汽车保险是碰撞保险，住房保险homeowners insurance is—曾经被称为火灾保险，如今火险的可保风险已非常广泛。
Automobile insurance is collision insurance; it used to be called fire insurance but now they've extended it to include so many other risks.
降低风险：复杂的信用评分体系已降低了违约风险和丧失赎取权的风险，而同时可扩大自动保险系统的使用。
Reducing risk: Sophisticated credit scoring systems have reduced the risks of default and foreclosure while enabling the expanded use of automated underwriting systems.
特别是保险企业，它是经营风险的经济单位，保险公司专门承保社会各风险单位的各类可保风险，收取保费并支付保险金。
Especially to insurance companies, they manage risks through professionally insuring many kinds of insuring risks in society, charging and paying indemnity for a loss.
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