Having examined insurance and out-of-pocket spending for several health risks, it concludes that Americans are generally "over-insured and under-saved".

在针于多项健康风险的保险与现金消费进行的研究后，该报告指出美国人民总体上保险过度而储蓄不足。

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Especially, the scope of the obligation undertaken by the insurer who has taken over the ownership of the subject-matter insured usually becomes the core of the dispute.

尤其是接受了保险标的所有权的保险人究竟在多大范围内承担基于此所有权的责任更成为争议的焦点。

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Thousands of auto insurance agents all over the country are at the insured person's call, wherever he may travel.

全国数千个汽车保险代理公司，都将随时提供服务。

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Because our savings are over-insured, we don't stop to consider the activities or the health of the institutions we bank with.

FORBES: Magazine Article

In short, the over-insured depositors are the banking system's moral hazard.

FORBES: Magazine Article

Individuals can make choices like how to buy long-term medications (there are good, lower-cost options) and how much health insurance they need (a lot of people are over-insured for routine health costs, especially in the Medicare supplement market).

FORBES: Healthcare Needs Transparency