Damages are not designed to punish, but to compensate for the loss sustained.要求损害赔偿金不是为了惩罚，而是为了弥补损失。Insurance companies are trying to recoup their losses by increasing premiums.保险公司正试图通过提高保费来弥补损失。So, what do you suggest we do to make up the lost time?那么，你建议我们如何弥补损失的时间呢？