主题 17 · 事故记录Incident Records
事故后的沟通与记录Communicate and Document an Incident
现场事实、警方记录和保险索赔是不同的记录，不能把尚未查明的原因写成责任结论。跟着一次虚构的停车场碰擦，看看司机怎样向车队传递已知信息。Scene facts, a police report, and an insurance claim are different records; an unverified cause is not a fault finding. Follow a fictional parking-lot contact as a driver reports what is known to the carrier.
辨一辨Check your understanding
一道小练习ONE QUICK QUESTION保险调查员来电时，司机只知道碰擦发生的时间与位置，最合适的说法是？An adjuster calls, but the driver only knows the time and place of contact. What is best?
再看一下： 描述事实与证据来源，并把未确定的问题留待调查。Describe facts and their source, leaving unresolved questions for investigation.
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本主题词汇Vocabulary for this topic 11
案例先讲清 6 个核心词。其余按遇到的问题查阅，点开词名即可看解释。
现场事实Scene facts
记录位置、目击情况和其他异常。Record location, witnesses, and other conditions.
Scene Location事发位置核心
事件发生地点的具体描述。A specific description of where an event occurred.
完整词条与相关词Full entry & related termsWitness目击者核心
亲眼看到事件某部分经过的人。Someone who directly observed part of an event.
完整词条与相关词Full entry & related termsSpill泄漏
燃油、货物或其他物质意外溢出。Unintended release of fuel, cargo, or another substance.
完整词条与相关词Full entry & related termsNear Miss险情未遂事件
险些造成伤害或损失但未发生该结果的事件。An event that nearly caused harm or loss without that outcome.
完整词条与相关词Full entry & related terms报告与跟进Reports and follow-up
内部报告、警方报告和理赔各有用途。Internal, police, and claim records have separate roles.
Incident Report事件报告核心
单位记录事故或运营事件经过的文件。An organization's record of an accident or operating incident.
完整词条与相关词Full entry & related termsPolice Report警方报告核心
执法机构对事件制作的报告。A law-enforcement report about an incident.
完整词条与相关词Full entry & related termsClaim Number理赔编号核心
保险方用于跟踪一宗索赔的编号。An insurer's tracking number for a claim.
完整词条与相关词Full entry & related termsAdjuster理赔调查员核心
代表保险方调查、评估索赔的人。A person investigating and evaluating a claim for an insurer.
完整词条与相关词Full entry & related termsTowing拖车牵引
用拖车设备移动故障或事故车辆。Moving a disabled vehicle with towing equipment.
完整词条与相关词Full entry & related termsRecovery车辆救援
把事故或陷困车辆取出并移至可处理位置。Retrieving a crashed or stuck vehicle for handling.
完整词条与相关词Full entry & related termsCargo Insurance货物险
针对承运货物特定损失或损坏的保险。保哪些货、哪些损失原因、限额和免赔额都要看保单；客户提出的投保要求与联邦申报要求也不是一回事。Insurance for specified loss or damage to cargo being transported. Covered commodities, causes of loss, limits, and deductibles depend on the policy. Customer insurance requirements and federal filing requirements are separate questions.
完整词条与相关词Full entry & related terms