托业英语笔试部分测试题（四）
题目内容

资料题：Which of the following policy-holder is of the highest level of risk to have an accident?

2021-03-19

A.A single middle-aged lady who isdriving alone to West coast for hersummer vacation

B.A unmarried young man who drivesan economy car to work onwekday

C.A single old man who drives a newluxury car to the rural area everyweekend

D.A married middle-aged lady who istravelling by train

参考资料

Protecting Your VehicleLoss or damage to your car or its contents (property)CollisionPays to fix your car after an accldent (collision) with another vehicle or other stationary abjects such as a guard rail, curb, or light pole.ComprehensiveProvides coverage for damage to your car cal ised by something other than hall, windstorm, earthquake, glass breakage, vandalism, or theft.Parked auto collisionIf your car is parked and unccupied and it is damaged by a nit-and-run driver, this overage pays for the cost of repairing it. Most companies waive the deductible in this event.Personal property coveragePays for personal property belonging to your family (such as coats, cameras, etc.) that is damaged or stolen while in your car.Coverage for electronicsCoverage furmished 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 coveragePays 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?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 followving way:. Sex: Men have more accidlents on the road than women.. Age: Drivers 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.. Personal Driving Record: Years of driving experience, accidents, speeding tickets and drunk-driving offenses are all factors in detemining 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.
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