材料：This insurance also covers the insured vessel&39;s proportion of general average，salvage or salvage charges，but in case of general average sacrifice of the vessel，the Insured may recover fully for such loss without obtaining contributions from other pa
题目
材料：
This insurance also covers the insured vessel&39;s proportion of general average，salvage or salvage charges，but in case of general average sacrifice of the vessel，the Insured may recover fully for such loss without obtaining contributions from other parties．
General average shall be adjusted in accordance with the relative contract and governing law and practice．However，where the contract of affreightment or carriage does not so provide，the adjustment shall be made according to the Beijing Adjustment Rules or similar provisions of other rules． Where all the contributing interests are owned by the Insured，or when the insured vessel sails in ballast and there are no other contributing interests the provisions of the Beijing Adjustment Rules（excluding Article 5），or similar provisions of other rules if expressly agreed，shall apply as if the interests were owned by different persons．
The voyage for this purpose shall be deemed to continue from the port or place of departure until the arrival of the vessel at the first port or place of call thereafter other than a port or place of refuge or a port or place of call for bunkering only．If at any such intermediate port or place there is an abandonment of the adventure originally contemplated the voyage shall thereupon be deemed to be terminated.
问题：
In the event of general average sacrifice of the insured vessel，the insured ______．
A.can only recover the insured vessel’s proportion from the Insurer
B.should recover fully for such loss by obtaining contributions from the other parties
C.may recover fully for such loss from the Insurer prior to his obtaining the contributions from other parties
D.shall own all the contributing interests
General average adjustment shall be made according to the Beijing Adjustment Rules or similar provisions of other rules if _____．A.the relative contract does not provide according to which law and practice the adjustment shall be made
B.the contributing interests are owned by different persons
C.the contract of affreightment or carriage requires that some other governing law be followed
D.there is a sacrifice of the insured vessel
If the insured vessel sails in ballast and there are no other contributing interests，______．A.the general average adjustment shall be made according to the relative contract of carriage
B.all the provisions of Beijing Adjustment Rules shall be applied in case of any general average
C.no general average adjustment is needed
D.the general average shall be adjusted as if there were different contributing interests according to the provisions of Beijing Adjustment Rules
The word“contemplated”in the last paragraph of this passage means _____．A.“looked at”
B.“intended”
C.“contended”
D.“meditated”
请帮忙给出每个问题的正确答案和分析，谢谢！
相似考题
更多“材料:This insurance also covers the insured vessel&39;s proportion of general average,salv ”相关问题
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第1题：
___ is similar to whole life insurance except that the insured pays premium for only a limited number of years.A.term life insurance
B.whole life insurance
C.limited payment life insurance
D.endowment life insurance
正确答案：C
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第2题：
Measures taken by the Assured or the Underwriters with the object of saving，protecting or recovering the subject-matter insured shall not be considered as _______.
A.sue and labor
B.a waiver or acceptance of abandonment or otherwise prejudice the rights of either party
C.general average acts
D.acts reasonable for the purpose of averting or minimizing a loss
正确答案：B
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第3题：
The onus of proof is upon ______the party claiming in general average to show that the loss or expense claimed is properly allowable as general average．
A.the party from which general average is claimed
B.the party claiming in general average
C.the carrier
D.the shipper
正确答案：B
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第4题：
材料：
When expenses are incurred the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the Vessel as stated herein，or to the sound value of the Vessel at the time of the occurrence giving rise to the expenditure if the sound value exceeds that value．Where the Underwriters have admitted a claim for total loss and property insured by this insurance is saved，the foregoing provisions shall not apply unless the expenses of suing and labouring exceed the value of such property saved and then shall apply only to the amount of the expenses which is in excess of such value．
When a claim for total loss of the Vessel is admitted under this insurance and expenses have been reasonably incurred in saving or attempting to save the Vessel and other property and there are no proceeds，or the expenses exceed the proceeds，then this insurance shall bear its pro rata share of such proportion of the expenses，or of the expenses in excess of the proceeds，as the case may be，as may reasonably be regarded as having been incurred in respect of the Vessel，but if the Vessel be insured for less than its sound value at the time of the occurrence giving rise to the expenditure，the amount recoverable under this clause shall be reduced in proportion to the under-insurance．
