问题 不定项选择

王女士是某广告公司的副经理,2004年3月25日该公司为包括王女士在内的每位高级管理人员在甲保险公司均投入人身意外伤害保险,签订保险合同时公司在受益人一栏直接记载了公司的名称,保险期限为1年,广告公司按照约定交纳了保险费。2004年11月23日王女士乘坐本公司的司机刘某驾驶的汽车前往加工厂途中不幸因车祸身亡。经交通管理部门鉴定,该起车祸系广告公司司机刘某酒后驾车引起,刘某负全责。刘某曾经在2003年12月10日与乙保险公司签订责任保险,保险期限为1年,并且交纳了保险费。关于甲保险公司要承担的责任,正确的是()。

A.给付保险金给王女士的继承人

B.给付保险金给广告公司

C.可以免除给付保险金的责任,因为车祸由刘某负责

D.和乙保险公司各自承担一半保险金给付的责任

答案

参考答案:A

解析:根据《保险法》第61条的规定,人身保险受益人由被保险人或者投保人指定。投保人指定受益人时须经被保险人同意。本题中该受益人的指定没有经过被保险人同意,是无效的,视为没有受益人。《保险法》第64条规定,被保险人死亡后,没有指定受益人的,保险金作为被保险人的遗产,由保险人向被保险人的继承人履行给付保险金义务。因此甲保险公司应当给付保险金给王女士的继承人而不是广告公司。《保险法》第68条规定:"人身保险的被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的,保险人向被保险人或者受益人给付保险金后,不得享有向第三者追偿的权利。但被保险人或者受益人仍有权向第三者请求赔偿。"人身伤亡不能用具体的金钱价值予以确定,因此保险公司在人身保险中不能因为第三人的过错而减免自己的责任。所以CD都是错误的表述。

单项选择题

The days of elderly women doing nothing but cooking huge meals on holidays are gone. Enter the Red Hat Society--a group holding the belief that old ladies should have fun.

"My grandmothers didn’ t do anything but keep house and serve everybody. They were programmed to do that," said Emily Cornette, head of a chapter of the 7-year-old Red Hat Society.

While men have long spent their time fishing and playing golf, women have sometimes seemed to become unnoticed as they age. But the generation now turning 50 is the baby boomers(生育高峰期出生的人), and the same people who refused their parents’ way of being young are now trying a new way of growing old.

If you take into consideration feminism(女权主义), a bit of spare money, and better health for most elderly, the Red Hat Society looks almost inevitable(必然的). In this society, women over 50 wear red hats and purple(紫色的) clothes, while the women under 50 wear pink hats and light purple clothing.

"The organization took the idea from a poem by Jenny Joseph that begins: When I am an old woman, I shall wear purple. With a red hat which doesn’ t go," said Ellen Cooper, who founded the Red Hat Society in 1998. When the ladies started to wear the red hats, they attracted lots of attention.

"The point of this is that we need a rest from always doing something for someone else," Cooper said, "Women feel so ashamed and sorry when they do something for themselves. " This is why chapters are discouraged from raising money or doing anything useful. "We’ re a ladies’ play group. It couldn’ t be more simple," added Cooper’ s assistant Joe Heywood.

Women join the Red Hat Society because()

A. they want to stay young

B. they would like to appear more attractive

C. they would like to have fun and live for themselves

D. they want to be more like their parents

问答题 简答题