汽車保險(xiǎn)中英文對(duì)照外文翻譯文獻(xiàn)

汽車保險(xiǎn)中英文對(duì)照外文翻譯文獻(xiàn)PAGEPAGE2汽車保險(xiǎn)中英文對(duì)照外文翻譯文獻(xiàn)(文檔含英文原文和中文翻譯)汽車保險(xiǎn)汽車保險(xiǎn)是在事故后保證自己的財(cái)產(chǎn)安全合同。盡管聯(lián)邦法律沒有強(qiáng)制要求，但是在大多數(shù)州（新罕布什和威斯康星州除外）都要求必須購(gòu)買汽車保險(xiǎn)；在各個(gè)州都有最低的保險(xiǎn)要求。在鼻腔只購(gòu)買汽車保險(xiǎn)的兩個(gè)州，如果沒有足夠的證據(jù)表明車主財(cái)力滿足財(cái)務(wù)責(zé)任法的要求，那么他就必須買一份汽車保險(xiǎn)。就算沒有法律規(guī)定，買一份合適的汽車保險(xiǎn)對(duì)司機(jī)避免惹上官和承擔(dān)過(guò)多維修費(fèi)用來(lái)說(shuō)都是非常實(shí)用的。依據(jù)美國(guó)保險(xiǎn)咨詢中心的資料顯示，一份基本的保險(xiǎn)單應(yīng)由6個(gè)險(xiǎn)種組成。這其中有些是有州法律規(guī)定，有些是可以選擇的，具體如下：身體傷害責(zé)任險(xiǎn)財(cái)產(chǎn)損失責(zé)任險(xiǎn)醫(yī)療險(xiǎn)或個(gè)人傷害保護(hù)險(xiǎn)車輛碰撞險(xiǎn)綜合損失險(xiǎn)無(wú)保險(xiǎn)駕駛?cè)嘶虮ｎ~不足駕駛?cè)穗U(xiǎn)責(zé)任保險(xiǎn)責(zé)任險(xiǎn)的投保險(xiǎn)額一般用三個(gè)數(shù)字表示。不如，你的保險(xiǎn)經(jīng)紀(jì)人說(shuō)你的保險(xiǎn)單責(zé)任限額是20/40/10，這就代表每個(gè)人的人身傷害責(zé)任險(xiǎn)賠償限額是2萬(wàn)美元，每起事故的熱身上海責(zé)任險(xiǎn)賠償限額是4萬(wàn)美元，每起事故的財(cái)產(chǎn)損失責(zé)任險(xiǎn)的賠償限額是1萬(wàn)美元。人身傷害和財(cái)產(chǎn)損失責(zé)任險(xiǎn)是大多數(shù)汽車保險(xiǎn)單的基礎(chǔ)。要求汽車保險(xiǎn)的每個(gè)州都強(qiáng)令必須投保財(cái)產(chǎn)損失責(zé)任險(xiǎn)，佛羅里達(dá)是唯一要求汽車保險(xiǎn)但不要求投保人身傷害責(zé)任險(xiǎn)的州。如果由于你的過(guò)錯(cuò)造成了事故，你的責(zé)任險(xiǎn)會(huì)承擔(dān)人身傷害、財(cái)產(chǎn)損失和法律規(guī)定的其他費(fèi)用。人身傷害責(zé)任險(xiǎn)將賠償醫(yī)療費(fèi)和誤工工資；財(cái)產(chǎn)損失責(zé)任險(xiǎn)將支付車輛的維修及零件更換費(fèi)用。財(cái)產(chǎn)損失責(zé)任險(xiǎn)通常承擔(dān)對(duì)其他車輛的維修費(fèi)用，但是也可以對(duì)你的車撞壞的燈桿、護(hù)欄、建筑物等其他物品的損壞進(jìn)行賠償。另一方當(dāng)事人也可以決定起訴你賠償精神損失?？纯雌囏?zé)任險(xiǎn)的最低投保要求，你就會(huì)發(fā)現(xiàn)在你居住的地方哪些保險(xiǎn)是必須的。記住，如果你引起了一場(chǎng)嚴(yán)重的交通事故，最低限度的保險(xiǎn)可能不足以支付你造成的損失。因此最好在州要求的最低限度外再買一些保險(xiǎn)。如果你已經(jīng)擁有了家庭或者擁有養(yǎng)老或存儲(chǔ)賬戶，你應(yīng)該更多地考慮責(zé)任險(xiǎn)。因?yàn)樵诖蠖鄶?shù)州，司機(jī)們都有權(quán)利去起訴肇事司機(jī)。如果你被起訴了并且你投保的保額不足以彌補(bǔ)各類損失，那么你有可能會(huì)成為眾矢之的，個(gè)人財(cái)政將陷入麻煩。車輛碰撞險(xiǎn)和綜合損失險(xiǎn)如果投保人肇事，車輛碰撞險(xiǎn)將支付你的車輛維修費(fèi)。通常投保人得到的賠付不能超過(guò)車輛實(shí)際價(jià)值，這和車輛的更換費(fèi)用不同。車輛碰撞險(xiǎn)通常來(lái)說(shuō)是汽車保險(xiǎn)中最貴的險(xiǎn)種。選擇一個(gè)較高的免賠額，比如500或1000美元，就會(huì)使你的保險(xiǎn)費(fèi)下降。不過(guò)要記住，你必須承擔(dān)免賠額以內(nèi)的部分，保險(xiǎn)公司只承擔(dān)超出免賠額的部分。更換費(fèi)用是重置車輛或用相同種類和質(zhì)量的材料維修你的車，沒有折舊扣除。折舊是因使用年限或磨損等原因使汽車價(jià)值的減少。實(shí)際價(jià)值是財(cái)產(chǎn)被損壞或毀壞是的實(shí)際價(jià)值。理賠人員通常會(huì)用重置成本減去折舊來(lái)確定車輛實(shí)際價(jià)值。保險(xiǎn)公司通常在維修費(fèi)用超過(guò)汽車價(jià)值一定比例的時(shí)候?qū)④囈曌鳌败囕v全損”。