Insurance Payment
Dialogue 1
-Well,Clerk.My policy covers my house against fire,right?
-Correct.
-And there is fire and my house burns to the ground.
-Absolutely.
-I consult an architect,and it is estimqated that it will cost $350,000 to reconstruct the house as it was before the fire.But will you only contribute $200,000 to the cost of rebuilding?
-You know,an axiom of insurance is indemnity.That's to say the insured cannot expect to make a profit out of the insurance contract.
-But you know,~
-I see.I see.But the premium is $3 per $1,000 of cover and you pay $250 premium per annum.Why?
-I reckoned my house was worth $200,000.
-That's it.Your policy covers a house worth $200,000.And according to he contract,my copany can only pay you that sum.
-Well ,I understand now.
Dialogue 2
-I'm sorry for your loss.But there's nothing we can do for you.
-Are you kidding?I pay my premium regularly.There is a fire,and I lost everything.
-Listen,Mr.Ma.In the proposal form you were asked whether any inflammable matereials were stored on the premises.You said "no".But we found that a ground floor storeroom was used to store drems of petrol.
-And you think I burned my own business premises with these drums of petrol?
-I don't mean that.But the most good faith is one of the principles of insurance.What could we insure if everybody lied to us?
-You are exaggerating the very fact.It's unfair.I cannot accept that.
-Who is exaggerating?
-I will sue you.
Dialogue 3
-Auto Accident Department.
-Hello.This is Li Xiaohong.
-How are you now?
-My neck hurts,I can't work,and my life is in turmoil.
-I'm sorry to hear that.Anything I can do for you?
-I want to get paid for all my expenses:auto repairs,medical and chiropractic treatent,lost wages and lost opportunities.
-Do you have any idea about the sum of money we may pay?
-Well,it will be no less that $55,000,I suppose.
-You've asked for $55,000.Come on now,you know that's not realistic.
-OK,so you tell me what you think it's worth?I'd really like to settle the claim.
-No more that $12,000.And that's our best offer.We have taken everything into account for you.
-But auto repair alone will cost at least $11,000.For three months,I cannot work and have to see y doctor often.
-Then how about $16,000 ?This time,no more;otherwise my company will go broken.
-OK.I will settle for it.I do hope that I can be as soon as possible.
-Never mind.I'll see to it.Good-bye.
-Thank you.Good-bye.
Dialogue 4
-Fire department.
-Hello.This is Mr.Cao Ke Liang,a client of your company.
-OK.Let me look up your record in my computer.Yes,Mr.Cao Keliang.Six years ago,you reported a fire.
-Absolutely.And I also said that I would get my house rebuilt.Now I call to recover the replacement cost holdback.
-You call to claim to be compensated for the losses you suffered fire six years ago?
-Yes?Is there anything wrong?
-Unbelievable.And where have you been living in since then?
-In my old house,of course.You know within a month of the fire,I notified your company that I intended to rebuild the house and would be making a claim for the replacement cost of the house.
-But the facts show no justification for the delay and no express agreement by the insurer to allow replacement after such a long delay.Six-year delay in replacing the property was really unreasonable.And I do not think you are entitled to recover the replacement cost holdback.
-What?
Dialogue 1
-Well,Clerk.My policy covers my house against fire,right?
-Correct.
-And there is fire and my house burns to the ground.
-Absolutely.
-I consult an architect,and it is estimqated that it will cost $350,000 to reconstruct the house as it was before the fire.But will you only contribute $200,000 to the cost of rebuilding?
-You know,an axiom of insurance is indemnity.That's to say the insured cannot expect to make a profit out of the insurance contract.
-But you know,~
-I see.I see.But the premium is $3 per $1,000 of cover and you pay $250 premium per annum.Why?
-I reckoned my house was worth $200,000.
-That's it.Your policy covers a house worth $200,000.And according to he contract,my copany can only pay you that sum.
-Well ,I understand now.
Dialogue 2
-I'm sorry for your loss.But there's nothing we can do for you.
-Are you kidding?I pay my premium regularly.There is a fire,and I lost everything.
-Listen,Mr.Ma.In the proposal form you were asked whether any inflammable matereials were stored on the premises.You said "no".But we found that a ground floor storeroom was used to store drems of petrol.
-And you think I burned my own business premises with these drums of petrol?
-I don't mean that.But the most good faith is one of the principles of insurance.What could we insure if everybody lied to us?
-You are exaggerating the very fact.It's unfair.I cannot accept that.
-Who is exaggerating?
-I will sue you.
Dialogue 3
-Auto Accident Department.
-Hello.This is Li Xiaohong.
-How are you now?
-My neck hurts,I can't work,and my life is in turmoil.
-I'm sorry to hear that.Anything I can do for you?
-I want to get paid for all my expenses:auto repairs,medical and chiropractic treatent,lost wages and lost opportunities.
-Do you have any idea about the sum of money we may pay?
-Well,it will be no less that $55,000,I suppose.
-You've asked for $55,000.Come on now,you know that's not realistic.
-OK,so you tell me what you think it's worth?I'd really like to settle the claim.
-No more that $12,000.And that's our best offer.We have taken everything into account for you.
-But auto repair alone will cost at least $11,000.For three months,I cannot work and have to see y doctor often.
-Then how about $16,000 ?This time,no more;otherwise my company will go broken.
-OK.I will settle for it.I do hope that I can be as soon as possible.
-Never mind.I'll see to it.Good-bye.
-Thank you.Good-bye.
Dialogue 4
-Fire department.
-Hello.This is Mr.Cao Ke Liang,a client of your company.
-OK.Let me look up your record in my computer.Yes,Mr.Cao Keliang.Six years ago,you reported a fire.
-Absolutely.And I also said that I would get my house rebuilt.Now I call to recover the replacement cost holdback.
-You call to claim to be compensated for the losses you suffered fire six years ago?
-Yes?Is there anything wrong?
-Unbelievable.And where have you been living in since then?
-In my old house,of course.You know within a month of the fire,I notified your company that I intended to rebuild the house and would be making a claim for the replacement cost of the house.
-But the facts show no justification for the delay and no express agreement by the insurer to allow replacement after such a long delay.Six-year delay in replacing the property was really unreasonable.And I do not think you are entitled to recover the replacement cost holdback.
-What?
