What is the effect of a partial loss provision in a personal injury claim?

'From its very nature such a provision can only take effect when the actual loss is partial and less than the amount of the insurance; and in effect it brings to a partial loss the situation which necessarily obtains in the case of a total loss where the owner has insured his property for less than [30 Cal.App.3d 386] its actual value.' (Templeton v. Insurance Co. of North America, Supra, 201 S.W.2d 784, at 786.)