agreed value clause

简明释义

赔偿限额条款

英英释义

例句

1.When negotiating the insurance policy, we made sure to include an agreed value clause for our artwork.

在谈判保险政策时，我们确保为我们的艺术品包含一个约定价值条款。

2.In the case of antique cars, buyers often seek policies with an agreed value clause to protect their investments.

在古董车的情况下，买家通常会寻找带有约定价值条款的保险，以保护他们的投资。

3.The agreed value clause in the contract helped avoid disputes during the claims process.

合同中的约定价值条款帮助避免了索赔过程中的争议。

4.The insurance policy included an agreed value clause, ensuring that in the event of a total loss, the payout would be predetermined.

保险政策包含一个约定价值条款，确保在完全损失的情况下，赔付金额会事先确定。

5.With the agreed value clause, both parties were confident about the valuation of the property.

有了约定价值条款，双方对财产的估值都充满信心。

作文

In the world of insurance, understanding various terms and clauses is essential for both policyholders and insurers. One such term that often comes up in property insurance is the agreed value clause. This clause is a provision in an insurance policy that establishes a predetermined value for the insured item, which is agreed upon by both the insurer and the policyholder at the time the policy is issued. This means that in the event of a loss, the insured will receive the agreed-upon amount without any deductions for depreciation or other factors that might typically affect the payout. The agreed value clause is particularly important for high-value items such as art, antiques, or classic cars, where market fluctuations can significantly impact their worth.When a policyholder opts for an agreed value clause, they essentially protect themselves from potential disputes regarding the value of their property in case of a claim. For instance, if a classic car is insured under this clause for $50,000, and it is damaged beyond repair, the policyholder will receive the full $50,000, regardless of its current market value at the time of the loss. This provides peace of mind and financial security, knowing that the agreed value will be honored.However, it is crucial for policyholders to ensure that the agreed value accurately reflects the true worth of the item at the time the policy is taken out. If the item appreciates in value over time, policyholders may need to reassess the agreed value to avoid being underinsured. Regular appraisals or valuations can help maintain the accuracy of the insured amount.The agreed value clause also benefits insurers by reducing the likelihood of disputes during claims processing. Since both parties have already agreed on the value, the claims process can be expedited, leading to quicker resolutions and satisfied customers. This efficiency is particularly beneficial in the competitive insurance market, where customer satisfaction is paramount.In conclusion, the agreed value clause serves as a vital component in property insurance, providing clarity and security for both policyholders and insurers. By agreeing on a specific value upfront, both parties can avoid complications and ensure a smoother claims process. It is essential for policyholders to regularly review their policies and valuations to ensure that their coverage remains adequate and reflective of the item's true value. Understanding this clause not only empowers policyholders but also fosters a better relationship with their insurers, ultimately leading to a more secure and efficient insurance experience.

在保险的世界里，理解各种术语和条款对于投保人和保险公司都至关重要。其中一个常见的术语是约定价值条款。该条款是保险政策中的一项规定，确定了被保险物品的预定价值，该价值在保单签发时由保险公司和投保人共同商定。这意味着，在发生损失时，被保险人将获得商定的金额，而无需因折旧或其他可能影响赔偿的因素而进行扣除。约定价值条款对于艺术品、古董或经典汽车等高价值物品尤为重要，因为市场波动会显著影响它们的价值。当投保人选择约定价值条款时，他们实际上是在保护自己免受关于财产价值的潜在争议。例如，如果一辆经典汽车在该条款下的保险金额为50,000美元，并且它被损坏到无法修复的程度，投保人将获得全额50,000美元，而不论其在损失发生时的市场价值。这提供了心理上的安慰和财务安全，确保商定的价值将得到遵守。然而，投保人必须确保商定的价值准确反映了保单生效时物品的真实价值。如果物品随时间升值，投保人可能需要重新评估商定的价值，以避免保险不足。定期的评估或估价可以帮助保持被保险金额的准确性。约定价值条款也使保险公司受益，因为它减少了索赔处理过程中的争议。由于双方已就价值达成一致，索赔过程可以加快，从而导致更快的解决方案和满意的客户。这种效率在竞争激烈的保险市场中尤为重要，因为客户满意度至关重要。总之，约定价值条款在财产保险中起着至关重要的作用，为投保人和保险公司提供了明确性和安全性。通过事先商定具体的价值，双方可以避免复杂情况，确保索赔过程更加顺利。投保人定期审查其保单和估价，以确保其保障仍然足够并反映物品的真实价值，这一点至关重要。理解这一条款不仅赋予了投保人权力，还促进了与保险公司之间的良好关系，最终带来了更安全、更高效的保险体验。