這個(gè)比例高低因公司不同而異，從55%—90%不等。綜合損失險(xiǎn)對(duì)非交通事故原因造成投保人車輛的損失進(jìn)行賠付：如偷盜，火災(zāi)，被故意破壞，自然災(zāi)害，或各種意外等。綜合損失險(xiǎn)同樣可以有免賠額，并在車輛毀傷時(shí)保險(xiǎn)公司僅按車輛價(jià)值賠付。正常情況下，因?yàn)楸ｋU(xiǎn)公司的賠償額度不會(huì)超過(guò)汽車的賬面價(jià)值，你最好對(duì)這個(gè)金額有個(gè)大致的了解。如果你車的價(jià)值還不如保費(fèi)額，還是不要投保的好。任何州都不會(huì)強(qiáng)制投保人購(gòu)買碰撞險(xiǎn)及綜合損失險(xiǎn)，不過(guò)當(dāng)車主能夠負(fù)擔(dān)汽車費(fèi)用時(shí)，貸方可能會(huì)在貸款協(xié)議中要求車主購(gòu)買碰撞及綜合險(xiǎn)。即使沒有要求，碰撞及綜合險(xiǎn)也是保險(xiǎn)業(yè)大力推薦的險(xiǎn)種，以便在不可預(yù)知的毀壞或偷盜情況下，車主可以避免重大損失。車輛偷盜現(xiàn)象很常見。醫(yī)療險(xiǎn)、個(gè)人上海保護(hù)險(xiǎn)和無(wú)過(guò)錯(cuò)險(xiǎn)醫(yī)療險(xiǎn)講對(duì)被保險(xiǎn)人及車上人員在事故后的醫(yī)療保險(xiǎn)費(fèi)用進(jìn)行賠付。這些費(fèi)用可能由于投保人駕駛自己的車或別人的車是發(fā)生的事故，或者被保險(xiǎn)人及其家庭成員在步行時(shí)收到的傷害。無(wú)論過(guò)錯(cuò)在哪一方，保險(xiǎn)公司都會(huì)進(jìn)行賠付，但若責(zé)任由第三方造成，保險(xiǎn)公司可以對(duì)其進(jìn)行追償。個(gè)人傷害保護(hù)險(xiǎn)是醫(yī)療險(xiǎn)的一種延伸形式。他用來(lái)支付與傷害有關(guān)的費(fèi)用但并非必須是醫(yī)療的，如喪失的工資收入，幼托、喪葬支出等。目前有16各州要求購(gòu)買個(gè)人上海保護(hù)險(xiǎn)，如果你已經(jīng)投保了一份不錯(cuò)的身體健康保險(xiǎn)的話，幸運(yùn)的是你只需要買最低額度的醫(yī)療險(xiǎn)或個(gè)人傷害保護(hù)險(xiǎn)即可。無(wú)保險(xiǎn)駕駛?cè)穗U(xiǎn)或保額不足駕駛?cè)穗U(xiǎn)無(wú)保險(xiǎn)駕駛?cè)穗U(xiǎn)在你被撞傷而肇事司機(jī)逃逸或被沒有投保汽車保險(xiǎn)的司機(jī)撞傷時(shí)進(jìn)行賠付。在有些州，這兩種險(xiǎn)也對(duì)財(cái)產(chǎn)損失進(jìn)行賠付。保額不足駕駛?cè)穗U(xiǎn)肇事司機(jī)所投的責(zé)任保險(xiǎn)額不足一米不造成的損失時(shí)保險(xiǎn)公司進(jìn)行賠償。在有些州，這兩種險(xiǎn)也對(duì)財(cái)產(chǎn)損失進(jìn)行賠付。類似地，保額不足駕駛?cè)穗U(xiǎn)也會(huì)在你遭受一個(gè)保額不足的司機(jī)裝及時(shí)給與賠付。如果你是行人遭受撞擊，保額不足駕駛?cè)穗U(xiǎn)會(huì)支付這些費(fèi)用。附加條款汽車保險(xiǎn)有很多補(bǔ)充，即可作為單獨(dú)險(xiǎn)種，也可作為附加條款。租車補(bǔ)償條款常見的附加條款，當(dāng)你的車損壞或丟失而不能使用時(shí)的租車費(fèi)用。拖車和人工條款以防止車輛途中拋錨，亦很常見。差價(jià)補(bǔ)償條款若你的新車全損，用來(lái)支付實(shí)際價(jià)值和汽車貸款余額之間的差額。每個(gè)州都要求車主購(gòu)買基本的汽車保險(xiǎn)。在汽車的使用過(guò)程中，要求隨車攜帶保險(xiǎn)證明。在以下這些時(shí)候你可能要出示保險(xiǎn)證明：汽車登記時(shí)，發(fā)生事故時(shí)，還有駕駛過(guò)程中。建議車主將保險(xiǎn)證明放到車上，而不是帶在身上，這樣不管歲駕駛，都可以隨時(shí)出示保險(xiǎn)證明。任何違反州法律中關(guān)于汽車保險(xiǎn)內(nèi)容的行為都會(huì)帶來(lái)一些后果，輕則高額罰款，重則吊銷駕照甚至入獄。這些可怕的后果說(shuō)明購(gòu)買汽車保險(xiǎn)非常值得。不投保而又不被懲罰的可能性很小，一旦被發(fā)現(xiàn)將重罰。汽車保險(xiǎn)益處1.基本保障基本保障包括：保證對(duì)車企及車體的終身維修，維修期間提供代步車，24小時(shí)熱線服務(wù)電話，及時(shí)安排維修，晚間緊急情況下的住宿，對(duì)私人隨身物品、醫(yī)療費(fèi)用、車內(nèi)音頻視頻設(shè)備的損壞予以賠償，24小時(shí)擋風(fēng)玻璃的更換，維修熱線提供法律和醫(yī)療方面的建議及事故后咨詢。2.附加保障附加保障包括：最大限度的無(wú)賠款優(yōu)待，法律幫助，旅行意外險(xiǎn)及拋錨險(xiǎn)，如在路邊，修車時(shí)或在家拋錨的情況下提供幫助。投保人選擇的險(xiǎn)種不同，保險(xiǎn)就有所不同。