actual total loss; total loss

简明释义

全部损失

英英释义

例句

1.The insurance company declared the vehicle an actual total loss 实际全损 after the accident.

在事故发生后，保险公司宣布该车辆为实际全损 实际全损。

2.In maritime law, a ship can be declared a total loss 全损 if it cannot be recovered.

在海事法中，如果一艘船无法恢复，可以宣布其为全损 全损。

3.If the cost of repairs exceeds the value of the car, it is considered a total loss 全损.

如果修理费用超过了汽车的价值，则被视为全损 全损。

4.After the fire, the building was assessed as an actual total loss 实际全损 by the adjuster.

火灾后，调整员评估该建筑为实际全损 实际全损。

5.The homeowner received compensation for the actual total loss 实际全损 of their property due to flooding.

由于洪水，房主获得了对其财产的实际全损 实际全损的赔偿。

作文

In the world of insurance and maritime law, understanding the terms 'actual total loss' and 'total loss' is crucial for both policyholders and insurers. These terms define the extent of loss suffered by a property or asset, particularly in cases of damage or destruction. To grasp these concepts fully, we must delve deeper into their meanings and implications.'Actual total loss' refers to a situation where an insured item is completely destroyed or lost, leaving no possibility of recovery. This could occur in various scenarios, such as a ship sinking due to a storm or a house burning down in a fire. In such instances, the insured party has suffered a complete loss of the asset, and they are entitled to receive compensation from their insurer. The term emphasizes the finality of the loss, as there is no hope of reclaiming the lost item. On the other hand, 'total loss' can sometimes be used more broadly. It may refer to situations where the cost of repair exceeds the value of the item, leading to the conclusion that it is not economically viable to restore it. While this may also result in a claim being made, it does not strictly mean that the item is irretrievably lost. Therefore, understanding the distinction between these two terms is essential for anyone involved in insurance claims or maritime operations.The implications of these terms extend beyond mere definitions; they affect how claims are processed and compensated. For instance, if a vessel is declared to have suffered an actual total loss (实际全损), the owner can file a claim for the full insured value of the ship. However, if it is deemed a total loss (全损) due to extensive but not complete damage, the compensation may vary based on the remaining value of the asset and the costs of repairs. This difference can significantly impact the financial recovery of the affected party.Moreover, the legal ramifications of these terms can lead to disputes. Insurers may contest a claim by arguing that the loss was not an actual total loss (实际全损) but rather a total loss (全损) that warrants lesser compensation. Such disagreements can prolong the claims process and create additional stress for those involved. It is vital for policyholders to document their losses thoroughly and understand their rights under their insurance policies to navigate these complexities effectively.In conclusion, the terms actual total loss (实际全损) and total loss (全损) are fundamental in the realms of insurance and maritime law. A clear understanding of these concepts not only aids in accurate claim submissions but also empowers individuals and businesses to advocate for their interests when faced with significant losses. As the landscape of risk management continues to evolve, so too will the interpretations and applications of these terms. Therefore, staying informed and educated about such critical terminology is essential for anyone engaged in these fields.