讨论保险选择
Discussing Insurance Coverage Options
租车代理解释可用的各种保险选项（例如，碰撞险、补充责任险、个人事故险），它们的承保范围、免赔额和费用。顾客提出澄清问题以决定购买哪种保险。
对话轮次
9
预计时长
4 分钟
场景
租车咨询
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
👩
Lisa
第 1 轮
Alright, Mr. Thompson, let's go over the insurance options for your rental. Our standard rental includes basic coverage, but we highly recommend considering additional protection.
English
好的，汤普森先生，我们来讨论一下您的租车保险选项。我们的标准租车包含基本保险，但我强烈建议您考虑额外的保障。
中文翻译
👨
James
第 2 轮
Okay, what are the main options? I want to make sure I'm adequately covered, but I don't want to overpay either.
English
好的，主要有哪些选项？我想确保我有足够的保险，但也不想花冤枉钱。
中文翻译
👩
Lisa
第 3 轮
Of course. The most common options are our Collision Damage Waiver, or CDW, which covers damage to our vehicle. Then there's Supplemental Liability Insurance, SLI, for third-party damages, and Personal Accident Insurance, PAI, for medical expenses in case of an accident.
English
当然。最常见的选项是我们的碰撞险，简称CDW，它承保我们车辆的损坏。然后是补充责任险，SLI，用于第三方损害，还有个人事故险，PAI，用于发生事故时的医疗费用。
中文翻译
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James
第 4 轮
So, the CDW covers my rental car. What kind of deductible does it have, and what's the daily cost for that?
English
所以，CDW承保我租的这辆车。它的免赔额是多少？每天的费用又是多少？
中文翻译
👩
Lisa
第 5 轮
With the full CDW, there's no deductible. It's an additional $25 per day. We also have a partial CDW with a $500 deductible for $15 daily.
English
购买全额CDW的话，没有免赔额。每天额外收费25美元。我们也有部分CDW，免赔额为500美元，每天收费15美元。
中文翻译
👨
James
第 6 轮
No deductible sounds good. And the SLI? What does that typically cover and for how much?
English
没有免赔额听起来不错。那SLI呢？它通常承保什么，费用是多少？
中文翻译
👩
Lisa
第 7 轮
The SLI provides up to $1 million in coverage for damages or injuries you might cause to other people or their property. That's usually $18 a day, and it's highly recommended, especially if your personal auto insurance doesn't extend to rental cars.
English
SLI提供高达100万美元的承保，用于您可能对他人或其财产造成的损害或伤害。这通常是每天18美元，强烈推荐，特别是如果您的个人汽车保险不涵盖租车。
中文翻译
👨
James
第 8 轮
Got it. So, if I take the full CDW and the SLI, that's $43 a day. And the PAI, that's for medical, right?
English
明白了。那如果我选择全额CDW和SLI，就是每天43美元。PAI是医疗保险，对吗？
中文翻译
👩
Lisa
第 9 轮
Exactly. PAI covers up to $10,000 in medical expenses for you and your passengers and also offers a small accidental death benefit. It's $8 a day, but many credit cards offer some form of travel accident insurance, so you might want to check if you're already covered.
English
没错。PAI承保您和您的乘客高达1万美元的医疗费用，并提供小额意外死亡赔偿。每天是8美元，但许多信用卡提供某种形式的旅行意外险，所以您可能想查一下是否已经有覆盖了。
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
coverage
覆盖范围
This means protection or insurance that pays for certain risks, like damage or accidents. In car rentals, it refers to what the insurance includes.
中文解释
这意味着保护或保险，用于支付某些风险，如损坏或事故。在租车中，它指的是保险所包含的内容。
deductible
免赔额
The amount you must pay out of pocket before the insurance starts to pay. For example, a $500 deductible means you pay the first $500 of any claim.
中文解释
在保险开始支付之前，您必须自掏腰包支付的金额。例如，500美元的免赔额意味着您需要支付任何索赔的前500美元。
waiver
豁免
An agreement that gives up your right to sue or claim, often used in insurance like CDW to waive responsibility for damages.
中文解释
一项放弃起诉或索赔权利的协议，常用于保险如CDW中，以豁免对损害的责任。
liability
责任
Legal responsibility for damage or injury to others. In insurance, it covers costs if you're at fault in an accident.
