measure of indemnity

简明释义

保险赔偿标准

英英释义

例句

1.The insurance policy provided a clear measure of indemnity for any damages incurred during the storm.

保险政策为风暴期间发生的任何损害提供了明确的赔偿措施。

2.Before signing the contract, we discussed the measure of indemnity to ensure adequate coverage.

在签署合同之前，我们讨论了赔偿措施以确保足够的保障。

3.The measure of indemnity in this agreement is based on the actual cash value of the property.

本协议中的赔偿措施基于财产的实际现金价值。

4.In the event of a loss, the measure of indemnity will determine how much compensation you receive.

在发生损失的情况下，赔偿措施将决定你获得多少补偿。

5.He was relieved to know that the measure of indemnity would cover his medical expenses after the accident.

他很放心地知道，事故后赔偿措施将覆盖他的医疗费用。

作文

In the world of finance and insurance, the term measure of indemnity refers to the extent or limit of compensation that an insurer is obligated to provide to the insured in the event of a loss. Understanding this concept is crucial for both policyholders and insurers, as it defines the financial protection offered under an insurance policy. The measure of indemnity ensures that the insured receives a fair amount of compensation without profiting from the loss, maintaining the principle of indemnity, which states that one should not be better off after a loss than they were before. When evaluating the measure of indemnity, several factors come into play. First, the type of insurance policy significantly influences the measure. For instance, in property insurance, the measure of indemnity often corresponds to the actual cash value (ACV) or replacement cost of the property at the time of loss. The ACV takes depreciation into account, whereas the replacement cost provides the amount necessary to replace the lost item without deducting for depreciation. This distinction is vital for policyholders to understand, as it directly impacts the compensation they can expect to receive.Moreover, the measure of indemnity can also vary based on the specific terms and conditions outlined in the insurance policy. Some policies may include additional coverage options or endorsements that enhance the measure of indemnity, providing more extensive protection. For example, a homeowner may purchase additional coverage for natural disasters, which would increase the overall measure of indemnity in the event of such a loss. It is essential for policyholders to carefully review their policy documents to comprehend the full scope of their coverage and the corresponding measure of indemnity.Another critical aspect of the measure of indemnity is its role in risk management. Insurers assess the risks associated with insuring a particular individual or asset and determine the appropriate measure of indemnity based on these evaluations. This assessment helps ensure that the insurer can remain solvent while providing adequate compensation to policyholders when losses occur. In essence, the measure of indemnity acts as a balancing mechanism between the interests of the insured and the insurer.Furthermore, legal considerations surrounding the measure of indemnity are also significant. Courts often interpret the terms of insurance contracts to determine the rightful compensation owed to the insured. Disputes may arise over the interpretation of the measure of indemnity, particularly in cases where the insured believes they are entitled to a higher compensation than what the insurer is willing to pay. These legal battles underline the importance of clearly defined terms within insurance policies, as ambiguity can lead to misunderstandings and conflicts.In conclusion, the concept of measure of indemnity is fundamental in the realm of insurance, serving as a guideline for compensation in the event of a loss. By understanding the factors that influence this measure, including policy types, coverage options, and legal interpretations, both policyholders and insurers can navigate the complexities of insurance more effectively. Ultimately, a clear grasp of the measure of indemnity not only protects the interests of the insured but also supports the stability of the insurance industry as a whole.

在金融和保险的世界中，术语赔偿措施指的是保险公司在发生损失时，必须向被保险人提供的补偿范围或限度。理解这一概念对于投保人和保险公司都至关重要，因为它定义了保险政策所提供的财务保护。赔偿措施确保被保险人在遭受损失后获得公平的补偿，而不是从损失中获利，维护了赔偿原则，即在损失后一个人不应比之前更富有。在评估赔偿措施时，有几个因素会发挥作用。首先，保险政策的类型显著影响该措施。例如，在财产保险中，赔偿措施通常对应于损失时财产的实际现金价值（ACV）或重置成本。ACV考虑了折旧，而重置成本则提供了替换丢失物品所需的金额，而不扣除折旧。这一区别对投保人来说至关重要，因为它直接影响他们可以期待获得的赔偿。此外，赔偿措施还可能根据保险政策中列出的具体条款和条件而有所不同。一些政策可能包括额外的覆盖选项或附加条款，以增强赔偿措施，在发生损失时提供更广泛的保护。例如，房主可能会购买自然灾害的额外保险，这将增加在发生此类损失时的总体赔偿措施。投保人仔细审查其保单文件以理解其覆盖范围及相应的赔偿措施是至关重要的。赔偿措施的另一个关键方面是其在风险管理中的作用。保险公司评估与承保特定个人或资产相关的风险，并根据这些评估确定适当的赔偿措施。这种评估有助于确保保险公司在为投保人提供足够的赔偿时能够保持偿付能力。实质上，赔偿措施充当了投保人和保险公司利益之间的平衡机制。此外，围绕赔偿措施的法律考虑也非常重要。法院通常会解释保险合同的条款，以确定应支付给被保险人的合理赔偿。在被保险人认为自己有权获得高于保险公司愿意支付的赔偿时，可能会出现争议。这些法律纠纷强调了在保险政策中明确规定条款的重要性，因为模糊性可能导致误解和冲突。总之，赔偿措施的概念在保险领域中是基础性的，为发生损失时的赔偿提供了指导。通过理解影响该措施的因素，包括政策类型、覆盖选项和法律解释，投保人和保险公司可以更有效地应对保险的复杂性。最终，对赔偿措施的清晰掌握不仅保护了被保险人的利益，也支持了整个保险行业的稳定。