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Unit 25 :
Buying Car Insurance
Intermediate
Summary
To be able to learn basic auto insurance concepts.
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- Brain Storm : Share your ideas with your teacher. Try to make sentences.
Do you think insurance is important?
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Vocabulary
Repeat the following words and phrases with your teacher and use them in a sentence.
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- quote
- assume
- liability insurance
- collision
- vandalism
- passengers
- property damage
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Dialogue
Read the dialogue aloud with your teacher.
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Agent
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Jackie
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Hello, Krashit Insurance.
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Hi, I wanted to get a quote for car insurance.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-07.png)
Sure, I can help you with that. I assume you want liability insurance, but what other coverage would you like to get?
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
Umm…I’m not sure. This is my first car.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-07.png)
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.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
Okay, sure, I want that.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-07.png)
You’ll also want comprehensive insurance. It pays for damage to your car.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
How’s it different from collision insurance?
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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.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
Okay, I want that, too.
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You’ll want property damage insurance to pay for damage you cause to someone else’s property.
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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.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
Umm…I guess I’ll take that, too.
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-07.png)
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?
![](https://25hoon.com/wp-content/uploads/2020/07/dialogur_head-09.png)
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!
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Let’s practice 1
Arrange the jumbled letters to come up with an insurance vocabulary list. Definitions of each word is given as your clue.
1.iaclm- A formal request made by the insurance policyholder to the insurance company for payment or services covered by the insurance policy.
2. veisnehrepmoc- An insurance policy that provides complete protection
3. iskr- Chance or possibility of injury, damage, or loss
4. rancenisu- A financial product (called an insurance contract or policy) that you buy from an insurance company or organization.
5. sols- Death, injury, or damage that is the basis for a claim
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Let’s practice 2
Complete the word/words. Definition of each word/ words is given as your clue.
1. p_li_ _ – A contract of insurance.
2. _nsu_ance a_ _nt – Licensed representative who handles the purchase of insurance between the customer and the insurance company.
3. De_u_tib_e – the amount you must pay before the insurance company will pay.
4. _over_ _e – The risks covered and amount of money paid for the loss.
5. P_l_ _y_ol_e_ – The person to whom an insurance policy is issued.
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Discussion:
Share your ideas with your teacher.
- When you buy something, do you usually ask the company for insurance?
- What are the advantages of having an insurance?
- What kind of insurance do you have?