保险基本原理第 223 / 531 题
A roofing contractor with three large liability claims shops hard for coverage while claim-free roofers renew quietly. An underwriter who prices the whole class alike is exposed to:
a.adverse selection, drawing worse risks at an average price
b.moral hazard, since the poor risks may stage their claims
c.a catastrophe exposure, since one storm strikes every roofer
d.the law of large numbers, which levels the results out again
解析
Adverse selection is the tendency of applicants with a higher-than-average chance of loss to seek insurance most eagerly, so a single average price attracts the worst risks and repels the best. Underwriting and classification exist to counter it. Moral hazard is a different problem: dishonesty by an insured who wants a loss to happen, not a pricing distortion in who applies.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- An insurance contract is described as a contract of adhesion. This means:
- A restaurant owner faces the chance that a kitchen fire destroys the building and the chance that a second location earns or loses money. An underwriter will consider only the fire exposure because:
- An insurer that writes 60,000 similar small commercial buildings predicts its yearly fire losses far more closely than one writing 600. The reason is:
- A survey of an older warehouse finds brittle wiring and a blocked exit door. In insurance terms these two conditions are:
- A trucking firm carries a large self-insured retention because minor cargo scuffs happen weekly and each one costs very little. This choice is best described as:
- Which characteristic of a loss exposure makes it hard for a private insurer to insure?
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对