without benefit of salvage to the insurer

简明释义

无救助利益

英英释义

例句

1.The insurance policy clearly stated that any claims would be paid without benefit of salvage to the insurer.

保险政策明确指出，任何索赔将会支付，没有给保险公司带来打捞的利益。

2.After the accident, the vehicle was declared a total loss without benefit of salvage to the insurer.

事故后，车辆被宣告为全损，没有给保险公司带来打捞的利益。

3.The cargo was irretrievably lost, resulting in compensation without benefit of salvage to the insurer.

货物无法挽回，导致赔偿，没有给保险公司带来打捞的利益。

4.In the case of total loss, the claim was settled without benefit of salvage to the insurer.

在全损的情况下，索赔被解决，没有给保险公司带来打捞的利益。

5.The ship was lost at sea, and the owner received a payout without benefit of salvage to the insurer.

这艘船在海上失踪，船主获得了赔偿，没有给保险公司带来打捞的利益。

作文

Understanding the complexities of insurance and salvage is crucial for both insurers and policyholders. One important phrase that often arises in discussions about insurance claims is without benefit of salvage to the insurer. This term refers to a situation where an insurer pays out a claim to the policyholder without having the opportunity to recover any value from the salvaged property. In simpler terms, it means that once the insurer compensates the insured for their loss, they cannot reclaim or sell any part of the damaged property to offset their costs. To illustrate this concept, let’s consider a scenario involving a shipping company. Suppose a cargo ship carrying valuable goods encounters a severe storm, resulting in significant damage to the cargo. The shipping company files a claim with their insurer for the loss. If the insurer pays out the claim in full, but later finds that some of the cargo can be salvaged, the phrase without benefit of salvage to the insurer indicates that the insurer has no right to any proceeds from the salvaged items. This creates a unique financial dynamic where the policyholder retains all the benefits of any recovery made from the salvage process. This principle is particularly relevant in marine insurance, where the risks of loss are high, and salvage operations are common. The idea behind without benefit of salvage to the insurer is to encourage policyholders to mitigate their losses and actively participate in salvage efforts. If insurers had the right to claim salvaged items, policyholders might be less inclined to invest time and resources into recovering those items, knowing that the insurer would ultimately benefit from their efforts. Moreover, this phrase also highlights the importance of clearly defined insurance policies. Insurers must communicate the terms and conditions related to salvage rights effectively. Policyholders should understand what they are entitled to in the event of a loss and how salvage operations might affect their claims. Transparency in these matters helps prevent disputes and fosters a better relationship between insurers and their clients. In conclusion, the phrase without benefit of salvage to the insurer encapsulates a critical aspect of insurance law that impacts both the insurer's and the insured's financial responsibilities. By understanding this term, policyholders can navigate the complexities of insurance claims more effectively and ensure they are fully informed about their rights and obligations. It is essential for both parties to engage in open communication and seek clarity on such terms to foster a more cooperative environment when dealing with insurance claims. As the world of insurance continues to evolve, keeping abreast of such terminology will empower individuals and businesses alike to make informed decisions regarding their coverage and claims processes.

理解保险和打捞的复杂性对于保险公司和投保人都至关重要。一个在讨论保险索赔时经常出现的重要短语是没有给保险公司带来打捞利益。这个术语指的是一种情况，保险公司向投保人支付索赔，而没有机会从被打捞的财产中回收任何价值。简单来说，这意味着一旦保险公司向投保人赔偿损失，他们就无法回收或出售任何损坏财产的一部分，以抵消他们的成本。为了说明这一概念，让我们考虑一个涉及航运公司的情景。假设一艘载有贵重货物的货船遇到严重风暴，导致货物遭受重大损失。航运公司向其保险公司提出索赔。如果保险公司全额支付了索赔，但后来发现一些货物可以被打捞，那么短语没有给保险公司带来打捞利益表示保险公司无权获得任何来自打捞物品的收益。这创造了一个独特的财务动态，投保人在打捞过程中保留了所有的恢复利益。这一原则在海洋保险中特别相关，因为损失风险高，打捞作业很常见。没有给保险公司带来打捞利益的背后理念是鼓励投保人减轻损失并积极参与打捞工作。如果保险公司有权索取打捞物品，投保人可能会不太愿意投入时间和资源去恢复那些物品，因为他们知道保险公司最终会从他们的努力中获益。此外，这个短语还强调了清晰定义保险政策的重要性。保险公司必须有效地传达与打捞权利相关的条款和条件。投保人应了解在发生损失时他们的权利，以及打捞作业可能如何影响他们的索赔。透明度在这些问题上有助于防止争议，并促进保险公司与客户之间的良好关系。总之，短语没有给保险公司带来打捞利益概括了保险法的一个关键方面，影响着保险公司和投保人的财务责任。通过理解这个术语，投保人可以更有效地应对保险索赔的复杂性，并确保他们充分了解自己的权利和义务。双方在这些条款上进行开放的沟通并寻求明确性是至关重要的，以促进在处理保险索赔时更具合作性的环境。随着保险领域的不断发展，掌握这样的术语将使个人和企业能够就其保障和索赔流程做出明智的决策。