total loss

简明释义

全损全损失

英英释义

例句

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

在车祸之后，保险公司宣布这辆车为全损。

2.When the yacht sank, the owner had to accept it as a total loss.

当游艇沉没时，船主不得不接受这是全损。

3.The flood caused so much damage that the cars were considered a total loss.

洪水造成了如此严重的损坏，以至于这些汽车被视为全损。

4.The fire left the building in ruins, and the owner realized it was a total loss.

大火将建筑物烧成废墟，业主意识到这是一场全损。

5.The adjuster inspected the damaged property and concluded it was a total loss.

理赔员检查了受损财产，得出结论认为这是全损。

作文

In the realm of insurance and finance, the term total loss refers to a situation where an asset has been so severely damaged that it is no longer viable or functional. This concept is particularly significant in the context of vehicle accidents, property damage, and other scenarios where the cost of repair exceeds the value of the asset itself. Understanding total loss is crucial for both individuals and businesses, as it can have profound financial implications.For instance, imagine a car accident where the vehicle sustains extensive damage. The insurance company will assess the cost of repairs and compare it to the market value of the car. If the repair costs are greater than the car's value, the insurer may declare it a total loss (完全损失). This means that the car is deemed irreparable, and the owner will receive compensation based on the car's pre-accident value rather than the cost of repairs.This concept extends beyond automobiles to include homes, businesses, and other assets. For homeowners, a natural disaster such as a flood or fire could lead to a total loss of their property. In such cases, the emotional toll can be as significant as the financial one. Losing a home represents not only a physical loss but also a loss of memories and stability. Insurance policies are designed to mitigate these risks, but understanding what constitutes a total loss is essential for policyholders to ensure they are adequately covered.Moreover, the declaration of total loss can also affect future insurance premiums. When an asset is declared a total loss (完全损失), it may signal to insurers that the owner is at a higher risk for future claims. As a result, the individual may face increased premiums or difficulty obtaining coverage for similar assets in the future.Businesses, too, must grapple with the concept of total loss. A company that experiences a catastrophic event, such as a fire that destroys its facilities, may find itself facing a total loss of its physical assets. This can halt operations and lead to significant financial strain. Business interruption insurance can provide some relief, but understanding the nuances of total loss is vital for effective risk management.In summary, the term total loss (完全损失) encapsulates a critical aspect of risk assessment and financial planning. Whether for individuals or businesses, recognizing when an asset has reached this point is essential for making informed decisions about insurance coverage, financial recovery, and future risk mitigation strategies. As we navigate through life’s uncertainties, having a clear understanding of total loss can empower us to protect our assets and make sound financial choices.