周某因个人购买房屋向王某借款20万元。双方约定由李某作为保证人，周某并提供了刘某的一辆价值10万元的夏利小轿车作为抵押，双方办理了抵押登记。据此，回答下列问题。
设借款期届满，王某没有向刘某要求行使抵押权，过了1个月，刘某的夏利车因为撞车而报废，则李某的保证责任范围为：
A．20万元
B．全部债务
C．10万元
D．全部债务除了10万元部分
参考答案：D
解析：本题涉及债权人怠于行使物保时保证人的保证责任问题。依《担保法解释》第38条第3款规定，债权人在主合同履行期届满后怠于行使担保物权，致使担保物的价值减少或者毁损、灭失的，视为债权人放弃部分或者全部物的担保。保证人在债权人放弃权利的范围内减轻或者免除保证责任。本题中，刘某提供的抵押物为10万元，则保证人李某免除10万元的保证责任，故D选项正确。
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