Understanding Insurance Options
The rental agent explains different types of insurance coverage (e.g., Collision Damage Waiver, Theft Protection, Liability), their benefits, exclusions, and associated costs, and the customer makes a decision.
租车代理解释不同类型的保险（例如，碰撞险、盗窃保护险、第三方责任险），它们的好处、例外情况和相关费用，顾客做出选择。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
insurance
Protection you buy to cover costs if something bad happens, like car damage or theft. In renting, it's optional add-ons to basic coverage.
您购买的保护，以覆盖突发事件造成的费用，例如汽车损坏或盗窃。在租房中，这是基本覆盖范围的可选附加项目。
coverage
The range of protection provided by insurance. For example, 'third-party liability coverage' protects against damage to others' property.
保险提供的保护范围。例如，“第三方责任保险覆盖范围”可保护他人财产免受损坏。
liability
Legal responsibility for harm or damage caused to others. Basic car rental insurance often includes third-party liability to cover accidents involving other vehicles.
对他人造成的损害或伤害的法律责任。基本的租车保险通常包括第三方责任，以覆盖涉及其他车辆的事故。
Collision Damage Waiver (CDW)
An optional insurance that reduces your payment for damage to the rental car in a collision. It's like a waiver that limits your financial risk.
一种可选的保险，可减少您在碰撞中对租用汽车损坏的付款。它就像一种豁免，限制您的财务风险。
deductible
The amount of money you must pay out of pocket before the insurance company pays the rest. Also called an 'excess' in some countries.
您必须自掏腰包支付的金额，在保险公司在支付剩余部分之前。也称为某些国家的“excess”。
Theft Protection
Insurance that covers the cost if the rental car is stolen. It's often combined with other options like LDW for full vehicle protection.
如果租用汽车被盗，此保险将覆盖费用。它通常与其他选项如 LDW 结合，以实现完整的车辆保护。
Personal Effects Coverage (PEC)
Insurance specifically for your personal items, like luggage or electronics, if they are damaged or stolen from the rental car.
专门为您的个人物品提供的保险，例如行李或电子产品，如果它们在租车中损坏或被盗。
peace of mind
A feeling of security and no worry. People buy extra insurance for peace of mind during travel, even if it's not always necessary.
一种安全感和无忧的感觉。人们在旅行时为了安心而购买额外的保险，即使并非总是必要。
关键句型
需要记住和练习的重要短语
What's the standard coverage included, if any?
This question asks about basic free insurance in a polite way. 'If any' means 'if there is some.' Useful when clarifying what's already provided without extra cost in services like rentals.
这个问题以礼貌的方式询问基本免费保险。'如果有的话'意思是'如果存在一些'。在澄清租赁等服务中无需额外费用已提供的内容时很有用。
We strongly recommend our Collision Damage Waiver, or CDW, which limits your financial responsibility.
A recommendation sentence using 'strongly recommend' for emphasis. 'Or' introduces an abbreviation. The relative clause 'which limits...' explains benefits. Great for sales or advice situations.
使用 'strongly recommend' 来强调的推荐句子。'Or' 引入缩写。关系从句 'which limits...' 解释好处。非常适合销售或建议情境。
So, with CDW, if I get into an accident, I won't pay for the full repair cost?
A confirmation question starting with 'So' to connect ideas. Conditional 'if I get into an accident' shows a hypothetical situation. Use this to check understanding in discussions about options.
以‘So’开头的一个确认问题，用于连接想法。条件句‘if I get into an accident’显示了一个假设情况。在讨论选项时，用来检查理解。
There's typically an excess or deductible, meaning you're responsible for the first portion of the damage.
Explains a concept with 'typically' meaning 'usually.' 'Meaning' introduces a definition. Useful for describing insurance terms clearly, like how much you pay upfront.
用“typically”意思是“通常”来解释一个概念。“Meaning”引入定义。有助于清楚描述保险术语，比如您预先支付的金额。
LDW sounds like a more comprehensive option.
Expresses an opinion with 'sounds like' for tentative agreement. 'Comprehensive' means complete or thorough. Say this when comparing choices and preferring a fuller package.
使用 'sounds like' 表达意见，表示试探性的同意。'Comprehensive' 意思是完整或彻底的。当比较选择并偏好更完整的方案时说这个。
I'll go with the LDW for sure.
'Go with' is an idiom meaning 'choose.' 'For sure' adds certainty. This is a decisive response when making a purchase decision, common in shopping or service scenarios.
'Go with' 是一个习语，意思是 '选择'。'For sure' 添加了确定性。这是在做出购买决定时的决定性回应，在购物或服务场景中很常见。
Are you sure about passing on the PEC?
'Pass on' means 'decline' or 'skip.' This is a polite confirmation question. Use it to double-check a customer's choice before finalizing, especially for optional add-ons.
'Pass on' 意思是 '拒绝' 或 '跳过'。这是一个礼貌的确认问题。在最终确定之前，使用它来仔细检查客户的选项，尤其是可选附加功能。
Ready to sign the papers.
A short statement indicating readiness to proceed with a contract. 'Papers' refers to documents. Informal and direct; use it when confirming agreement after discussions.
一个简短的声明，表示准备好继续进行合同。'Papers' 指文件。非正式且直接；在讨论后确认协议时使用。