actual cash value

简明释义

实际现金价值

英英释义

例句

1.After the flood, the actual cash value 实际现金价值 of the furniture in the house was assessed for the insurance payout.

洪水过后，房屋内家具的实际现金价值 actual cash value 被评估以便进行保险赔付。

2.The insurance adjuster determined that the actual cash value 实际现金价值 of the stolen vehicle was significantly less than its original price.

保险理算员确定被盗车辆的实际现金价值 actual cash value 远低于其原始价格。

3.Homeowners often underestimate the actual cash value 实际现金价值 of their belongings when purchasing insurance.

在购买保险时，房主往往低估他们财物的实际现金价值 actual cash value 。

4.To get a fair settlement, you should provide documentation supporting the actual cash value 实际现金价值 of your items.

为了获得公平的和解，您应提供支持您物品的实际现金价值 actual cash value 的文件。

5.When filing an insurance claim, it's important to know the actual cash value 实际现金价值 of your damaged property.

在提交保险索赔时，了解您损坏财产的实际现金价值 actual cash value 是很重要的。

作文

In today's world, understanding financial terms is essential for making informed decisions, especially when it comes to insurance and property valuation. One such term that often arises in discussions about property insurance is actual cash value. The concept of actual cash value refers to the amount of money that an insured item is worth at the time of loss or damage, taking into account depreciation. This means that instead of receiving the full replacement cost of an item, the policyholder may only receive what the item is currently worth after accounting for wear and tear over time.To illustrate this concept, let's consider a scenario involving a homeowner who has a roof that was damaged during a storm. If the roof was originally installed ten years ago and has experienced significant wear and tear, the actual cash value of the roof would be less than the cost to replace it with a new one. Insurance policies typically use the actual cash value calculation to determine the payout amount for claims. Therefore, it is crucial for homeowners to understand how this valuation method affects their potential compensation in the event of a loss.Another important aspect of actual cash value is its distinction from replacement cost. Replacement cost is the amount it would take to replace an item with a new one of similar kind and quality, without factoring in depreciation. This difference can lead to significant variations in the compensation amount received by the policyholder. For instance, if a homeowner's television set, which originally cost $1,000, is damaged and has depreciated to a value of $600, the actual cash value would be $600. However, if the policy covers replacement cost, the homeowner would receive $1,000 to purchase a new television.Understanding actual cash value is particularly important when evaluating insurance coverage options. Homeowners should carefully review their policies to determine whether they are covered for actual cash value or replacement cost. This knowledge can help them make better choices regarding their insurance needs and ensure they are adequately protected against potential losses.Moreover, the concept of actual cash value extends beyond just homeowners' insurance. It is relevant in various areas, including auto insurance and business property insurance. For example, if a vehicle is involved in an accident and is deemed a total loss, the insurance company will assess the actual cash value of the car at the time of the accident to determine the payout amount. Similarly, businesses that suffer property damage must understand how actual cash value will affect their claims and recovery process.In conclusion, grasping the concept of actual cash value is vital for anyone looking to navigate the complexities of insurance and property valuation. By understanding how this term impacts insurance payouts, policyholders can make informed decisions about their coverage and ensure they are adequately compensated in the event of a loss. Whether you are a homeowner, a car owner, or a business operator, being aware of the implications of actual cash value can significantly influence your financial well-being and preparedness for unexpected events.

在当今世界，理解金融术语对于做出明智的决策至关重要，尤其是在保险和财产估值方面。一个常常出现在财产保险讨论中的术语是实际现金价值。实际现金价值的概念是指在损失或损坏发生时，受保物品的价值，考虑到折旧。这意味着，投保人可能只会收到物品在损坏时的当前价值，而不是全额替换成本，这个价值已经考虑了随时间推移的磨损和老化。为了说明这一概念，让我们考虑一个涉及房主的场景，该房主的屋顶在风暴中受损。如果屋顶是在十年前安装的，并且经历了显著的磨损，那么屋顶的实际现金价值将低于用新屋顶替换它的成本。保险政策通常使用实际现金价值计算来确定索赔的赔付金额。因此，房主了解这种估值方法如何影响他们在损失事件中可能获得的赔偿是至关重要的。实际现金价值的另一个重要方面是它与替换成本的区别。替换成本是指用类似种类和质量的新物品替换物品所需的金额，不考虑折旧。这种差异可能导致投保人收到的赔偿金额有显著变化。例如，如果房主的电视机原本花费1000美元，损坏后贬值到600美元，那么实际现金价值将是600美元。然而，如果保单涵盖替换成本，房主将收到1000美元来购买一台新电视。理解实际现金价值在评估保险覆盖选项时尤为重要。房主应仔细审查他们的保单，以确定他们是以实际现金价值还是替换成本进行覆盖。这一知识可以帮助他们更好地选择保险需求，确保在潜在损失面前得到充分保护。此外，实际现金价值的概念不仅限于房主保险。它在汽车保险和商业财产保险等多个领域也相关。例如，如果一辆汽车发生事故并被认定为全损，保险公司将评估事故发生时汽车的实际现金价值以确定赔付金额。同样，遭受财产损失的企业必须理解实际现金价值将如何影响他们的索赔和恢复过程。总之，掌握实际现金价值的概念对于任何希望驾驭保险和财产估值复杂性的人来说都是至关重要的。通过理解这个术语如何影响保险赔付，投保人可以对其覆盖范围做出明智的决策，确保在发生损失时得到充分的赔偿。无论您是房主、车主还是企业经营者，了解实际现金价值的含义都可以显著影响您的财务健康和应对意外事件的准备程度。