agreed total loss

简明释义

议定全损

英英释义

例句

1.In the event of an agreed total loss, the policyholder can choose to buy back the salvage.

在发生约定全损的情况下，投保人可以选择回购残值。

2.The adjuster confirmed that the damage was severe enough for an agreed total loss declaration.

理赔员确认损坏严重到足以宣布为约定全损。

3.She was relieved when the insurance agent explained the process for handling an agreed total loss.

当保险代理人解释处理约定全损的流程时，她感到松了一口气。

4.After the accident, the insurance company declared the vehicle an agreed total loss.

事故发生后，保险公司宣布该车辆为约定全损。

5.The owner received a settlement check after the car was classified as an agreed total loss.

在汽车被认定为约定全损后，车主收到了赔偿支票。

作文

In the world of insurance and maritime law, the term agreed total loss holds significant importance. It refers to a situation where both the insurer and the insured agree that a particular asset, typically a ship or cargo, has been completely lost and is beyond recovery. This agreement simplifies the claims process, allowing for a swift resolution without the need for extensive investigations or disputes. Understanding the implications of agreed total loss can be crucial for shipowners, insurers, and other stakeholders in the maritime industry.When a vessel sinks or is otherwise rendered irretrievable, the owner must notify their insurance company. The insurer will then assess the situation, taking into account the circumstances surrounding the loss. If both parties concur that the asset is indeed a total loss, they can declare it as such. This declaration is known as agreed total loss, and it signifies that the asset is no longer of any value and cannot be salvaged.The concept of agreed total loss is particularly relevant in cases where the costs associated with recovering the asset exceed its actual value. For instance, if a ship is stranded on a reef and the expenses required to refloat it are exorbitant, the insurer may opt to declare an agreed total loss. This decision benefits both parties as it eliminates the need for further financial outlay and allows the owner to receive compensation promptly.Moreover, the process of declaring an agreed total loss can vary depending on the terms outlined in the insurance policy. Some policies may include specific clauses that dictate how losses are to be assessed and what constitutes a total loss. Therefore, it is essential for shipowners to thoroughly understand their insurance agreements to navigate this process effectively.The ramifications of declaring an agreed total loss extend beyond the immediate financial implications. Once a total loss is agreed upon, the owner relinquishes all rights to the lost asset. This means that any potential salvage operations or recovery efforts are no longer the owner's responsibility. Instead, the insurer assumes control of the situation, which may involve hiring salvage experts to recover any remaining value from the wreck.Additionally, declaring an agreed total loss can impact the future insurability of the vessel or cargo. Insurance companies may view a history of total losses unfavorably, potentially leading to higher premiums or difficulties in obtaining coverage in the future. Therefore, it is imperative for shipowners to maintain accurate records and communicate transparently with their insurers to mitigate these risks.In conclusion, the term agreed total loss is a critical aspect of maritime insurance that reflects a mutual understanding between insurers and insured parties regarding the total loss of an asset. By grasping the nuances of this concept, stakeholders can navigate the complexities of insurance claims more effectively. It not only streamlines the claims process but also establishes clear boundaries regarding ownership and responsibility after a total loss is declared. Ultimately, a well-informed approach to agreed total loss can lead to better outcomes for all parties involved in the maritime industry.

在保险和海事法的世界中，术语agreed total loss具有重要意义。它指的是保险公司和被保险人都同意某一特定资产，通常是船只或货物，已完全丧失且无法恢复的情况。这种协议简化了索赔过程，使得在没有广泛调查或争议的情况下迅速解决问题成为可能。理解agreed total loss的含义对于船东、保险公司和其他海事行业的利益相关者至关重要。当一艘船沉没或以其他方式无法挽回时，船东必须通知他们的保险公司。保险公司将评估情况，考虑与损失相关的情况。如果双方都同意该资产确实是全损，他们可以声明为全损。这一声明被称为agreed total loss，它表明该资产不再有任何价值，无法被打捞。agreed total loss的概念在恢复资产的成本超过其实际价值的情况下尤为相关。例如，如果一艘船搁浅在礁石上，而重新浮起它所需的费用非常高昂，保险公司可能会选择宣布agreed total loss。这一决定对双方都有好处，因为它消除了进一步财务支出的需要，并允许所有者迅速获得赔偿。此外，宣布agreed total loss的过程可能因保险政策中列出的条款而异。一些政策可能包含特定条款，规定如何评估损失以及什么构成全损。因此，船东必须充分了解他们的保险协议，以有效地导航这一过程。宣布agreed total loss的后果超出了即时的财务影响。一旦同意全损，所有者就放弃了对失去资产的所有权利。这意味着任何潜在的打捞操作或恢复努力不再是所有者的责任。相反，保险公司将掌控局面，这可能涉及雇用打捞专家来从残骸中恢复任何剩余价值。此外，宣布agreed total loss可能会影响未来对船只或货物的投保能力。保险公司可能会对全损历史持负面看法，这可能导致更高的保费或在未来获得保险的困难。因此，船东必须保持准确的记录并与其保险公司进行透明沟通，以降低这些风险。总之，术语agreed total loss是海事保险的一个关键方面，反映了保险公司和被保险方之间关于资产全损的共同理解。通过掌握这一概念的细微差别，利益相关者可以更有效地应对保险索赔的复杂性。这不仅简化了索赔过程，还在声明全损后建立了关于所有权和责任的明确界限。最终，对agreed total loss的充分理解可以为海事行业所有相关方带来更好的结果。