agreed insured value

简明释义

约定保险价值

英英释义

例句

1.The agreed insured value can be negotiated based on the condition of the property.

根据财产的状况，约定保险价值可以进行谈判。

2.In case of a total loss, the insurance company will pay the agreed insured value.

如果发生全损，保险公司将支付约定保险价值。

3.Before finalizing the policy, make sure you understand the agreed insured value.

在最终确定保单之前，确保你了解约定保险价值。

4.The agreed insured value for my vintage car was set at $50,000.

我那辆古董车的约定保险价值定为50,000美元。

5.It's important to review your agreed insured value annually to ensure it reflects current market conditions.

每年审核你的约定保险价值是很重要的，以确保它反映当前市场条件。

作文

In the world of insurance, one term that frequently arises is agreed insured value. This phrase refers to the predetermined amount of compensation that an insurer agrees to pay in the event of a loss, damage, or theft of an insured item. Understanding this concept is crucial for both policyholders and insurers alike, as it establishes clear expectations and provides peace of mind for all parties involved.When a policyholder purchases an insurance policy, they often have the option to set their own agreed insured value, which reflects the current market value of the item being insured. This is particularly common in cases involving high-value items such as art, jewelry, or classic cars. By agreeing on a specific value before any incident occurs, the policyholder can avoid disputes later on regarding the worth of the item at the time of loss.The process of determining the agreed insured value typically involves appraisals or evaluations by professionals who specialize in valuing the specific type of item being insured. For example, an art collector may seek the expertise of an art appraiser to establish the value of a painting. Similarly, a classic car owner might consult with a vintage car expert to determine the fair market value of their vehicle. This step is essential because it ensures that both the insurer and the insured have a mutual understanding of the item's worth.One of the main advantages of having an agreed insured value is that it streamlines the claims process. In the unfortunate event that a loss occurs, the insurer can quickly assess the claim based on the agreed-upon value rather than having to negotiate or investigate the current market value. This can save time, reduce stress, and lead to a more satisfactory outcome for the insured.However, it is important for policyholders to regularly review and update their agreed insured value as the market conditions change. Items may appreciate or depreciate over time, and having an outdated value can lead to underinsurance or overinsurance. Underinsurance means that the policyholder may not receive adequate compensation to replace the lost item, while overinsurance results in higher premiums without any additional benefit during a claim.Moreover, understanding the implications of agreed insured value can also help policyholders make informed decisions about their coverage. For instance, if a policyholder knows that their item has significantly increased in value, they might choose to raise the agreed insured value to ensure they are fully covered. Conversely, if an item has lost value, they may opt to lower the coverage to save on premiums.In conclusion, the concept of agreed insured value plays a vital role in the insurance industry, providing clarity and security for both insurers and policyholders. By establishing a mutually accepted value for insured items, both parties can navigate the complexities of claims with greater ease. It is essential for policyholders to engage in regular assessments of their items' worth and adjust their agreed insured value accordingly to ensure they remain adequately protected in an ever-changing market.

在保险的世界里，一个经常出现的术语是约定保险价值。这个短语指的是保险公司在发生损失、损坏或被盗时同意支付的预定赔偿金额。理解这个概念对于投保人和保险公司都至关重要，因为它建立了明确的期望，为所有相关方提供了安心。当投保人购买保险政策时，他们通常可以选择设定自己的约定保险价值，这反映了被保险物品的当前市场价值。这在涉及高价值物品的情况下尤其常见，例如艺术品、珠宝或经典汽车。通过在任何事件发生之前就达成特定的价值协议，投保人可以避免在损失时有关物品价值的争议。确定约定保险价值的过程通常涉及由专业人士进行的评估或鉴定，这些专业人士专门从事对被保险物品的特定类型进行估值。例如，一位艺术收藏家可能会寻求艺术评估师的专业意见，以确定一幅画的价值。同样，一位经典汽车车主可能会咨询复古汽车专家，以确定他们车辆的公平市场价值。这一步骤至关重要，因为它确保了保险公司和被保险人对物品的价值有共同的理解。拥有约定保险价值的主要优点之一是简化了索赔过程。在不幸发生损失的情况下，保险公司可以根据双方达成的价值快速评估索赔，而无需在当前市场价值上进行谈判或调查。这可以节省时间，减少压力，并为被保险人带来更满意的结果。然而，投保人定期审查和更新他们的约定保险价值也很重要，因为市场条件会变化。物品的价值可能随着时间的推移而升值或贬值，而过时的价值可能导致保险不足或过度保险。保险不足意味着投保人可能无法获得足够的赔偿来替换丢失的物品，而过度保险则导致更高的保费而没有在索赔时获得任何额外的好处。此外，理解约定保险价值的含义还可以帮助投保人做出明智的保险决策。例如，如果投保人知道他们的物品已经显著增值，他们可能会选择提高约定保险价值，以确保他们得到充分保障。相反，如果某个物品贬值，他们可能选择降低保障以节省保费。总之，约定保险价值的概念在保险行业中扮演着至关重要的角色，为保险公司和投保人提供了清晰和安全。通过为被保险物品建立一个双方接受的价值，双方可以更轻松地应对索赔的复杂性。投保人定期评估其物品的价值并相应调整其约定保险价值以确保他们在不断变化的市场中保持充分的保护是至关重要的。