事故后与保险公司通话时的理赔、保障、责任表达。
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My car got hit while parked — I’d like to file a claim.
我的车停着被撞了,我想申请理赔。
My flight was canceled and I lost two nights — I’d like to file a claim on my travel insurance.
航班取消了,我损失了两晚住宿,我想用旅行保险申请理赔。
"file a claim"=申请理赔。事故后尽快办理更有利。
Hi, I need to report an accident from this morning.
您好,我要报一起今天早上的事故。
A tree fell on the garage roof, so I need to report an accident to my home insurer.
一棵树倒在车库屋顶上,我要向房屋保险公司报一起事故。
给保险公司打电话时的开场。准备好平静地说明经过。
Sure — here is my policy number: it starts with A-7.
好的,这是我的保单号,以 A-7 开头。
Let me pull up the account — here is my policy number from the renewal letter.
我打开账户看一下,这是续保通知书上的保单号。
"policy number"=保单号。通话一开始几乎都会问,先备好。
Before I repair it — what’s my deductible on this claim?
修之前问一下,这次理赔我的自付额是多少?
The screen cracked and a new one costs about a hundred — what’s my deductible?
屏幕裂了,换新的大约要一百块,我的自付额是多少?
"deductible"=自付额。损失低于它时理赔可能不划算。
A pipe burst and flooded the floor — is this covered?
水管爆了把地板淹了,这个在保障范围内吗?
My suitcase got lost on the way home — is this covered under the travel policy?
回家路上我的行李箱丢了,这个在旅行保险的保障范围内吗?
"covered"=在保障内。保障内容叫 "coverage",除外叫 "exclusion"。
I have the photos ready — when will the adjuster come to inspect it?
照片我准备好了,定损员什么时候来查看?
The contractor needs an estimate first — when will the adjuster come out to the house?
施工方说要先出报价,定损员什么时候来房子这边?
"adjuster"=定损/理赔员。定损后才确定赔付金额。
I don’t understand why — my claim was denied. Can you explain?
我不明白为什么,我的理赔被拒了,能解释一下吗?
They said the damage was pre-existing, so my claim was denied in the letter.
他们说损坏是原本就有的,所以在信里我的理赔被拒了。
被拒时可索要书面理由,并提出 "appeal"(申诉)。
I paid the hotel out of pocket — can I get reimbursed?
酒店费我先自己垫了,我能拿到报销吗?
I covered the towing fee at the scene — can I get reimbursed for that?
在现场我自己付了拖车费,那笔钱我能拿到报销吗?
"reimburse"=先垫付后报销,需保留收据。
They ran the red light — it wasn’t my fault.
是对方闯的红灯,不是我的责任。
I was fully stopped when they rear-ended me — it wasn’t my fault.
我完全停住了,他们从后面追尾,不是我的责任。
"fault"=过失,"liable"=法律责任。事故责任比例会影响赔付。