arranged total loss

简明释义

议定全损

英英释义

例句

1.The owner opted for an arranged total loss settlement instead of repairing the car.

车主选择了安排的全损和解，而不是修理汽车。

2.The adjuster determined that the damages amounted to an arranged total loss.

理赔员确定损失金额达到了安排的全损。

3.When a vehicle is deemed an arranged total loss, the owner receives compensation based on its pre-accident value.

当一辆车被认定为安排的全损时，车主将根据事故前的价值获得赔偿。

4.In cases of theft, if the vehicle is not recovered, it may be classified as an arranged total loss.

在盗窃案件中，如果车辆未被找回，可能会被归类为安排的全损。

5.After the accident, the insurance company confirmed the vehicle was an arranged total loss.

事故发生后，保险公司确认该车辆为安排的全损。

作文

In the world of insurance and risk management, the term arranged total loss plays a crucial role in determining the financial implications of an asset's complete destruction or loss. When we talk about arranged total loss, we refer to a situation where an insurance policy has been set up to ensure that the insured party receives compensation for the total value of the asset that has been lost or damaged beyond repair. This concept is particularly relevant in industries such as maritime shipping, aviation, and property insurance, where the stakes can be incredibly high and the potential for loss significant.Understanding arranged total loss requires a basic grasp of how insurance works. When an individual or organization purchases insurance, they are essentially transferring the risk of loss to the insurer. In the case of total loss, the asset in question—be it a ship, an airplane, or a building—has been rendered completely unusable. The arranged aspect signifies that there is a predefined agreement between the insurer and the insured regarding the terms and conditions under which the total loss is recognized and compensated.For example, in maritime shipping, if a vessel encounters severe weather and sinks, the owner may file a claim for arranged total loss. The insurance company will then assess the situation based on the agreed-upon terms in the policy. If all criteria are met, the insurer will compensate the owner for the full value of the ship, minus any deductibles. This arrangement provides peace of mind to the shipowner, knowing that their investment is protected against unforeseen circumstances.The importance of arranged total loss extends beyond just financial compensation. It also has legal implications. In many jurisdictions, the recognition of a total loss can affect ownership rights and the responsibilities of the parties involved. For instance, if an asset is declared a total loss, the insurer may take ownership of the wreckage or salvaged parts, which can further complicate the situation.Moreover, the concept of arranged total loss can influence market behavior. Knowing that there are insurance policies in place that cover total losses can encourage businesses to invest in high-value assets, as they have a safety net should things go awry. This can lead to increased economic activity and innovation, as companies feel more secure in their investments.However, it is essential to note that not all losses are covered under arranged total loss policies. Insurers often include specific exclusions and limitations in their contracts. For example, losses resulting from negligence, fraud, or war may not be compensated. Therefore, it is crucial for policyholders to thoroughly understand their insurance agreements and seek clarity on what constitutes a total loss.In conclusion, arranged total loss is a significant term in the realm of insurance that encapsulates the process of compensating for the complete loss of an asset. It involves complex legal and financial considerations and plays a vital role in risk management strategies across various industries. By understanding this concept, individuals and organizations can better navigate the challenges associated with asset ownership and loss, ultimately leading to more informed decision-making in their business practices.

在保险和风险管理的世界中，短语arranged total loss（安排的完全损失）在确定资产完全毁坏或丢失的财务影响方面发挥着至关重要的作用。当我们谈论arranged total loss时，我们指的是一种情况，即保险政策已设定，以确保被保险方因资产的完全丧失或损坏而获得赔偿。这一概念在海运、航空和财产保险等行业尤为相关，因为这些行业的风险可能极高，潜在的损失也相当可观。理解arranged total loss需要对保险的基本运作有一定的了解。当个人或组织购买保险时，他们实际上是将损失的风险转移给保险公司。在完全损失的情况下，相关资产——无论是船只、飞机还是建筑物——已被完全无法使用。安排的方面意味着在保险公司与被保险人之间就承认和赔偿完全损失的条款和条件达成了预先定义的协议。例如，在海运中，如果一艘船遇到恶劣天气并沉没，船主可以提出arranged total loss的索赔。保险公司将根据保单中的约定条款评估情况。如果所有标准都得到满足，保险公司将向船主赔偿船舶的全部价值，减去任何免赔额。这种安排为船主提供了安心，让他们知道自己的投资在不可预见的情况下得到了保护。arranged total loss的重要性不仅仅体现在财务补偿上。它还具有法律意义。在许多司法管辖区，确认完全损失可能会影响所有权权利和相关各方的责任。例如，如果某项资产被宣布为完全损失，保险公司可能会获得残骸或打捞部分的所有权，这可能进一步复杂化情况。此外，arranged total loss的概念还可能影响市场行为。知道有保险政策覆盖完全损失可能会鼓励企业投资于高价值资产，因为如果出现问题，他们有安全网。这可能导致经济活动和创新的增加，因为公司在投资时感到更安全。然而，值得注意的是，并非所有损失都包含在arranged total loss政策中。保险公司通常在合同中包括特定的排除条款和限制。例如，由于疏忽、欺诈或战争造成的损失可能不予赔偿。因此，被保险人必须彻底理解其保险协议，并明确何种情况构成完全损失。总之，arranged total loss是保险领域中的一个重要术语，概括了对资产完全损失进行赔偿的过程。它涉及复杂的法律和财务考虑，并在各行业的风险管理策略中发挥着重要作用。通过理解这一概念，个人和组织可以更好地应对与资产所有权和损失相关的挑战，最终在商业实践中做出更明智的决策。