Where the insured amount is lower than the insured value, the insurer shall be liable for the expenses referred to in this Article in the proportion that the insured amount bears to the insured value, unless the contract provides otherwise.

• 保险金额低于保险价值的，除合同另有约定外，保险人应当按照保险金额与保险价值的比例，支付本条规定的费用。