total loss

简明释义

全损耗

英英释义

例句

1.The boat sank after hitting a rock, resulting in a total loss for the owner.

船只撞上岩石后沉没，导致船主遭受全损。

2.After the accident, the insurance company declared the car a total loss.

事故发生后，保险公司宣布这辆车为全损。

3.The fire left the building in ruins, and it was deemed a total loss by the assessors.

火灾使建筑物变成废墟，评估人员认为这是全损。

4.When the storm hit, many homes were classified as total loss due to severe damage.

当暴风雨袭来时，许多房屋因严重损坏被归类为全损。

5.The car's extensive damage from the collision made it a total loss according to the insurance policy.

根据保险政策，碰撞造成的广泛损坏使这辆车成为全损。

作文

In the world of insurance and finance, the term total loss refers to a situation where an asset, such as a vehicle or property, is deemed to be beyond repair or recovery. This can occur due to various reasons, including severe damage from accidents, natural disasters, or theft. When a property is classified as a total loss, it means that the cost of repairing the damage exceeds the actual cash value of the asset. Consequently, the insurance company typically compensates the policyholder with the current market value of the item, rather than the replacement cost. Understanding the implications of a total loss is crucial for both consumers and businesses. For individuals, experiencing a total loss can be emotionally and financially devastating. Imagine a family who has just lost their home in a fire. The house, along with all its contents, might be considered a total loss. While insurance may provide some financial relief, the emotional toll of losing a place filled with memories cannot be easily quantified. On the other hand, businesses also face risks associated with total loss. For instance, a company that relies heavily on its fleet of delivery trucks could suffer significant disruptions if one or more of those vehicles are declared a total loss. This not only affects the company's ability to deliver goods but also impacts its financial stability. In such cases, having adequate insurance coverage becomes vital. Companies must assess their risk exposure and ensure they have policies that cover potential total loss situations. Moreover, the concept of total loss extends beyond physical assets. In the realm of investments, a total loss can occur when an investment becomes worthless. For example, if a startup company fails and its shares become worthless, investors may experience a total loss on their initial investment. This highlights the importance of conducting thorough research and due diligence before investing in any venture. In conclusion, the term total loss carries significant weight in both personal and professional contexts. It represents not just a financial setback, but also the emotional and psychological challenges that accompany the loss of valued assets. Understanding what constitutes a total loss can help individuals and businesses make informed decisions about insurance, risk management, and investment strategies. By being aware of the potential for total loss, people can better prepare themselves for unexpected events and mitigate the impact of such losses on their lives and livelihoods.

在保险和金融领域，术语total loss指的是一种情况，即资产（如车辆或财产）被认为无法修复或恢复。这种情况可能由于各种原因而发生，包括事故、自然灾害或盗窃造成的严重损坏。当财产被归类为total loss时，这意味着修复损坏的费用超过了资产的实际现金价值。因此，保险公司通常会以物品的当前市场价值对投保人进行赔偿，而不是替换成本。理解total loss的影响对于消费者和企业都至关重要。对于个人来说，经历total loss可能会带来情感和经济上的巨大打击。想象一下，一个家庭刚刚在火灾中失去了他们的家。房子和所有内容物可能被视为total loss。虽然保险可能提供一些财政上的缓解，但失去一个充满回忆的地方所带来的情感代价是无法轻易量化的。另一方面，企业也面临与total loss相关的风险。例如，一家严重依赖其配送卡车的公司，如果其中一辆或多辆卡车被宣布为total loss，可能会遭受重大干扰。这不仅影响公司的货物交付能力，还会影响其财务稳定性。在这种情况下，拥有足够的保险覆盖至关重要。公司必须评估其风险暴露，并确保他们的政策覆盖潜在的total loss情况。此外，total loss的概念不仅限于实物资产。在投资领域，当一项投资变得毫无价值时，也可能发生total loss。例如，如果一家初创公司失败，其股票变得毫无价值，投资者可能会在其初始投资上经历total loss。这强调了在任何投资之前进行彻底研究和尽职调查的重要性。总之，术语total loss在个人和专业背景中都具有重要意义。它不仅代表财务上的挫折，还伴随着失去有价值资产所带来的情感和心理挑战。了解什么构成total loss可以帮助个人和企业就保险、风险管理和投资策略做出明智的决策。通过意识到total loss的潜在性，人们可以更好地为意外事件做好准备，并减轻此类损失对其生活和生计的影响。