stipulated loss value
约定损失价值
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所以在保险合同无明文约定“实际价值”的计量规则时，应着重考量被保险人对保险标的的使用意图来测算被保险人的实际损失。
Therefore, when the insurance contract doesn't carry a definition of the "actual loss", the focus should be put on the insured's intention of using the subject for measuring the losses.
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