rest of your windows, you still have to pay your comprehensive deductible before they'll pay for any broken glass. You can pay more for Full Glass coverage to eliminate any deductibles for broken glass. Some companies give you full glass at no extra charge as a selling feature.
Medical Coverage
Covers medical expenses from your crash injuries and covered persons in your car, no matter who was at fault.
No-Fault, Personal Injury Protection (PIP)
In most no-fault states, PIP covers medical and rehab, work loss, funerals, and other expenses incurred by you, your family, passengers in your vehicle, and pedestrians injured by your vehicle. Not every state has this coverage, and it pays for damages regardless of who is at fault in the accident. That's why they call it no-fault.
Liability Coverage
Similar to Bodily Injury coverage. Liability covers only the damage caused by you to someone's property, car, fence, lawn, telephone pole, house, etc. When you are at fault in a wreck, this coverage is invoked when the other driver makes a claim against your insurance to repair their car.
Towing
If your car breaks down, this coverage will pay for a tow truck or roadside assistance to get your car going again. This usually pays about $50-$75.
Underinsured or Uninsured Motorist
One of my personal favorites. I think EVERYONE should have this coverage, because it protects us from all the loser morons out there who refuse to insure their cars. Here in Florida, uninsured drivers is worse than a problem, it's a plague. I know so many people who got burnt royally because of uninsured drivers. In Florida you have to show proof of insurance to renew your tags. But many people just take out a policy, send in proof to the state, then let the policy lapse after a month, and then the policy gets canceled. If I was king, the insurance companies would notify the state, who would then send a tow truck to impound these losers' cars, and they don't get them back until they renew the auto insurance, and pay the towing fees on top of that. Underinsured Motorist pays for your injuries up to the policy limit when the other driver either has no insurance, or their lame coverage can't pay for you injuries or property damage. This coverage usually includes hit and run drivers as well.
法律规定：无保险上路是违法的。
英语口语中第三保是：Liability，全保含Loss and Damage，叫 Full Coverage，保费的英语是 Premium，保费一般含税。保险公司称Insurer,被保人称Insured.
索赔（Claim）：保险客户要求保险公司按保单支付赔偿。
碰撞赔偿（Collision）：这包括保险客户的汽车任何碰撞造成的毁坏。包括与其他车辆、灯柱、栏杆及车库墙的碰撞等等。
综合险（Comprehensive）：这只针对保险客户损坏的汽车，不包括其它的汽车。包括火灾、偷盗、坠物、导弹、爆炸、 地震、洪水、暴乱及民众骚乱。
自负额（Deductible）：在车祸中，你同意自己支付部分费用。在车祸中，如果是你的过失，那将是高自负额低赔偿金。
保险批单（Endorsements）：原保险合同的替换样本。
特别保险（Extraordinary）：医疗保险有时候包括个人伤害保护保险，如果你在车祸中受伤，需要一系列或长时间的治疗，此保险能保证你获得医疗赔偿金。
全保（Full Coverage）：此保险指出根据你的居住状况，有最低限度的保险额度。这并不意味着保险公司总会支付赔偿金。
收入损失险（Income Loss Coverage）：有时候，作为个人伤害保护保险的一部分，如果你因为车祸不能工作，收入损失险会赔偿你的收入损失。
损失赔偿（Indemnity）：损失保险的预付数额。
限额（Limits）：保险公司对你的损失赔偿的最高金额。在许多情况下，保险公司还有最低限额。
医疗保险（Medical Payments）或个人伤害保护保险（PIP）：包括投保人汽车里的司机和乘客医疗费用。更广一点说，PIP包括车祸中受伤人员丢失包裹的损失。
也可以扩展到，投保人被其他的车辆撞伤，或走路时被汽车撞伤。
无过失保险（No-Fault Insurance）：为了投保人能收到赔偿，无过失保险通常不要求指明是谁的过失。在无过失情况下， 要求保险公司有这种保险。
财产损失保险（Property Damage Liability）：支付投保人对他人财产造成的损失。
SR-22：在交通违章事件中提供经济责任证据的文件。
损失赔偿（Tort）：是一法律条款，此条款指出某人对受伤人员或他人财产负法律责任。
Bodily Injury and Liability Insurance
This car insurance protects you from claims made against you which you are obligated to pay if you cause bodily injury to someone in a crash. This also covers your defense costs. Bodily Injury Liability limits usually specify 2 dollar amounts, the first amount limiting payments to a single person per accident and the second amount puts a cap on the total amount of payment for all persons injured per accident.
Collision Insurance
Collision coverage pays for the damage to your vehicle by collision with another vehicle or fixed objects like trees, signs, buildings, etc. This coverage is what gets invoked when the accident is your fault.
