actual cash value

简明释义

实际现金价值

英英释义

例句

1.The actual cash value 实际现金价值 of electronics can decrease rapidly within the first year of purchase.

电子产品的实际现金价值 actual cash value可能在购买后的第一年内迅速下降。

2.In the event of a loss, insurance companies often calculate the actual cash value 实际现金价值 of the damaged property to settle claims.

在发生损失时，保险公司通常会计算受损财产的实际现金价值 actual cash value以解决索赔。

3.When renting out property, landlords should consider the actual cash value 实际现金价值 of their assets for insurance purposes.

在出租物业时，房东应考虑其资产的实际现金价值 actual cash value以便投保。

4.When filing an insurance claim for my car, the adjuster assessed the actual cash value 实际现金价值 of the vehicle to determine how much I would be compensated.

在为我的汽车提交保险索赔时，评估员评估了车辆的实际现金价值 actual cash value以确定我将获得多少赔偿。

5.The homeowner was surprised to learn that the actual cash value 实际现金价值 of her home was lower than she expected due to depreciation.

房主惊讶地得知，由于折旧，她的房屋的实际现金价值 actual cash value低于预期。

作文

Understanding the concept of actual cash value is essential for anyone dealing with insurance claims, property assessments, or financial evaluations. The term refers to the value of an asset at the time it is damaged or destroyed, taking into account depreciation and market conditions. Unlike replacement cost, which considers the amount needed to replace an item with a new one, actual cash value provides a more realistic assessment of what an item is worth after accounting for wear and tear.For instance, consider a homeowner who has a roof that was damaged by a storm. If the roof was originally worth $20,000, but it has been in use for ten years, its actual cash value might be significantly lower due to depreciation. Insurance companies often use this method to determine how much they will pay out on a claim. In this case, the insurer would assess the roof's current value, factoring in its age and condition, rather than simply reimbursing the homeowner for the full replacement cost.The calculation of actual cash value can vary based on different factors. One common method used is the replacement cost minus depreciation formula. This means that the insurer will look at how much it would cost to replace the item and then subtract the depreciation amount based on its age and condition. This approach ensures that the insured party receives a fair payment that reflects the true value of their asset without overcompensating them.Moreover, the importance of understanding actual cash value extends beyond just insurance claims. For individuals looking to sell their property or assets, knowing the actual cash value can help set a realistic price. It allows sellers to gauge how much they should ask for their items in the current market, ensuring they do not undervalue or overprice their possessions.In real estate transactions, appraisers often use the concept of actual cash value to provide buyers and sellers with an accurate assessment of a property's worth. This is crucial for both parties to ensure a fair transaction takes place. Additionally, lenders may require an appraisal based on actual cash value before approving a mortgage, as it helps them understand the risk involved in lending money against the property.In conclusion, the term actual cash value is a significant financial concept that plays a critical role in various aspects of property ownership, insurance, and sales. Understanding how it is calculated and applied can empower individuals to make informed decisions regarding their assets. Whether you are filing an insurance claim, selling a property, or purchasing a new home, knowing the actual cash value of your assets can lead to better financial outcomes and a clearer understanding of your investments.

理解实际现金价值这一概念对于任何处理保险索赔、财产评估或财务评估的人来说都是至关重要的。该术语指的是资产在受损或被毁时的价值，考虑了折旧和市场条件。与替代成本不同，替代成本考虑的是用新物品替换物品所需的金额，而实际现金价值则提供了更现实的评估，反映了考虑到磨损和撕裂后物品的价值。例如，考虑一个房主的屋顶因暴风雨受损。如果屋顶最初价值为20,000美元，但已经使用了十年，则其实际现金价值可能由于折旧而显著降低。保险公司通常使用这种方法来确定他们将在索赔中支付多少。在这种情况下，保险公司将评估屋顶的当前价值，考虑到其年龄和状况，而不是简单地补偿房主全额替换成本。计算实际现金价值可能会根据不同因素而有所不同。一种常用的方法是替代成本减去折旧公式。这意味着保险公司将查看替换该项目的费用，然后根据其年龄和状况减去折旧金额。这种方法确保被保险方获得反映其资产真实价值的公平付款，而不会过度补偿他们。此外，理解实际现金价值的重要性不仅仅局限于保险索赔。对于希望出售其财产或资产的个人来说，了解实际现金价值可以帮助设定合理的价格。它使卖家能够评估在当前市场中应为其物品要求多少，从而确保他们不会低估或高估自己的财产。在房地产交易中，评估师通常使用实际现金价值的概念为买卖双方提供准确的物业价值评估。这对于双方确保公平交易至关重要。此外，贷方可能会在批准抵押贷款之前要求基于实际现金价值的评估，因为这有助于他们了解在财产上借款的风险。总之，实际现金价值这一术语是一个重要的财务概念，在财产所有权、保险和销售的各个方面都发挥着关键作用。了解其计算和应用方式可以使个人在处理资产时做出明智的决策。无论您是在提交保险索赔、出售财产还是购买新房，了解您的资产的实际现金价值都可以带来更好的财务结果，并更清晰地了解您的投资。