deductible average clause

简明释义

扣除海损条款

英英释义

例句

1.Many business owners overlook the implications of the deductible average clause in their insurance contracts.

许多企业主忽视了保险合同中可扣除的平均条款的影响。

2.During the claim process, the adjuster explained how the deductible average clause would affect the payout.

在索赔过程中，理赔员解释了可扣除的平均条款将如何影响赔付。

3.Understanding the deductible average clause is crucial for property owners to avoid underinsurance.

理解可扣除的平均条款对于房产拥有者避免保险不足至关重要。

4.If your property is valued at less than its actual worth, the deductible average clause may reduce your compensation significantly.

如果您的财产估值低于其实际价值，可扣除的平均条款可能会显著减少您的赔偿。

5.The insurance policy included a deductible average clause, which meant that if the loss exceeded a certain amount, only the portion above that would be compensated.

保险政策包含一个可扣除的平均条款，这意味着如果损失超过一定金额，只有超过部分才会得到赔偿。

作文

In the world of insurance, understanding various terms and clauses is crucial for policyholders. One such term that often confuses individuals is the deductible average clause. This clause plays a significant role in property insurance, especially when it comes to calculating claims after a loss. To comprehend its implications, we must first break down the components of this term. The word 'deductible' refers to the amount that the insured must pay out-of-pocket before the insurance coverage kicks in. For instance, if a homeowner has a deductible of $1,000 and suffers damage worth $10,000, they will need to pay the first $1,000, while the insurance company covers the remaining $9,000. This concept encourages policyholders to take precautions and minimize risks, as they are financially responsible for a portion of any potential loss.On the other hand, the 'average clause' relates to the principle of indemnity in insurance. It ensures that the insured does not profit from their loss but instead receives compensation that reflects the actual value of the damaged property. The average clause stipulates that if a property is underinsured, the claim payment will be reduced proportionally. For example, if a property valued at $100,000 is insured for only $70,000, and a loss occurs, the insurance payout will be adjusted accordingly. In this case, the policyholder would only receive 70% of the claim amount, reflecting the fact that they were only insuring a portion of the property's value.When combined, the deductible average clause creates a framework for how claims are processed in property insurance. It serves to protect insurers from excessive claims while ensuring that policyholders maintain a fair level of coverage. Understanding this clause is essential for anyone purchasing property insurance, as it can significantly impact the amount of compensation received after a loss.Moreover, the deductible average clause encourages homeowners to accurately assess the value of their property and choose an appropriate coverage amount. Failing to do so may lead to financial losses in the event of a claim. Therefore, it is wise for policyholders to regularly review their insurance policies and adjust their coverage as necessary, particularly after making significant investments or renovations.In conclusion, the deductible average clause is a vital aspect of property insurance that influences how claims are managed. By understanding its components—deductibles and the average clause—policyholders can make informed decisions about their coverage and ensure they are adequately protected against potential losses. As with any financial product, knowledge is power, and being aware of the implications of this clause can help individuals navigate the complexities of insurance more effectively.

在保险的世界里，理解各种术语和条款对投保人至关重要。其中一个常常让人困惑的术语是可扣除的平均条款。这个条款在财产保险中发挥着重要作用，特别是在损失后计算索赔时。为了理解其含义，我们首先必须分解这个术语的组成部分。“可扣除的”一词指的是投保人在保险保障生效之前必须自掏腰包支付的金额。例如，如果一个房主的免赔额为1000美元，而遭受了价值10000美元的损害，他们需要支付前1000美元，保险公司将承担剩余的9000美元。这个概念鼓励投保人采取预防措施，减少风险，因为他们对任何潜在损失的部分负责。另一方面，“平均条款”与保险中的补偿原则有关。它确保投保人不会从损失中获利，而是获得反映受损财产实际价值的赔偿。平均条款规定，如果财产未投保，索赔金额将按比例减少。例如，如果一处价值100000美元的财产仅投保70000美元，而发生损失，保险赔付将相应调整。在这种情况下，投保人只会收到索赔金额的70%，反映出他们仅为财产价值的一部分投保。当这两者结合时，可扣除的平均条款创造了一个处理财产保险索赔的框架。它旨在保护保险公司免受过度索赔，同时确保投保人维持公平的保障水平。了解这一条款对于任何购买财产保险的人来说都是至关重要的，因为它可能会显著影响损失后获得的赔偿金额。此外，可扣除的平均条款鼓励房主准确评估其财产的价值，并选择适当的保障金额。未能做到这一点可能会导致在索赔时遭受经济损失。因此，投保人明智的做法是定期审查其保险政策，并在必要时调整其保障，特别是在进行重大投资或装修后。总之，可扣除的平均条款是财产保险中一个至关重要的方面，影响着索赔的管理方式。通过理解其组成部分——免赔额和平均条款，投保人可以就其保障做出明智的决定，确保他们在潜在损失面前得到充分保护。与任何金融产品一样，知识就是力量，了解这一条款的含义可以帮助个人更有效地应对保险的复杂性。