average clause

简明释义

水渍险条款

英英释义

例句

1.Before signing the contract, make sure you understand the implications of the average clause in your coverage.

在签署合同之前，确保你理解你的保险范围中平均条款的影响。

2.If you fail to declare the true value of your assets, the average clause could lead to a lower compensation in case of a claim.

如果你未能声明资产的真实价值，平均条款可能会导致索赔时的赔偿金降低。

3.The insurance policy includes an average clause, which means that if the property is underinsured, the payout will be proportionately reduced.

保险政策包含平均条款，这意味着如果财产保险不足，赔偿金额将按比例减少。

4.Understanding the average clause is crucial for anyone purchasing property insurance.

对于任何购买财产保险的人来说，理解平均条款是至关重要的。

5.In commercial property insurance, an average clause can significantly affect the settlement amount after a loss.

在商业财产保险中，平均条款可能会显著影响损失后的赔偿金额。

作文

In the realm of insurance, the term average clause plays a crucial role in determining the compensation that policyholders receive in the event of a loss. This clause is particularly significant in property insurance, where it ensures that the insured value of an asset reflects its actual worth. The concept behind the average clause is simple yet vital: if a property is underinsured, the insurer may reduce the payout in proportion to the level of underinsurance. For instance, consider a homeowner who insures their house for $200,000, but the actual market value is $300,000. If a disaster strikes and the house suffers damages amounting to $100,000, the homeowner might expect to receive the full amount of the claim. However, due to the average clause, the insurer will assess the situation and find that the homeowner is underinsured by one-third (since $200,000 is one-third less than $300,000). Consequently, the insurance payout may be reduced to $66,667 instead of the full $100,000. This illustrates how the average clause serves as a protective measure for insurers, ensuring that they do not pay out more than what the property is actually worth.The implications of the average clause extend beyond mere financial calculations; they also highlight the importance of accurately assessing the value of assets when purchasing insurance. Policyholders must take the time to evaluate their properties and ensure that they are adequately covered. Failing to do so can lead to significant financial losses in times of crisis. Moreover, the average clause encourages individuals and businesses to maintain proper insurance coverage, which ultimately leads to a more stable insurance market.In addition, understanding the average clause can empower policyholders during the claims process. When faced with a loss, knowing how this clause works can help individuals negotiate better with their insurers. They can present evidence of the true value of their property and argue against any unfair reductions in their claims. Awareness of the average clause can therefore serve as a tool for advocacy, enabling policyholders to secure fair treatment from their insurance providers.Furthermore, the average clause is not just limited to homeowners; it applies to various types of insurance, including commercial property and marine insurance. Businesses, for example, must be vigilant about their insurance policies to avoid similar pitfalls. An underinsured business facing a major loss may find itself in a precarious financial position due to the average clause. This reinforces the notion that both individuals and businesses should regularly review and adjust their insurance policies to reflect current values.In conclusion, the average clause serves as a critical component of insurance contracts, influencing the amount of compensation that policyholders receive in the event of a loss. It underscores the importance of accurate asset valuation and encourages responsible insurance practices. By understanding the average clause, policyholders can better navigate the complexities of insurance claims and advocate for themselves in times of need. Ultimately, being informed about this clause can lead to more equitable outcomes in the insurance landscape, ensuring that individuals and businesses alike are adequately protected against unforeseen events.

在保险领域，术语平均条款在确定保单持有人在发生损失时所获得的赔偿中发挥着至关重要的作用。这个条款在财产保险中尤为重要，因为它确保资产的投保价值反映其实际价值。平均条款背后的概念简单而重要：如果财产未投保足够，保险公司可能会根据不足保险的程度减少赔付。 例如，考虑一个房主为他们的房子投保20万美元，但实际市场价值为30万美元。如果灾难发生，房屋遭受了10万美元的损失，房主可能希望获得全额索赔。然而，由于平均条款，保险公司将评估情况，并发现房主的保险不足三分之一（因为20万美元比30万美元少三分之一）。因此，保险赔付可能会减少到66,667美元，而不是全额的10万美元。这说明了平均条款如何作为保险公司的保护措施，确保他们不会支付超过财产实际价值的赔偿。平均条款的影响不仅限于简单的财务计算；它们还突显了在购买保险时准确评估资产价值的重要性。保单持有人必须花时间评估他们的财产，并确保其得到充分保障。否则，在危机时期可能会导致重大财务损失。此外，平均条款鼓励个人和企业保持适当的保险覆盖，这最终导致更稳定的保险市场。此外，了解平均条款可以在索赔过程中赋予保单持有人权力。在面临损失时，了解这一条款的运作方式可以帮助个人与保险公司进行更好的谈判。他们可以提供财产真实价值的证据，并争辩任何不公平的索赔减少。因此，意识到平均条款可以作为一种倡导工具，使保单持有人能够在需要时确保公平对待。此外，平均条款不仅限于房主；它适用于各种类型的保险，包括商业财产和海洋保险。例如，企业必须警惕他们的保险政策，以避免类似的陷阱。一家保险不足的企业在面临重大损失时，可能会由于平均条款而陷入困境。这进一步强化了个人和企业应定期审查和调整其保险政策以反映当前价值的观念。总之，平均条款作为保险合同的关键组成部分，影响着保单持有人在发生损失时所获得的赔偿金额。它强调了准确评估资产价值的重要性，并鼓励负责任的保险实践。通过理解平均条款，保单持有人可以更好地驾驭保险索赔的复杂性，并在需要时为自己辩护。最终，了解这一条款可以导致保险领域更公平的结果，确保个人和企业在不可预见事件中得到充分保护。