For both unreported and reported but unsettled losses, the insurer makes actuarial estimates of the expected loss payments. The loss reserve represents the total of these expected payments.

 
  • 对于未报告或已报告但仍未结付的损失,保险公司对预期的赔款作精算估计。未决赔款准备金相当于预期赔款的总和。
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