问答题 The likelihood of loss should be predictable．Insurance companies know appmximately how many fires will occur each year，how many traffic accidents and job related injuries will take place．Knowledge of the numbers of such losses and of their average size allows the insurance company to determine the amount of premiums necessary to repay those companies and indixiduals who suffer losses． The loss should be fortuitous or accidental．Losses must happen by chance and must not be intended by the insured．The insurance company is not required to pay for damages caused by a fire if the insured is found guilty of arson．Similarly，life insurance policies typically exclude the payment of proceeds if the insured commits suicide in the first year of policy’s coverage．