Negotiating a Settlement Offer

协商和解金

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。

对话

聆听并跟进对话

insurance_adjuster (Male)

Good morning, Ms. Chen. I'm calling to discuss the settlement offer for your recent claim regarding the storm damage to your roof. We've assessed the damages and are proposing a settlement of $8,500.

早上好，陈女士。我打电话是为了讨论您最近关于屋顶风暴损坏索赔的和解提议。我们已经评估了损失，建议和解金为8,500美元。

policyholder (Female)

Good morning. Thank you for the update. While I appreciate the prompt assessment, $8,500 seems a bit low. My contractor’s estimate for the repairs came in at $11,000, and that includes the cost of quality materials to match the existing roof.

早上好。谢谢您的更新。虽然我很感谢迅速的评估，但8,500美元似乎有点低。我的承包商的维修估价是11,000美元，其中包括使用优质材料与现有屋顶相匹配的费用。

insurance_adjuster (Male)

I understand your concern. Our offer is based on the fair market value for repairs in your area using standard materials. Could you tell me more about what your contractor's estimate covers that exceeds our assessment?

我理解您的担忧。我们的报价是基于您所在地区使用标准材料进行维修的公平市场价值。您能告诉我您的承包商的估价中哪些项目超出了我们的评估吗？

policyholder (Female)

Certainly. Their estimate accounts for the specific type of shingles needed to match the existing ones, which are a higher grade than standard. It also includes disposal fees for the damaged materials, and a more comprehensive clean-up, which wasn't clearly itemized in your report.

当然。他们的估价考虑了与现有瓦片相匹配所需的特定类型瓦片，这些瓦片比标准等级更高。它还包括损坏材料的处理费，以及更全面的清理，这在您的报告中没有明确列出。

insurance_adjuster (Male)

I see. Matching existing materials can indeed add to the cost. Regarding the disposal fees and comprehensive clean-up, those are typically factored into the overall labor cost, but I can certainly re-evaluate that line item. Would you be able to send over your contractor's detailed estimate for us to review?

我明白了。匹配现有材料确实会增加成本。关于处理费和全面清理，这些通常会计入总劳务费中，但我当然可以重新评估该项目。您能否将您的承包商的详细估价发给我们审查？

policyholder (Female)

Yes, I can email it to you right after this call. I really think a revised offer closer to $10,500 would be more fair, considering the details I’ve provided.

是的，我可以在这次电话后立即发邮件给您。考虑到我提供的细节，我真的认为接近10,500美元的修改报价会更公平。

insurance_adjuster (Male)

Okay, Ms. Chen. Once we receive and review your contractor's detailed estimate, especially noting the higher-grade shingle cost and comprehensive clean-up, we will reassess our offer. Please allow us a couple of business days for this review. We'll be in touch.

好的，陈女士。一旦我们收到并审查您的承包商的详细估价，特别是注意到更高等级的瓦片成本和全面清理，我们将重新评估我们的报价。请给我们几个工作日进行此项审查。我们会与您联系的。

policyholder (Female)

That sounds reasonable. I'll send that email right away. Thank you for your flexibility and for taking my concerns into consideration.

这听起来很合理。我会立即发送那封电子邮件。感谢您的灵活性并考虑了我的担忧。

词汇

对话中的必备词汇和短语

settlement

A settlement is an agreement to end a dispute by paying money, often used in insurance to resolve claims.

和解是通过支付金钱来结束争端的协议，常用于保险中解决索赔。

claim

A claim is a formal request for payment from an insurance company after damage or loss occurs.

索赔是损坏或损失发生后向保险公司提出的正式付款请求。

assess

To assess means to evaluate or examine something carefully, like damages, to determine its value or extent.

评估意味着仔细评估或检查某物，比如损害，以确定其价值或程度。

estimate

An estimate is an approximate calculation of the cost or amount needed for repairs or work.

估算是对维修或工作所需成本或数量的近似计算。

contractor

A contractor is a person or company hired to do specific work, like home repairs.

承包商是一个受雇于进行特定工作的个人或公司，例如房屋维修。

repairs

Repairs are actions to fix something that is damaged or broken.

维修是将损坏或破损的东西修复的行动。

fair market value

Fair market value is the reasonable price for something based on what similar items cost in the local area.

公平市场价值是基于当地类似物品成本的某物的合理价格。

re-evaluate

To re-evaluate means to assess or review something again, often after new information is provided.

重新评估意味着在提供新信息后，通常再次评估或审查某事。

关键句型

需要记住和练习的重要短语

We've assessed the damages and are proposing a settlement of $8,500.

This sentence uses present perfect 'we've assessed' to show a completed action with current relevance, and 'proposing' to suggest an offer; useful for explaining decisions in business or insurance talks.

这个句子使用现在完成时 'we've assessed' 来表示具有当前相关性的已完成动作，以及 'proposing' 来建议一个提议；这在商业或保险对话中解释决策时很有用。

While I appreciate the prompt assessment, $8,500 seems a bit low.

This polite negotiation sentence starts with 'while' to acknowledge positives before stating disagreement; 'seems a bit low' softens criticism, ideal for discussions where you want to negotiate without offending.

这个礼貌的谈判句子以'while'开头，先承认积极方面，然后表达不同意见；'seems a bit low'软化了批评，适合那些希望在不冒犯对方的讨论中进行谈判。

I understand your concern. Our offer is based on the fair market value for repairs in your area.

'I understand your concern' shows empathy; 'based on' explains reasoning. Useful for responding professionally in negotiations to build trust and justify positions.

“I understand your concern”显示了同理心；“based on”解释了理由。在谈判中专业回应以建立信任并证明立场很有用。

Could you tell me more about what your contractor's estimate covers that exceeds our assessment?

This is a polite request for more details using 'could you tell me' for indirectness; 'exceeds' means goes beyond. Great for gathering information in conversations without being demanding.

这是一个使用 'could you tell me' 来间接性的礼貌请求更多细节； 'exceeds' 意思是超过。非常适合在对话中收集信息而不显得强求。

I really think a revised offer closer to $10,500 would be more fair, considering the details I’ve provided.

'I really think' expresses strong opinion politely; 'considering' introduces reasons. This pattern helps propose alternatives in negotiations by linking to evidence.

‘I really think’ 礼貌地表达强烈的意见；‘considering’ 引入理由。这种模式通过链接证据来帮助在谈判中提出替代方案。

Thank you for your flexibility and for taking my concerns into consideration.

This closing sentence uses 'thank you for' to express gratitude; 'taking into consideration' means considering carefully. Useful for ending talks positively and maintaining good relations.

这个结束句使用 'thank you for' 来表达感激；'taking into consideration' 意思是仔细考虑。有助于积极结束对话并维持良好关系。