In marine insurance, a total loss is the eutire destruction or loss, to the insured, of the subject-matter of the policy, by the risks insured against As to the distinction between “actual” and “con- structive” total loss, see infra. In fire insurance, a total loss is the complete destruction of the insured property by fire, so that nothing of value remaius from it; as distinguished from a partial loss, where the property is damaged, but not entirely destroyed.

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