During a claims investigation for a commercial automotive garage, the adjuster discovers several critical facts: the business owner had submitted fabricated maintenance records to the insurer to secure a premium discount, the mechanics routinely leave highly flammable oil spills uncleaned on the shop floor for days, and the building's aging electrical wiring lacks modern grounding. Last week, an electrical short circuit ignited the oil, starting a fire that consumed the garage. Based on risk management principles, which of the following correctly identifies the peril and categorizes the underlying hazards in this scenario?
- The fire is the peril; the fabricated records are a moral hazard; the uncleaned oil spills are a morale hazard; and the aging wiring is a physical hazard.Cevap
- BThe fire is a physical hazard; the short circuit is the peril; the fabricated records are a moral hazard; and the uncleaned oil spills are a physical hazard.
- CThe fire is the peril; the fabricated records are a morale hazard; the uncleaned oil spills are a physical hazard; and the aging wiring is a moral hazard.
- DThe uncleaned oil spills are the peril; the fire is a physical hazard; the fabricated records are a moral hazard; and the aging wiring is a morale hazard.
Cevap
The option stating that the fire is the peril, the fabricated records are a moral hazard, the uncleaned oil spills are a morale hazard, and the aging wiring is a physical hazard.
The correct answer accurately identifies the fire as the active cause of the loss (peril). It also correctly categorizes the business owner's dishonesty in submitting fabricated records as a moral hazard, the mechanics' carelessness in leaving oil spills as a morale hazard, and the tangible condition of the aging wiring as a physical hazard.
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Anahtar Kavram
Distinguishing between Perils (causes of loss) and Types of Hazards (conditions increasing loss)