保险基本原理第 232 / 531 题
Which of these settlement features is an exception to the principle of indemnity?
a.an actual cash value settlement, taken after depreciation
b.replacement cost coverage, which pays without a deduction for age
c.subrogation, which recovers the payment from a liable third party
d.a coinsurance clause, which penalizes an underinsured building
解析
Indemnity aims to restore the insured to the same financial position as before the loss and no better, and an actual cash value settlement does exactly that by subtracting depreciation. Replacement cost pays for new property without that deduction, so the insured can end up better off, making it a recognized exception. Subrogation and coinsurance support indemnity rather than defeat it, one by preventing a double recovery and the other by policing the amount carried.
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