co-insurance clause

简明释义

共同保险条款

英英释义

例句

1.The insurance policy included a co-insurance clause that required the property owner to maintain coverage of at least 80% of the property's value.

保险政策包含一个共同保险条款，要求财产拥有者保持至少80%的财产价值的保险覆盖。

2.Understanding the co-insurance clause is crucial for business owners to avoid unexpected losses.

理解共同保险条款对企业主来说至关重要，以避免意外损失。

3.Due to the co-insurance clause, the claim payout was reduced because the insured amount was less than the required percentage.

由于共同保险条款，索赔金额被减少，因为投保金额低于所需的百分比。

4.The co-insurance clause can significantly affect the amount an insurer pays out in the event of a loss.

在发生损失时，共同保险条款可能会显著影响保险公司支付的金额。

5.When reviewing the policy, I noticed the co-insurance clause which mandates a minimum coverage requirement.

在审查保单时，我注意到共同保险条款，该条款规定了最低保险要求。

作文

In the realm of insurance, understanding various terms and clauses is crucial for policyholders to make informed decisions. One such term that often arises in property insurance policies is the co-insurance clause. This clause plays a significant role in determining how much an insured party will receive in the event of a loss. Essentially, the co-insurance clause (共同保险条款) requires the policyholder to insure their property for a certain percentage of its total value. If the property is not insured to that specified amount, the insured may face penalties when filing a claim.For instance, consider a homeowner who has a property valued at $200,000. If their insurance policy includes a co-insurance clause requiring them to insure at least 80% of the property's value, they must carry coverage of at least $160,000. If they only insure the property for $100,000 and suffer a loss, the insurance company will apply the co-insurance clause (共同保险条款) to determine the payout. The homeowner would receive a reduced settlement because they failed to meet the required coverage amount.The purpose of the co-insurance clause is to encourage policyholders to insure their properties adequately. By doing so, it helps insurance companies manage risk more effectively. If everyone underinsures their property, the insurer would face significant losses during widespread claims events, such as natural disasters. Thus, the co-insurance clause (共同保险条款) acts as a safeguard for both parties involved in the insurance contract.Moreover, the implications of the co-insurance clause extend beyond just financial penalties. It can also affect the policyholder's overall risk management strategy. Homeowners and business owners need to evaluate their assets and ensure they are adequately covered. Regularly reviewing and updating insurance policies to reflect changes in property value is essential. Failure to do so can lead to significant out-of-pocket expenses in the event of a claim.In conclusion, the co-insurance clause (共同保险条款) is a vital aspect of many insurance policies that requires policyholders to maintain a minimum level of coverage based on the value of their property. Understanding this clause is essential for anyone looking to protect their assets effectively. By ensuring adequate coverage, policyholders can avoid penalties and secure the financial protection they need in times of loss. Therefore, it is advisable for individuals and businesses alike to familiarize themselves with the co-insurance clause and consult with insurance professionals to ensure compliance and optimal coverage.

在保险领域，理解各种术语和条款对于投保人做出明智的决定至关重要。其中一个常见的术语是共同保险条款。该条款在确定被保险方在发生损失时将获得多少赔偿方面发挥着重要作用。基本上，共同保险条款（co-insurance clause）要求投保人为其财产投保一定比例的总价值。如果财产未按规定金额投保，投保人在申请索赔时可能会面临处罚。例如，考虑一位房主，其房产价值为20万美元。如果他们的保险政策包含要求至少投保80%财产价值的共同保险条款，那么他们必须至少投保16万美元。如果他们仅为该财产投保10万美元，并遭受损失，保险公司将应用共同保险条款（co-insurance clause）来确定赔偿金额。由于未能满足所需的保险金额，房主将获得减少的赔偿金。共同保险条款的目的是鼓励投保人充分投保他们的财产。这样做有助于保险公司更有效地管理风险。如果每个人都低估了自己的财产，保险公司在大规模索赔事件（如自然灾害）中将面临重大损失。因此，共同保险条款（co-insurance clause）作为保险合同双方的保障措施。此外，共同保险条款的影响不仅限于经济处罚。它还可能影响投保人的整体风险管理策略。房主和企业主需要评估他们的资产，确保其得到充分保障。定期审查和更新保险政策以反映财产价值的变化至关重要。如果不这样做，可能会在索赔时产生重大自付费用。总之，共同保险条款（co-insurance clause）是许多保险政策的重要组成部分，要求投保人根据其财产的价值维持最低保险水平。理解这一条款对任何希望有效保护其资产的人来说都是至关重要的。通过确保充分的保障，投保人可以避免处罚，并在损失发生时获得所需的财务保护。因此，建议个人和企业熟悉共同保险条款并咨询保险专业人士，以确保合规和最佳保障。