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  3. Insurance is the sharing of risks．Nearly everyone is exposed to risk of some sort．The house owner，for example，knows that his pro

Insurance is the sharing of risks．Nearly everyone is exposed to risk of some sort．The house owner，for example，knows that his pro

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问题 Insurance is the sharing of risks．Nearly everyone is exposed to risk of some sort．The house owner，for example，knows that his property can be damaged by fire，the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family poorer．On the other hand．not every house is damaged by fire nor every vessel lost at sea．If these persons each put a small sum of money into a pool，there will be enough to meet the needs of the few who do suffer losses．In other words．the losses of the few are met from the contributions of the money．This is the basis of insurance．Those who pay the contribution are known as“insured”and those who administer the pool of contributions as“insurers”．
    Not all risks can be covered by insurance．Broadly speaking，the ordinary risks of business and speculation cannot be covered．The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated，and risks can only be insured against if they can be so estimated．
    The legal basis of all insurance is the“policy”．This is a printed form of contract．It states that
in return for the regular payment by the insured of a certain sum of money，called the“premium”，which is usually paid every year，the insurer will pay a sum of money or compensation for loss，if the risk actually happens．The wording of policies，particularly in marine insurance，often seems very old—fashioned，but there is a sound reason of this．Over a large number of years，many law cases have been brought to clear up the meanings of doubtful phrases in policies．The law coups have given these phrases a definite and indisputable meaning，and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech．
    请回答下列问题。
According to this passage，insurance is possible because___________.
选项 A、only a small proportion of the insured suffer loss
B、everyone at some time suffers loss
C、nearly everyone suffers loss
D、only insured people suffer loss
答案C
解析 细节题。根据第一段第二句“Nearly everyone is exposed to risk of some sort．”可知A、B两项错误。D项“only insured people suffer loss”也与第一段第二句有出入，可知D项错误。故本题选C。
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