Comprehensive Coverage Insurance
This is your "fire and theft coverage, and covers damage to your car for anything other than a wreck, like tornados, floods, vandalism, theft, hitting a deer, etc.
Car Rental
If your vehicle is in the shop for more than a day for repairs resulting from an insurance claim, Many policies with this coverage will pay $15 or more per day for usually up to 30 days, or some maximum value to rent a car while you wait for repairs. Higher limits are available.
Full Glass
In many states, there is no deductible on windshields, because it's against state law to drive with a damaged windshield. But for the rest of your windows, you still have to pay your comprehensive deductible before they'll pay for any broken glass. You can pay more for Full Glass coverage to eliminate any deductibles for broken glass. Some companies give you full glass at no extra charge as a selling feature.
Medical Coverage
Covers medical expenses from your crash injuries and covered persons in your car, no matter who was at fault.
No-Fault, Personal Injury Protection (PIP)
In most no-fault states, PIP covers medical and rehab, work loss, funerals, and other expenses incurred by you, your family, passengers in your vehicle, and pedestrians injured by your vehicle. Not every state has this coverage, and it pays for damages regardless of who is at fault in the accident. That's why they call it no-fault.
Liability Coverage
Similar to Bodily Injury coverage. Liability covers only the damage caused by you to someone's property, car, fence, lawn, telephone pole, house, etc. When you are at fault in a wreck, this coverage is invoked when the other driver makes a claim against your insurance to repair their car.
Towing
If your car breaks down, this coverage will pay for a tow truck or roadside assistance to get your car going again. This usually pays about $50-$75.
Underinsured or Uninsured Motorist
One of my personal favorites. I think EVERYONE should have this coverage, because it protects us from all the loser morons out there who refuse to insure their cars. Here in Florida, uninsured drivers is worse than a problem, it's a plague. I know so many people who got burnt royally because of uninsured drivers. In Florida you have to show proof of insurance to renew your tags. But many people just take out a policy, send in proof to the state, then let the policy lapse after a month, and then the policy gets canceled. If I was king, the insurance companies would notify the state, who would then send a tow truck to impound these losers' cars, and they don't get them back until they renew the auto insurance, and pay the towing fees on top of that. Underinsured Motorist pays for your injuries up to the policy limit when the other driver either has no insurance, or their lame coverage can't pay for you injuries or property damage. This coverage usually includes hit and run drivers as well.
法律规定：无保险上路是违法的。
英语口语中第三保是：Liability，全保含Loss and Damage，叫 Full Coverage，保费的英语是 Premium，保费一般含税。保险公司称Insurer,被保人称Insured.
索赔（Claim）：保险客户要求保险公司按保单支付赔偿。
碰撞赔偿（Collision）：这包括保险客户的汽车任何碰撞造成的毁坏。包括与其他车辆、灯柱、栏杆及车库墙的碰撞等等。
综合险（Comprehensive）：这只针对保险客户损坏的汽车，不包括其它的汽车。包括火灾、偷盗、坠物、导弹、爆炸、 地震、洪水、暴乱及民众骚乱。
自负额（Deductible）：在车祸中，你同意自己支付部分费用。在车祸中，如果是你的过失，那将是高自负额低赔偿金。
保险批单（Endorsements）：原保险合同的替换样本。
特别保险（Extraordinary）：医疗保险有时候包括个人伤害保护保险，如果你在车祸中受伤，需要一系列或长时间的治疗，此保险能保证你获得医疗赔偿金。
全保（Full Coverage）：此保险指出根据你的居住状况，有最低限度的保险额度。这并不意味着保险公司总会支付赔偿金。
收入损失险（Income Loss Coverage）：有时候，作为个人伤害保护保险的一部分，如果你因为车祸不能工作，收入损失险会赔偿你的收入损失。
损失赔偿（Indemnity）：损失保险的预付数额。
限额（Limits）：保险公司对你的损失赔偿的最高金额。在许多情况下，保险公司还有最低限额。
医疗保险（Medical Payments）或个人伤害保护保险（PIP）：包括投保人汽车里的司机和乘客医疗费用。更广一点说，PIP包括车祸中受伤人员丢失包裹的损失。
也可以扩展到，投保人被其他的车辆撞伤，或走路时被汽车撞伤。
无过失保险（No-Fault Insurance）：为了投保人能收到赔偿，无过失保险通常不要求指明是谁的过失。在无过失情况下， 要求保险公司有这种保险。
财产损失保险（Property Damage Liability）：支付投保人对他人财产造成的损失。
SR-22：在交通违章事件中提供经济责任证据的文件。
损失赔偿（Tort）：是一法律条款，此条款指出某人对受伤人员或他人财产负法律责任。
