[DTDinfo id=”100篇 中”]
If the value of the item lost exceeds this amount, the insurers are only liable to pay the total amount for which the subject-matter has been insured, but if the value is less, they are bound to pay, except in the case of a value policy, its actual value. 如损失的价值大于保额，则保险人只负责支付全部保额；损失如小于保额，则保险人应支付实际价值——但属定值保单者自当别论。