Examkin

Soru

Zorluk: KolayPerils and Hazards

Sarah frequently leaves her laptop unattended on a table at a busy coffee shop while she waits in line to order. One afternoon, her laptop is stolen while she is not looking. In insurance terminology, which of the following correctly identifies the peril and the hazard in this situation?

  1. The theft is the peril, and leaving the laptop unattended is a morale hazard.Cevap
  2. B
    Leaving the laptop unattended is the peril, and the theft is a moral hazard.
  3. C
    The theft is the peril, and leaving the laptop unattended is a moral hazard.
  4. D
    Leaving the laptop unattended is a physical hazard, and the theft is a morale hazard.

Cevap

The option stating that the theft is the peril, and leaving the laptop unattended is a morale hazard.
The theft is the actual event that caused the loss, making it the peril. Sarah's carelessness in leaving the laptop unattended is a condition that increased the likelihood of the theft occurring, which perfectly describes a morale hazard.

Adım Adım Çözüm

1
Identify the actual cause of the loss in the scenario.
The laptop was stolen, meaning theft is the direct cause of the loss.
By definition, a peril is the specific cause of a loss.
2
Identify the underlying condition that increased the likelihood of the loss occurring.
Sarah frequently leaving her laptop unattended made the theft much more likely.
By definition, a hazard is a condition that increases the frequency or severity of a loss.
3
Classify the specific type of hazard present.
Leaving the laptop unattended is an act of carelessness or indifference.
Carelessness or indifference to a loss is classified as a morale hazard, distinct from physical hazards (tangible conditions) and moral hazards (intentional dishonesty).

Anahtar Kavram

A peril is the actual cause of a loss, while a hazard is a condition that increases the chance of a loss occurring. Morale hazards specifically refer to carelessness or indifference.
Bu soruyu puanla

Konular

Perils and Hazards

Bu konudan daha fazla soru