excess clause

简明释义

船价超过保价条款

英英释义

例句

1.The insurance policy includes an excess clause that requires the policyholder to pay the first $500 of any claim.

保险政策包含一个免赔条款，要求投保人在任何索赔中支付前500美元。

2.It's important to review the excess clause in your car insurance policy to avoid unexpected costs.

审查您汽车保险政策中的免赔条款非常重要，以避免意外费用。

3.The landlord pointed out the excess clause that specifies the tenant is responsible for the first $200 of repairs.

房东指出了免赔条款，规定租户对前200美元的维修负责。

4.Before signing the rental agreement, make sure you understand the excess clause regarding damages.

在签署租赁协议之前，请确保您了解有关损坏的免赔条款。

5.The excess clause in this travel insurance means you'll have to cover the first $100 of any medical expenses.

这份旅行保险中的免赔条款意味着您需要承担任何医疗费用的前100美元。

作文

In the realm of insurance and legal contracts, the term excess clause is often encountered. An excess clause refers to a specific provision in an insurance policy or a contract that outlines the amount of loss or damage that the insured party must pay out of pocket before the insurance coverage kicks in. Understanding this concept is crucial for both policyholders and insurers, as it dictates the financial responsibilities of each party in the event of a claim.To illustrate the importance of an excess clause, consider the scenario of a car accident. Suppose a driver has an insurance policy with an excess clause stating that they must cover the first $500 of any damages incurred. If the total cost of repairs is $3,000, the insurance company will only cover $2,500, leaving the driver responsible for the initial $500. This arrangement incentivizes drivers to be cautious, as they are aware that they will have to bear some costs in the event of an accident.The presence of an excess clause can also affect the premiums that individuals pay for their insurance policies. Generally, policies with higher excess amounts tend to have lower premiums, while those with lower excess amounts come with higher premiums. This is because the insurer assumes more risk when the excess clause is low, leading to increased costs for the insurer, which are then passed on to the policyholder as higher premiums. Therefore, it is essential for individuals to evaluate their financial situation and risk tolerance when selecting a policy with an appropriate excess clause.Moreover, the implications of an excess clause extend beyond individual insurance policies. In commercial contracts, similar clauses may be included to define the limits of liability for parties involved. For instance, a construction contract might specify that the contractor is liable for damages up to a certain limit, beyond which the client must absorb the costs. This protects both parties by clearly delineating financial responsibilities and minimizing disputes over unexpected expenses.In conclusion, the excess clause plays a vital role in the landscape of insurance and contractual agreements. It serves as a safeguard for insurers against excessive claims while simultaneously encouraging policyholders to act responsibly. By understanding the function and implications of an excess clause, individuals and businesses can make informed decisions regarding their insurance coverage and contractual obligations. This knowledge not only helps in managing risks but also ensures that all parties involved are aware of their financial responsibilities, ultimately leading to smoother transactions and fewer conflicts in the long run.

在保险和法律合同的领域中，术语excess clause常常被提及。excess clause指的是保险政策或合同中的一个特定条款，概述了被保险方在保险保障生效之前必须自掏腰包承担的损失或损害金额。理解这一概念对保单持有人和保险公司至关重要，因为它决定了在索赔事件中各方的财务责任。为了说明excess clause的重要性，考虑一下汽车事故的场景。假设一名司机的保险政策中有一项excess clause，规定他们必须承担首个$500的任何损害。如果修理的总费用为$3,000，保险公司将仅承担$2,500，留下司机负责最初的$500。这种安排激励司机谨慎驾驶，因为他们知道在发生事故时必须承担一些费用。excess clause的存在还会影响个人为其保险政策支付的保费。通常，具有较高免赔额的政策保费较低，而具有较低免赔额的则保费较高。这是因为当excess clause较低时，保险公司承担的风险更大，从而导致保险公司的成本增加，这些成本最终转嫁给保单持有人，形成更高的保费。因此，个人在选择具有适当excess clause的政策时，评估自己的财务状况和风险承受能力至关重要。此外，excess clause的影响不仅限于个人保险政策。在商业合同中，类似的条款可能会被纳入，以定义参与方的责任限度。例如，建筑合同可能规定承包商对损害的责任上限，在此限度之上，客户必须承担费用。这保护了双方，通过明确财务责任来减少意外支出的争议。总之，excess clause在保险和合同协议的环境中发挥着至关重要的作用。它作为保险公司防范过度索赔的保护措施，同时鼓励保单持有人负责任地行事。通过理解excess clause的功能和影响，个人和企业可以在保险覆盖范围和合同义务方面做出明智的决策。这一知识不仅有助于管理风险，还确保所有相关方都意识到自己的财务责任，从而在长远中促进交易的顺利进行，减少冲突。