保险金额低于保险价值的，在保险标的发生部分损失时，保险人按照保险金额与保险价值的比例负赔偿责任。

Where the insured amount is lower than the insured value, the insurer shall indemnify in the proportion that the insured amount bears to the insured value.

youdao

保险金额低于保险价值的，在保险标的发生部分损失时，保险人按照保险金额与保险价值的比例负赔偿责任。

Where the insured amount is lower than the insured value, the insurer shall indemnify in the proportion that the insured amount bears to the insured value.

youdao