You’re Covered – A podcast about understanding risk, systems, and the stories behind insurance. We break down insurance company financials, challenge assumptions about “safety,” and explore cases that only make sense in hindsight. Whether you’re an everyday listener curious about coverage or a professional seeking fresh perspectives, this is your podcast for thinking beyond the policy. 一个不卖保险，只讲风险、制度和保险公司背后故事的播客。 我们会拆解保险公司财报、讨论你以为“安全”的错觉，以及那些事后才看得懂的案例。 无论你是普通人想理解保障，还是行业内人士想听不同视角，这里都是你的“理解力升级站”。
YOU’RE COVERED
Claim This Podcastby 李木子
5.0(1 reviews)
5 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation 🇺🇸
Podcast Overview
You’re Covered – A podcast about understanding risk, systems, and the stories behind insurance. We break down insurance company financials, challenge assumptions about “safety,” and explore cases that only make sense in hindsight. Whether you’re an everyday listener curious about coverage or a professional seeking fresh perspectives, this is your podcast for thinking beyond the policy. 一个不卖保险，只讲风险、制度和保险公司背后故事的播客。 我们会拆解保险公司财报、讨论你以为“安全”的错觉，以及那些事后才看得懂的案例。 无论你是普通人想理解保障，还是行业内人士想听不同视角，这里都是你的“理解力升级站”。
Language
🇨🇳
Publishing Since
1/28/2026
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Recent Episodes
April 23, 2026
《开了辅助驾驶，撞了算谁的？》
<p>本期速览：</p><p>- 辅助驾驶出事故，责任算谁的？</p><p>- 车的“黑匣子”会记录什么？</p><p>- 为什么车越智能，保险反而更贵？</p><p><br></p><p>这期我们不讨论“车有多智能”，</p><p>只回答一个更现实的问题：</p><p><strong>开了辅助驾驶撞了车，责任算谁的？</strong></p><p><strong>你可以把一部分操作交给车，但责任，大多数时候还在你身上。</strong></p><ul><li><p>当前绝大多数车辆属于 <strong>L2辅助驾驶（Level 2）</strong></p><p>中文：二级辅助驾驶（车能帮你开，但你必须一直负责）</p></li><li><p>核心逻辑：</p><p><strong>系统是“辅助”，不是“替代”</strong></p></li><li><p>现实结果：</p><p>出事故优先看驾驶员是否失职</p><p>很少直接认定“车的责任”</p></li></ul><p>核心理解：</p><p><strong>按钮按下去，不等于责任转出去</strong></p><p>现在的车，不只是工具，而是：</p><p><strong>EDR（Event Data Recorder）事故数据记录器</strong></p><p>会记录：</p><ul><li><p>车速 / 刹车 / 转向</p></li><li><p>辅助驾驶是否开启</p></li><li><p>系统是否发出接管提示</p></li></ul><p>现实变化：</p><p> 过去：<strong>人说了算</strong></p><p> 现在：<strong>数据说了算</strong></p><p>核心理解：</p><p><strong>以前是人对人，现在是人对数据</strong></p><p><br></p><p>很多人误解：</p><p>👉 “更安全 = 更便宜”</p><p><br></p><p>但现实是：</p><ul><li><p>传感器（雷达 / 摄像头）更贵</p></li><li><p>维修需要重新校准</p></li><li><p>一次事故赔付金额更高</p></li></ul><p>核心理解：</p><p><strong>车更聪明了，但犯错更贵了</strong></p><p><br></p><ul><li><p>不要把辅助驾驶当自动驾驶</p></li><li><p>出事故要第一时间留证据（照片 + 视频 + 系统提示）</p></li><li><p>涉及车辆数据调取时，要明确范围并尽量保留副本</p></li></ul><p>技术在往前走，</p><p>但责任、规则和保险逻辑，并没有同步进化。</p><p><br></p><p><strong>车越来越像司机，但在很多理赔现场，它更像一个证人。</strong></p><p><br></p><p><br></p><p><strong>🎙️ 关于本节目</strong></p><p>我是 Chris，</p><p>这里是 <strong>You’re Covered</strong>。</p><p>我们不聊保险产品，</p><p>只讲一件事：</p><p><strong>当风险真的发生时，谁来负责。</strong></p><p><br></p>
February 26, 2026
看到那个六位数时，我突然理解了 Condo 的风险。
<p>刚买完 condo，</p><p>晚上翻 HOA 文件，看到一个六位数的分摊预估。</p><p><br></p><p>那一刻才明白——</p><p>Condo 真正贵的，可能不是房价。</p><p><br></p><p>这期聊聊：</p><p>Special Assessment 到底怎么来的？</p><p>保险到底能不能救你？</p>
February 13, 2026
为什么不少Umbrella 不cover Tesla 自己的保险？
<p>为什么不少 Umbrella 保险公司不接受 Tesla Insurance 作为底层 auto policy？我会在这里解答这个问题。</p>
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