【正确答案】General Average refers to a certain special sacrifice and extra expense intentionally incurred for the general interests of the ship-owner, the insurer, and the owners of the various cargoes abroad the ship. This loss is borne by all the parties concerned mentioned above in proportion; while Particular Average means that a partial loss which is suffered by the one whose goods are partly lost or damaged. When there is a particular average loss, other interests in the voyage don't contribute to the partial recovery of the one suffering the loss. The cargo owner whose goods are damaged or lost should refer to his insurance company, if his policy covers the specific type of loss suffered.