财产保险基础第 270 / 531 题
Compared with a flat dollar deductible, a percentage deductible on a commercial property policy:
a.Is capped at the flat deductible amount
b.Applies once a policy year, not per loss
c.Rises as the amount of insurance rises
d.Replaces the coinsurance clause entirely
解析
A flat deductible is a fixed dollar figure taken off each covered loss, while a percentage deductible is computed from a stated base such as the amount of insurance, so raising the limit raises the deductible with it. It is not an annual aggregate; like a flat deductible it applies to each occurrence. And a deductible only reduces what the insurer pays, which leaves the adequacy of the limit to the coinsurance clause.
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同考点相关题目
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