The * * * insurance mentioned in the courseware means that the insurance company and the insured share the risk. For example, when an enterprise insures machinery and equipment, the property value is 654.38+ten thousand yuan, so the insurance amount is determined to be 654.38+ten thousand yuan. Later, the machinery and equipment went out of danger during the insurance period, and some losses occurred, amounting to 30,000 yuan. But at this time, the total price of machinery and equipment has changed from 654.38+ to. Then we think that the nearby equipment is not fully insured, and the insurance company should compensate in proportion, that is, the compensation is 3× 10/ 15=2 (ten thousand yuan), but if 80% of the * * * insurance is stipulated, then the insurance company should compensate 3×10/(/kloc-
* * * Insurance clauses are often used in property insurance. * * * The insurance ratio is generally 80%. If the insured amount accounts for 80% of the total value of the property, it is regarded as full insurance, and the loss will no longer be apportioned in proportion, although it is under-insurance at this time; However, if this ratio is not reached, it is equivalent to insufficient insurance and the loss will be shared in proportion.