Constructive Total Loss 推定全損

Constructive total loss is a loss short of actual total loss that meets the applicable legal or policy standard for treatment as a total loss, such as damage that is uneconomic to repair.

推定全損是尚未構成實際全損，但符合適用法律或保單標準而可按全損處理的損失，例如已不值得修復的損壞。