保险基本原理第 350 / 716 题
Which situation best illustrates a physical hazard?
a.An applicant's existing heart condition that increases the chance of a claim
b.The uncertainty about whether a loss will happen at all during the policy term
c.A policyowner who submits an inflated claim after a covered loss occurs
d.A driver who speeds more often because he knows his policy will pay for the damage
解析
A physical hazard is a tangible, measurable condition of the person or property that increases the probability or severity of a loss, such as a pre-existing medical condition. Speeding because coverage exists is a morale hazard (carelessness). Submitting an inflated claim is a moral hazard (dishonesty). Uncertainty about whether a loss will occur is the definition of risk itself, not a hazard. Underwriters focus heavily on physical hazards when classifying applicants.
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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)