In the case of constructive total loss,the insured may apply to the insurer for compensation according to partial loss or constructive total loss.In case of the latter,the insured shall submit to the insurance company the notice of abandonment.In this way,the insurer passes all the title to the subject matter to the insurer willingly,and applies to the insurer for compensation according to the total loss.请帮忙翻译这段话,