第三章 保险 (Insurance)
第一节 保险基本知识
(A Basic Knowledge of Insurance)
一、保险 (Insurance)
·从法学和经济学的角度看 in law or economics
·规避承受某种意外损失的风险
hedge against the risk of a contingent loss
·损失风险的公平转移 ['ekwitəbl] [kən'tindʒənt]
equitable transfer of the risk of a loss
·保险人 an insurer 被保险人 an insured
·毁灭性损失 devastating loss ['devəsteitiŋ]
·保险费率 insurance rate
·保险费 premium ['pri:miəm]
·承保范围，保险范围 insurance coverage
·独立的研究与实践领域 [dis'kri:t]
a discrete field of study and practice
二、保险合同 (Insurance Contract)
·受益人 beneficiary [,beni'fiʃəri]
·承保期，保险期 the period of coverage
·保险金额 the amount of coverage
·除外责任条款 exclusions [ik'sklu:ʒənz]
三、保险单 (Insurance Policy) ['pɔlisi]
·财务损失 financial loss
·履行合同承诺 fulfill a contractual undertaking
·由于公共责任或财产损失而对某家公司或某一个人采取法律行动。
Legal action is taken against a company or an individual on account of public liability or damage to property.
·保险中投保最多的一种，是针对火灾、故意破坏或盗窃深圳公务员考试官网等财产的意外事故险。 that=insurance
One of the most widely ud insurances is that of property against such contingencies as fire, vandalism or theft. ['vændəlizəm] [θeft]
·承担某一大型建筑项目
undertake a large construction project
·面临重大的财产损失，甚至是破产
face a major financial loss, or even bankruptcy ['bæŋkrəptsi]
·建筑保单的措辞表达相互之间差异很大。
The construction policy wordings differ greatly from one another.
·这是法律强制性要求的。 [kəm'pʌlsəri]
It’s compulsory by law. 义务的，强制性的
·汽车保险 motor insurance
·雇主责任保险 employer’s liability insurance
·公共责任保险 public liability insurance
·承保范围 the extent of cover [ik'stent]
·爆发战争 the outbreak of war
四、保险种类 (Types of Insurance)
（一）公共责任保险 (Public Liability Insurance)
·be held liable for sth. 对某事负有责任
be (legally) liable to do sth. （在法律上）有责任做某事
·damages awarded against the insured
大葱能壮阳吗
判决由被保险人承担的损失赔偿费
damages awarded to the insured
附魔师将损失赔偿费判给了被保险人
·保险单对第三方的人身伤害（包括死亡，疾病，事故等）提供保障。
The policy protects against bodily injury to third parties including death, illness, accident, etc.
·必须保护被保险人使之免于因财产遭受损失或损坏而引起的责任。
The insured must be protected against liability arising from海天上等蚝油 loss or damage to property.
·与伤害直接相关的裁定金额必须包括在内。
Awards directly related to the injury must be covered.
·这里要提示一下，有一种叫做延续保险的保单可为合同期满后六个月内出现的责任提供保障。
It should be noted here that policies known as run-off policies are available to cover liability arising up to six months after the completion of contract.
（二）工人意外伤害保险 (Insurance for Accident Injury to Workers)
·雇主责任保险单的目的，是保护承包商对其雇员在聘期内发生事故或患病时免于任何法律责任。 sustain ①承受 ②维持
The purpo of an employer’s liability insurance policy is to protect the contractor against any legal liability for accidents to, or dias sustained by, the contractor’s em
ployees in the cour of their employment.
欧体字帖
·关于是否……在法律上存在着一个灰色地带。
There is a “grey” area in the law as to whether or not …
·承包商将得到保护，免于承担因人身伤害或疾病引起的索赔责任。所有的法律费用、谈判费用以及理赔中所发生的各种费用都应涵盖在保单范围之内。
The contractor is protected againsthear过去分词 any claims for bodily injury or dia. All legal and negotiation costs as well as expens incurred in ttling the claim should be covered by the policy.
·和所有的保单一样，支付赔偿费是有先决条件的阅读方法六种。
As with all policies, certain conditions have to be met before any payments are made.
（三）承包商全险保险 (Contractor’s All Risks Insurance) CAR
·承包商全险保险针对承包的工程、建筑设备和建筑材料的损失或损坏，以及针对土木工程项目实施中所发生的财产损失或人身伤害所引起的第三方索赔，提供了广泛而充分的保障。
Contractor’s All Risks Insurance (CAR) offers
comprehensive and adequate protection against loss or damage in respect of contract works, construction plant and equipment and/or construction materials, as well as third party claim in respect of property damage or bodily injury arising in connection with the execution of a civil engineering project.
·它有助于降低总体施工费用。
It contributes to reducing the overall construction expens.
·它包括了火灾、雷电、爆炸、洪灾、雨灾、雪灾、地震、失窃、劣质工艺、疏忽和人为过失等。
It covers the risk of fire, lighting, explosion, flood, rain, snow, earthquake, theft, bad workmanship, negligence, human error etc.
·间接损失保险 [,kɔnsi'kwenʃəl]
conquential loss insurance
（四）运输车辆保险 (Vehicle Insurance)
·运输车辆保险的主要作用是为因交通事故而引起的各类损失和事故发生引起的责任提供保障。
The primary u of vehicle insurance is to provide protection against loss incurred as a result of accident and against liability that could be incurred in an accident.
·乘坐被保险车辆的人员的人身伤害
injuries to persons riding in the insured vehicle
·无过失汽车保险 No Fault Auto Insurance
·车辆可以在盗窃、火灾损害或交通损害独立进行投标。
A vehicle can be insured against theft, fire damage or accident damage independently.
·Different policies specify the circumstance under which each item is covered.
>友谊的格言
