ESL Podcast 451 - Buying Car Insurance
quote - quotation; an estimate of how much something will cost; a prediction of the cost of something
They're trying to get quotes to install an electric water heater in their home.
to assume - to believe that something is true without really knowing if it is
Let's assume that you'll make $20,000 in sales each month. That will give you sales of $240,000 per year.
personal liability insurance - money that is paid if your car damages property or hurts or kills someone in an accident
Ted is a millionaire, so he needs a lot of personal liability insurance so that if he hurts someone in a car accident, they won't be able to take away all his money.
coverage - the things that an insurance policy protects one against, and for how much
Does your homeowner's insurance include coverage for floods?
collision insurance - money that is paid if your car is damaged when it hits another car or object
When Mohammed drove through a red light and hit another car, his car was damaged, but fortunately, his collision insurance paid for all of the repairs.
to run into (something) - to hit something, especially while driving
Luigi fell asleep while driving and ran into a tree.
comprehensive insurance - money that is paid if your car is damaged by the weather, if something falls on your car, if someone steals your car, or if someone damages your car while you are not driving
When a tree fell on Carl's car, he had to pay to get it fixed because he didn't have comprehensive insurance.
damage - physical harm to something; physical problems with something
The insects caused significant damage to the house.
accident - a collision; a crash; when a moving car hits another car or an object
What percentage of car accidents involves drunk drivers?
in the case of (something) - if something happens; in a particular situation
It's a good idea to save money in the bank so that in the case of unemployment, we'll have enough money to live on while we look for another job.
theft - when something is stolen
Did you tell the police about the theft of your car radio?
vandalism - when someone physically harms an object or building, often by hitting it very hard or by writing or painting something on it
The school has a problem with vandalism because students are always writing things on their classroom walls and desks.
property damage insurance - money that is paid if your car damages another person's car or property
When I accidentally ran over my neighbor's bicycle, I had to call the insurance company and ask them if my property damage insurance could be used to buy a new bicycle for him.
uninsured motorist insurance - money that is paid if you are hurt or your car is damaged by a driver who didn't have insurance
Xavier's car was hit by someone who didn't have any car insurance, but fortunately, his uninsured motorist insurance paid to fix everything.
medical payments insurance - money that is paid for your medical expenses and the medical expenses of other people who were in your car if the medical problems were caused by an accident that happened while you were driving
Amelia broke her arm in the car accident, but her medical payments insurance paid all the medical bills.
passenger - a person who travels in a car while another person is driving; a person who travels in a bus, train, boat, or plane
Olivia drives a big car with room for six passengers.
to hold off on (something) - to wait to do or have something; to delay
They decided to hold off on their vacation to Manhattan until the spring when the weather will be nicer.