问题：
Of the following，_______ only is correct．
A.The stated value of the vessel is always higher than its ensured value
B.The sound value of the vessel at the time of the occurrence is always higher than its ensured value
C.The sound value of the vessel at the time of the occurrence is always higher than its stated value
D.The sound value of the vessel at the time of the occurrence is always higher than its saved value
Assuming the sound value of the vessel at the time of accident is $10 millions，the insured value $9 millions，the stated value $8 millions，the expense incurred $2 millions，the liability under this insurance is likely to be _______．A.$2.0 millions
B.$1.8 millions
C.$1.6 millions
D.$1.4 millions
Under afore-said conditions，assuming the expense of suing and labouring is $3 millions，the proceeds $2 million，and the Underwriter has admitted a claim for total loss，the liability under this insurance is likely to be _______．A.$0.9 million
B.$0.8 million
C.$1.0 million
D.$2.0 millions
Under previous conditions，assuming the saved value is $1 million，the expense of suing and labouring $3 millions，and the Underwriter has admitted a claim for total loss，the liability under this insurance is likely to be _______．A.$2.0 millions
B.$1.8 millions
C.$1.6 millions
D.$1.4 millions
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：D
问题 2 答案解析：B
问题 3 答案解析：A
问题 4 答案解析：B
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第5题：
共用题干
Health care in the US is well known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly.It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick.In 2004,the average worker paid an extra $558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,only 61 percent of the population received health insurance through their employers,according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included.
Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.
Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it. But exact policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying directly from the insurance company.In the US,a person's company buys him or her health insurance.
A:Right
B:Wrong
C:Not mentioned答案：A解析：答案相关句在第二段：“Employers have contracts with insurance companies, which pay for all or part of employees' doctors' bills.”所以选A。
答案在第三段，保险公司支付给病人的金额有很大区别。这取决于雇主支付的保险费。雇主支付给保险公司的越少，员工每次看病时付给医院的就越多。因此，员工的医疗保险是不同的。
文章中没有相关信息说明2004年失业的大多数人是女性，所以选C。
答案相关句在文章第五段最后一句："They also cannot buy university health insurance because they are no longer students.”所以选B。
答案相关句在倒数第二段第二句："All are required to have health insurance and cannot begin their classes without it.”所以选A。
本文讲的是美国的健康保险。"The international students in the US work harder than the American students.”并未提到。因此选C。
文章的四、五、六段都在讲美国health care system遗漏的群体。因此选B。 -
第6题：
共用题干
Health care in the US is well known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly.It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick.In 2004,the average worker paid an extra $558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,only 61 percent of the population received health insurance through their employers,according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included.
Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.
Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it. But exact policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying directly from the insurance company.In the US,graduated students with no jobs can buy university health insurance.
A:Right
B:Wrong
C:Not mentioned答案：B解析：答案相关句在第二段：“Employers have contracts with insurance companies, which pay for all or part of employees' doctors' bills.”所以选A。
答案在第三段，保险公司支付给病人的金额有很大区别。这取决于雇主支付的保险费。雇主支付给保险公司的越少，员工每次看病时付给医院的就越多。因此，员工的医疗保险是不同的。
文章中没有相关信息说明2004年失业的大多数人是女性，所以选C。
答案相关句在文章第五段最后一句："They also cannot buy university health insurance because they are no longer students.”所以选B。
答案相关句在倒数第二段第二句："All are required to have health insurance and cannot begin their classes without it.”所以选A。
本文讲的是美国的健康保险。"The international students in the US work harder than the American students.”并未提到。因此选C。
文章的四、五、六段都在讲美国health care system遗漏的群体。因此选B。 -
第7题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Paragraph 3______
A:What's the Main Problem of Earthquake Insurance?
B:What Damages Can an Earthquake Cause?
C:How to Buy an Earthquake Insurance?
D:What Is an Earthquake Insurance?
E:Where Does Earthquake Happen Frequently?
F: What Does an Earthquake Insurance Contain?答案：F解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第8题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.The insurance paid for earthquake depends on the type of insurance and______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：D解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第9题：
We（）you of our prompt shipment after receipt of your order.
