actual total loss

简明释义

实际全部损失，实际全损

英英释义

例句

1.After the accident, the insurance company declared the vehicle an actual total loss 实际全损 and offered a settlement.

事故发生后，保险公司宣布该车辆为实际全损，并提出了赔偿方案。

2.The homeowner was relieved to find out that the fire damage was considered an actual total loss 实际全损, allowing for a full payout from the insurer.

房主得知火灾损失被视为实际全损，这让他松了一口气，因为可以从保险公司获得全额赔偿。

3.When evaluating claims, insurers must determine if the property has suffered an actual total loss 实际全损 or if repairs are feasible.

在评估索赔时，保险公司必须确定财产是否遭受了实际全损，或者是否可以修复。

4.The car was deemed an actual total loss 实际全损 after the collision, meaning it would cost more to repair than its value.

在碰撞后，该车被认为是实际全损，这意味着修理费用将超过其价值。

5.In maritime law, if a ship is sunk, it may be classified as an actual total loss 实际全损 for insurance purposes.

在海事法中，如果一艘船沉没，它可能会被视为保险目的上的实际全损。

作文

In the realm of insurance and risk management, understanding specific terms is crucial for both professionals and clients. One such term that often comes up in discussions about property insurance is actual total loss. This phrase refers to a situation where an insured asset, such as a vehicle or a building, has been completely destroyed or damaged beyond repair. In simpler terms, it means that the item is no longer usable or recoverable, leading to a complete loss of value. For instance, if a house is engulfed in flames and the structure is reduced to ashes, the homeowner experiences an actual total loss of their property.The implications of an actual total loss can be significant for policyholders. When such a loss occurs, the insured individual or business is typically entitled to receive compensation from their insurance company, provided that they have the appropriate coverage in place. This compensation is generally equal to the market value of the lost item at the time of the loss, minus any deductibles that may apply. Therefore, understanding this term is vital for anyone who holds an insurance policy, as it directly affects their financial recovery process after a disaster.Moreover, the concept of actual total loss plays a critical role in determining how insurance claims are processed. Insurers assess the extent of damage to establish whether a loss qualifies as total or partial. A partial loss means that the asset can still be repaired or salvaged, while an actual total loss indicates that there is nothing left to salvage. This distinction is important because it influences the type of claim that the policyholder can file and the amount of compensation they may receive.In addition to property insurance, the term actual total loss is also relevant in marine insurance. For example, if a ship sinks or is damaged beyond repair during a voyage, the owner may claim an actual total loss under their marine insurance policy. This claim would cover the value of the ship and any cargo that was lost at sea. Understanding the nuances of this term can help shipowners navigate the complexities of marine insurance and ensure they are adequately compensated for their losses.Furthermore, the definition of actual total loss can extend beyond physical assets. In some cases, businesses may suffer total losses due to unforeseen events such as natural disasters, which could lead to a complete cessation of operations. In these scenarios, the term highlights the importance of having comprehensive business interruption insurance to safeguard against such catastrophic outcomes.In conclusion, the term actual total loss encapsulates a critical aspect of risk management and insurance. It signifies a complete loss of an asset, triggering the need for compensation under an insurance policy. Whether in the context of property, marine, or business insurance, understanding this term is essential for effective risk assessment and financial planning. By grasping the implications of an actual total loss, individuals and businesses can better prepare themselves for potential risks and ensure they take the necessary steps to protect their assets and livelihoods.

在保险和风险管理领域，理解特定术语对专业人士和客户至关重要。其中一个常常在财产保险讨论中出现的术语是实际全损。这个短语指的是一种情况，即被保险的资产，如车辆或建筑物，已被完全摧毁或损坏到无法修复的程度。简单来说，这意味着该物品不再可用或可恢复，从而导致价值的完全损失。例如，如果一栋房屋被火焰吞噬，结构化为灰烬，房主就经历了他们财产的实际全损。发生实际全损的影响可能对保单持有人具有重要意义。当这种损失发生时，受损个人或企业通常有权根据其保险公司提供的适当保障获得赔偿。因此，这种赔偿通常等于损失物品在损失发生时的市场价值，减去任何可能适用的免赔额。因此，理解这个术语对于任何持有保险单的人来说都是至关重要的，因为它直接影响到灾后财务恢复的过程。此外，实际全损的概念在确定保险索赔的处理方式中也起着关键作用。保险公司评估损坏程度，以确定损失是否符合完全或部分损失的标准。部分损失意味着资产仍然可以修复或抢救，而实际全损则表明没有任何东西可以抢救。这一区别很重要，因为它影响到保单持有人可以提交的索赔类型以及他们可能获得的赔偿金额。除了财产保险外，实际全损一词在海洋保险中也相关。例如，如果一艘船在航行中沉没或严重受损，船主可以根据其海洋保险政策提出实际全损索赔。该索赔将涵盖船只和在海上丢失的任何货物的价值。理解这个术语的细微差别可以帮助船东应对海洋保险的复杂性，并确保他们充分补偿损失。此外，实际全损的定义还可以扩展到超出物理资产的范围。在某些情况下，企业可能因不可预见的事件如自然灾害而遭受完全损失，这可能导致业务完全停止。在这些情况下，该术语强调拥有全面的业务中断保险以保护自己免受此类灾难性后果的重要性。总之，术语实际全损概括了风险管理和保险的一个关键方面。它表示资产的完全损失，触发了根据保险政策获得赔偿的需要。无论是在财产、海洋还是商业保险的背景下，理解这个术语对于有效的风险评估和财务规划至关重要。通过掌握实际全损的含义，个人和企业可以更好地为潜在风险做好准备，并确保采取必要措施来保护他们的资产和生计。