Third-Party Property Claim

1. Insurance Company Representative · turn 1

   Good morning. You've called AAMI Insurance. My name is Harry. How can I help you today?

   早安，這裡是AAMI保險公司。我叫Harry。今天有甚麼可以幫到您的？

2. Client · turn 2

   你好，我叫黃明亮。我替我的車買了你們的第三者財產損失保險。今天早上我發生了一宗交通事故，我想提出索償。

   Hello, my name is Mingliang Huang. I have Third Party Property Damage insurance for my car with your company. I was involved in a traffic accident this morning and would like to make a claim.

3. Insurance Company Representative · turn 3

   Certainly, Mr Huang. I'd be happy to help you with that. Before we proceed, could you please provide your details, including the spelling of your surname, your date of birth and your residential address, so I can verify your identity in our system? I'll also need your policy number.

   當然可以，黃先生。我很樂意協助您。 在繼續之前，請您提供個人資料，包括姓氏的拼寫、出生日期和住宅地址，讓我在系統中核實您的身分，可以嗎？我也需要您的保單號碼。

4. Client · turn 4

   我的姓氏是黃，H-U-A-N-G。我的出生日期是1983年7月14日。我住在 Burwood 區 White Street 123 號。 請稍等一下，我找一下保單……找到了，我的保單號碼是 TPPD21853。

   My surname is Huang, H-U-A-N-G. My date of birth is 14 July 1983. I live at 123 White Street in Burwood. Please wait a moment while I find the policy... Here it is. My policy number is TPPD21853.

5. Insurance Company Representative · turn 5

   Thank you, Mr Huang. I've located your policy. I can confirm that you hold a Third Party Property Damage insurance policy with us. Now I'll need some details about the accident. Could you please tell me what happened this morning?

   謝謝，黃先生。 我已經找到您的保單，可以確認您在本公司持有第三者財產損失保險。 現在我需要了解事故的詳情。請您告訴我今天早上發生了甚麼事，可以嗎？

6. Client · turn 6

   我住在一棟設有地下停車場的公寓。 今天早上我開車出門的時候，不小心擦撞到停在車庫出口左側的一輛車尾部。 那輛車違規停車，車身有一部分擋住了車庫出口，所以我才不小心刮到它。

   I live in an apartment building with an underground car park. When I was driving out this morning, I accidentally scraped the rear of a car parked on the left-hand side of the garage exit. That car was parked illegally, and part of it was blocking the garage exit, which is why I accidentally scraped it.

7. Insurance Company Representative · turn 7

   Thank you for explaining the situation. Was anyone injured in the accident?

   謝謝您說明情況。 事故中有人受傷嗎？

8. Client · turn 8

   沒有，沒有人受傷，只有兩輛車有輕微損壞。

   No, nobody was injured. There was only minor damage to the two vehicles.

9. Insurance Company Representative · turn 9

   Did you report the accident to the police?

   您有向警方報告這宗事故嗎？

10. Client · turn 10

    沒有。因為沒有人受傷，而且損毀不嚴重，所以我們沒有報警。

    No. Because nobody was injured and the damage wasn’t serious, we didn’t contact the police.

11. Insurance Company Representative · turn 11

    That's fine. Did you exchange your contact details with the other driver?

    沒問題。 您有與另一名司機交換聯絡資料嗎？

12. Client · turn 12

    有，我們交換了姓名、電話號碼、車牌號碼和駕駛執照資料。我也拍了事故現場和兩輛車受損位置的照片。

    Yes. We exchanged our names, telephone numbers, vehicle registration numbers and driver licence details. I also took photographs of the accident scene and the damaged areas of both vehicles.

13. Insurance Company Representative · turn 13

    Excellent. Those photos may assist us during the claims investigation. According to your policy, you're covered for damage caused by your vehicle to a third party's property in the event of an accident. In this case, we can cover the cost of repairing the other vehicle. However, the cost of repairing your own vehicle is not covered under your policy.

    很好。這些照片可能有助於我們調查索賠。 根據您的保單，如果發生事故，您的保險會承保由您的車輛對第三者財產造成的損壞。 在這種情況下，我們可以承保另一輛車的維修費用。不過，您自己的車輛維修費並不在保單承保範圍內。

14. Client · turn 14

    我知道。不過我的車沒有什麼損壞，只是車頭有一點刮痕。 那對方車輛的維修費是不是全部由你們支付？還是我需要支付自付額？

    I understand. My car isn’t badly damaged, though; there is only a small scratch on the front. Will you pay the entire cost of repairing the other vehicle, or will I need to pay an excess?

15. Insurance Company Representative · turn 15

    You will need to pay an excess of **$550**. If you have a credit card with you, we can process the payment today. Alternatively, you can call us later to provide your payment details.

    您需要支付**550澳元**的自付額。 如果您現在有信用卡，我們今天就可以處理付款。您也可以稍後再致電提供付款資料。

16. Client · turn 16

    我現在就付吧。 可是，如果對方修車的實際費用低於550澳元的自付額，那怎麼辦？

    I’ll pay it now. However, what happens if the actual cost of repairing the other car is less than the 550-dollar excess?

17. Insurance Company Representative · turn 17

    If that happens, we can simply cancel your claim and notify you. You can then pay the owner of the other vehicle directly without going through your insurance. However, based on my experience, repairs of this nature usually cost more than **$550**.

    如果出現這種情況，我們可以直接取消您的索賠並通知您。 然後，您可以不經保險公司，直接向另一輛車的車主支付費用。 不過，根據我的經驗，這類維修費用通常會超過**550澳元**。

18. Client · turn 18

    明白了。 另外，我這次索償會不會影響我的無索償折扣？

    I understand. Also, will this claim affect my No Claim Discount?

19. Insurance Company Representative · turn 19

    Yes, it may affect your No Claim Discount when your policy is renewed. However, we'll only be able to confirm that after the claim has been assessed and finalised.

    是的，這可能會在續保時影響您的無索償折扣。 不過，我們只能在索賠完成評估和結案後作出確認。

20. Client · turn 20

    好的，我了解了。 那我先聯絡對方車主，看看他的車送去維修之後需要多少費用。事故發生後，我們互相留下了聯絡方式。

    All right, I understand. I’ll contact the other vehicle’s owner first and find out how much the repairs will cost after the car is taken in. We exchanged contact details after the accident.

21. Insurance Company Representative · turn 21

    That sounds like a good plan. Once you know the repair costs, please contact us again. We'll advise you whether it's more appropriate to proceed with your claim or settle the matter privately. Is there anything else I can help you with today?

    這個做法很好。 知道維修費用後，請再次聯絡我們。我們會建議您繼續提出索賠，還是私下解決會更加合適。 今天還有其他事情需要我協助嗎？

22. Client · turn 22

    沒有了，非常感謝你的幫助。

    No, that’s all. Thank you very much for your help.

23. Insurance Company Representative · turn 23

    You're very welcome, Mr Huang. Thank you for calling AAMI Insurance. Have a good day and drive safely.

    不客氣，黃先生。 感謝您致電AAMI保險公司。祝您有愉快的一天，駕駛時請注意安全。

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