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

The likelihood of loss should be predictable．Insurance companies know appmximately 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 appmximately 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 indixiduals 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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答案损失的可能性会被预测到。保险公司大体知道每年会发生多少火灾，会发生多少交通事故和工伤事故，对这些损失和平均规模的数量的掌握，使得保险公司能够决定支付给受损失的公司和个人所必要的最大金额。 这些损失必须是偶然发生的或者是意外的，如果受保人被发现是蓄意纵火，那么保险公司就不需要支付火灾的损失。同样，对于人寿保险，如果受保人在投保范围的第一年自杀，人寿保险公司免于支付。
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