absolute total loss

简明释义

绝对总亏损

英英释义

例句

1.Due to extensive damage from flooding, the home was assessed as an absolute total loss.

由于洪水造成的广泛损坏，这所房屋被评估为绝对全损。

2.The fire left the warehouse in such a state that it was deemed an absolute total loss.

火灾使仓库的状态如此糟糕，以至于被认为是绝对全损。

3.After the hurricane, the insurance company declared the property an absolute total loss.

在飓风过后，保险公司宣布该财产为绝对全损。

4.The car was involved in a serious accident and was considered an absolute total loss by the insurer.

这辆车发生了严重事故，保险公司认为它是绝对全损。

5.When the ship sank, the cargo was classified as an absolute total loss.

当船沉没时，货物被归类为绝对全损。

作文

In the world of insurance and finance, the term absolute total loss refers to a situation where an asset is completely destroyed or rendered unusable, leaving no possibility for recovery or repair. This concept is particularly relevant in the context of property insurance, where policyholders seek compensation for their losses. A clear understanding of absolute total loss is essential for both insurers and insured individuals to navigate the complexities of claims and coverage. Consider a scenario where a homeowner experiences a devastating fire that engulfs their house, leaving nothing but ashes. In this case, the homeowner would likely file a claim with their insurance company, asserting that they have suffered an absolute total loss. The insurance adjuster would then assess the damage, confirming that the property is beyond repair and that the homeowner has indeed experienced an absolute total loss. This determination is crucial, as it dictates the amount of compensation the homeowner is entitled to receive.The implications of an absolute total loss extend beyond just the financial aspect. For many individuals, their homes represent not only a significant investment but also a place filled with memories and personal belongings. The emotional toll of experiencing an absolute total loss can be profound, as individuals grapple with the reality of losing their home and all its contents. This emotional impact highlights the importance of having adequate insurance coverage to protect against such catastrophic events.Moreover, the concept of absolute total loss can also apply to vehicles. Imagine a car accident where the vehicle is completely destroyed beyond repair. The owner would then face the reality of an absolute total loss, prompting them to file a claim with their auto insurance provider. The insurer would evaluate the extent of the damage and confirm that the vehicle cannot be salvaged, leading to a settlement based on the car's pre-accident value.It is important to note that not all losses qualify as an absolute total loss. In some cases, items may be damaged but still repairable. This distinction is critical in the insurance industry, as it affects how claims are processed and how much compensation is awarded. Insurers often have specific criteria to determine whether a loss qualifies as absolute total loss, which may include factors such as the cost of repairs exceeding the item's value or the item being deemed unsafe for use.In conclusion, the term absolute total loss encapsulates a significant concept in the realms of insurance and finance. It signifies a complete loss of an asset, whether it be property or a vehicle, leaving no room for recovery. Understanding this term is vital for individuals to ensure they are adequately protected against unforeseen circumstances. As we navigate through life, being aware of the potential for absolute total loss can help us make informed decisions about our insurance needs and financial planning, ultimately providing peace of mind in an unpredictable world.

在保险和金融的世界中，术语绝对全损指的是一种情况，其中资产被完全摧毁或无法使用，无法恢复或修复。这一概念在财产保险的背景下尤为相关，投保人寻求对其损失的赔偿。对绝对全损的清晰理解对保险公司和被保险个人来说都是至关重要的，以便在索赔和保障的复杂性中进行导航。考虑一个情景，一个房主经历了一场毁灭性的火灾，房子被大火吞噬，只留下灰烬。在这种情况下，房主可能会向保险公司提出索赔，声称他们遭受了绝对全损。保险理算员随后将评估损失，确认该财产无法修复，房主确实经历了绝对全损。这一决定至关重要，因为它决定了房主有权获得的赔偿金额。绝对全损的影响不仅限于财务方面。对许多人来说，他们的家不仅代表着重大投资，还充满了回忆和个人物品。经历绝对全损的情感代价可能是深远的，因为个人要面对失去家园和所有财物的现实。这种情感影响突显了拥有足够保险保障以防范此类灾难性事件的重要性。此外，绝对全损的概念也可以适用于车辆。想象一下，一场车祸使汽车完全被摧毁，无法修复。车主将面临绝对全损的现实，促使他们向汽车保险公司提出索赔。保险公司将评估损坏程度，确认车辆无法挽救，从而导致根据事故前价值进行的和解。需要注意的是，并非所有损失都符合绝对全损的标准。在某些情况下，物品可能受损但仍可修复。这一区别在保险行业中至关重要，因为它影响索赔的处理方式以及赔偿金额的授予。保险公司通常有特定的标准来确定损失是否符合绝对全损的条件，这可能包括修复费用超过物品价值或物品被认为不安全使用等因素。总之，术语绝对全损在保险和金融领域中概括了一个重要的概念。它表示资产的完全损失，无论是财产还是车辆，留无恢复的余地。理解这个术语对于个人确保在不可预见情况下得到充分保护至关重要。当我们在生活中前行时，意识到绝对全损的潜在可能性可以帮助我们做出明智的保险需求和财务规划决策，最终在不可预测的世界中提供内心的平静。