adjustment of loss

简明释义

损失理算 ［保险］

英英释义

例句

1.An adjustment of loss was necessary due to the unexpected decline in market value.

由于市场价值意外下降，进行损失调整是必要的。

2.The finance team is responsible for the adjustment of loss at the end of each fiscal year.

财务团队负责每个财政年度末的损失调整。

3.The accountant made an adjustment of loss to reflect the recent inventory write-down.

会计进行了损失调整以反映最近的库存减记。

4.After reviewing the financial statements, the auditor suggested an adjustment of loss for the uncollectible accounts receivable.

在审查财务报表后，审计师建议对无法收回的应收账款进行损失调整。

5.The insurance company processed the adjustment of loss after assessing the damage from the fire.

保险公司在评估火灾造成的损失后处理了损失调整。

作文

In the world of finance and insurance, the term adjustment of loss refers to the process of evaluating and determining the amount of loss that a policyholder has suffered and the corresponding compensation that should be provided by the insurer. This process is crucial for both parties involved, as it ensures that the insured receives fair compensation for their losses while also protecting the financial interests of the insurance company. Understanding the nuances of adjustment of loss can help individuals navigate the often complex landscape of insurance claims and recoveries.When a loss occurs, whether it be due to natural disasters, accidents, or other unforeseen circumstances, the first step for the insured is to report the incident to their insurance provider. This initiates the claims process, where the insurer assigns an adjuster to assess the situation. The role of the adjuster is pivotal; they must investigate the claim, gather evidence, and evaluate the extent of the damage. This includes reviewing photographs, interviewing witnesses, and sometimes consulting with experts in relevant fields.The adjustment of loss process involves several key elements. First, the adjuster will determine the cause of the loss. Understanding whether the loss was due to a covered peril under the insurance policy is essential. For instance, if a homeowner’s property was damaged by a flood, the adjuster must confirm whether the homeowner had flood insurance, as many standard policies do not cover flood damage.Next, the adjuster will assess the value of the loss. This involves calculating the cost of repairs or replacements needed to restore the property to its pre-loss condition. The adjuster may use various methods, including comparing similar properties or utilizing industry-standard valuation tools. Accurate valuation is crucial because it directly impacts the compensation amount offered to the policyholder.Once the evaluation is complete, the adjuster will prepare a report detailing their findings and recommendations. This report is submitted to the insurance company, which will then make a decision regarding the claim. If the claim is approved, the insurer will issue a payment based on the adjuster’s assessment. However, if there are disputes regarding the findings, the policyholder may need to negotiate further or appeal the decision.The adjustment of loss process can be stressful for policyholders, especially during difficult times following a loss. Therefore, it is important for individuals to be proactive in understanding their insurance policies and the claims process. Keeping detailed records of possessions, taking photos of valuable items, and maintaining open communication with the insurance provider can significantly ease the adjustment process.Moreover, it is beneficial for policyholders to familiarize themselves with their rights during the claims process. In many jurisdictions, insurance companies are required to act in good faith and provide timely responses to claims. If a policyholder feels that their claim has been unfairly handled, they have the right to seek legal advice or file a complaint with the relevant regulatory authority.In conclusion, the adjustment of loss is a critical component of the insurance industry, serving to protect both the insured and the insurer. By understanding this process, policyholders can better prepare themselves for potential losses and ensure they receive the compensation they deserve. As we navigate through life, being informed about how to handle losses effectively can provide peace of mind and financial security during challenging times.

在金融和保险领域，术语损失调整指的是评估和确定投保人遭受的损失金额以及保险公司应提供的相应赔偿的过程。这个过程对于双方都至关重要，因为它确保被保险人获得公正的赔偿，同时也保护了保险公司的财务利益。理解损失调整的细微差别可以帮助个人在复杂的保险索赔和恢复环境中导航。当发生损失时，无论是由于自然灾害、事故还是其他不可预见的情况，被保险人的第一步是向他们的保险提供者报告事件。这启动了索赔过程，保险公司会指派一名理算师来评估情况。理算师的角色至关重要；他们必须调查索赔，收集证据并评估损失的程度。这包括审查照片、采访证人，有时还需要咨询相关领域的专家。损失调整过程涉及几个关键要素。首先，理算师将确定损失的原因。了解损失是否由于保险政策下的承保风险是至关重要的。例如，如果房主的财产因洪水而受损，理算师必须确认房主是否有洪水保险，因为许多标准政策不涵盖洪水损害。接下来，理算师将评估损失的价值。这涉及计算修复或更换所需的费用，以使财产恢复到损失前的状态。理算师可能会使用各种方法，包括比较类似的财产或利用行业标准的估值工具。准确的估值至关重要，因为它直接影响到提供给投保人的赔偿金额。一旦评估完成，理算师将准备一份详细报告，列出他们的发现和建议。这份报告提交给保险公司，保险公司随后将对索赔作出决定。如果索赔获得批准，保险公司将根据理算师的评估发放付款。然而，如果对发现有争议，投保人可能需要进一步谈判或提出上诉。损失调整过程可能对投保人造成压力，尤其是在经历损失后的困难时期。因此，个人了解他们的保险政策和索赔过程是非常重要的。保持详细的财物记录、拍摄贵重物品的照片以及与保险提供者保持开放的沟通，可以显著减轻调整过程。此外，投保人熟悉自己在索赔过程中的权利也是有益的。在许多法域，保险公司有责任以诚信行事，并及时对索赔作出回应。如果投保人觉得他们的索赔处理不公，他们有权寻求法律建议或向相关监管机构提出投诉。总之，损失调整是保险行业的一个关键组成部分，旨在保护被保险人和保险公司。通过理解这一过程，投保人可以更好地为潜在损失做好准备，并确保他们获得应得的赔偿。在我们的人生旅途中，了解如何有效处理损失可以在困难时期提供内心的平静和财务安全。