保险基本原理第 218 / 531 题
The principle of indemnity is best described as:
a.Guaranteeing the insured a small profit after a loss
b.Replacing property with new items regardless of its age
c.Restoring the insured to the position held just before the loss
d.Paying out the full policy limit for every covered loss
解析
Indemnity means restoring the insured to the approximate financial condition they were in just before the loss, so they are made whole but do not profit. Paying the full limit regardless of the actual loss would violate indemnity by allowing gain. Property insurance is built on indemnity, which is why concepts like actual cash value, deductibles, and other-insurance clauses exist to prevent overpayment.
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