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مشخصات:

شماره

9

گوینده

Original

زمان

17:03

منبع

ESLPodcast

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MP3 کامل

دانلود

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برای مشاهده معنی روی کلمات کلیک کنید

 Before reading check these out:       

Vocabulary (in this context)

Words

Definition

quote

quotation; an estimate of how much something will cost; a prediction of the cost of something

 

personal liability insurance

money that is paid if your car damages property or hurts or kills someone in an accident

collision insurance

money that is paid if your car is damaged when it hits another car or object

to run into (something)

to hit something, especially while driving

comprehensive insurance

money that is paid if your car is damaged by the weather, if something falls on your car, if someone steals your car, or if someone damages your car while you are not driving

in the case of (something)

if something happens; in a particular situation

vandalism

when someone physically harms an object or building, often by hitting it very hard or by writing or painting something on it

property damage insurance

money that is paid if your car damages another person’s car or property

uninsured motorist insurance

money that is paid if you are hurt or your car is damaged by a driver who didn’t have insurance

medical payments insurance

money that is paid for your medical expenses and the medical expenses of other people who were in your car if the medical problems were caused by an accident that happened while you were driving

to hold off on (something)

to wait to do or have something; to delay

 

Transcript

 

 

This episode is called “Buying Car Insurance.”  It’s a dialogue between Jackie and an “agent,” someone who sells insurance for cars.  In it, we’ll use a lot of common vocabulary in talking about cars and car insurance.  Let’s get started.

 

[start of dialogue]

 

Agent:  Hello, Krashit Insurance.

 

Jackie:  Hi, I wanted to get a quote for car insurance.

 

Agent:  Sure, I can help you with that.  I assume you want liability insurance, but what other coverage would you like to get?

 

Jackie:  Umm…I’m not sure.  This is my first car.

 

Agent:  In that case, let me make a few suggestions.  You’ll definitely want collision insurance.  It pays to fix your car if you hit another car or run into something.

 

Jackie:  Okay, sure, I want that.

 

Agent:  You’ll also want comprehensive insurance.  It pays for damage to your car.

 

Jackie:  How’s it different from collision insurance?  

 

Agent:  Well, it pays for damage to your car that’s not a result of an accident, like in the case of theft, weather damage, or vandalism.

 

Jackie:  Okay, I want that, too.

 

Agent:  You’ll want property damage insurance to pay for damage you cause to someone else’s property.  On top of that, you’ll want uninsured motorist insurance in case the other driver doesn’t have insurance or doesn’t have enough insurance to pay for the damage to your car.

 

Jackie:  Umm…I guess I’ll take that, too.

 

Agent:  And I don’t think you can do without medical payments insurance.  It pays

for your medical bills and those of your passengers in case of an accident.  Should I get you a quote for all of this coverage?

 

Jackie:  Why don’t you hold off on that?  I’m not sure how I’m going to pay for all that and buy gas, too!

 

[end of dialogue]

 

This is a telephone conversation between a car insurance agent, a person who sells car insurance, and Jackie.  The agent answers the phone: “Hello, Krashit Insurance.”  Jackie says, “Hi, I wanted to get a quote for car insurance.”  A “quote” is an estimate, an approximate cost of something, how much something will cost me.  So if you take your car to a mechanic to get it fixed, you may ask for an estimate – a quote on how much the repairs will be.  Or if you are having someone come to your house and paint the walls, you would first ask for a quote – how much money will it be.  It’s an estimate of the cost of something.  “Quote” has a couple of different meanings in English, however, so take a look at Learning Guide for a complete explanation.

 

Jackie says she wants a quote for car insurance.  “Insurance” is basically an arrangement where you give money to a company, and if you have an accident or a problem the company will pay for the repair of that accident or that problem, depending on what it is.

 

So, the agent says, “Sure, I can help you with that” – I can give you a quote.  He says, “I assume you want liability insurance.”  “I assume” means I believe that something is true; I am going to believe that it is true unless you tell it isn’t.  In the United States, there are a couple of different kinds of car insurance, and usually you are required to have certain kinds of insurance, it depends on the state where you live.  Liability insurance is one kind of insurance.  “Liability” comes from word “liable,” which means to be responsible for something.  There are two basic kinds of liability insurance.  One kind is to “cover” you, to pay for any problems you cause to somebody’s health or to a person’s body.  This is sometimes called “bodily liability.”  If, for example, broke someone’s legs or even killed them, liability insurance would pay them some money, or if they’re dead, of course, their relatives.  That’s one kind of liability insurance, “bodily injury” it’s sometimes called.  The other kind is if you damage someone else’s car or someone else’s property, that’s called “property damage” insurance; it’s a different kind of liability insurance.

 

The agent says, “what other coverage would you like to get?”  “Coverage” are the things that the insurance policy will pay for, will protect you against.  So here in California, for example, in Southern California we have a lot of earthquakes, where the ground moves suddenly.  You can buy special earthquake insurance for your house; you can also buy fire insurance for your house.  Each kind of insurance is different.  The same is true for a car; there are different kinds of insurance, the things that the insurance protects is called the coverage.  

