| 问： |
什么是责任险(Liability to others)？ |
| 答： | 责任险包括人身伤亡（Bodily Injury）和财产损失（Property
Damage）。 这项保险是必须要买的，如果车祸发生了，责任在己方(您自己)，那么您的责任险将对有损失的他方给予赔偿。如果您只有责任险，那么您的损失将由您自己负责。 人身伤亡保险（每人/每车祸）的额度（$1000）分为： 25/50, 50/100, 100/300, 250/500 或更高。 财产损失保险的额度（$1000）分为：25，50，100，250，或更高 |
| 问： |
什么是人身伤亡保护（Personal Injury Protection）？
|
| 答： | 这项保险没有责任问题，凡是在被保人的车内的人有伤亡（不管是被保人还是乘客），保险公司会根据实际情况向受伤人进行赔偿，但不会超过被保人所选的额度（$10,000
或 $35,000）。 |
| 问： |
什么是保险额不足（Underinsured Motorist
）？ |
| 答： | 保险额不足包括人身伤亡（Bodily Injury ）和财产损失（Property
Damage） 如果被保人和他人发生车祸，责任在他人，但是他人责任险太低，不能完全赔偿您的损失，保险公司会按照您的 Underinsured Motorist 额度赔偿他人责任险不能赔偿您的那一部分，通常用户要承担一部分损失（deduction）：$100 如果他人开车把您撞了，并且跑掉了，保险公司也会按照您所选的额度对您进行赔偿，通常用户要承担一部分损失（deduction）：$300 |
| 问： |
什么是综合保险（Comprehensive /Other than
collision）即车祸以外的保险？ |
| 答： | 这项保险是保险公司向用户提供的按照财产损失的实际价值进行赔偿的保险，它只限于停着汽车，比如：用户的汽车停在停车场，车库等。 通常用户要承担一部分损失（deduction：$100,$200, $250, $500, $1000, $2000, $2500...），用户所承担的部分越多，在这项保险保费就越低。 |
| 问： |
什么是车祸保险（Collision）？ |
| 答： | 这项保险是保险公司向用户提供的按照财产损失的实际价值进行赔偿的保险，它只限于开动的汽车，比如：用户的汽车和其他车相撞，和动物相撞等。 通常用户要承担一部分损失（deduction：$100,$200, $250, $500, $1000, $2000, $2500...），用户所承担的部分越多，在这项保险保费就越低。 如果车祸发生的主要原因是在他人，那么他人的责任险会对您的损失进行赔偿。尽管如此在您的驾车记录上还会有记录，而且会影响您3-5年的保险。 |
| 问： |
什么是拖车保险 （Towing）？ |
| 答： | 这项保险是保险公司向用户提供得拖车服务，如果用户的汽车在路途中抛锚，用户可以给保险公司打电话，保险公司会派人去把车拖到离事发地点最近的一个修理厂。 |
| 问： |
什么是租车保险（Loss of Use）？ |
| 答： | 用户的汽车在维修期间，保险公司按照您所选定的额度给您报销您的租车费用。一般来讲，如果您没有Comprehensive
和 Collision, 保险公司是不向用户提供这厢保险的。 |
| 问： |
如果我出差或到其它的地方去旅游几个月，我不需要开自己的车，我是否需要取消我的车保险？ |
| 答： |
您没有必要取消您的车保险，您可以把您的车保险改成Comprehensive Only（这项保险很便宜），这样一来您的车不但还有保险（防止被偷、被盗等），而且等到您假期完了以后您能很简单的恢复您的车保险；否则的话，您还得和您的保险公司联系重新进行报价。 |
Health Insurance FAQ 【健康保险问与答】
| What does PPO Mean? | PPO stands for Preferred Provider Organization. This type of insurance will
normally require you to visit doctors within a certain network in order to
receive insurance coverage. This type of plan normally will have a deductible and may include a co-payment for doctor visits. |
| What does HMO Mean? |
HMO stands for Health Maintenance Organization. While this type of insurance is generally much more affordable, there are more restrictions than a PPO plan. The network of available health care providers may be smaller and you will need to select a Primary Physician. However, there are usually no deductibles and co-payments for HMO plans are normally lower than PPO co-payments. |
| What does co-insurance mean? |
Co-Insurance is separate from your deductible and any co-payments you may be required to provide. This amount can range anywhere from 10% to 80%, depending on your health insurance provider. For example, your doctor performs a procedure that costs $500. You are required to provide a 10% co-insurance payment. This means that you would need to provide $50 and the insurance company will provide the remaining $450. |
| What is co-payment? |
A co-payment is a charge that will be agreed upon between you and insurance company before you purchase your plan. This co-payment may range anywhere from $15 to $50, depending on the insurance company. Your insurance company may require you to provide this co-payment for doctor’s visits or for prescription medications. |
| What is deductible? |
A health insurance deductible is a set dollar amount. Any expenses occurred before this deductible is met will need to come out of your pocket. Once you have met your deductible, the costs will then be covered by your health insurance provider. For example, if your deductible is $250, and your first doctor’s visit is $245, you will be responsible for this amount. However, your next visit will be covered by your insurance company. |