【单选题】Questions 191-195 refer to the following articles.
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 damased 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
Overage furnished for electronics that are permanently installed in your vehicle, such as televisions, telephones, fax machines andDVD、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.
Drivers 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: under 25 (and for some insurers, under 30).are considered more likely to have an accident.
·Marital Status: Married drivers tend to have fewer-accidents than single drivers.
·PersonalDriving 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 hours, 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.
What do we know about the Parked auto collision
A、The insurer can get the coverage if he has an accident.
B、Many companies offer discounts on this insurance type.
C、It has no difference with the collision.
D、The insurer’s costs can be covered in a hit-and-run accident.
网考网参考答案：D
网考网解析：
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