Lesson 108 Getting Insurance in America

Lesson 108:  Getting Insurance in America.  在美国买保险。                             

1) You will need automobile insurance to get a driver's license.  你需要购买汽车保险才能获得驾驶执照。           

2) How do I get that?  我怎样才能得到？                        

3) You will have to speak with an agent and apply for it, they will take payment and bind a policy for you.    你必须和代理人交谈并申请，他们会向你收取费用并为你制定保险单。                     

4)  Coverage will depend on your choices with the car but you will probably want comprehensive insurance on your vehicle. 保险范围将取决于你的选择与汽车，但你可能需要对你的汽车进行综合保险。                                    

5) What about health insurance?  那么医疗保险怎么办？                                          

6) You will need to visit with an agent. It can be a little complicated. 你将需要去拜访一个经纪人。这个可能会有点复杂。                               

7)  Your policy costs will depend on your deductible and of course pre-existing conditions.  你的保单费用将取决于你的免赔额和你现在的身体健康状况。                                        

8) The deductible is the amount of money that you spend before the coverage begins.  可扣除的是你在保险理赔开始前所花费的钱数。                           

9)  Co-pay generally means the amount of money you will have to spend for each visit to the doctor or hospital.  共同支付通常是指你每次去看医生或去医院时必须花费的金额。                 

10)  A family policy can cover parents and children under the same policy.  家庭保险可以包括父母和子女在同一份保单下。

11)  You can also purchase insurance for your vision, and for your dental expenses. 你也可以为你购买视力和牙科费用的保险。   

12)   What about home owner's insurance?   房屋保险怎么样？

13) You can buy home owner's insurance to cover damage to your home and its contents.  你可以购买房屋保险，以承保你的房屋及其内物品的损坏。  

14) Home owner's insurance can cover fire, and theft. In some cases you can add flood insurance too.  房屋的保险可以包括火灾和盗窃。在某些情况下，你也可以加上洪水保险。

15) I will definitely look into it!   我将会研究搞清楚这件事情。