- A、assure
- B、assurance
- C、insure
- D、insurance
正确答案:A -
第10题：
Insurance is essentially a contract between two parties， namely the insurer and insured， like the consignor and consignee.
正确答案:正确 -
第11题：
The （）is the consideration which the insurers receive from the assured in exchange for their undertaking to pay the sum insured in the event insured against.
- A、insurance amount
- B、insurance premium
- C、amount of compensation
- D、salvage charges
正确答案:B -
第12题：
判断题Insurance is essentially a contract between two parties， namely the insurer and insured， like the consignor and consignee.A对
B错
正确答案： 对解析： 暂无解析 -
第13题：
According to the Insurance Terms of PICC，All Risk covers ______.
A.total and partial loss
B.4／4 collision liability
C.general average
D.all of the above
正确答案：D
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第14题：
The Insurance Company shall be liable for ______.
A.loss or damage caused by unseaworthiness of the insured ship
B.demurrage of the insured ship and other indirect expenses
C.reasonable expenses for ascertaining the loss or damage within the scope of Cover
D.A，B，C are all wrong
正确答案：C
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第15题：
材料：
Following a general average incident，ship agents and surveyors play a significant role．A ship agent，in addition to the normal duties of port and husbandry agency，will assist the master in the aftermath of a general average incident to make a declaration which complies with the local law and custom of the port．
Once the average adjuster has confirmed that security has been obtained from all the interested parties，the agent is instructed by the ship owner to permit delivery of the cargo．If cargo has been discharged to lighten the vessel，or cargo has been transshipped to a final destination，the agent will be responsible for keeping full and complete records of all movements and expenditure attributable to the general average．
After any incident，a large number of surveyors representing various interests will descend on the vessel．Some of these surveyors will not be involved directly in the general average process．However，if it has become necessary to sacrifice or discharge a part of the cargo before arrival at the final destination stated on the bill of lading，the ship owner will appoint surveyors to report on the condition and quantity of cargo．
Such surveyors，usually called general average surveyors，will act in the interests of all the parties involved（and may also represent hull and machinery interests）．If possible，the account representing expenditure incurred should be examined and approved by the general average surveyor before settlement．
问题：
Which of the following is NOT correct as to the general average surveyors ___________．
A.They may sometimes be involved into the examination and approval of general average expenditures
B.They may sometimes be involved into the examination and approval of general average sacrifices
C.They will act in the interests of all the parties involved
D.They will look at particularly the general average matters
What does this passage imply for the shipmasters when a general average incident occurred onboard ___________．A.He can rely on greatly the general average surveyors
B.He can rely on greatly the ship agent
C.He can rely on greatly the interested parties
D.He can rely on greatly other surveyors
The ship agent mentioned in the passage behaves ______．A.for the benefit of the cargo owner
B.for the benefit of the shipowner
C.for the benefit of the salvors
D.for the benefit of the interested parties other than the above
The security required by the owner of ship and provided by relevant interested parties in general average cases is for the purpose of _______．
① contributing to the losses and damages of general average nature；
② securing all the general average contributions；
③ Securing all the payment of Sue and Labour；
④ contributing to the losses and damages of particular average nature．
A.①③④
B.①②③
C.①②
D.②③④
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：D
问题 2 答案解析：A
问题 3 答案解析：B
问题 4 答案解析：C
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第16题：
材料：
Immediately upon receipt of advice of any accident or loss to the insured vessel，it is the duty of the Insured to give notice to the Insurer within 48 hours，and if the vessel is abroad，to the Insurer&39;s nearest agent immediately，and to take all reasonable measures for the purpose of averting or minimizing a loss which would be recoverable under this insurance． Measures taken by the Insured or the Insurer with the object of averting or minimizing a loss which would be recoverable under this insurance shall not be considered as waiver or acceptance of abandonment or otherwise prejudice the rights of either party．
The Insured shall obtain prior agreement of the Insurer in determining the liabilities and expenses in respect of the insured vessel．
In submitting a claim for loss，the Insured shall transfer to the Insurer all necessary documents，and assist him in pursuing recovery against the third party in case of third party liabilities or expenses being involved.
