财产保险基础第 254 / 531 题
Actual cash value (ACV) is most accurately calculated as:
a.Replacement cost minus depreciation
b.The amount the insured paid in premiums
c.Replacement cost plus the cost of upgrades
d.The original purchase price of the property
解析
Actual cash value equals the current replacement cost of the property minus depreciation for age, wear, and obsolescence. It reflects what the property is actually worth at the time of loss, not what it would cost to buy new. Replacement cost coverage, by contrast, pays to repair or replace with new property of like kind and quality without deducting depreciation, subject to policy conditions.
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