Mr. John made an insurance contract with Delta insurance company three months ago for his car for an amount of Tk 5,00,000. All on a sudden he met with an accident with a lorry. The total loss incurred because of the accident was Tk 5,50,000. The lorry owner agreed to pay one third of loss. With which principle this situation can be explained? How much insurance company will pay to the car owner when he paid three months of premium?