投保人可以按需要從下列險(xiǎn)種中選擇：第三者責(zé)任險(xiǎn)——保險(xiǎn)公司對(duì)因被保險(xiǎn)人駕駛時(shí)的責(zé)任引起的三方人身傷害或財(cái)產(chǎn)損失負(fù)賠償責(zé)任。第三者火災(zāi)及盜搶險(xiǎn)——除了上述第三方責(zé)任險(xiǎn)外保險(xiǎn)公司還對(duì)投保人車輛在事故中遭受的火災(zāi)及盜搶負(fù)賠償責(zé)任。綜合損失險(xiǎn)——對(duì)被保險(xiǎn)人的車輛損失以及第三者的人身?yè)p害和財(cái)產(chǎn)損失提供保障。投保人可以將下列內(nèi)容補(bǔ)充道一上車險(xiǎn)種：前一年度沒有索賠，保險(xiǎn)公司給與的最大限度的無(wú)賠款優(yōu)待；法律幫助計(jì)劃；拋錨險(xiǎn)；旅行意外險(xiǎn)。3.部分主要益處解析上面簡(jiǎn)要介紹了保險(xiǎn)所提供的保障，下面我們分別詳細(xì)說(shuō)明。1）24小時(shí)服務(wù)熱線當(dāng)投保人發(fā)生了事故或遭受了損失，可以隨時(shí)撥打保險(xiǎn)公司24小時(shí)服務(wù)熱線，向態(tài)度友好、處理高效的專家說(shuō)明。2）及時(shí)安排維修發(fā)生了保險(xiǎn)單中載明的事故之后，投保人如果選擇保險(xiǎn)公司推薦的修理廠進(jìn)行維修的話，保險(xiǎn)公司將會(huì)立刻通知該維修廠提供服務(wù)。這些維修廠都是經(jīng)保險(xiǎn)公司嚴(yán)格檢查，始終保持較高工作質(zhì)量，經(jīng)他們維修過(guò)的車起火車身可以終身保修就是證據(jù)。3）關(guān)于熱線電話給于的特別折扣及24小時(shí)更換玻璃服務(wù)如果投保車輛的擋風(fēng)玻璃，車程幾天窗玻璃破損，被保險(xiǎn)人可以撥打24小時(shí)波利維修熱線。如果投的是綜合損失險(xiǎn)，所有維修都將免費(fèi)。如果已經(jīng)無(wú)法維修的就只能更換，超出部分費(fèi)用由投保人自己承當(dāng)。超出的費(fèi)用已在投保人的投保單中注明，如果投保人決定比進(jìn)行索賠或通過(guò)其他險(xiǎn)種索賠，將會(huì)得到來(lái)自供應(yīng)商的額外折扣。4）車輛維修只要是再保險(xiǎn)責(zé)任內(nèi)車輛發(fā)生損壞事故，保險(xiǎn)公司專門推薦的一些維修廠會(huì)集中并運(yùn)送投保人的車輛。如果保單有相應(yīng)記載，他們還將提供代步車給投保人使用。車輛一到修理廠馬上開始修理。為了保證不影響被保險(xiǎn)人保單的效力，汽修廠將會(huì)對(duì)車企和車身進(jìn)行終身保修。AutoinsuranceAutoinsuranceisacontractthatprotectsyourfinancialsecurityincaseofanaccident.Althoughitisnotmandatedbyfederallaw,thepurchaseofautoinsuranceisusuallyarequirementinmoststates;everystatehasminimuminsurancelaws.Ifsaidownercannotproduceproofofsatisfactoryassets,thehemustbuyanautoinsurancepolicy.Regardlessofthelaw,havinggoodautoinsuranceispracticalforthedriverwhowishestoavoidlawsuitsorimmenserepairbills.AccordingtotheInsuranceInformationInstitute,abasicautoinsurancepolicyiscomprisedofsixbasictypesofcoverage.Whilesomeofthesetypesofcoveragearerequiredbystatelaw,someareconsideredoptional.Theseare:BodilyinjuryliabilityPropertydamageliabilityMedicalpaymentsorPersonalInjuryProtectionCollisionComprehensiveUninsured/UnderinsuredmotoristscoverageLiabilityinsuranceLiabilitycoveragelimits(that’sforthedamageyoudotoothers)areusuallypresentedasaseriesofthreenumbers.Forexample,youragentmightsaythatyourpolicycarriesliabilitylimitsof20/40/10.Thatstandsfor$20,000inbodilyinjurycoverageperperson,$40,000inbodilyinjurycoverageperaccident,and#10,000inproperty-damagecoverageperaccident.Liabilityinsurance(bothbodilyinjuryandpropertydamage)isthefoundationofmostautoinsurancepolicies.Everystatethatrequiresautoinsurancemandatesthepurchaseofpropertydamageliability,andFloridaistheonlythatrequiresautoinsurancebutdoesnotcallforbodilyinjuryliability.Ifyouareatfaultinanautoaccident,yourliabilitycoveragewillpayalltheexpenses,bodilyinjury,propertydamage,andanylegalbills.Thebodilyinjurycoveragewouldpayformedicalbillsandlostwages;thepropertydamagecoveragewouldpayforanyautorepairs,orreplacement.Propertydamageliabilityusuallyrepairsdamagetoothervehicles,butcanalsocoverdamagestothingssuchaslampplus,fences,buildings,oranythingsewthatyourcarmahavestruck.Theotherpartyalsodecidetosueyoutocollect”painandsuffering”damages.SeetheMinimumlevelsofrequiredautoliabilityinsurancetofindoutwhat’srequiredwhereyoulive.Remember,ifyoucauseaseriousaccident,minimuminsurancemaynotcoveryouadequately.That’swhyit’sagoodideatobuymorethanwhatyourstaterequires.Ifyouownahomeandhavenesteggandasavingsaccount,youshouldconsidermoreliabilityinsurancebecause,inmoststates,driversareallowedtosueotherdriveswhoinjurethemincaraccidents.Ifyou’resuedandyourliabilityinsurancedoesn’tpayforallofthedamages,yourpersonalfinancesareonthehook,andit’slikelyyou’llbecomeatarget.Collisionandcomprehensivecoverage’sIfyoucauseandaccident,collisioncoveragewillpaytorepairyourvehicle.Youusuallycan’tcollectanymorethantheactualcashvalueofyourcar,whichisnotthesameasthecar’sreplacementcost.Collisioncoverageisnormallythemostexpensivecomponentofautoinsurance.Bychoosingahigherdeductible,say$500or$1,000,youcankeepyourpremiumcostsdown...However,keepinmindthatyoumostpaytheamountofdeductiblebeforetheinsurancecompanykicksinanymoneyafteranaccident.

Replacementcostistheamountitwouldtaketoreplaceyourvehicleorrepairdamageswithmaterialsofsimilarkindandquality,withoutdeductingfordepreciating.Depreciationisthedecreaseinvehiclevaluebecauseofageorwearandtear.Actualcashvalue(ACV)isthevalueofyourpropertywhenitisdamagedordestroyed.ClaimsadjustersusuallyfigureACVbytakingthereplacementcostandsubtractingdepreciation.Insurancecompaniesoftenwill“total”yourcariftherepaircostsexceedacertainpercentageofthecar’sworth.Thecriticaldamagepointvariesfromcompanytocompany,from55percentto90percent.Comprehensivecoveragewillpayfordamagestoyourcarthatweren’tcausedbyanautoaccident:Damagesformtheft,fire,vandalism,naturaldisasters,orhittingadeerallqualify.Comprehensivecoveragealsocomeswithadeductibleandyourinsurerwillonlypayasmuchasthecarwasworthwhenitgotwrecked.Becauseinsurancecompaniesnormalwillnotpayyoumorethanyourcoo’sbookvalue,it’shelpfulifyouhavearoughideaofthisamount.Ifyourcarisworthlessthanwhatyou’repayingforthecoverage,you’rebetteroffnothavingit.Neithercollisionnorcomprehensioninsuranceisrequiredbyanyofthestates,butsomelenders,whentheownerfinancesthecar,nayrequirethepurchaseofcollisionandcomprehensiveintheloanagreement.Evenwhentisnotrequired,collisionandcomprehensivecoverageishighlyrecommendedbytheinsuranceindustry,sothatintheunforeseeneventofdamageortheft,theownerofthecarcanavoidheavybills.Theftofcarsisnotasunusualassomepeoplemaythink.Medicalpayments,PIP,andno-faultcoverage’sMedicalpayments(Medpay)coveragewillpayforyourandyourpassengers’medicalexpensesafteranaccident.Theseexpensescanariseformaccidentswhileyou’redrivingyourcar,someoneelse’scar(withtheirpermission),andinjuriesyouoryourfamilymembersincurwhenyou’repedestrians.Thecoveragewillpayregardlessofwhoisafault,butifsomeoneelseisliable,yourinsurermayseektorecouptheexpensesfromhimorher.PersonalInjuryProtection(PIP)coverageisanextendedformofMedPay.Pipmaycoverexpensesthatarereactedtoinjury,butnotnecessarilymedical,suchaslostwages,childcareandfuneralcosts.PIPcoverageiscurrentlyrequiredbysixteenstates.Ifyouarealreadyinsuredunderagoodhealthinsurancepolicy,thenfortunately,thereisnoneedtobuymorethantheminimumrequiredamountofPIPorMedPayinsurance.Uninsured/Underinsuredmotorist’scoverageUninsuredmotorists(UM)coveragepaysforyourinjuriesofyou’restuckbyahit-and-rundriverorsomeonewhodoesn’thaveautoinsurance.Itisrequiredinmanystates.Underinsuredmotorists(UIM)coveragewillpayoutifthedriverwhohityoucausesmoredamagethanhisorherliabilitycoveragecancover.INsomestates,UMorUIMcoveragewillalsopayforpropertydamages.Similarly,underinsuredmotoristsinsurancewillcoveranydamagecausedwhenyouarestruckbyadriverwhoisnotinsuredforasufficientamount.Ifyouarehit,asapedestrian,underinsuredcoveragewillcovertheexpenses.Add-onfeaturesSeveralsupplementalautocoverageisavailable,eitherasseparatepremiumitemsorincludedinaugmentedpolicies.Rentalreimbursement,acommonadd-on,coversvehiclerentalsrequiredbecauseyourcarisdamagedorstolen.Coveragefortowingandlaborchargesincaseofabroadbreakdownisalsocommon.Gapcoverageforyournewcarwillpaythedifferencebetweentheactualcashvalueyoureceiveforthecarandtheamountleftonyourcarloanifyourvehicleistotaledinanaccident.Basicautoinsuranceisrequiredbyvirtuallyeverystate.Proofofinsuranceisrequiredatdifferentitemsthroughoutthelifeofavehicle.Youmaybeaskedforproofofinsuranceatanyandaloftheseitems:atvehicleregistration,atthetimeofanaccident,andanytimewhendrivingthevehicle.Itissuggestedthattheownerofthecarkeepsproofofinsuranceinthecaratalltimes,insteadofonhisorherperson,sothatitcanbeavailableatalltimes,nomatterwhoisdriving.Anyviolationsofstatelawregardingautoinsurancecouldresultin,atbest,aheftyfine,andatworst,suspensionofyourdriver’slicenseand/ortimeinjail.Thedireconsequencesofdrivingwhileuninsuredarenotworththeneglectofpayingforinsurance.Thechancethatanuninsureddriverwillsdetectionisslim;heislikelybeingcaughtandstrictlypunished.ThebenefitswithautoinsuranceStandardBenefitsStandardbenefitscountinLifetimeguaranteeonallpaintandbodyworkrepairs,Courtesycar,24-hourClaimsHelpline,andImmediateauthorizationofrepairs,Emergencyovernightaccommodation,Coverforpersonaleffects,Coverforlegaladvice,medicaladviceandpost-accidentcounseling.AvailableasOptionalExtrasAvailableasoptionalextrascountinMaximumNoClaimBonusforLife,LegalAssistance,TravelAccidentPlanandBreakdownCoversuchasroadside,recoveryandhomecall.Thebenefitsaredifferentwiththelevelofcoverageyouchoose.Youcanselectthecoverthatsitsyourknees,form:ThirdPartyonly-thirdpartyliabilityprotectionforinjuryordamageinsureddriversmaycausetoothersortheirpropertyThirdPartyFireandTheft-fireandtheftcoverforyourcarandthirdpartyliabilityprotectionforinjuryordamageinsureddriversmaycausetoothersortheirpropertyComprehensive-lossordamagecoverforyourcarandthirdpartyliabilityprotectionforinjuryordamageinsureddriversmaycausetoothersortheirpropertyYoumayaddthefollowingoptionalextrastoanyoftheabovecovers;1)MaximumNoClaimBonusforLife2)LegalAssistancePlan3)BreakdownCover4)TravelAccidentPlanSomeKeyBenefitsinalittleMoreDetailWe’veoutlinedtherangeofbenefitsyoucanearnabove.Nowletusexplaininalittlemoredetailjustwhatsomeofthosebenefitsmeantoyou:1)24HourClaimsHelplineWhenyou’vehadanaccidentorlosscallsourClaimsHelpline.Spe