问题：
Which are the duties of the Insured upon receipt of advice of any accident or loss to the insured vessel ___________．
I．To take all reasonable measures for the purpose of averting or minimizing a loss insured against；
II．To give notice to the Insurer within 48 hours；
III．To obtain prior agreement of the Insurer in determining the measures to be taken for the purpose of minimizing a loss insured against．
A.I，II and III
B.I and II
C.I and III
D.II and III
The word“abandonment”in the second paragraph of this passage means ______．A.“giving up the hope to rescue the insured ship”
B.“leaving the sinking ship”
C.“discharging the Insurer's liability for the insured ship”
D.“giving the ownership of the insured vessel to the Insurer”
If third party liabilities or expenses is involved in a claim for loss，the Insured shall ______．A.transfer all necessary documents to the third party
B.assist the Insurer in pursuing recovery against the third party
C.obtain prior agreement of the third party in determining the liabilities and expenses in respect of the insured vessel
D.ask the third party to accept abandonment
“Third party”in the last paragraph of this passage refers to ______．A.the Insurer
B.the Insured
C.any party other than the Insurer and the Insured
D.either the Insurer or the Insured
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：B
问题 2 答案解析：D
问题 3 答案解析：B
问题 4 答案解析：C
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第17题：
共用题干
Health Care in the US
Health care in the US is well-known but very expensive.Paying the doctor's bill after a
major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.
Employers have contracts with insurance companies,which pay for all or part of employees'
doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly. It all depends
on what insurance the employer pays.The less the boss pays to the insurance company,the
more the employee has to pay the hospital each time he or she gets sick. In 2004,the average
worker paid an extra US$558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,
only 61 percent of the population received health insurance through their employers,
according to the report. The unemployed,self-employed,part-time workers and graduated
students with no jobs were not included,
Most US university students have a gap between their last day of school and their first
day on the job.Often,they are no longer protected by their parents' insurance because they
are now considered independent adults.They also cannot buy university health insurance because they
are no longer students.
Another group that falls through the gap of the US system is international students.All
are required to have health insurance and cannot begin their classes without it,But exact
policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan
for students.Often,buying the school plan is required,but luckily it's also cheaper than
buying direct from the insurance company.The international students in the US work harder than the American students.
A:Right
B:Wrong
C:Not mentioned答案：C解析： -
第18题：
资料：（一）
Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.
Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.
According to this passage, insurance is possible because______.A.only a small proportion of the insured suffer loss
B.everyone at some time suffers loss
C.nearly everyone suffers loss
D.only insured people suffer loss答案：A解析：本题考查的是细节理解。
【关键词】 insurance;possible because
【主题句】第1自然段 On the other hand, not every house is damaged by fire no every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss.另一方面，不是所有的房子都会被大火烧毁，也不是所有的船只都在海上丢失。如果这些人每人拿出一小笔钱来汇聚成一片汪洋，就会有足够的钱来满足少数的确遭受损失的人的需求，
【解析】本题的问题是“根据文意，保险是可行的，原因是_______”。 A选项“被保险人中只有一小部分真正蒙受损失”；B选项“所有人都有蒙受损失的时候”；C选项“几乎所有人都蒙受损失”；D选项“只有被保险人蒙受损失”。根据题目中关键词找到主题句，主题句中，解释了不是所有人都会遭受损失，只有一小部分人会遭到厄运，因此保险是切实可行的。故A选项正确。 -
第19题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Earthquakes can cause a variety of direct damage and______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：A解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第20题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Insurance companies also adjust their______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：B解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第21题：
翻译：General Average（GA）（）
正确答案:共同海损 -
第22题：
Which of the following insurance coverage cover general average and salvage charges.（）
- A、WA
- B、FPA
- C、All Risks
- D、Institute Cargo Clause (A)
正确答案:A,B,C,D -
第23题：
单选题Any extra expense incurred in place of another expense which would have been allowable as general average shall（）general average and so allowed without regard to the saving if any，to other interests，but only up to the amount of the general average expense avoided.Adeem to be
Bdeem being
Cbe deemed to be
Dbe deemed being
正确答案： B解析： 暂无解析