 

Well, Jackie says she’s not sure, this is her first car.  The agent says, “In that case (in that situation), let me make a few suggestions.  He says, “You definitely want collision insurance.”  “Collision” means two things hit each other, two cars, for example, run into each other; that would be a collision.  “Collision insurance” is money that the insurance company will give you if your car is damaged.  That is, it doesn’t pay for the other person’s car; it pays for your car.  Most states do not require that you have collision insurance, but it’s often a good idea.  The agent explains that collision insurance pays to fix your car if you hit another car or run into something.  To “run into” means to hit something else, especially when you are driving.  Generally, that is not a good idea!

 

Jackie says, “Okay, sure, I want that.”  Then the agent says, “You’ll also want comprehensive insurance.  It pays for damage to your car.”  “Damage” is physical harm that comes to something.  If you take water and you pour it onto your laptop, as I did once, that will damage your computer; it will cause damage.  The word can be both a noun and a verb.

 

Jackie says, “How is (comprehensive insurance) different from collision insurance?”  The agent explains that comprehensive insurance pays for damage to your car that is not the result of an accident – it is not because of an accident.  An “accident” is, in this case, the same as a collision or a crash, when your car hits something else.  Comprehensive insurance pays for things in addition to accidents, for example in the case of theft.  “In the case of (something)” means if something happens in a particular situation.  “Theft” is when someone steals something from you – steals your car, in this case.  Comprehensive insurance will pay for your car if someone steals it.  Comprehensive insurance will also pay for “weather damage,” if you have bad weather and that damages your car.  It will also pay if you are a victim of vandalism.  A “victim” is someone who is hurt by someone else or something.  “Vandalism” means someone tries to damage your property by throwing something on it or by doing something that would cause it to be harmed in some way.  They may, for example, paint on it or take a rock and throw it at it, that would be an example of vandalism.  If you don’t have comprehensive insurance and your car is vandalized or stolen, you won’t get any money for it.  I discovered this when I had a car many years ago here in Los Angeles, and it was stolen.  I later discovered that I did not have comprehensive insurance, and so I didn’t get any money from the insurance company.

 

Jackie says, “Okay, I want that, too.”  The agent says, “You’ll want property damage insurance to pay for damage you cause to someone else’s property.”  We already talked about liability insurance, which pays for damage you do to someone else or something else.  This is a type of liability insurance: property damage insurance.  The agent says, “On top of that (meaning in addition to that), you’ll want uninsured motorist insurance in case the other driver doesn’t have insurance or doesn’t have enough insurance to pay for the damage to your car” – if they hit you, and they are the ones who are responsible.  So, “uninsured” means not insured.  Even though the law in most states requires that all drivers have insurance, sometimes people don’t do that – they don’t buy the insurance.  And, of course, if the other person hits you and it’s their fault, their insurance should pay for the damages done to your car.  But if they don’t have any insurance, then you can use your own uninsured motorist insurance.  A “motorist” is just another name for a person who drives a car.

 

Jackie says, “Umm…I guess I’ll take that, too.”  Of course, the insurance agent is trying to sell her as much insurance as possible.  The agent says, “And I don’t think you can do without medical payments insurance.”  The expression “can’t do without” means that you must have something.  “Medical payments insurance” is money that is paid for your medical expenses and for the other people who may have been in your car if there is an accident and they are injured, if they break their leg or their arm for example.  

 

The agent says, “It pays for your medical bills and those of your passengers (the other people in the car) in case of an accident.  Should I get you a quote for all of this coverage?”  Jackie says, “Why don’t you hold off on that?”  To “hold off on (something)” is a phrasal verb meaning to wait to do something, to delay something.  So, Jackie’s saying no, I don’t want a quote right now, let’s do that later.  “I’m not sure how I’m going to pay for all that and buy gas, too!”  She doesn’t know if she’ll have the money to pay for all of these different kinds of insurance.  

 

As I said previously, in most states there’s a minimum amount of insurance that you must have, but it doesn’t necessarily mean all of these kinds of insurance.

 

Now let’s listen to the dialogue, this time at a normal speed.

 

[start of dialogue]

 

Agent:  Hello, Krashit Insurance.

 

Jackie:  Hi, I wanted to get a quote for car insurance.

 

Agent:  Sure, I can help you with that.  I assume you want liability insurance, but what other coverage would you like to get?

 

Jackie:  Umm…I’m not sure.  This is my first car.

 

Agent:  In that case, let me make a few suggestions.  You’ll definitely want collision insurance.  It pays to fix your car if you hit another car or run into something.

 

Jackie:  Okay, sure, I want that.

 

Agent:  You’ll also want comprehensive insurance.  It pays for damage to your car.

 

Jackie:  How’s it different from collision insurance?  

 

Agent:  Well, it pays for damage to your car that’s not a result of an accident, like in the case of theft, weather damage, or vandalism.

 

Jackie:  Okay, I want that, too.

 

Agent:  You’ll want property damage insurance to pay for damage you cause to someone else’s property.  On top of that, you’ll want uninsured motorist insurance in case the other driver doesn’t have insurance or doesn’t have enough insurance to pay for the damage to your car.

 

Jackie:  Umm…I guess I’ll take that, too.

Agent:  And I don’t think you can do without medical payments insurance.  It pays for your medical bills and those of your passengers in case of an accident.  Should I get you a quote for all of this coverage?

 

Jackie:  Why don’t you hold off on that?  I’m not sure how I’m going to pay for all that and buy gas, too!

 

[end of dialogue]

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