19:11
Nah, the fucked up thing about therapists is they try and make you think your parents are your enemy 99% of the time and really they should be telling you that your parents have almost no effect on the rest of your life. If they can get you to keep focusing on your parents they can keep making money.
Warning
Info
LSDefine
Simple English definitions for legal terms
constructive total loss
Read a random definition: presence of the court
A quick definition of constructive total loss:
Constructive total loss is when something is so badly damaged that it would cost more to fix it than it's worth. For example, if a car is in a really bad accident and it would cost more to repair it than the car is worth, then it's a constructive total loss. This term is often used in insurance and marine underwriting.
A more thorough explanation:
Constructive total loss is a term used in insurance and marine underwriting. It refers to a situation where the cost of repairing a damaged property would exceed its value. In other words, the property is considered a total loss even though it is not completely destroyed.
For example, if a car is damaged in an accident and the cost of repairs is more than the car's value, the insurance company may declare it a constructive total loss and pay the policyholder the car's actual cash value instead of repairing it.
In marine underwriting, constructive total loss is defined as damage to a vessel that would cost more than half of its value to repair. This is because repairing a damaged vessel at sea can be very expensive and time-consuming, and it may not be worth the cost.
Overall, constructive total loss is a way for insurers and underwriters to determine when it is more cost-effective to declare a property a total loss rather than repairing it.