Future catastrophes – storms, earthquakes, tsunamis, volcano eruptions, forest fires, agricultural or other environmental crises, disease epidemics, or terrorist attacks – are likely to result in the same kinds of problems. So it is important to consider the causes of underinsurance and whether our insurance institutions are adequate to the risks that we face.
未来的各种灾难――暴风、地震、海啸、火山喷发、森林大火、农业或者其他环境危机、疫病，或者恐怖袭击――都会引发类似的问题。因此，我们很有必要去探寻不足额保险背后的各种原因以及我们的保险体系是否足以处理将要面对的各种风险。