为防止发生无法预料的紧急情况,人们给房屋、家具和汽车投保。
For protection against unforeseen emergencies, you insure your house, your furnishings and your car.
一个人购买的保单应当以最少的花费提供最大的保护,给合适的家庭成员投保,以及考虑家庭的财务需求。
One should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.
此前,他们可能不会为那些觉得风险高的人投保或收取他们太多的费用,又或者他们收取的费用太低,然后给公司带来损失。
Before, they might not insure the ones who felt like a high risk or charge them too much, or they would charge them too little and then it would cost the company money.
The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.
有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付
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