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

资料：（一） Insurance is the sharing of risk

题库2022-08-02  61
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.The insurance of businesses’ordinary risks is not possible because______.A.such risks are very expensiveB.such risks cannot be estimated preciselyC.such risks are too highD.the premium would be too high
选项 A.such risks are very expensive
B.such risks cannot be estimated precisely
C.such risks are too high
D.the premium would be too high
答案 B
解析 本题考查的是细节理解。
【关键词】insurance of businesses ordinary risks; not possible; because
【主题句】第2自然段 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.并非所有风险都可以投保。一般来说，普通商业风险和投机风险是不能投保的。买家不会以卖家所提供的价格购买商品这种风险不是一种可以在统计学上预估的风险，只有在风险可以预估的情况下才能对风险投保。
【解析】本题的问题是“对普通商业风险进行投保是不可行的，原因是_______”。 A选项“此类风险所需费用昂贵”；B选项“此类风险不能被准确预估”；C选项“此类风险发生率太高”；D选项“保险费用太高”。根据题目中关键词找到主题句，主题句中，解释了不能对普通商业风险进行投保的原因是无法预估此类风险，只有在风险可以预估的情况下才能对风险投保。故B选项正确。
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