agreed value clause

简明释义

提单货价赔偿限额条款

英英释义

例句

1.The insurance policy included an agreed value clause, ensuring that the car would be covered for its full market value in case of a total loss.

保险政策包含了一个约定价值条款，确保在车辆完全损失的情况下，车辆将按其全市场价值获得赔偿。

2.The agreed value clause allows both parties to have a clear understanding of the asset's worth.

该约定价值条款使双方对资产的价值有清晰的理解。

3.In the event of theft, the agreed value clause guarantees that I will receive the amount specified in the policy.

在盗窃事件中，约定价值条款保证我将收到保单中指定的金额。

4.Before finalizing the contract, we discussed the agreed value clause to avoid any disputes later on.

在最终确定合同之前，我们讨论了约定价值条款以避免后续发生争议。

5.We included an agreed value clause in our lease agreement to protect our investment in the equipment.

我们在租赁协议中加入了一个约定价值条款以保护我们对设备的投资。

作文

In the world of insurance, understanding various terms and clauses is crucial for both policyholders and insurers. One such important term is the agreed value clause, which plays a significant role in determining how claims are settled in the event of a loss. This clause is particularly relevant in the context of property and casualty insurance, where the value of the insured item may fluctuate over time.The agreed value clause essentially establishes a predetermined value for an insured item at the time the policy is taken out. This means that both the insurer and the insured agree on a specific value that will be used for coverage purposes. For example, if a classic car is insured under a policy with an agreed value clause, the owner and the insurance company might agree that the car is worth $50,000. In the unfortunate event of a total loss, the insurance company will pay out this agreed amount, regardless of the car's market value at the time of the loss.This clause offers several advantages to policyholders. Firstly, it provides peace of mind knowing that they will receive a fair compensation amount without the hassle of negotiating or disputing the value after a loss occurs. Secondly, it protects the policyholder from depreciation, which can significantly reduce the payout in standard policies that base settlements on the current market value.However, there are also some considerations to keep in mind when opting for a policy with an agreed value clause. Policyholders should ensure that the agreed value is regularly reviewed and updated, especially if the insured item appreciates in value over time. Failure to do so could result in inadequate coverage, leaving the policyholder at risk of financial loss.Moreover, while the agreed value clause simplifies the claims process, it is essential for policyholders to provide accurate documentation and evidence of the item's value at the time the policy is initiated. This could include appraisals, receipts, or photographs, which serve as proof of the agreed value.In conclusion, the agreed value clause is a vital component of many insurance policies, offering both security and clarity to policyholders. By establishing a fixed value for insured items, it streamlines the claims process and ensures that individuals are compensated fairly in the event of a loss. However, it is crucial for policyholders to remain vigilant about the value of their possessions and to communicate effectively with their insurers to ensure that their coverage remains adequate over time. Understanding the implications of the agreed value clause can ultimately lead to more informed decisions regarding insurance policies and better protection for valuable assets.

在保险领域，理解各种术语和条款对投保人和保险公司都至关重要。其中一个重要的术语是约定价值条款，它在确定索赔如何在损失事件中解决方面起着重要作用。这个条款在财产和意外保险的背景下尤其相关，因为被保险物品的价值可能会随着时间而波动。约定价值条款本质上在保单签订时为被保险物品设定了预定价值。这意味着保险公司和投保人就一个特定的价值达成一致，该价值将用于承保目的。例如，如果一辆经典车在具有约定价值条款的保单下投保，车主和保险公司可能会同意该车的价值为50,000美元。在发生完全损失的不幸事件中，保险公司将支付这一约定金额，而不管在损失发生时车辆的市场价值是多少。这一条款为投保人提供了几个优势。首先，它让投保人安心，因为他们知道在发生损失后会收到公平的赔偿金额，而无需在事后进行谈判或争议。其次，它保护投保人免受折旧的影响，后者可能会显著减少标准保单中基于当前市场价值的赔偿。然而，在选择带有约定价值条款的保单时，还有一些考虑因素需要牢记。投保人应确保定期审查和更新约定的价值，特别是在被保险物品随着时间增值的情况下。未能做到这一点可能导致保险不足，使投保人面临财务损失的风险。此外，虽然约定价值条款简化了索赔流程，但投保人必须在保单开始时提供准确的文件和证据，以证明物品的价值。这可以包括评估报告、收据或照片，作为约定价值的证明。总之，约定价值条款是许多保险政策的重要组成部分，为投保人提供了安全性和清晰度。通过为被保险物品建立固定价值，它简化了索赔流程，并确保个人在发生损失时获得公平的赔偿。然而，投保人必须保持警惕，关注其财产的价值，并与保险公司有效沟通，以确保其覆盖范围随时间的推移保持充足。理解约定价值条款的含义最终可以帮助更明智地做出保险决策，并更好地保护有价值的资产。