InsuranceSpanish is an insurance industry resource for Spanish speakers. InsuranceSpanish es un recurso para hispanohablantes en la industria de seguros.

Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home. Now you're in the business world, and you need business vocabulary. Come with us as we go on location to see Insurance Spanish in action.

Tal vez estudiaste español en la escuela, tal vez incluso creciste hablando español en casa, pero ahora estás en el mundo de los negocios y necesitas vocabulario de negocios. Ven con nosotros y descubre Insurance Spanish en acción.

Full Text and Translation at www.InsuranceSpanish.com

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Today I am here with Itzel in a tree house in San Diego, California.
Our phrase for the week is:

Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Physical damage coverage is divided into two different categories: Comprehensive Coverage

Itzel: Coberatura completa o todo riesgo

Dwight: Or Collision Coverage.

Itzel: Cobertura contra choque

Dwight: Collision coverage provides coverage in case your vehicle is damaged in an accident. Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Let’s listen again to the two phrases we used for comprehensive coverage in Spanish:

Itzel: Coberatura todo riesgo. Coberatura completa.

Dwight: The term for comprehensive coverage, in both Spanish and English can be confusing. It sounds like it’s going to cover everything. But with any policy, coverage is always going to be subject to the exclusions. So you need to read the policy to make sure that you have the appropriate coverage.
A key exclusion in a comprehensive insurance policy is an exclusion for collision. So, for example, you might be thinking that you have coverage if you are in an accident if you have comprehensive coverage. But again, comprehensive coverage does not cover you in case you are in an accident. If you want coverage for accidents, you need to get collision coverage. The term for collision coverage in Spanish is:

Itzel: Coberatura contra choque.

Dwight: You’ll notice that in our phrases, we are saying that the insurance company is going to pay after the insured pays the deductible. It is important to know that the deductible is paid per vehicle. So if you are a business with 10 vehicles and you have a $5,000 deductible per vehicle, you could be paying $50,000 in deductibles for the insurance company to repair or replace your vehicles.

Now that we understand what comprehensive coverage means, let’s look at our insurance phrase for the week:

Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

свернуть