Examkin

Soru

Zorluk: OrtaPerils and Hazards

A delivery company's fleet manager discovers that drivers routinely leave their vans running and unlocked while making quick drop-offs to save time. The drivers justify this careless practice by assuming the company's comprehensive auto policy will fully cover any resulting loss. A week later, an opportunist notices a running van and steals it from a residential driveway. Based on foundational risk principles, which of the following correctly classifies the risk components in this scenario?

  1. The peril is the theft of the van, and the drivers' indifference to security creates a morale hazard.Cevap
  2. B
    The peril is leaving the van unlocked, and the subsequent theft by the opportunist represents the hazard.
  3. C
    The peril is the theft of the van, and the intentional act of leaving the vehicles running creates a moral hazard.
  4. D
    The peril is the financial loss to the delivery company, and the running engine creates a physical hazard.

Cevap

The peril is the theft of the van, and the drivers' indifference to security creates a morale hazard.
The correct answer accurately applies foundational risk concepts. A peril is the active cause of a loss, which in this scenario is the theft of the vehicle. A hazard is a condition that increases the likelihood of a peril occurring. The drivers' careless behavior and indifferent attitude toward security—specifically justified by their reliance on insurance coverage—perfectly defines a morale hazard.

Adım Adım Çözüm

1
Identify the active cause of the loss (the peril).
The direct cause of the loss is the opportunist stealing the vehicle, meaning the peril is theft.
By definition, a peril is the specific event or active cause that results in a loss.
2
Identify the condition that increased the likelihood of the loss (the hazard).
The drivers leaving the vans running and unlocked significantly increased the chance of theft.
A hazard is an underlying condition or behavior that increases the frequency or severity of a loss.
3
Classify the specific type of hazard involved.
The behavior stems from carelessness and an indifferent attitude because they assume insurance will cover the loss. Therefore, it is a morale hazard.
Physical hazards are tangible defects, moral hazards involve dishonesty or fraud, and morale hazards involve carelessness or indifference.

Anahtar Kavram

Distinguishing between perils (causes of loss) and hazards (conditions that increase risk), and properly classifying hazard types (physical, moral, morale).
Tahmini Süre:1m 15s
Bu soruyu puanla

Konular

Perils and Hazards

Bu konudan daha fazla soru