共同保险：是由两家或两家以上的保险人联合直接承保同一标的、同一保险利益、同一风险责任而总保险金额不超过保险标的可保价值的保险。共同保险的各保险人在各自承保金额限度内对被保险人负赔偿责任。 下列行为属于共同保险的是：
A．王某新买了一辆汽车，同一天分别在两个保险公司为其投了全险
B．甲保险公司将自己公司承保的卫星发射保险再向乙公司投保
C．张某为自己在甲保险公司投了大病保险，在乙保险公司投了意外保险
D．李某买了一辆价值20万元的汽车，只为其在甲公司买了15万的保险
参考答案：D
解析： 共同保险的定义要点为：①两家或两家以上联合直接承保；②同一标的。A项是两个公司分别承保同一标的，不符合①；B项不是由两家直接联合承保而是甲承保后再联合乙，也不符合①；C项不符合①和②；D项可视为由保险公司和李某共同承担，属于共同保险。
| At the public radio station KEXP in Seattle, there’s a simple procedure for evaluating new technology. "We just go ahead and do stuff," says one of the station’s morning disc jockeys. That’s how the quirky station created one of the first music podcasts—without support from major record companies. A podcast is a digital recording of a radio-style audio program that can be downloaded from the Internet and played on a digital music player. Many podcasters think the technology could revolutionize radio as TiVo did television. Podcasting is a great way for KEXP to reach thousands of new listeners, especially those outside of Seattle. But the station can’t podcast programs such as John in the morning—a variety of independent and mainstream music—because record companies haven’t provided an easy, affordable way for podcasters to license songs. That’s why most podcasts today are talk radio. KEXP decided that it couldn’t sit around and wait and wait for a major label to sign off on this. So it invited 14 unsigned or small bands from the Seattle area to contribute songs to a podcast. The station asked a lawyer—a listener who volunteers at the station—to draw up a simple contract for the bands. KEXP did not release numbers but said the podcast was a hit. KEXP is now podcasting some live performances to which it owns the rights. Since podcasts are recordings, they can be played at any time. Listeners can pause, fast-forward or rewind them. And since podcasts are posted online, listeners can download programs from radio stations and independent broadcasters from all over the world. The podcasts can also be hacked and pirated. An enterprising listener could pull songs out of a podcast and turn them into music files or CDs. That’s why many record companies say the technology is promising but problematic. But record labels worry that listeners will pirate the songs contained in the downloaded radio shows. For example, OK Go and several other emerging bands with EMI have their own podcasts. But EMI is not ready to approve a blanket podcasting license. "Podcasting is potentially very exciting," says Executive Vice-president Adam Klein. The result: yet another Napster-like standoff over piracy and music rights. |
The words "a major label" in Paragraph 4 most probably refers to a ______ .
A．government agency
B．podcasting director
C．public radio station
D．record company