强制保险都赔什么：中英双语解读

中文段落：

强制保险，也称为法定保险，是由国家法律规定必须购买的保险。这种保险通常涵盖了人们在日常生活中可能遇到的各种风险，如交通事故、工伤、自然灾害等。那么，强制保险都赔什么呢？

在交通事故中，强制保险主要赔偿因被保险车辆造成的事故损失。这包括对方车辆的修理费用、对方车辆上人员的医疗费用以及可能的死亡赔偿金。同时，如果事故导致被保险人自己的车辆受损，强制保险也会赔偿一定的修理费用。

对于工伤保险，强制保险则主要赔偿因工作原因导致的意外伤害。这包括医疗费用、伤残赔偿金、误工费以及可能的死亡赔偿金。此外，工伤保险还涵盖了职业病的赔偿。

在自然灾害方面，强制保险通常包括地震、洪水、火灾等灾害的赔偿。具体的赔偿项目会因不同的保险产品和地区而有所不同，但通常会包括房屋损失、财产损失以及可能的人员伤亡赔偿。

需要注意的是，强制保险虽然覆盖了大部分常见风险，但仍有其局限性。因此，在购买强制保险的同时，建议消费者根据自身需求购买其他类型的保险，以更全面地保障自己的利益。

英文段落：

What Does Compulsory Insurance Cover? A Comparative Reading in Chinese and English

Compulsory insurance, also known as mandatory insurance, is a type of insurance that must be purchased by law. This type of insurance typically covers various risks that people may encounter in their daily lives, such as traffic accidents, work-related injuries, and natural disasters. So, what does compulsory insurance actually cover?

In the case of traffic accidents, compulsory insurance primarily covers losses caused by the insured vehicle. This includes repair costs for the other party's vehicle, medical expenses for those injured in the other vehicle, and possible compensation for death. Additionally, if the accident results in damage to the insured's own vehicle, compulsory insurance will also cover certain repair costs.

For work-related injuries, compulsory insurance primarily covers accidental injuries sustained due to work activities. This includes medical expenses, compensation for disability, lost wages, and possible compensation for death. Furthermore, compulsory insurance also covers compensation for occupational diseases.

In terms of natural disasters, compulsory insurance usually covers events such as earthquakes, floods, fires, and other disasters. The specific items covered can vary depending on different insurance products and regions, but they typically include losses to property, assets, and possible compensation for casualties.

It's important to note that while compulsory insurance covers most common risks, it still has its limitations. Therefore, when purchasing compulsory insurance, it is recommended that consumers consider purchasing other types of insurance based on their individual needs to ensure more comprehensive protection of their interests.