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  3. Protecting Your Vehicle Loss or damage to your car or its contents (property) Collision Pays to fix your car after an accident

Protecting Your Vehicle Loss or damage to your car or its contents (property) Collision Pays to fix your car after an accident

admin2014-01-06  39
问题                           Protecting Your Vehicle
Loss or damage to your car or its contents (property)
Collision
Pays to fix your car after an accident (collision) with another vehicle or other stationary objects such as a guard rail, curb, or light pole.
Comprehensive
Provides coverage for damage to your car caused by something other than hail, windstorm, earthquake, glass breakage, vandalism, or theft.
Parked auto collision
If your car is parked and unoccupied and it is damaged by a hit-and-run driver, this coverage pays for the cost of repairing it. Most companies waive the deductible in this event.
Personal property coverage
Pays for personal property belonging to your family (such as coats, cameras, etc. ) that is damaged or stolen while in your car.
Coverage for electronics
Coverage furnished for electronics that are permanently installed in your vehicle, such as televisions, telephones, fax machines and DVD players and for factory-installed electronics and computer equipment.
Air bag replacement coverage
Pays for the cost of reinstalling a factory-installed air bag even if one is activated without being involved in an accident.
                   How Much Will Auto Insurance Cost?
Driver are grouped according to the level of risk each one poses-that is, the amount paid by insurers in each category of policyholders. Insurance companies group drivers in the following way :
Sex: Men have more accidents on the road than women.
Age: Drivers under 25(and for some insurers, under30)are considered more likely to have an accident.
Marital Status: Married drivers tend to have fewer accidents than single drivers.
Personal Driving Record: Years of driving experience , accidents, speeding tickets and drunk-driving offenses are all factors in determining how much of a risk you pose as a motorist.
How You Use Your Vehicle: If you commute by car during rush hour, you are at greater risk of having an accident than if you only drive for errands and recreation on the weekends. Drivers who use their own vehicles for business also are considered to be at a greater risk.
Types of Vehicles: The value, size, weights, age of your vehicle, even the cost of replacement parts are essential to determining the price of your insurance. Larger, heavier vehicles are considered at lower risk than smaller, lighter ones. More expensive cars are costlier to have repaired than economy models so the premium is higher.  
Which of the following policy-holder is of the highest level of risk to have an accident?
选项 A、A single middle-aged lady who is driving alone to West coast for her summer vacation
B、A unmarried young man who drives an economy car to work on weekday
C、A single old man who drives a new luxury car to the rural area every weekend
D、A married middle-aged lady who is travelling by train
答案B
解析
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