Unit 22 Auto Insurance 汽车专业英语教学课件.pptVIP

Unit 22 Auto Insurance Unit 22 Auto Insurance Auto Insurance Coverage Types Liability coverage is the primary—and usually mandatory—part of the auto insurance equation. Liability means what the word implies: It saves your bank balance when youre liable for destroying someone elses car or body parts[1]. South Carolina, Virginia, Tennessee, New Hampshire, and Wisconsin are the five states that do not require liability. Unit 22 Auto Insurance The other key insurance types are collision and comprehensive. Theyre expensive and theyre usually optional. Liability pays the bills for damage you cause to the other party; collision covers damage done to your own car. In simplified terms, buying collision insurance can be thought of paying someone to save you from yourself. The safer you drive, the less necessary it becomes. Unit 22 Auto Insurance Comprehensive coverage protects against any unforeseen disaster that doesnt relate to crashing, i.e. theft, vandalism, fire, ice, earthquakes, falling trees, volcanic eruptions, etc. Sometimes it can be fuzzy; hitting a deer theoretically falls under comprehensive[2]. But if you live in decent climates, the key word there is probably vandalism. Those in good-climate, low-theft areas may not need this at all. Unit 22 Auto Insurance Collision and comprehensive are optional except in the case of new leased or financed cars you dont own. Understandably, no lessor wants your problems to become his problems. Unit 22 Auto Insurance Uninsured/Underinsured motorist coverage, required by most states, is always a good idea knowing that 17% of drivers out there dont have any insurance, and a lot of the rest probably skimp by on the sometimes-inadequate state minimums. This usually varies in tandem with the body injury part of liability. Dont sweat it too much, as the premium is a mere fraction of liability. Unit 22 Auto Insurance Unit 22 Auto Insurance Personal Injury Protection (PIP) or Medical Payments (MedPay) pr