交通ルール
世界
453. 全損
全損は、損傷車両が修理に適さない、または経済的に修理する価値がないと判断された状態です。修理費が車両価値に対して高すぎる場合は経済的全損、安全な復元が不可能または特別条件を要する場合は技術的全損となることがあります。通常、自動車専門家や保険会社が損傷、修理費、車両価値、残存価値を評価します。定義、補償、修理・処分規則は国や保険契約によって異なります。
What is a total loss?
A total loss means that a damaged vehicle is considered unsuitable or uneconomical to repair because of the extent of the damage, repair cost or applicable technical requirements.
What is an economic total loss?
An economic total loss occurs when repairing the vehicle is no longer financially reasonable compared with its value and, where applicable, its remaining salvage value.
What is a technical total loss?
A technical total loss occurs when the vehicle has suffered such serious structural or other damage that it cannot normally be returned to road use without meeting special technical or legal requirements.
Who decides whether a vehicle is a total loss?
The assessment is commonly made by an automotive expert or insurance company based on the vehicle's condition, value, repair costs and applicable regulations.
Can a total-loss vehicle be repaired?
This depends on the type of total loss and local rules. An economically written-off vehicle may sometimes still be repaired, while a technical total loss may face stricter restrictions or a special approval procedure.
How is compensation for a total-loss vehicle calculated?
The amount depends on the vehicle's value before the damage, salvage value, insurance cover, liability and policy conditions. Different insurance contracts may use different valuation methods.
