named insured

简明释义

提名受保人

英英释义

例句

1.The policyholder is the named insured 被保险人 on the car insurance policy.

保单持有人是汽车保险单上的被保险人。

2.The mortgage company requires that the homeowner be listed as a named insured 被保险人 on the policy.

抵押贷款公司要求房主在保单上列为被保险人。

3.Only the named insured 被保险人 can file a claim under this insurance policy.

只有被保险人才能根据此保险政策提出索赔。

4.If you are not a named insured 被保险人, you may not be covered for damages.

如果您不是被保险人，您可能不会获得损害赔偿。

5.Additional drivers must be added to the policy if they wish to be considered named insured 被保险人.

如果其他驾驶员希望被视为被保险人，则必须将其添加到保单中。

作文

In the world of insurance, understanding specific terms is crucial for both policyholders and insurers. One such term is named insured, which refers to the individual or entity specifically identified in an insurance policy as the primary insured party. This designation is significant because it determines who is covered under the policy and to what extent. For instance, if a person takes out an auto insurance policy, they are typically listed as the named insured. This means that they have the right to make claims under the policy, and any coverage provided applies directly to them. The importance of being a named insured cannot be overstated. In many cases, only the named insured has the authority to make changes to the policy, such as updating coverage limits or adding additional drivers. If someone not listed as a named insured attempts to make a claim, the insurance company may deny that claim, citing lack of coverage. This highlights the necessity for individuals to ensure that all relevant parties are properly named in their insurance policies. Moreover, the named insured plays a vital role in liability situations. For example, if the named insured is involved in an accident, the insurance company will look to the policyholder first when assessing liability and damages. This can affect not only the outcome of the claim but also the premiums for future coverage. Therefore, understanding who qualifies as a named insured is essential for anyone entering into an insurance agreement.Another aspect to consider is that policies often extend coverage to additional insured parties. These individuals or entities might be covered under certain conditions, but they do not hold the same rights as the named insured. For instance, a business might list its employees as additional insureds on a liability policy, but only the business itself is the named insured. This distinction is crucial during claims processing, as only the named insured can initiate claims and negotiate with the insurer. In conclusion, the term named insured is a foundational concept in insurance that defines who is covered by a policy. Understanding this term helps policyholders navigate their insurance needs more effectively. It ensures that they know their rights and responsibilities, which can lead to better protection and fewer disputes with insurers. As individuals seek insurance coverage, they must pay close attention to who is designated as the named insured to avoid potential pitfalls and ensure adequate protection against unforeseen events.

在保险的世界里，理解特定术语对投保人和保险公司来说至关重要。其中一个术语是named insured，它指的是在保险政策中被具体识别为主要投保方的个人或实体。这个称谓非常重要，因为它决定了谁在政策下受到保护以及保护的程度。例如，如果一个人购买了一份汽车保险，他们通常会被列为named insured。这意味着他们有权根据该政策提出索赔，并且所提供的任何保险覆盖直接适用于他们。作为named insured的重要性不容小觑。在许多情况下，只有named insured才有权对政策进行更改，例如更新保险限额或添加额外的驾驶员。如果未列为named insured的人试图提出索赔，保险公司可能会拒绝该索赔，理由是没有覆盖。这突显出个人确保所有相关方在其保险政策中得到妥善命名的必要性。此外，named insured在责任情况下也发挥着关键作用。例如，如果named insured涉及事故，保险公司将首先查看投保人以评估责任和损害。这不仅会影响索赔的结果，还会影响未来保险的保费。因此，了解谁符合named insured的资格对任何进入保险协议的人来说都是至关重要的。另一个需要考虑的方面是，政策通常会扩展覆盖范围到额外被保险方。这些个人或实体在某些条件下可能会获得保障，但他们并不享有与named insured相同的权利。例如，一家公司可能会将其员工列为责任政策的额外被保险方，但只有公司本身是named insured。这一区别在索赔处理过程中至关重要，因为只有named insured才能发起索赔并与保险公司进行谈判。总之，术语named insured是保险中的一个基础概念，定义了谁在政策下受到保护。理解这个术语帮助投保人更有效地应对他们的保险需求。它确保他们了解自己的权利和责任，这可以导致更好的保护和与保险公司之间更少的争议。当个人寻求保险覆盖时，他们必须密切关注谁被指定为named insured，以避免潜在的陷阱并确保充分保护自己免受不可预见事件的影响。