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来源:百度文库 编辑:高校问答 时间:2024/05/02 12:47:41
Hull policies are required to cover vessels themselves against loss of damage and usually last for a period of 12 months. Fleet policies are available for the major shipping lines.

In addition there are independent firms of surveyors and average adjusters, whose business is to examine claims and report to their principals how they should be settled, while insurers may also have recourse to other experts, such as solicitors, doctors and engineers.

An insurance system accomplishes the redistribution of the costs of losses by collecting premium payment from every participant in the system. In exchange for the payment of the premium, the insured receives a promise from the insurance system to be compensated in the event of a loss . In most insurance systems only a small percentage of those insured suffer losses. Thus, an insurance system redistributes the costs of losses from the unfortunate few members who experience them to all the members of the insurance pool including those who suffer losses who have paid premiums.

An insurance system is able to operate because all the insureds are willing to substitute a relatively small certain loss. It is generally assumed that most people find the possibility of suffering a large loss unpleasant to contemplate. Therefore, people are willing to pay an insurance premium to be relieved of the uncertainty about a loss, as well as to be compensated if the loss actually occurs. Thus,even if no loss occurs during a year, as will be the case for most insureds, value has still been received in the from of a reduced or eliminated unpleasant mental state, the anxiety about a loss.

A contract is a legal agreement. All insurance purchases involve contracts. Because the rules governing contracts are well established in the law, a knowledge of contract law is essential to an understanding of insurance. This lesson sets forth the fundamental aspects of contract law; then ti presents some of the characteristics that distinguish insurance contracts from all other contracts.
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赫尔政策必须包括未来12个月对船舶本身的损失及伤害。这一政策对主要的航线都有用。

另外有检查官的独立公司和平均调整者,他们的工作就是调查而且报告他们的校长他们应该如何被安顿. 然而保险公司也可能求助其他的专家依赖, 比如做法律顾问,医生和工程师。

一个保险制度是重新分配所有的损失来自每个高级的付款完成损失的费用。在交换额外费用的付款的基础上,投保人将受到来自保险制度的一个结果损失被偿还的承诺。 在大多数的保险制度,只有那些投保人的小百分比将会遭受损失。 因此,一个保险制度重新分配来自不幸的少数的人,他们曾经投保了他们的所有并已经支付额外费用

保险制度能够操作并减少损失是因为所有的投保人愿意替换。通常被假定大多数的人找蒙受不愉快注视的一个大的损失的可能性。 因此, 人们愿意支付关于一个不确定的损失并减轻的保险额外费用, 连同被偿如果损失实际上发生了。 因此,即使没有损失在一年期间发生, 就像大部分来说是情形投保人, 价值已经仍然被受到在那从一减少或除去不愉快的心态,关于一个损失的焦虑。

一份契约是合法的协议。 所有的保险都必须购买契约。 因为把契约统必须建立在良好的法律上,契约法律的知识对保险的理解是很重要的。 这一门课发表契约法律的基本方面,它呈现所有的其他契约与保险契约的区别。

赫尔政策必须包括对船舶本身的损失及伤害一般为12个月. 政策可供大型船队航线. 除了有独立的公司,平均测量师的业务研究报告,并要求他们的校长应如何解决,而保险公司也可以采用其他专家,如律师、医生和工程师. 保险制度的再分配完成收集损失的费用由每位参加缴费制度. 在外汇支付的保费,由投保人领取保险制度,以保证在发生赔偿损失. 最保险制度只在少数投保人遭受的损失. 因此,保险费用统筹的少数不幸成员的损失由他们的经验,他们的所有成员,包括那些把保险人支付保险费亏损. 保险制度能够运作,因为一切都愿意以insureds一些损失较小. 人们普遍认为,多数人认为可能遭受很大损失不愉快之中. 因此,一个人愿意支付的保费将免除不确定损失,以及赔偿损失,如果是发生. 因此,即使没有发生损失一年,将是最insureds、价值仍未收到了一个从减少或消除不愉快的心理状态,担心丧失. 合同法律协议. 所有参与购买保险合同. 因为规则明确规定了合同法、合同法知识必须了解保险. 这方面的教训,提出了基本的合同法; 德州仪器则列出一些特点,区分保险合同的所有其他合同.

原文
Hull policies are required to cover vessels themselves against loss of damage and usually last for a period of 12 months. Fleet policies are available for the major shipping lines.

