full coverage

简明释义

完全承保

英英释义

例句

1.I decided to get full coverage on my car insurance to protect against any potential damages.

我决定为我的汽车保险选择全面保障，以防止任何潜在的损失。

2.Many renters choose full coverage for their belongings to ensure they are protected against theft or damage.

许多租户选择为他们的财物提供全面保障，以确保他们免受盗窃或损坏的影响。

3.With full coverage, I won't have to worry about out-of-pocket expenses during my hospital stay.

有了全面保障，我就不必担心住院期间的自付费用。

4.The health plan offers full coverage for preventive services, including annual check-ups.

该健康计划为预防服务提供全面保障，包括年度体检。

5.Investing in full coverage for your home can save you from huge financial losses in case of disasters.

为你的房屋投资全面保障可以让你在灾难发生时避免巨大的经济损失。

作文

In today's fast-paced world, having the right insurance is more important than ever. One of the most sought-after types of insurance is auto insurance, and within that category, consumers often look for policies that offer full coverage. But what exactly does full coverage mean? It generally refers to an insurance policy that includes a combination of liability, collision, and comprehensive coverage. This means that not only are you protected against damages to others in an accident, but you are also covered for damage to your own vehicle, regardless of who is at fault.The concept of full coverage can vary by state and insurance provider, but it typically encompasses several key components. Liability coverage is essential because it protects you from financial loss if you are found responsible for an accident that injures someone else or damages their property. Collision coverage, on the other hand, pays for repairs to your own vehicle after an accident, while comprehensive coverage takes care of damages caused by non-collision incidents such as theft, vandalism, or natural disasters.Many drivers believe that opting for full coverage is the best way to ensure peace of mind on the road. However, it's crucial to evaluate whether this type of policy is necessary for your individual situation. For example, if you drive an older car that has a low market value, it might not make financial sense to pay for full coverage. In such cases, carrying only liability insurance could be more cost-effective.Additionally, the costs associated with full coverage can be significant. Premiums may increase based on factors such as your driving history, age, and location. Therefore, it’s vital to shop around and compare quotes from different insurance providers to find the best deal that fits your needs and budget.Another consideration is the deductible amount. Policies that offer full coverage often come with deductibles—an amount you must pay out of pocket before your insurance kicks in. Higher deductibles usually result in lower premiums, but they also mean you will pay more in the event of a claim. It's essential to strike a balance between a manageable deductible and affordable monthly payments.Moreover, understanding the limitations of full coverage is equally important. While it provides extensive protection, it does not cover everything. For instance, damages resulting from racing or driving under the influence may not be covered, and certain exclusions may apply depending on your insurer's policy terms. Therefore, it’s crucial to read the fine print and understand what is and isn’t included in your full coverage policy.In conclusion, full coverage can provide a safety net for drivers, offering a comprehensive approach to auto insurance. However, it is essential to assess your personal circumstances, including the value of your vehicle, your financial situation, and your risk tolerance. By doing so, you can make an informed decision about whether full coverage is the right choice for you. Ultimately, the goal is to ensure that you are adequately protected while also making the most financially sound decision.

在当今快节奏的世界中，拥有合适的保险比以往任何时候都重要。在汽车保险中，消费者通常寻找提供全面覆盖的保单。但全面覆盖究竟意味着什么呢？它通常指的是一种保险政策，包括责任险、碰撞险和综合险的组合。这意味着不仅在事故中你受到保护，免受对他人的损害，而且无论谁负责，你自己的车辆也会得到保障。全面覆盖的概念可能因州和保险提供者而异，但通常涵盖几个关键组成部分。责任险是必不可少的，因为它保护你免受财务损失，如果你被发现对造成伤害或损坏他人财产的事故负责。碰撞险则在事故后支付你自己车辆的维修费用，而综合险则处理因非碰撞事件造成的损害，例如盗窃、恶意破坏或自然灾害。许多驾驶者认为选择全面覆盖是确保在路上安心的最佳方式。然而，评估这种类型的保单是否适合你的个人情况至关重要。例如，如果你驾驶的是一辆市场价值较低的旧车，那么支付全面覆盖的保险费用可能没有经济意义。在这种情况下，仅投保责任险可能更具成本效益。此外，全面覆盖的相关费用可能相当可观。保费可能根据你的驾驶历史、年龄和位置等因素增加。因此，四处购物并比较不同保险提供者的报价，以找到最适合你需求和预算的交易是至关重要的。另一个考虑因素是免赔额。提供全面覆盖的保单通常附带免赔额——这是在保险生效之前你必须自付的金额。较高的免赔额通常导致较低的保费，但这也意味着在索赔时你将支付更多。找到可管理的免赔额和负担得起的月付款之间的平衡至关重要。此外，了解全面覆盖的局限性同样重要。虽然它提供了广泛的保护，但并不涵盖所有内容。例如，由于比赛或酒后驾驶造成的损害可能不在承保范围内，并且根据保险公司的政策条款，某些排除条款可能适用。因此，阅读细则并了解你的全面覆盖保单中包含和不包含的内容至关重要。总之，全面覆盖可以为驾驶者提供安全网，提供全面的汽车保险方案。然而，评估个人情况，包括车辆的价值、财务状况和风险承受能力至关重要。通过这样做，你可以就全面覆盖是否适合你做出明智的决定。最终目标是确保你得到充分保护，同时做出最具财务合理性的决策。