Unless otherwise agreed , the liability of the insurer for compensation is for loss or damage actually suffered by the insurer at the time of an insured event subject to a maximum not exceeding the insured amount of the subject - matter insured 除另有协议者外，保险方的赔偿责任是对投保方在发生事故当时实际遭受的损失负责赔偿，但最高以保险标的的保险金额为限。
Upon receipt of the documents for such claim , the insurer shall decide whether or not to admit liability , and where an agreement on the amount payable is reached with the insured , shall effect payment within ten days from the date of such agreement 保险方收到投保方要求赔偿的单证后，根据保险合同的规定，核定应否赔偿；在与投保方达成有关赔偿金额的协议后，应在十天内偿付。
If the policy holder discovers dangerous circumstances regarding the insured property and does not adopt measures to eliminate them , it shall be held solely liable for any losses from an accident caused thereby , and the insurer shall not be liable for making indemnity therefor 投保方对被保险的财产发现有危险情况，不采取措施消除，同由此发生事故造成的损失由自己负责，保险方不负赔偿责任。
Should , after the conclusion of the contract of insurance , there be any non - disclosure , concealment or misrepresentation by the insured of the material circumstances mentioned in the preceeding paragraph the insurer shall be entitled to rescind the contract of insurance or disclaim liability 保险合同成立后，如果发现投保方对本条上款所述的主要危险情况不申报或者有隐瞒或者作错误的申报，保险方有权解除保险合同或者不负赔偿责任。
The insurer may make compensation in advance according to the provisions of the contract if the insured claims against him , in such case , however , the insured shall subrogate to the insurer the right of recovery against the third party and assist the latter in pursuing such recovery 如果投保方向保险方提出赔偿要求时，保险方可以按照保险合同规定，先予赔偿，但投保方必须将向第三者追偿的权利转让给保险方，并协助保险方向第三者追偿。
When the contract is terminated at the request of the insured , the insurer shall be entitled to charge the premium calculated on the basis of the short period rating schedule set by the state insurance supervisory authority for the time the contract has been in force , and refund to the insured the premium paid by him 投保方要求终止合同时，保险方有权按照国家保险管理机关规定的短期费率表的规定，收取自保险生效日起至终止合同日为止的保险费，退还投保方原己交付的保险费。
