了解保险选项
Understanding Insurance Options
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。
对话轮次
10
预计时长
5 分钟
场景
租车服务
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
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Rental Agent
第 1 轮
Alright, Mr. Davies, now let's talk about insurance options. We have a few different packages available.
English
好的，戴维斯先生，现在我们来谈谈保险选项。我们有几种不同的套餐可选。
中文翻译
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学习者
第 2 轮
Okay, what's the standard coverage included, if any? And what are the main add-ons I should consider?
English
好的，如果有什么标准承保范围，那是什么？我主要应该考虑哪些附加险？
中文翻译
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Rental Agent
第 3 轮
By default, your rental includes basic third-party liability, which covers damages to other vehicles or property. Beyond that, we strongly recommend our Collision Damage Waiver, or CDW, which limits your financial responsibility for damage to our rental car.
English
默认情况下，您的租车包含基本的第三方责任险，承保对其他车辆或财产的损害。除此之外，我们强烈建议您选择碰撞险，即CDW，它可以限制您对我们租赁车辆损坏的经济责任。
中文翻译
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学习者
第 4 轮
So, with CDW, if I get into an accident, I won't pay for the full repair cost?
English
那么，有了CDW，如果我出了事故，我就不用支付全部维修费用了吗？
中文翻译
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Rental Agent
第 5 轮
Exactly. There's typically an excess or deductible, meaning you're responsible for the first portion of the damage, but the CDW covers the rest. We also offer a Loss Damage Waiver, or LDW, which combines CDW with Theft Protection.
English
没错。通常会有一个免赔额或自付额，这意味着您需要承担损害的第一部分，但CDW会承保其余部分。我们还提供损失损害豁免，即LDW，它将CDW与盗窃保护结合在一起。
中文翻译
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学习者
第 6 轮
Okay, so LDW sounds like a more comprehensive option. What about personal accident insurance or anything that covers my belongings?
English
好的，所以LDW听起来更全面。那个人意外险或任何可以承保我个人物品的保险呢？
中文翻译
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Rental Agent
第 7 轮
Good question. For your personal belongings, we offer Personal Effects Coverage, or PEC. And if you're concerned about medical expenses or accidental death while driving, we have Personal Accident Insurance. These are separate from the vehicle damage coverage.
English
好问题。对于您的个人物品，我们提供个人物品险，即PEC。如果您担心驾驶时的医疗费用或意外死亡，我们有个人意外险。这些与车辆损坏险是分开的。
中文翻译
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学习者
第 8 轮
I see. So, the LDW covers the car for collision and theft, and then PEC for my stuff. I think I'll go with the LDW for sure. For the PEC, I'll pass; my travel insurance might cover that. How much is the LDW daily?
English
我明白了。所以，LDW承保车辆的碰撞和盗窃，然后PEC承保我的物品。我觉得我肯定会选择LDW。PEC我就不选了；我的旅行保险可能覆盖那部分。LDW每天多少钱？
中文翻译
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Rental Agent
第 9 轮
The LDW is an additional $25 per day. It's our most popular choice for peace of mind. Are you sure about passing on the PEC? It provides specific coverage for items kept in the vehicle.
English
LDW每天额外收费25美元。这是我们最受欢迎的选择，让您安心。您确定不选择PEC吗？它为车内物品提供特定保障。
中文翻译
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学习者
第 10 轮
Yes, I'm confident my travel insurance has me covered for personal effects. Let's just stick with the LDW. Ready to sign the papers.
English
是的，我确信我的旅行保险承保了我的个人物品。我们就选择LDW吧。准备好签文件了。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
insurance
保险
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.
中文解释
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
保险覆盖范围
The range of protection provided by insurance. For example, 'third-party liability coverage' protects against damage to others' property.
中文解释
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
责任
Legal responsibility for harm or damage caused to others. Basic car rental insurance often includes third-party liability to cover accidents involving other vehicles.
中文解释
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)
碰撞损坏豁免 (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.
中文解释
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
自付额
The amount of money you must pay out of pocket before the insurance company pays the rest. Also called an 'excess' in some countries.
中文解释
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
盗窃保护
Insurance that covers the cost if the rental car is stolen. It's often combined with other options like LDW for full vehicle protection.
中文解释
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)
个人物品保险 (PEC)
Insurance specifically for your personal items, like luggage or electronics, if they are damaged or stolen from the rental car.
中文解释
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
安心
A feeling of security and no worry. People buy extra insurance for peace of mind during travel, even if it's not always necessary.
中文解释
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。
重点句型
"What's the standard coverage included, if any?"
"标准覆盖范围包括什么，如果有的话？"
重点句型
语法解析
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.
中文解析
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."
"我们强烈推荐我们的碰撞损坏豁免，或简称CDW，这将限制您的财务责任。"
重点句型
语法解析
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.
中文解析
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?"
"那么，有CDW的话，如果我出事故，就不用支付全部维修费用吗？"
重点句型
语法解析
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.
中文解析
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."
"通常有自付额或免赔额，这意味着您负责损坏的前一部分。"
重点句型
语法解析
Explains a concept with 'typically' meaning 'usually.' 'Meaning' introduces a definition. Useful for describing insurance terms clearly, like how much you pay upfront.
中文解析
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."
"LDW 听起来是一个更全面的选择。"
重点句型
语法解析
Expresses an opinion with 'sounds like' for tentative agreement. 'Comprehensive' means complete or thorough. Say this when comparing choices and preferring a fuller package.
中文解析
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."
"我肯定选择 LDW。"
重点句型
语法解析
'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.
中文解析
'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?"
"您确定要放弃 PEC 吗？"
重点句型
语法解析
'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.
中文解析
'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."
"准备好签文件了。"
重点句型
语法解析
A short statement indicating readiness to proceed with a contract. 'Papers' refers to documents. Informal and direct; use it when confirming agreement after discussions.
中文解析
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。