中文解释
对他人损害或伤害的法律责任。在保险中，如果你在事故中有过错，它覆盖相关费用。
supplemental
supplemental
Something added to basic coverage to provide extra protection. Like supplemental insurance that goes beyond standard policies.
中文解释
添加到基本覆盖以提供额外保护的东西。就像补充保险那样，超出标准保单。
partial
部分的
Not complete; only part of something. In insurance, partial coverage means it protects some but not all risks, often with a deductible.
中文解释
不完整的；仅为某物的一部分。在保险中，部分保险意味着它保护某些但不是所有风险，通常有免赔额。
recommend
推荐
To suggest something as a good idea. Agents often recommend insurance options to help customers make safe choices.
中文解释
将某事建议为一个好主意。代理人经常推荐保险选项，以帮助客户做出安全的选择。
重点句型
"We highly recommend considering additional protection."
"我们强烈推荐考虑额外的保护。"
重点句型
语法解析
This is a polite way to suggest something important. Use it in service situations to advise without pushing too hard. 'Highly recommend' emphasizes strong suggestion; 'considering' means thinking about it.
中文解析
这是礼貌地建议重要事情的一种方式。在服务场合中使用它来提供建议，而不会过于强硬。'Highly recommend' 强调强烈的建议；'considering' 意味着考虑它。
"I want to make sure I'm adequately covered, but I don't want to overpay either."
"我想确保自己得到充分保障，但也不想多付钱。"
重点句型
语法解析
This shows balancing needs and costs. Useful for negotiations. 'Make sure' means to confirm; 'adequately covered' means properly protected; 'overpay' means pay too much. The 'but' connects contrasting ideas.
中文解析
这展示了需求与成本的平衡。有助于谈判。'Make sure' 意为确认；'adequately covered' 意为适当保护；'overpay' 意为支付过多。'but' 连接对比的想法。
"The most common options are our Collision Damage Waiver, or CDW, which covers damage to our vehicle."
"最常见的选项是我们的事故损害豁免，或 CDW，它涵盖了对我们车辆的损害。"
重点句型
语法解析
This introduces options clearly. Good for explanations. 'Or CDW' is an abbreviation; 'which covers' is a relative clause explaining what it does. Use this pattern to define terms.
中文解析
这清楚地介绍了选项。适合解释。'Or CDW' 是缩写；'which covers' 是解释其功能的定语从句。使用这种模式来定义术语。
"With the full CDW, there's no deductible."
"配备完整 CDW，无需自付额。"
重点句型
语法解析
Simple statement of benefits. 'With the full CDW' specifies the type; 'there's no' is short for 'there is no,' common in spoken English. Useful for comparing insurance plans.
中文解析
福利的简单声明。「配备完整 CDW」指定类型；「there's no」是「there is no」的缩写，在口语英语中常见。有助于比较保险计划。
"It's highly recommended, especially if your personal auto insurance doesn't extend to rental cars."
"强烈推荐，尤其是如果您的个人汽车保险不涵盖租车的话。"
重点句型
语法解析
Gives advice with a reason. 'Highly recommended' suggests strongly; 'especially if' introduces a condition; 'extend to' means apply to or cover. Use this to explain why something is needed.
中文解析
给出带理由的建议。'Highly recommended'表示强烈建议；'especially if'引入条件；'extend to'意为适用于或覆盖。使用此来解释为什么需要某物。
"So, if I take the full CDW and the SLI, that's $43 a day."
"所以，如果我选择完整的CDW和SLI，那就是每天43美元。"
重点句型
语法解析
This calculates total cost. 'If I take' means if I choose; 'that's' is informal for 'that is.' Helpful for summarizing purchases. Practice adding costs with 'and' for multiple items.
中文解析
这计算总成本。'If I take'的意思是'如果我选择'；'that's'是非正式的'that is'。有助于总结购买。练习使用'and'添加多个项目的成本。
"You might want to check if you're already covered."
"您可能想检查一下是否已经覆盖。"
重点句型
语法解析
Suggests verifying something. 'Might want to' is a soft suggestion; 'check if' means examine whether. Useful for giving helpful tips, like checking credit card benefits.
中文解析
暗示验证某事。'Might want to' 是一种温和的建议；'check if' 意味着检查是否。适用于提供有用的提示，例如检查信用卡福利。