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totality of the circumstances test

totality-of-the-circumstances test. Criminal procedure. A standard for determining whether hearsay (such as an informant’s tip) is sufficiently reliable to establish probable cause for an arrest or search warrant. • Under this test — which replaced Aguilar–Spinelli’s two-pronged approach — the reliability of the hearsay is weighed by focusing on the entire situation as described in

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total loss

The complete destruction of insured property so that nothing of value remains and the subject matter no longer exists in its original form. • Generally, a loss is total if, after the damage occurs, no substantial remnant remains standing that a reasonably prudent uninsured owner, desiring to rebuild, would use as a basis to restore

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