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The concept of loss (from the latin sinister) has several uses despite having one detail in common. On one side, it means this, he or she who is predisposed to evil (or even to misfortune) or what is disastrous. It is a kind of habit or malicious trend. A sinister person, for example, can be malicious or perverse: «the general disaster and ordered to execute four prisoners», «Michel is a sinister guy. It always ends up hurting everyone".
Secondly, in the field of law and insurance, an accident is an accident, damage or an injurious act, i.e., that can be compensated by the insurance company. Concerning a contract of insurance, the claim is the concretion of the risk covered and the birth of the benefit of the insurer.
A disaster can be a collision between two vehicles (traffic accident). This is a catastrophic event that results in significant losses. From the time when an accident occurs, insurers are obliged, once the agreement, compensation to the affected areas.
Curiously, in Spanish, Italian and Portuguese, as an adjective, the term concerns the left hand or what is located on the left side. This allows us to learn a little more of its etymology and its derivations. The latin word sinister precisely means 'left'; as the right is associated with the property, what is correct and just, the left is somehow related to what is harmful, bad and negative.