What English phrases do you need in an emergency abroad?

I'm fine, just a little shaken. My neck feels a bit stiff, though. What happened? You came out of nowhere!

我没事，就是有点震惊。不过脖子有点僵。怎么回事？你突然就冲出来了！

Fine. I've called 911. They said an officer will be here in about 10 minutes. Let's take photos of the damage in the meantime. And we need to exchange insurance information.

好。我已经打了 911。说大约10分钟警察到。我们先拍损坏的照片吧。还得交换保险信息。

Got it. Here's mine. My name is Sarah Thompson, and my insurance is with Allstate. Can you write down my phone number too? It's 555-7890.

好的。这是我的。我叫 Sarah Thompson，保险公司是 Allstate。也记一下我的电话号码。555-7890。

Good afternoon. I'm Officer Garcia. I can see there's been a collision. Is everyone okay? Has anyone been injured?

下午好。我是 Garcia 警官。我看到发生了碰撞。大家都还好吗？有人受伤吗？

Good. Ma'am, if your neck is bothering you, I'd recommend getting checked at a hospital. I'll need both your licenses and insurance information. I'm going to write up an accident report. Can you each tell me what happened from your perspective?

好的。女士，如果脖子不舒服，建议去医院检查。我需要双方的驾照和保险信息。我来写事故报告。你们分别说一下从各自角度看到的经过。

Thank you. I'll include both accounts in the report. Here's the case number — you'll need it when you contact your insurance company and the rental car agency. The report will be available online in about 3 days. Drive safely.

谢谢。我会把双方的说法都写进报告。这是案件编号——联系保险公司和租车公司时需要用到。报告大约3天后可以在网上查到。注意安全驾驶。

I'm sorry to hear that. Are you safe? Can you tell me what happened? I'll also need the police report number and the location of the vehicle.

很遗憾听到这个。您安全吗？能告诉我发生了什么吗？我还需要报案编号和车辆位置。

Thank you for the details. Did you purchase our collision damage waiver when you rented the car?

谢谢提供的信息。您租车时买了我们的碰撞损失免责险吗？

With the full collision damage waiver, you won't be responsible for the repair costs. There's a $250 processing fee, but no additional charges for the damage. You can continue using the car if it's safe to drive, or we can arrange a replacement vehicle. Which would you prefer?

有全额碰撞损失免责险的话，您不需要承担维修费用。有250美元的手续费，但不会有额外的损坏赔偿。如果车还能安全驾驶，可以继续使用，或者我们可以安排换一辆车。您选哪种？

You can bring it to our downtown branch at 200 Market Street. They're open until 8 PM today. Bring the police report and your rental agreement. They'll have a replacement ready for you. Is there anything else I can help with?

您可以把车开到我们市中心门店，Market Street 200号。今天营业到晚上8点。带上报案记录和租车合同。他们会给您准备好替换车辆。还有其他需要帮忙的吗？

The waiver covers the vehicle damage. But if you have any personal medical expenses, loss of belongings, or if the other driver files a liability claim against you, your travel insurance would cover that. I'd recommend notifying your travel insurance company as well, just in case.

免责险覆盖车辆损坏。但如果您有个人医疗费用、物品丢失，或者对方司机向您提出责任索赔，您的旅行保险会覆盖这些。建议也通知一下您的旅行保险公司，以防万一。