2. 考研
  3. The likelihood of loss should be predictable．Insurance companies know approximately how many fires will occur each year，how many

The likelihood of loss should be predictable．Insurance companies know approximately how many fires will occur each year，how many

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问题 The likelihood of loss should be predictable．Insurance companies know approximately how many fires will occur each year，how many traffic accidents and job－related injuries will take place．Knowledge of the numberS of such losses and of their average size allows the insurance company to determine the amount of premiums necessary to repay those companies and individuals who suffer losses．The loss should be fortuitous or accidental．Losses must happen by chance and must not be intended by the insured．The insurance company is not required to pay for damages caused by a fire if the insured is found guilty of arson．Similarly，life insurance policies typically exclude the payment of proceeds if the insured commits suicide in the first year of policy’s coverage．
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答案亏损的可能性是应该预测的。保险公司知道每年大约有多少火灾、交通事故和工伤将会发生。保险根据对这种损失的数量和平均规模的认识，来确定保险公司所需偿付给那些遭受损失的公司和个体的准备金，这种损失应该是偶然的或者事故性的。损失的产生必须是偶然的，且不以人的意志为转移。如果被保险人被判有纵火罪，那么保险公司是无需支付火灾造成的损失。相似的，如果被保险人在保单起效的第一年内自杀，保险公司通常有免赔保护。
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