The insured of the Russian special line loses its ownership of the insurance target and cannot be recovered. If the ship is robbed by a pirate, the insurance target still exists, but it is no longer owned by the insured. It is also a form of actual total loss; the cargo ship There is no audio when the disappearance reaches a certain period, and it can also be defined as actual total loss. Introduce, your presumed total loss (constructive total loss) is also called commercial total loss. It refers to the fact that after the cargo encounters the underwriting risk during the sea transportation, although it has not reached the state of complete loss, the Russian special line performs rescue, sorting and The cost of restoring the original condition, or the total cost of the continued shipment to the destination, is estimated to exceed the value of the goods in good condition at the destination. 1. Article 246 of China's 'Maritime Law' stipulates: 'After a ship's insurance accident, the actual total loss is considered inevitable, or the cost to avoid the actual total loss exceeding the insurance value is the estimated total loss.' · ' If a presumed total loss occurs, the insured may request the insurer to compensate for part of the loss, or claim the total loss. If the total loss is required to be paid, the insured must issue a notice of abandonment to the insurer. The so-called abandonment ) Means the insured expresses his willingness to transfer all the rights and obligations of the subject matter of the insurance to the insurer, and requires the insurer to compensate for the total loss. The commission must be accepted by the insurer before it takes effect.