《中国保险报》2007年8月20日刊登了“保险价值超实际价值引发纠纷”一案,笔者想就此对船舶投保的保险价值与保险金额在实际工作中的掌握,谈点看法。“保险价值”指财产保险标的物的价值。保险价值是确定保险金额的依据。“保险价值”只适用于财产保险。在财产保险中,保险标的 On August 20, 2007, China Insurance Daily published a case in which “the insurance value exceeds the actual value causes a dispute,” and I would like to comment on the actual value of the insured value and insurance amount of the insured vessel in this regard. “Insurance value” refers to the value of property insurance subject matter. Insurance value is the basis for determining the amount of insurance. “Insurance Value” applies only to property insurance. In property insurance, the subject of insurance