Can you briefly explain the contribution principle in insurance?

Can you briefly explain the contribution principle in insurance?
【正确答案】：According to contribution principle, a person cannot be allowed to insure twice for the same risk, and claim compensation from both insurers. If two policies do cover the same event, the insurance companies contribute pro rata to the loss, and the insured is only restored to the indemnity position.
【题目解析】：题目的中文意思是你能简单解释一下保险中的分摊原则吗？根据损失费用分摊原则，若投保人就同一保险标的和相同的风险同时向两家及以上的保险人投保，当发现损失时，为了防止被保险人获得双份或多份赔偿，需将实际损失在各保险人之间进行分摊。答案如上。