In addition there are independent firms of surveyors and average adjusters, whose business is to examine claims and report to their principals how they should be settled, while insurers may also have recourse to other experts, such as solicitors, doctors and engineers.

An insurance system accomplishes the redistribution of the costs of losses by collecting premium payment from every participant in the system. In exchange for the payment of the premium, the insured receives a promise from the insurance system to be compensated in the event of a loss . In most insurance systems only a small percentage of those insured suffer losses. Thus, an insurance system redistributes the costs of losses from the unfortunate few members who experience them to all the members of the insurance pool including those who suffer losses who have paid premiums.

An insurance system is able to operate because all the insureds are willing to substitute a relatively small certain loss. It is generally assumed that most people find the possibility of suffering a large loss unpleasant to contemplate. Therefore, people are willing to pay an insurance premium to be relieved of the uncertainty about a loss, as well as to be compensated if the loss actually occurs. Thus,even if no loss occurs during a year, as will be the case for most insureds, value has still been received in the from of a reduced or eliminated unpleasant mental state, the anxiety about a loss.

A contract is a legal agreement. All insurance purchases involve contracts. Because the rules governing contracts are well established in the law, a knowledge of contract law is essential to an understanding of insurance. This lesson sets forth the fundamental aspects of contract law; then ti presents some of the characteristics that distinguish insurance contracts from all other contracts.
译文
壳政策是反对损害的损失包括船他们自己所必要者而且通常持续一时期的 12个月。 舰队政策可用来主要的运送线。

除此之外有检查官的独立公司和平均调整者, 生意是调查要求而且报告他们的校长他们应该如何被安顿, 当保险公司也可能有对其他的专家依赖的时候, 如此的当做法律顾问,医生和工程师。

一个保险制度藉由收集来自系统的每个叁加者的高级的付款完成损失的费用的重新分配。 以交换额外费用的付款,投保人受到来自保险制度的一个诺言结果损失被偿还。 在大多数的保险制度,只有那些投保人的小百分比遭受损失。 因此,一个保险制度重新分配来自不幸的少数对包括遭受已经支付额外费用的损失的人的保险池的所有成员经历他们的成员的损失的费用。

因为所有的投保人愿意替换,所以一个保险制度能够操作一相对地小的特定损失。 它通常被假定大多数的人找蒙受不愉快注视的一个大的损失的可能性。 因此, 人愿意支付要关于一个损失的不确定被减轻的保险额外费用, 连同被偿还如果损失实际上发生。 因此,即使没有损失在一年期间发生, 如同将会大部分来说是情形投保人, 价值已经仍然被受到在那从一减少或除去不愉快的心态,关于一个损失的焦虑。

一份契约是合法的协议。 所有的保险购买包括契约。 因为把契约统治得很好的规则在法律被建立,契约法律的知识对保险的理解是很重要的。 这一门课发表契约法律的基本方面; 然后 ti 呈现区别来自所有的其他契约的保险契约的一些特性。

壳政策是反对损害的损失包括船他们自己所必要者而且通常持续一时期的 12个月。 舰队政策可用来主要的运送线。

除此之外有检查官的独立公司和平均调整者, 生意是调查要求而且报告他们的校长他们应该如何被安顿, 当保险公司也可能有对其他的专家依赖的时候, 如此的当做法律顾问,医生和工程师。

一个保险制度藉由收集来自系统的每个叁加者的高级的付款完成损失的费用的重新分配。 以交换额外费用的付款,投保人受到来自保险制度的一个诺言结果损失被偿还。 在大多数的保险制度,只有那些投保人的小百分比遭受损失。 因此,一个保险制度重新分配来自不幸的少数对包括遭受已经支付额外费用的损失的人的保险池的所有成员经历他们的成员的损失的费用。

因为所有的投保人愿意替换,所以一个保险制度能够操作一相对地小的特定损失。 它通常被假定大多数的人找蒙受不愉快注视的一个大的损失的可能性。 因此, 人愿意支付要关于一个损失的不确定被减轻的保险额外费用, 连同被偿还如果损失实际上发生。 因此,即使没有损失在一年期间发生, 如同将会大部分来说是情形投保人, 价值已经仍然被受到在那从一减少或除去不愉快的心态,关于一个损失的焦虑。

一份契约是合法的协议。 所有的保险购买包括契约。 因为把契约统治得很好的规则在法律被建立,契约法律的知识对保险的理解是很重要的。 这一门课发表契约法律的基本方面; 然后 ti 呈现区别来自所有的其他契约的保险契约的一些特性。