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ID:21866517
大小:331.00 KB
页数:226页
时间:2018-10-25
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1、Property&CasualtyInsurance(Fire;Automobile;Marine;CasualtyInsurance)财产及意外保险(火险;车险;水险;意外险)MajorReferenceGeorgeE3>.RejdaEighthEdition(2003)高应大金融系谢坤民编著PARTTHREEPersonalPropertyandLiabilityRisksChapter7TheLiabilityRisk责任风险Chapter8HomeownersInsurance-SectionI住宅综合险Chapter9HomeownersIn
2、surance-SectionI住宅综合险Chapter10AutomobileInsurance汽车保险Chapter11AutomobileandSocietyChapter12OtherPropertyandLiabilityInsuranceCoveragesChapter10AutomobileInsurance汽车保险(一)Overviewofpersonalautopolicy(1)EligibleVehicles合格车辆:包括privatepassengerauto,自用轿车stationwagon,sportutilityvehicle旅行车
3、跑车,等为被保险人所有(2)Yourcoveredauto被保险汽车1.showninthedeclaration声明事项记载2.anewlyacquiredauto新购得汽车:取得14天内通知保险人3.atrailerownedbythenamedinsured:列名被保险人所有之拖车4.atemporarysubstitutevehicles临时替代之车辆(3)SummaryofPAPCoverages汇总承保范围1.PartA:Liabilitycoverage责任险2.PartB:Medicalpaymentscoverage医疗费用险3.PartC:
4、Uninsuredmotoristscoverage未保险驾驶人保险4.PartD:Coveragefordamagetoyourauto车体损失险5.PartE:Dutiesafteranaccidentorloss事故或损失发生之责任6.PartF:Generalprovisions一般条款(二)PartA:LiabilityCoverage责任险Coveredpersonagainstasuitorclaimarisingoutofthenegligentownershiporoperationofacoveredvehicle由於汽车所有人或驾驶人因过
5、失所致第三人之理赔或诉讼.(1)Insuringagreement承保范围1.Splitlimit分项限额:250,000每一个人伤亡/50,000每一事故伤亡/100,000每一事故财物损失/100,0002.singlelimit单一限额:SL500,000不分伤亡或财损累积至500,000为止(2)Insuredpersons被保险人1.列名被保险人及其同居家属2.被保险人允许使用之人3.代表被保险人执行职务之人4.依法应负赔偿责任之人(3)Supplementarypayments额外给付1.保释金$2502.上诉权利金3.判决之利息4.每日收入损失$
6、2005.其他合理费用(4)Exclusions不保事项1.Intentionalinjuryordamage故意行为2.propertyownedoftransported被运送中3.Propertyrented,used,orintheinsured租用4.Bodilyinjurytoanemployee员工体伤5.Useasapublicorliveryconveyance公共运送6.Vehiclesusedintheautomobilebusiness营业7.Otherbusinessvehicles营业车辆8.Usingavehiclewithout
7、reasonablebeliefofpermission未经允许驾车9.Nuclearenergyexclusion核子辐射10.Vehiclefurnishedormadeavailableforthenamedinsured’sregularuse非正常使用12.Racingvehicle当成比赛用车(三)PartB:MedicalPaymentCoverage医疗费用保险(1)Insuringagreement承保范围事故发生后三年内所发生之合理医疗费用及丧葬费用(2)Insuredpersons被保险人1.列名被保险人及其同居家属2.使用被保险汽车之人
8、(3)Exclusions不保事项1.
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