average clause

简明释义

海损赔偿条件

英英释义

例句

1.When filing a claim, it's important to understand how the average clause affects your payout.

在提交索赔时，了解平均条款如何影响你的赔付是很重要的。

2.The average clause is designed to encourage policyholders to insure their property adequately.

为了鼓励投保人充分投保，平均条款被设计出来。

3.The insurance policy included an average clause to prevent underinsurance.

保险政策中包含了平均条款，以防止不足保险。

4.Many property owners are unaware of the implications of the average clause in their insurance contracts.

许多房产拥有者并不知道他们保险合同中平均条款的含义。

5.Due to the average clause, the compensation was reduced significantly.

由于平均条款，赔偿金额大幅减少。

作文

The term average clause refers to a provision commonly found in insurance policies, particularly in property insurance. This clause is designed to protect the insurer from underinsurance by ensuring that the insured party maintains an adequate level of coverage relative to the actual value of the property. In simpler terms, if a property owner insures their home for less than its true value, the average clause will come into play when a claim is made. The purpose of this clause is to prevent policyholders from profiting from a loss due to underinsurance. To illustrate how the average clause works, let’s consider an example. Imagine a homeowner who has a house valued at $300,000 but only insures it for $200,000. If a fire causes $100,000 worth of damage, the homeowner might expect to receive a payout for the full amount of the damage. However, because of the average clause, the insurer will apply a penalty for underinsurance. In this scenario, the homeowner is only insured for two-thirds of the property's value. Therefore, the insurer would only pay out two-thirds of the claimed amount, which would be approximately $66,667 instead of the full $100,000. This outcome emphasizes the importance of fully insuring a property to avoid significant financial losses during a claim.The average clause serves as a reminder for policyholders to regularly assess and update their insurance policies to reflect the current market value of their properties. Failure to do so not only risks inadequate coverage but also leads to potential financial hardship in the event of a loss. It is essential for homeowners to work closely with their insurance agents to ensure that their policies are aligned with the true value of their assets. Moreover, understanding the implications of the average clause can encourage responsible behavior among property owners. It promotes the idea that insurance is not merely a safety net but a crucial aspect of financial planning. By maintaining appropriate coverage levels, homeowners can safeguard their investments and ensure that they are adequately protected against unforeseen events. In conclusion, the average clause is an essential component of property insurance that helps insurers mitigate the risks associated with underinsurance. Homeowners must be proactive in understanding this clause and its implications to avoid potential penalties when filing claims. Regularly reviewing and updating insurance policies is vital to ensure that coverage levels match the current value of the property. Ultimately, being informed about the average clause and its effects can lead to better financial security and peace of mind for homeowners.

“平均条款”是一个常见于保险政策中的术语，特别是在财产保险中。该条款旨在保护保险公司免受不足保险的影响，确保投保人维持相对于财产实际价值的适当保险水平。简单来说，如果房主为其房屋投保的金额低于其真实价值，那么在索赔时“平均条款”将会发挥作用。该条款的目的是防止投保人因不足保险而从损失中获利。为了说明“平均条款”的运作方式，我们来看一个例子。想象一下，一个房主的房子价值为30万美元，但他只为其投保20万美元。如果火灾造成10万美元的损失，房主可能期望获得全额赔偿。然而，由于“平均条款”的存在，保险公司将对不足保险施加惩罚。在这种情况下，房主的保险金额仅为房产价值的三分之二。因此，保险公司只会支付所索赔金额的三分之二，大约为66,667美元，而不是全额的10万美元。这一结果强调了充分投保的重要性，以避免在索赔时遭受重大经济损失。“平均条款”提醒投保人定期评估和更新其保险政策，以反映财产的当前市场价值。未能做到这一点不仅会导致保险不足，还可能在发生损失时带来潜在的经济困难。房主与保险代理密切合作，确保其政策与资产的真实价值相符是至关重要的。此外，理解“平均条款”的含义可以鼓励房主负责任地对待保险。这促使人们意识到保险不仅仅是一个安全网，而是财务规划的重要组成部分。通过保持适当的保险水平，房主可以保护他们的投资，确保在突发事件中得到充分的保护。总之，“平均条款”是财产保险的重要组成部分，有助于保险公司减轻与不足保险相关的风险。房主必须积极了解该条款及其影响，以避免在索赔时面临潜在的惩罚。定期审查和更新保险政策对于确保保险水平与财产的当前价值相匹配至关重要。最终，了解“平均条款”及其影响可以为房主带来更好的财务安全和内心的平静。