问题 单项选择题

王先生为自己的家具店经营的家具进行了投保,保险金额为80万元,由于隔壁饭店失火导致王先生经营的家具实际损失价值达80万元,出险时该批家具价值100万元,则下列说法正确的是( )。

A.保险公司赔偿王先生损失80万元后,可以获得向饭店追偿80万元的权利
B.保险公司赔偿王先生损失80万元后,可以获得向饭店追偿100万元的权利
C.保险公司应当赔偿王先生64万元,剩余的16万元王先生可以继续向饭店追偿
D.保险公司赔偿王先生损失80万元后,王先生仍然可以要求饭店赔偿损失

答案

参考答案:C

解析: 由于保险金额为80万元<出险时该批家具的价值100万元,所以该合同是不足额保险合同。不足额保险在进行赔偿时,按照比例赔付的方式进行,即80/1(x)×80(实际损失)=64万元,则保险公司赔偿王先生64万元,保险公司可以获得64万元赔偿的代位追偿权,剩余的16万元王先生可以继续向饭店追偿。

阅读理解

A Nobel Prize(诺贝尔奖) is considered by most people one of the highest international honors a person can receive. As you know, the prizes were started by a Swede(瑞典人) called Alfred Nobel. He was born in Stockholm, the capital of Sweden. Alfred Nobel was a great scientist. He made two important inventions, and so he became very rich. Although he was rich, Nobel was not a happy man. He never married or had children. Also, he was a sick man during his large part of life. When he died at the age of 63, he left a fund(资金) of $9,000,000. The money was to be used in giving prizes to those who made great achievements in physics, chemistry, medicine and literature(文学), and for world peace.

The first Nobel Prizes were given on December 10, 1901, five years after Nobel’s death. Since then many famous people from all over the world have been given Nobel Prizes for their achievements.

Each prize has three parts. The first part is a gold medal. Second, a winner of a Nobel Prize is given a diploma saying that he has been given the prize. The third part of the prize is a large amount of money-about $40,000.

Often a prize is given to just one person, but not always. Sometimes a prize is shared. It may be given to two or more people who have worked together. It is also sometimes true that a prize is not given at all if there is no great achievement. In 1972, for example, no Nobel Peace Prize was given.

小题1:When was Alfred Nobel born?

A.In 1938.

B.In 1833.

C.In 1896.

D.In 1906.小题2:What kind of person would you say Alfred Nobel was?

A.He was a rich, happy and lucky man.

B.He was a poor, unhappy and unlucky man.

C.He was a rich, but unhappy and unlucky man.

D.He was a poor, but happy and lucky man.小题3:When he died, Nobel left a large amount of money ________.

A.to his wife

B.to his children

C.for helping the poor people in Sweden

D.for setting five prizes小题4:The underlined word “diploma” in the passage most probably means_________ .

A.certificate(证书)

B.letter

C.ticket

D.card小题5:How many persons is a Nobel Prize given to?

A.Not always one person.

B.Two persons.

C.Only one person.

D.Three persons.

判断题