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Thank you for calling SafeGuard Insurance. If this is an emergency, please hang up and dial 911. To file a new claim, press 1. To check the status of an existing claim, press 2. For all other inquiries, press 3.

感谢致电 SafeGuard 保险。如果是紧急情况，请挂断拨打 911。报新案请按 1。查询已有理赔状态请按 2。其他咨询请按 3。

Claims department, this is Nicole. I understand you need to file a new claim. Are you safe right now? Is anyone injured?

理赔部门，我是 Nicole。我了解您需要报新案。您现在安全吗？有人受伤吗？

I'm glad everyone's OK. Let me get the details. First, can I get your policy number? It starts with SG followed by numbers.

很高兴大家都没事。让我记录一下细节。首先，您的保单号是什么？以 SG 开头后面跟数字。

Got it. Now, can you walk me through what happened? Where and when did the accident occur?

收到。现在能跟我说一下经过吗？事故发生在哪里和什么时候？

Did you exchange information with the other driver? I'll need their name, insurance company, and policy number if you have it. Also, did you file a police report?

您和对方司机交换信息了吗？我需要对方的姓名、保险公司和保单号（如果有的话）。另外，报警了吗？

That's OK — we can look up their policy with the name and insurance company. What's the police report number?

没关系——我们可以用姓名和保险公司查到他们的保单。警察报告编号是多少？

Perfect. Here's what happens next: I'm assigning your claim number — it's CL-88921. Write that down. We'll send an adjuster to inspect the damage within the next 2 to 3 business days. They'll call you to schedule a time. Since you were rear-ended, the other driver is most likely at fault. Your deductible is $500, but if the other driver's insurance accepts liability, you'll get that back. Any questions?

好的。接下来的流程：我给您分配理赔号——CL-88921。请记下来。我们会在 2 到 3 个工作日内派定损员来检查损伤。他们会打电话跟您约时间。因为是追尾，对方很可能全责。您的免赔额是 500 美元，但如果对方保险承认责任，您会拿回这笔钱。有问题吗？

SafeGuard Insurance claims, this is Daniel. What type of claim are you filing today — auto, home, or renters?

SafeGuard 保险理赔部，我是 Daniel。您今天要报什么类型的案——车险、房屋险还是租房险？

I'm sorry to hear that. First things first — have you been able to shut off the water supply to stop the leak? And have you taken photos of the damage?

很遗憾听到这个。首先——您已经关掉水源止住漏水了吗？拍了损伤照片吗？

Good, you did the right thing. Now, your homeowners policy does cover sudden pipe bursts and the resulting water damage. However, I need to let you know about your deductible. Your policy has a $1,000 deductible, which means you're responsible for the first $1,000 of repair costs. Everything above that is covered. Does that make sense?

做得对。您的房屋保险确实承保突发水管爆裂和相关水损。但我需要告诉您免赔额的事。您的保单有 1,000 美元的免赔额，意思是前 1,000 美元的修理费由您承担。超出部分由保险承担。明白吗？

Absolutely — in fact, you're required to take reasonable steps to prevent further damage. That's called 'duty to mitigate.' Go ahead with the emergency plumbing repair and water removal. Keep all receipts — those costs will be included in your claim. Just don't start any major reconstruction until our adjuster has inspected the property.

当然——事实上，您有义务采取合理措施防止进一步损失。这叫'减损义务'。请进行紧急水管修理和排水。保留所有收据——这些费用会包含在您的理赔中。只是在我们的定损员检查房产之前，不要开始任何大规模重建。

An adjuster will contact you within 48 hours to schedule an inspection. The whole claims process typically takes 2 to 4 weeks, depending on the extent of the damage. If the repairs are extensive, we can also arrange temporary housing — that's covered under your policy's loss of use provision. Your claim number is CL-92104. Do you have any other questions?

定损员会在 48 小时内联系您安排检查。整个理赔流程通常需要 2 到 4 周，取决于损伤程度。如果修理工程很大，我们还可以安排临时住所——这在您保单的'使用损失'条款下承保。您的理赔号是 CL-92104。还有其他问题吗？