承保收取投保人的保险金作为承担这类风险的共同基金，受损方的索赔费从此项基金中支付。

承保收取投保人的保险金作为承担这类风险的共同基金，受损方的索赔费从此项基金中支付。
【正确答案】：The insured’s premium is received by the insurer into a fund or pool for that type of risk, and the claims of those suffering losses
are paid out of this common pool.