Article249 Where the subject matter insured has become a constructive total loss and the insured demands indemnification from the insurer on the basis of a total loss, the subject matter insured shall be abandoned to the insurer.

• 第二百四十九条保险标的发生推定全损，被保险人要求保险人按照全部损失赔偿的，应当向保险人委付保险标的。