商务英语综合教程（上册）Unit_14_Insurance教材教学课件.ppt

Unit Fourteen ;Introduction; Text ; 1 The daily news often carries reports like these: “Floods have caused widespread damage in parts of the United States.” “The crime rate in the United States, especially that of burglary and theft, is on the increase.” “Injuries due to home accidents account for many serious losses.” “The number of jobless Americans rises due to a lack of work.” “An airline crash kills 278 passengers.” “Fire has damaged a neighborhood of expensive homes.” “Local teenager is killed in a head-on collision.” ; 2 Each of these events resulted in serious loss to many people. Some of the loss was property, and could be partly replaced. Other events, however, caused serious injury – even loss of life – to people. No amount of money can bring those people back to life, but insurance can help relieve some of the financial strain on their survivors. ; 3 Insurance is a necessity for everyone in our society because it provides financial protection against unexpected misfortune.; 4 A person may suffer a loss at any time. Not all people are likely to suffer the same losses at one time, however. Insurance is based on that general rule. Therefore, when people who face the same kind of risk buy insurance, each contributes a small sum of money to a fund. Payments from the fund are made only to those who actually suffer a loss. ; 5 When people pool their money in this way, they are sharing the risk. Sharing the risk does not eliminate the risk, but it does help to spread the loss over many people and to pay those individuals who do suffer a loss. Spreading of any loss over a large number of people by sharing the risk is another basic principle underlying all insurance. Alfred Brink’s house caught on fire and the damage amounted to $10,000. Mr. Brink would have to pay the entire cost of the damage himself unless he had fire protection. But if Mr. Brink had insur