目前,人民法院受理的铁路货物运输合同赔偿纠纷案件中,相当多数的案件是由于托运人对所托运的货物投保货物运输险的投保金额低于货物的实际价值,即投保不足额,一旦因承运人的责任造成损失 Currently, the majority of cases accepted by the people’s court for disputes over compensation contracts for the carriage of goods by rail are cases in which the insured amount insured by the shipper for the cargo transport insurance of the consigned goods is lower than the actual value of the goods, that is, the insured amount is insured, Human responsibility causes damage