约定价值保单 Agreed Value Policy

关键定义 KEY DEFINITION

Agreed Value Policy（约定价值保单）在 policy inception 时 Insurer 与 Insured 约定 property 或 vehicle 的 total loss 赔付金额，claim 时无需 dispute valuation。Classic Car、Fine Art 和 Specialty Equipment 常用——Standard ACV settlement 可能 underpay unique assets。Renewal 时需 renegotiate agreed value。