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  3. 资料：（一） Insurance is the sharing of risk

资料：（一） Insurance is the sharing of risk

资格题库2022-08-02  24
问题 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 lossB.everyone at some time suffers lossC.nearly everyone suffers lossD.only insured people suffer loss
选项 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。
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