2024年4月26日发(作者：)

PrinciplesofRiskManagementandInsurance,11e(Rejda)

Chapter1RiskinOurSociety

1)Traditionally,riskhasbeendefinedas

A)anysituationinwhichtheprobabilityoflossisone.

B)anysituationinwhichtheprobabilityoflossiszero.

C)uncertaintyconcerningtheoccurrenceofloss.

D)theprobabilityofalossoccurring.

Answer:C

QuestionStatus:PreviousEdition

2)Objectiveriskisdefinedas

A)theprobabilityofloss.

B)therelativevariationofactuallossfromexpectedloss.

C)uncertaintybasedonaperson'smentalconditionorstateofmind.

D)thecauseofloss.

Answer:B

QuestionStatus:PreviousEdition

3)Aninsurancecompanyestimatesitsobjectiveriskfor10,ngtheprobabilit

yoflossremainsthesame,whatwouldhappentotheobjectiveriskifthenumberofexposuresweretoincreaseto1mil

lion?

A)Itwoulddecreaseto1percent.

B)Itwoulddecreaseto5percent.

C)Itwouldremainthesame.

D)Itwouldincreaseto20percent.

Answer:A

QuestionStatus:PreviousEdition

4)Uncertaintybasedonaperson'smentalconditionorstateofmindisknownas

A)objectiverisk.

B)subjectiverisk.

C)objectiveprobability.

D)subjectiveprobability.

Answer:B

QuestionStatus:PreviousEdition

5)Thelong-runrelativefrequencyofaneventbasedontheassumptionofaninfinitenumberofobservationswithno

changeintheunderlyingconditionsiscalled

A)objectiveprobability.

B)objectiverisk.

C)subjectiveprobability.

D)subjectiverisk.

Answer:A

QuestionStatus:PreviousEdition

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6)Whichofthefollowingstatementsaboutaprioriprobabilitiesiscorrect?

A)Theyaresubjectiveprobabilitiesbasedonambiguityinthewayprobabilityisperceived.

B)Theyaresubjectiveprobabilitiesthatmayvaryamongindividualsbecauseoffactorssuchasage,gender,educati

on,andtheuseofalcohol.

C)Theyareobjectiveprobabilitiesthatcanbedeterminedbydeductivereasoning.

D)Theyareobjectiveprobabilitiesthatcanbedeterminedbysubjectivereasoning.

Answer:C

QuestionStatus:PreviousEdition

7)Anindividual'spersonalestimateofthechanceoflossis

A)anobjectiveprobability.

B)anobjectiverisk.

C)asubjectiveprobability.

D)anaprioriprobability.

Answer:C

QuestionStatus:PreviousEdition

8)Aperilis

A)amoralhazard.

B)thecauseofaloss.

C)aconditionwhichincreasesthechanceofaloss.

D)theprobabilitythatalosswilloccur.

Answer:B

QuestionStatus:PreviousEdition

9)Anearthquakeisanexampleofa

A)moralhazard.

B)peril.

C)physicalhazard.

D)objectiverisk.

Answer:B

QuestionStatus:PreviousEdition

10)Densefogthatincreasesthechanceofanautomobileaccidentisanexampleofa

A)speculativerisk.

B)peril.

C)physicalhazard.

D)moralhazard.

Answer:C

QuestionStatus:PreviousEdition

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11)Fakinganaccidenttocollectinsuranceproceedsisanexampleofa

A)physicalhazard.

B)objectiverisk.

C)moralhazard.

D)attitudinalhazard.

Answer:C

QuestionStatus:Revised

12)Carelessnessorindifferencetoalossisanexampleof

A)physicalhazard.

B)objectiveprobability.

C)moralhazard.

D)attitudinalhazard.

Answer:D

QuestionStatus:Revised

13)Somecharacteristicsofthejudicialsystemandregulatoryenvironmentincreasethefrequencyandseverityoflo

zardiscalled

A)moralhazard.

B)physicalhazard.

C)attitudinalhazard.

D)legalhazard.

Answer:D

QuestionStatus:Revised

14)TaylorTobaccoCompanyisconcernedthatthecompanymaybeheldliableinacourtoflawandorderedtopayal

racteristicsofthejudicialsystemthatincreasethefrequencyandseverityoflossesarek

nownas

A)moralhazard.

B)particularrisk.

C)speculativerisk.

D)legalhazard.

Answer:D

QuestionStatus:PreviousEdition

15)Aphrasethatencompassesallofthemajorrisksfacedbyabusinessfirmis

A)financialrisk.

B)speculativerisk.

C)enterpriserisk.

D)purerisk.

Answer:C

QuestionStatus:PreviousEdition

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16)Whichofthefollowingstatementsaboutfinancialriskis(are)true?

