Hi i need full explaination this problems

8. A shipper obtains a marine policy covering the shipment of textiles from China to Poland. The declared value of the shipment was $15,000 although the real (market) value of the merchandise was $7,500. If the goods are lost at sea, is the insurance company liable for $15,000?

9. How does actual total loss differ from constructive total loss? What is the general average loss? You receive compensation from a marine insurance company because your goods were jettisoned from a ship as a general average act. Does the insurance company have a claim for the general average against the shipowner and the other cargo owners?