presumed total loss

简明释义

推定全损

英英释义

例句

1.After the hurricane, many boats were declared presumed total loss due to extensive damage.

在飓风过后，许多船只因严重损坏而被宣布为推定全损。

2.The fire left the building in ruins, leading to a declaration of presumed total loss by the property owner.

火灾将建筑物夷为平地，导致业主宣布为推定全损。

3.In maritime law, if a vessel is missing for a certain period, it may be classified as presumed total loss.

在海事法中，如果一艘船在一定时间内失踪，它可能被归类为推定全损。

4.The insurance company assessed the damaged cargo and decided it was a presumed total loss.

保险公司评估了受损货物，决定这是一项推定全损。

5.Following the accident, the car was deemed a presumed total loss by the insurance adjuster.

事故发生后，保险理赔员认为这辆车是推定全损。

作文

In the world of insurance and maritime law, the term presumed total loss holds significant importance. It refers to a situation where an insured asset, such as a ship or cargo, is considered to be completely lost or destroyed when there is no reasonable hope of recovery. This concept is crucial for both insurers and insured parties, as it determines the financial responsibilities and claims processes that follow a loss event.When a vessel goes missing at sea or suffers catastrophic damage, the owner may file a claim with their insurance provider. The insurer must then assess the situation to determine whether the asset can be salvaged or if it should be classified as a presumed total loss (即“推定全损”) due to the circumstances surrounding the incident. Factors such as the duration of the absence, the nature of the peril faced, and the costs involved in recovery efforts are all taken into account during this assessment.For example, consider a scenario where a cargo ship encounters a severe storm and goes off the radar for several days. If search and rescue operations fail to locate the vessel, the shipowner may seek to declare a presumed total loss (即“推定全损”). This declaration allows the owner to receive compensation from the insurance company, which helps mitigate the financial impact of losing the ship and its cargo.On the other hand, declaring a presumed total loss (即“推定全损”) is not a decision made lightly. Insurers must conduct thorough investigations to ensure that the classification is justified. They analyze all available evidence, including weather reports, communication logs, and witness testimonies. If there is any possibility that the asset could be recovered, the insurer might opt to wait before making a final determination.The implications of a presumed total loss (即“推定全损”) extend beyond just the immediate financial aspects. It can also affect future insurance premiums, the market value of similar assets, and even the reputation of the shipping company involved. A history of frequent losses may lead insurers to increase premiums or impose stricter conditions on coverage, which can place additional burdens on businesses operating in high-risk environments.Moreover, the legal ramifications of a presumed total loss (即“推定全损”) can be complex. In some jurisdictions, specific laws govern how such losses are handled, including the rights of creditors and the processes for settling claims. Understanding these legal frameworks is essential for both shipowners and insurers to navigate the aftermath of a loss event effectively.In conclusion, the term presumed total loss (即“推定全损”) encapsulates a critical aspect of maritime insurance and risk management. It signifies a point at which an asset is deemed irretrievable, allowing for the initiation of compensation processes. Both insurers and insured parties must approach this classification with careful consideration, as it carries significant financial and legal consequences. By understanding the nuances of presumed total loss (即“推定全损”), stakeholders can better prepare for the challenges that arise in the unpredictable world of maritime operations.

在保险和海事法的世界中，术语presumed total loss（即“推定全损”）具有重要意义。它指的是一种情况，其中被保险资产，例如船只或货物，被认为是完全丢失或毁坏的，当没有合理的希望能够恢复时。这个概念对保险公司和被保险方都至关重要，因为它决定了随之而来的财务责任和索赔流程。当一艘船在海上失踪或遭受严重损坏时，船主可能会向其保险提供者提交索赔。保险公司必须评估情况，以确定该资产是否可以被打捞，或者是否应由于事件的情况而被归类为presumed total loss（即“推定全损”）。在此评估过程中，会考虑缺席的时间、所面临的危险性质以及恢复工作的成本等因素。例如，考虑一个场景，一艘货船遇到严重风暴，几天内失去信号。如果搜救行动未能找到该船，船东可能会寻求宣布presumed total loss（即“推定全损”）。这一声明使船东能够从保险公司获得赔偿，帮助减轻失去船只及其货物的财务影响。另一方面，宣布presumed total loss（即“推定全损”）并不是轻易做出的决定。保险公司必须进行彻底调查，以确保这一分类是合理的。他们分析所有可用证据，包括天气报告、通信记录和证人证言。如果有任何可能性表明该资产可以被恢复，保险公司可能会选择等待，而不是做出最终决定。presumed total loss（即“推定全损”）的影响不仅限于直接的财务方面。它还可能影响未来的保险费、类似资产的市场价值，甚至影响涉及的航运公司的声誉。频繁的损失历史可能导致保险公司提高保费或对承保条件施加更严格的限制，这可能给在高风险环境中运营的企业带来额外负担。此外，presumed total loss（即“推定全损”）的法律后果可能很复杂。在某些司法管辖区，特定法律规定了如何处理此类损失，包括债权人的权利和索赔结算的程序。理解这些法律框架对于船东和保险公司在有效应对损失事件的后果中至关重要。总之，术语presumed total loss（即“推定全损”）概括了海事保险和风险管理的一个关键方面。它标志着一个资产被视为无法挽回的时刻，从而允许启动赔偿程序。保险公司和被保险方必须谨慎对待这一分类，因为它带来了重大的财务和法律后果。通过理解presumed total loss（即“推定全损”）的细微差别，利益相关者可以更好地为在不可预测的海事运营世界中出现的挑战做好准备。