I. Enterpriseriskdoesnotincludefinancialrisk.

II. Financialriskiseasilyaddressedthroughthepurchaseofinsurance.

A)Ionly

B)IIonly

C)bothIandII

D)neitherInorII

Answer:D

QuestionStatus:PreviousEdition

17)AllofthefollowingareconsideredfinancialrisksEXCEPT

A)thedeclineinthevalueofabondportfoliobecauseofrisinginterestrates.

B)increasedcostofproductionbecauseofrisingcommodityprices.

C)lossofmoneybecauseofadversemovementsincurrencyexchangerates.

D)destructionofaproductionfacilitycausedbyanexplosion.

Answer:D

QuestionStatus:PreviousEdition

18)decidedtocreateariskmanagementprogram

whichconsidersalloftherisksfacedbyABC-pure,speculative,operational,andstrategic-inasingleriskmanagem

rogramiscalleda(n)

A)financialriskmanagementprogram.

B)enterpriseriskmanagementprogram.

C)fundamentalriskmanagementprogram.

D)consequentialriskmanagementprogram.

Answer:B

QuestionStatus:PreviousEdition

19)Apureriskisdefinedasasituationinwhichthereis

A)onlythepossibilityoflossornoloss.

B)onlythepossibilityofprofit.

C)apossibilityofneitherprofitnorloss.

D)apossibilityofeitherprofitorloss.

Answer:A

QuestionStatus:PreviousEdition

20)Theprematuredeathofanindividualisanexampleofa

A)purerisk.

B)speculativerisk.

C)fundamentalrisk.

D)physicalhazard.

Answer:A

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21)Whichofthefollowingstatementsaboutspeculativerisksistrue?

A)Theyarealmostalwaysinsurablebyprivateinsurers.

B)Theyaremoreeasilypredictablethanpurerisks.

C)Theymaybenefitsocietyeventhoughalossoccurs.

D)Theyinvolveonlyachanceofloss.

Answer:C

QuestionStatus:Revised

22)Anautomobilethatisatotallossasaresultofacollisionisanexampleofwhichofthefollowingtypesofrisk?

I. Speculativerisk

II. Diversifiablerisk

A)Ionly

B)IIonly

C)bothIandII

D)neitherInorII

Answer:B

QuestionStatus:Revised

23)AllofthefollowingareprogramstoinsurefundamentalrisksEXCEPT

A)federallysubsidizedfloodinsurance.

B)autophysicaldamageinsurance.

C)SocialSecurity.

D)unemploymentinsurance.

Answer:B

QuestionStatus:PreviousEdition

24)AllofthefollowingareexamplesofpersonalrisksEXCEPT

A)poorhealth.

B)unemployment.

C)prematuredeath.

D)flood.

Answer:D

QuestionStatus:PreviousEdition

25)Whichofthefollowingisareasonwhyprematuredeathmayresultineconomicinsecurity?

I. Additionalexpensesassociatedwithdeathmaybeincurred.

II. Theincomeofthedeceasedperson'sfamilymaybeinadequatetomeetitsbasicneeds.

A)Ionly

B)IIonly

C)bothIandII

D)neitherInorII

Answer:C

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26)Whichofthefollowingareoftenconsequencesoflong-termdisability?

I. Continuingmedicalexpenses

II. Lossorreductionofemployeebenefits

A)Ionly

B)IIonly

C)bothIandII

D)neitherInorII

Answer:C

QuestionStatus:PreviousEdition

27)AllofthefollowingareexamplesofdirectpropertylossesEXCEPT

A)thetheftofaperson'sjewelry.

B)thedestructionofafirm'smanufacturingplantbyanearthquake.

C)thecostofrentingasubstitutevehiclewhileacollision-damagedcarisbeingrepaired.

D)thevandalismofaperson'sautomobile.

Answer:C

QuestionStatus:PreviousEdition

28)Theextraexpenseincurredbyabusinesstostayinoperationfollowingafireisanexampleofa(n)

A)fundamentalrisk.

B)speculativerisk.

C)directloss.

D)indirectloss.

Answer:D

QuestionStatus:PreviousEdition

29)Whichofthefollowingstatementsaboutliabilityrisksis(are)true?

I. Futureincomeandassetscanbeattachedtopayjudgmentsifinadequateinsuranceiscarried.

II. Thereisanupperlimitontheamountofloss.

A)Ionly

B)IIonly

C)bothIandII

D)neitherInorII

Answer:A

QuestionStatus:PreviousEdition

30)AllofthefollowingareburdenstosocietybecauseofthepresenceofriskEXCEPT

A)Thesizeofanemergencyfundmustbeincreased.

B)Individualsmayprofitfromacceptingaspeculativerisk.

C)Societyisdeprivedofcertaingoodsandservices.

D)Mentalfearandworryarepresent.

Answer:B

QuestionStatus:PreviousEdition

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