协商和解金

Negotiating a Settlement Offer

保险公司对理赔做出赔付提议,投保人要么接受,要么试图协商更高的金额,并说明其要求的原因。

对话轮次
8
预计时长
4 分钟
场景
保险理赔

完整对话内容

以下是该情境的完整英语对话,包含中英文对照

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Insurance_adjuster
第 1 轮
Good morning, Ms. Chen. I'm calling to discuss the settlement offer for your recent claim regarding the storm damage to your roof. We've assessed the damages and are proposing a settlement of $8,500.
English
早上好,陈女士。我打电话是为了讨论您最近关于屋顶风暴损坏索赔的和解提议。我们已经评估了损失,建议和解金为8,500美元。
中文翻译
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Policyholder
第 2 轮
Good morning. Thank you for the update. While I appreciate the prompt assessment, $8,500 seems a bit low. My contractor’s estimate for the repairs came in at $11,000, and that includes the cost of quality materials to match the existing roof.
English
早上好。谢谢您的更新。虽然我很感谢迅速的评估,但8,500美元似乎有点低。我的承包商的维修估价是11,000美元,其中包括使用优质材料与现有屋顶相匹配的费用。
中文翻译
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Insurance_adjuster
第 3 轮
I understand your concern. Our offer is based on the fair market value for repairs in your area using standard materials. Could you tell me more about what your contractor's estimate covers that exceeds our assessment?
English
我理解您的担忧。我们的报价是基于您所在地区使用标准材料进行维修的公平市场价值。您能告诉我您的承包商的估价中哪些项目超出了我们的评估吗?
中文翻译
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Policyholder
第 4 轮
Certainly. Their estimate accounts for the specific type of shingles needed to match the existing ones, which are a higher grade than standard. It also includes disposal fees for the damaged materials, and a more comprehensive clean-up, which wasn't clearly itemized in your report.
English
当然。他们的估价考虑了与现有瓦片相匹配所需的特定类型瓦片,这些瓦片比标准等级更高。它还包括损坏材料的处理费,以及更全面的清理,这在您的报告中没有明确列出。
中文翻译
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Insurance_adjuster
第 5 轮
I see. Matching existing materials can indeed add to the cost. Regarding the disposal fees and comprehensive clean-up, those are typically factored into the overall labor cost, but I can certainly re-evaluate that line item. Would you be able to send over your contractor's detailed estimate for us to review?
English
我明白了。匹配现有材料确实会增加成本。关于处理费和全面清理,这些通常会计入总劳务费中,但我当然可以重新评估该项目。您能否将您的承包商的详细估价发给我们审查?
中文翻译
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Policyholder
第 6 轮
Yes, I can email it to you right after this call. I really think a revised offer closer to $10,500 would be more fair, considering the details I’ve provided.
English
是的,我可以在这次电话后立即发邮件给您。考虑到我提供的细节,我真的认为接近10,500美元的修改报价会更公平。
中文翻译
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Insurance_adjuster
第 7 轮
Okay, Ms. Chen. Once we receive and review your contractor's detailed estimate, especially noting the higher-grade shingle cost and comprehensive clean-up, we will reassess our offer. Please allow us a couple of business days for this review. We'll be in touch.
English
好的,陈女士。一旦我们收到并审查您的承包商的详细估价,特别是注意到更高等级的瓦片成本和全面清理,我们将重新评估我们的报价。请给我们几个工作日进行此项审查。我们会与您联系的。
中文翻译
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Policyholder
第 8 轮
That sounds reasonable. I'll send that email right away. Thank you for your flexibility and for taking my concerns into consideration.
English
这听起来很合理。我会立即发送那封电子邮件。感谢您的灵活性并考虑了我的担忧。
中文翻译
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