adjustment of particular average

简明释义

单独海损理算

英英释义

例句

1.In the event of a partial loss, the policyholder can request an adjustment of particular average from their insurer.

在部分损失的情况下，投保人可以向保险公司请求进行特定平均数的调整。

2.The insurance company made an adjustment of particular average to cover the losses incurred during the storm.

保险公司对风暴期间发生的损失进行了特定平均数的调整。

3.The adjustment of particular average is crucial in maritime insurance to determine how much each party will pay.

在海事保险中，特定平均数的调整对于确定每一方将支付多少至关重要。

4.The accountant explained that an adjustment of particular average would be necessary to accurately reflect the financial situation.

会计解释说，进行特定平均数的调整是准确反映财务状况所必需的。

5.After reviewing the claims, the adjuster proposed an adjustment of particular average for the damaged cargo.

在审核索赔后，理赔员提议对受损货物进行特定平均数的调整。

作文

In the world of maritime insurance, the term adjustment of particular average refers to a specific process that addresses partial losses incurred by a ship or cargo during transit. This concept is crucial for ship owners and cargo shippers as it determines how much compensation they can expect in the event of damage or loss. Understanding this term is essential for anyone involved in shipping and logistics, as it plays a significant role in risk management and financial planning.When a vessel encounters unforeseen circumstances such as storms, collisions, or other accidents, the cargo on board may suffer damages. In such cases, the adjustment of particular average comes into play. It is a method used to calculate the extent of the loss and determine the amount payable by the insurer. This adjustment is particularly important because it helps in differentiating between general average and particular average losses.General average refers to losses that are intentionally incurred to save the entire voyage, such as jettisoning cargo to prevent a ship from sinking. On the other hand, particular average pertains to losses that affect only specific items of cargo or parts of the ship. The adjustment of particular average thus focuses on these individual losses, ensuring that the affected parties receive fair compensation without impacting the overall financial stability of the shipping operation.The process of adjustment of particular average typically involves several steps. First, a surveyor is appointed to assess the extent of the damage. This assessment includes examining the cargo, the circumstances surrounding the damage, and any relevant documentation. Once the surveyor completes the evaluation, a report is generated, detailing the findings and providing a basis for the adjustment.Next, the insurer reviews the surveyor's report and calculates the compensation owed to the insured party. This calculation takes into account the value of the damaged goods, the terms of the insurance policy, and any applicable deductibles. The goal is to arrive at a fair settlement that reflects the actual loss suffered by the insured party while adhering to the policy's terms.One of the challenges associated with the adjustment of particular average is the potential for disputes between insurers and policyholders. Disagreements may arise regarding the extent of the damage, the valuation of the lost items, or the interpretation of the policy terms. To mitigate these conflicts, it is advisable for both parties to maintain clear communication and document all relevant information throughout the shipping process.In conclusion, the adjustment of particular average is a vital aspect of maritime insurance that ensures fair compensation for partial losses experienced during transportation. By understanding this term and its implications, stakeholders in the shipping industry can better navigate the complexities of insurance claims and protect their financial interests. As global trade continues to expand, the importance of comprehending such concepts will only grow, making it essential for professionals in the field to stay informed and prepared for any eventualities that may arise during shipping operations.

在海事保险的世界中，术语特定平均损失的调整指的是一个特定的过程，处理运输过程中船只或货物所遭受的部分损失。这个概念对船东和货物发货人至关重要，因为它决定了在损坏或丢失的情况下他们可以期待多少赔偿。理解这个术语对任何参与航运和物流的人来说都是至关重要的，因为它在风险管理和财务规划中发挥着重要作用。当船只遇到意外情况，如风暴、碰撞或其他事故时，船上货物可能会遭受损害。在这种情况下，特定平均损失的调整就发挥了作用。这是一种用于计算损失程度并确定保险公司应支付金额的方法。这种调整尤其重要，因为它有助于区分一般平均损失和特定平均损失。一般平均损失是指为了拯救整个航程而故意产生的损失，例如为了防止船只沉没而抛弃货物。另一方面，特定平均损失涉及仅影响特定货物或船只部分的损失。因此，特定平均损失的调整专注于这些个别损失，确保受影响方获得公平的赔偿，而不会影响整体航运操作的财务稳定性。特定平均损失的调整的过程通常包括几个步骤。首先，任命一名检验员来评估损害的程度。此评估包括检查货物、损害发生的情况以及任何相关文档。一旦检验员完成评估，就会生成一份报告，详细说明发现结果，并为调整提供依据。接下来，保险公司审查检验员的报告，并计算应支付给被保险方的赔偿金。此计算考虑到受损货物的价值、保险政策的条款以及任何适用的免赔额。目标是得出一个公平的结算，反映被保险方实际遭受的损失，同时遵循政策的条款。与特定平均损失的调整相关的一个挑战是保险公司与保单持有人之间可能发生争议。可能会出现关于损害程度、损失物品的估值或政策条款解释的分歧。为了减轻这些冲突，建议双方在整个运输过程中保持清晰的沟通，并记录所有相关信息。总之，特定平均损失的调整是海事保险的一个重要方面，确保在运输过程中遭受的部分损失获得公平的赔偿。通过理解这一术语及其影响，航运行业的利益相关者可以更好地驾驭保险索赔的复杂性，保护他们的财务利益。随着全球贸易的不断扩张，理解此类概念的重要性只会增加，因此该领域的专业人士必须保持信息灵通，并为在运输操作中可能出现的任何意外情况做好准备。