情境
选择 6 个对话s 进行练习
Filing an Initial Claim After an Accident
A policyholder calls their insurance company to report an incident (e.g., car accident, property damage) and begins the claim filing process, providing initial details and asking about next steps.
投保人致电保险公司报告事故（例如，车祸，财产损失），开始理赔流程，提供初步信息并询问下一步该怎么做。
Discussing Coverage and Policy Details
A policyholder has questions about what their insurance policy actually covers for a specific incident, prompting a detailed discussion with an insurance agent about deductibles, limits, and exclusions.
投保人就特定事故对保单的实际覆盖范围提出疑问，与保险代理人就免赔额、限额和除外责任进行详细讨论。
Providing Supporting Documentation
The insurance company requests various documents (e.g., police report, medical bills, repair estimates, photos) to support a claim, and the policyholder communicates about submitting them.
保险公司要求提供各种文件（例如，警方报告、医疗账单、维修估价、照片）以支持索赔，投保人就提交这些文件进行沟通。
Negotiating a Settlement Offer
The insurance company makes an offer for the claim settlement, and the policyholder either accepts it or attempts to negotiate a higher amount, discussing the reasons for their request.
保险公司对理赔做出赔付提议，投保人要么接受，要么试图协商更高的金额，并说明其要求的原因。
Claim Denial and Appeal Process
A policyholder's claim has been denied, and they are calling the insurance company to understand the reasons for the denial and initiate an appeal or dispute process.
投保人的索赔被拒，他们致电保险公司以了解拒绝的原因并启动申诉或争议流程。
Follow-up on Claim Status
A policyholder calls to check on the progress of their filed claim, inquiring about timelines, pending actions, and estimated resolution dates.
投保人致电查询已提交索赔的进展，询问时间表、待处理事项和预计解决日期。