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Insurance Claims

Filing an Initial Claim After an Accident

事故后首次报案

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。

对话

聆听并跟进对话

1
Policyholder (Male)
Hi, I'd like to report an incident and start a claim. I was involved in a fender bender about an hour ago.
您好，我需要报告一个事故并开始理赔。我大约一小时前发生了一起小刮擦。
2
Claims Representative (Female)
Certainly, I can help you with that. Can I please have your policy number or your full name and date of birth to pull up your account?
好的，我来帮您处理。请您提供保单号，或者您的全名和出生日期，以便我查阅您的账户信息。
3
Policyholder (Male)
Sure, my policy number is 123456789. And my name is John Smith.
好的，我的保单号是123456789。我叫约翰·史密斯。
4
Claims Representative (Female)
Thank you, Mr. Smith. I see your auto policy here. Could you please describe what happened? And also, did the police attend the scene?
谢谢您，史密斯先生。我看到您的汽车保单了。您能描述一下事故经过吗？另外，警察到场了吗？
5
Policyholder (Male)
Yes, it was a minor rear-end collision. I was stopped at a traffic light, and the car behind me didn't stop in time. The police did come; we exchanged information, and they filed a report. No one was injured, thankfully.
是的，这是一起轻微的追尾事故。我当时在一个红绿灯处停下了，后面的车没及时停住。警察来了，我们交换了信息，他们也做了笔录。谢天谢地，没有人受伤。
6
Claims Representative (Female)
That's good to hear. Do you have the other driver's insurance information or their vehicle details, like license plate number?
那就好。您有对方司机的保险信息或者车辆详细信息吗？比如车牌号。
7
Policyholder (Male)
Yes, I have their license plate number, name, and their insurance company's name. I can provide those now, or should I email them?
是的，我有他们的车牌号、姓名和他们保险公司的名称。我现在就可以提供，还是需要发邮件给你们？
8
Claims Representative (Female)
You can provide them over the phone now. I'm opening a claim for you as we speak. Once we have all the initial details, I can tell you about the next steps and what paperwork you'll need to submit.
您现在就可以通过电话提供。我正在为您开立理赔。一旦我们掌握了所有初步细节，我就可以告诉您下一步怎么做以及您需要提交哪些文件。

词汇

对话中的必备词汇和短语

incident

An event or accident that you need to report, like a car crash. Use it when describing something that happened unexpectedly.

需要报告的事件或事故，例如车祸。在描述意外发生的事情时使用。

claim

A formal request to your insurance company for payment after an accident or damage. It's a key word in insurance situations.

事故或损坏后向您的保险公司正式请求付款。它是保险情况下的一个关键词。

fender bender

A small, minor car accident with little damage, like a light bump. Common in casual American English for traffic mishaps.

一种小的、轻微的车祸，损伤很小，就像轻微的碰撞。常见于美国英语的随意表达中，用于指代交通事故。

policy number

The unique ID number for your insurance policy, used to access your account details quickly.

您的保险保单的唯一 ID 号码，用于快速访问您的账户详细信息。

rear-end collision

An accident where one car hits the back of another car, often at low speed. Useful for describing common traffic accidents.

一种一辆车撞上另一辆车后部的意外，通常以低速发生。用于描述常见的交通事故很有用。

license plate number

The official number and letters on a vehicle's plate, used to identify cars in reports or claims.

车辆牌照上的官方号码和字母，用于在报告或索赔中识别汽车。

paperwork

Official documents or forms you need to fill out and submit, like reports or proofs for insurance.

您需要填写并提交的官方文件或表格，例如报告或保险证明。

关键句型

需要记住和练习的重要短语

I'd like to report an incident and start a claim.

This is a polite way to begin a phone call for insurance help. Use it to clearly state your purpose. 'I'd like to' is a formal expression for requests.

这是开始保险帮助电话的一种礼貌方式。使用它来清楚地说明您的目的。'I'd like to' 是请求的正式表达。

Can I please have your policy number or your full name and date of birth to pull up your account?

A helpful question to get customer info. 'Can I please have' is polite for requests. 'Pull up' means to access or retrieve information from a system.

这是一个获取客户信息的有用问题。'Can I please have' 是礼貌的请求表达。'Pull up' 意思是从系统中访问或检索信息。

Could you please describe what happened?

This asks for details about an event. 'Could you please' makes it polite. Useful in service calls to gather information without pressure.

这是在询问事件细节。'Could you please' 使它变得礼貌。在服务电话中用于无压力地收集信息很有用。

Do you have the other driver's insurance information or their vehicle details, like license plate number?

This checks for specific info needed for claims. 'Like' introduces examples. It's practical for confirming details in accident reports.

这检查了索赔所需的具体信息。'Like'引入示例。它在确认事故报告中的细节时很实用。

I'm opening a claim for you as we speak.

This means starting the claim process right now during the call. 'As we speak' emphasizes immediacy. Use it to reassure customers in real-time service.

这意味着在通话中立即启动索赔流程。'As we speak' 强调即时性。用于在实时服务中安抚客户。

Once we have all the initial details, I can tell you about the next steps and what paperwork you'll need to submit.

This explains the process after getting info. 'Once' shows sequence. Helpful for guiding people on what follows in procedures.

这解释了获取信息后的过程。「Once」显示序列。有助于指导人们了解程序中后续内容。