问题 问答题 案例分析题

某屋主将其所有的一栋房屋投保火险,投保时的市价为50万元,保险金额按50万元确定。该屋在保险期满前因发生火灾而被毁,若:①当时市价跌至40万元,保险人应赔多少?②如果房屋被毁时,市价涨至60万元。保险人应赔多少?③如果在保险事故发生前,屋主已将此屋的一半出售给他人,不久房屋被毁,当时市价跌至40万元,保险人应赔多少?

答案

参考答案:

①当房屋市价跌至40万元时,被保险人所遭受的实际损失就为40万元,虽然保险金额为50万元,保险人也只能按实际损失赔偿,即赔付40万元;

②当房屋市价涨至60万元时,因为保险金额只有50万元,所以保险人只能偿付50万元。

③当房屋市价跌至40万元,且屋主已将一半产权出售给他人时,虽然保险金额为50万元,但由于被保险人只有20万元的保险利益,故保险公司只赔偿20万元.

单项选择题 B1型题
阅读理解

Even plants can run a fever, especially when they're under attack by insects or disease. But unlike human, plants can have their temperature taken from 3,000 feet away—straight up. A decade ago, adopting the infrared(红外线)scanning technology developed for military purposes and other satellites, physicist Stephen Paley came up with a quick way to take the temperature of crops to determine which ones are under stress. The goal was to let farmers precisely target pesticide(杀虫剂)spraying rather than rain poison on a whole field, which invariably includes plants that don't have pest problems.

Even better, Paley's Remote Scanning Services Company could detect crop problems before they became visible to the eye. Mounted on a plane flown at 3,000 feet at night, an infrared scanner measured the heat emitted by crops. The data were transformed into a colour­coded map showing where plants were running “fevers”. Farmers could then spot­spray, using 50 to 70 percent less pesticide than they otherwise would.

The bad news is that Paley's company closed down in 1984, after only three years. Farmers resisted the new technology and long­term backers were hard to find. But with the renewed concern about pesticides on produce, and refinements in infrared scanning, Paley hopes to get back into operation. Agriculture experts have no doubt the technology works. “This technique can be used on 75 percent of agricultural land in the United States, ” says George Oerther of Texas A & M. Ray Jackson, who recently retired from the Department of Agriculture, thinks remote infrared crop scanning could be adopted by the end of the decade. But only if Paley finds the financial backing which he failed to obtain 10 years ago.

小题1:Plants will send out an increased amount of heat when they are________.

A.facing an infrared scanner

B.sprayed with pesticides

C.in poor physical condition

D.exposed to excessive sun rays小题2:In order to apply pesticide spraying precisely, we can use infrared scanning to________.

A.estimate the damage to the crops

B.draw a colour­coded map

C.measure the size of the affected area

D.locate the problem area小题3:Farmers can save a considerable amount of pesticide by________.

A.resorting to spot­spraying

B.transforming poisoned rain

C.consulting infrared scanning experts

D.detecting crop problems at an early stage小题4:The application of infrared scanning technology to agriculture met with some difficulties—________.

A.its high cost

B.the lack of official support

C.the lack of financial support

D.its failure to help increase production