以下关于保险金额的说法正确的是( )。 A. 在保险中,保险金额等于保险价值;在不保险中,保险金额不等于保险价值 B. 在保险中,保险金额不得超过保险价值;在不保险中,保险金额可以超过保险价值 C. 在不保险中,保险金额既可由投保人单独确定,也可由投保人与保险人协商确定 D. 在不保险中,保险金额既可按保险标的的实际价值确定,也可按投保时保险标的的账面价值确定
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