保险

Rather, this almost 600% increase has been achieved through large gains in National Indemnity's traditional liability areas plus the starting of new companies (Cornhusker Casualty Company in 1970, Lakeland Fire and Casualty Company in 1971, Texas United Insurance Company in 1972, The Insurance Company of Iowa in 1973, and Kansas Fire and Casualty Company in late 1977), the purchase for cash of other insurance companies (Home and Automobile Insurance Company in 1971, Kerkling Reinsurance Corporation, now named Central Fire and Casualty Company, in 1976, and Cypress Insurance Company at yearend 1977), and finally through the marketing of additional products, most significantly reinsurance, within the National Indemnity Company corporate structure.

相反地，这600%的成长几乎都是来自于国家产险本身的传统业务的稳定成长再加上新创立的公司(包含1970年的 Cornhusker 产险、1971年的 Lakeland 火险、1972年的德州联合保险、1973年的爱荷华保险及1977年的堪萨斯火险公司等)，以购并方式买下的(1971年的家庭与汽车保险、1976年现已更名为中央火险的 Kerkling 再保险以及1977年的赛普路斯保险公司)，以及最后透过行销新业务-主要以国家保险名下进行的再保险业务所得。

CWhere the assured has no insurable interest throughout the c urrency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering;Where the assured has a defeasible interest which is termina ted during the currency of the risk, the premium is not returnable; Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable;Subject to the foregoing provisions, where the assured has o ver-insured by double insurance, a proportionate part of the several premiums is returnable; Provided that, if the policy are effected at different times, a nd any earlier policy has at any time borne the entire risk, or if a claim has b een paid on the policy in respect of the full sum insured thereby, no premium is returna ble in respect of that policy, and when the double insurance is effected knowingly by th e assured no premium is returnable.

nbsp；如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。

Characteristics of insurance determine that foud should be invested in spirit of Security,Liquidity,Profitability.

本文首先从保险和保险资金的基本理论着手，指出保险的内在属性决定了保险资金运用的必要性；由于保险资金来源的不同决定保险资金运用的取向；进而决定了保险资金运用要以安全性、流动性、收益性为指导原则。

The company of insurance broker is important bridge which insurer and insurant communicate in the insurance market.

保险经纪公司是保险市场上沟通保险人和被保险人的重要桥梁，保险经纪行业的发展直接影响着保险行业的发展，所以促进我国保险经纪行业的发展，有助于推动我国保险市场的发展。

Obtain from the literature, Western scholars\' premise about studying the issue of insurance fraud is based on the assumption that in the general insurance market, all policyholders are trend to misreport the true state of the insurance accident, when the insurance company investigate the policyholders\' claim, they know the true state of the insurance accident.

本文在收集和整理前人研究关于保险欺诈方面文献的基础上，对保险公司与投保人关于保险欺诈(虚报保险事故、夸大保险损失)的问题进行了博弈研究，并建立了数学模型。从文献可以看出，西方学者研究保险欺诈的问题时其前提假设一般都是基于保险市场上所有的投保人都是不诚信的，索赔调查具有完全性。

2 Where insurances on freight other than this insurance are current at the time of the loss, all such insurances shall be taken into consideration in calculating the liability under this insurance and the amount recoverable hereunder shall not exceed the ratable proportion of the gross freight lost, notwithstanding any valuation in this or any other insurance.

14.2 在损失发生时除本保险外还有其他运费保险之场合，在计算本保险项下责任时应考虑所有此种保险，本保险赔偿的金额不超过总运费损失的比例部分，不论本保险或任何其他保险的任何价值是多少。

Has an enthusiastic respond to obey the regulations of China Insurance Regulatory Commission, to establish a long cooperation with the main insurance market, to innovate the new service model, to build the first-class insurance purchasing podium, to be the best appetent insurance advisor for our clients and dedicates to be the special insurance and reinsurance broker company in China.

秉承&让标准成为典范&的企业精神，标准保险经纪有限公司积极响应保险监管部门的规范措施，加强与全球各主要保险市场的长期密切的合作，刻意创新服务模式，打造国内一流的保险采购平台，塑造最具亲和力的保险顾问形象，努力成为一家国内具有独特力的保险/再保险经纪公司。

Then the importance is t o firmly believe the specific substance of insurance interest in property insurance. In this base, I inquire into two lawful questions about insurance interest in property insurance such as stealage and theminus value of property.

首先阐述了财产保险利益的成立要件、表现形态；其次，在中国《保险法》未对财产保险利益的内容明确规定的情形下，将该部分重点落脚于对财产保险利益的具体认定，以深入理解财产保险利益；最后，在此基础上对财产保险利益中的两大疑难法律问题即被盗窃财产和价值为负数财产的保险利益问题进行了探讨，从而更深入准确地把握财产保险利益的内涵。

Moreover, the article has design with great bravery the specific legal system of the insurance investment supervision, referring the system of the insurance investment decision committee, the system of examining and approving the usage of the insurance funds, the system of focusing to turn over the funds and using unifiedly, the system of exploit evaluation of the insurance investment and the information disclosure system and the system of the insurance of insurance investment.

文章还就保险投资监管具体法律制度，如保险投资决策委员会制度、保险资金运用审批制度、保险资金集中上划和统一运用制度、保险投资业绩评估及信息披露制度、保险投资保险制度进行了具体勾勒。

If assessors use superiority of information to assess unsuitably or they do not do justice to insurance parties, it will influence benefit of insurance parties. Insurance assessment organization institution is an important part of insurance agency system.

保险公估人制度是保险中介制度的重要组成部分之一，如何更好的完善我国已经初步建立的保险公估人制度，在规范保险公估市场和约束保险公估从业人员行为等方面发挥作用，促进保险公估市场的良性发展，进而推动整个保险市场的发展，是一个亟待解决的问题。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。