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Your car's headrest should be - correct answer Centered on the back of your head You should position your seat so you can - correct answer Completely depress the brake pedal, easily move your foot from the gas to the brake pedal, and reach the brake and gas pedals without having to lean forward (All of the above) When adjusting your left mirror, your head should be positioned: - correct answer Close to the left window When adjusting your right mirror, your head should be positioned: - ...

Experienced drivers have fewer crashes because - correct answer They do,see & think about driving differently Teens have the highest crash rate of any group - correct answer True Which of the following factors is not one of the big six critical factors that reduce the chances of crashes - correct answer Newer,better equipped cars Teens are involved in more collisions than any other group because - correct answer They have less experience driving What are the 6 critical factors that r...

Who are most likely to drink and drive - correct answer adults who are more prone to take risks on the road - correct answer teens due to brain chemistry when teens are involved in collisions it is usually their fault - correct answer true looking ahead in a city - correct answer a block what is the #1 cause of accident - correct answer failure to see other vehicles what is active search and scanning techniques - correct answer keep eyes moving looking around recognizing what yo...

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Stock Insurer - correct answer Corporation owned by Stockholders (earn profit for stockholders by increasing the value of the stock and paying dividends). Mutual Insurer - correct answer Corporation owned by Policyholders (profits are distributed to policyholders by dividends or rate reductions). Advance Premium Mutual Assessment Mutual Fraternal Insurer Lloyd's of London - correct answer Specialized lines of business. Brokers - correct answer represent policyholders to arrang...

How long is an auto insurance policy? - correct answer usually 6 or 12 months Who writes auto insurance policies? - correct answer ISO What is ISO? - correct answer Insurance Services Office Five General Types of Coverage for Auto Insurance - correct answer 1. Liability 2. Uninsured Motorist 3. Medical Payments 4. Damage 5. Convenience Coverage When is liability coverage implemented in auto? - correct answer when you have a liability to a 3rd party for property damage (PD) or bo...

Major Types of Private Insurers - correct answer Stock Insurers Mutual Insurers Lloyds of London Stock Insurer - correct answer -A corporation owned by stockholders. -Objective is to earn profits for the stockholders by increasing stock and paying dividends. (Progressive, Allstate, Metlife, etc.) Mutual Insurer - correct answer -a corporation owned by policyholders. -profits are distributed to policyholders by dividends or rate reductions. (statefarm, nationwide, liberty mutual) ...

Principal of Indemnity - correct answer insurer pays no more than actual amount of the loss; insurer should not profit from the loss Replacement cost - correct answer the cost to replace an inventory item in its identical form (similar workmanship and quality) Actual Cash Value - correct answer replacement cost - depreciation in property ins, usually based on the actual cash value of the property at the time of loss Market Value - correct answer the price at which property would sell...

Exposures - correct answer things of value (assets) that could be lost Perils - correct answer things that cause injury or loss risk - correct answer a calculated possibility of a negative outcome Frequency - correct answer the number of losses (such as fire or theft) that occur within a specified time period. aka the probability of a loss Severity - correct answer the dollar amount of a loss for a specific peril (fire, theft, collision) aka How much does it cost when the loss does o...

Legal wrong - correct answer a violation of a person's legal rights, or a failure to perform a legal duty owed to a certain person or to society as a whole types of legal wrong - correct answer crime, breach of contract, tort Tort - correct answer a legal wrong for which the court allows a remedy in the form of monetary damages Plaintiff - correct answer the person who is injured Tortfeasor - correct answer the alleged wrongdoer three categories of tort - correct answer intention...

Peril - correct answer Cause of loss Risk - correct answer Uncertainty about chance, timing, or amount of loss Chance of Loss - correct answer Probability that an event will occur Objective Risk - correct answer The relative variation of actual loss from expected loss; (Actual-Expected)/Expected; higher variation means higher risk Law of Large Numbers - correct answer Objective risk varies inversely with the square root of the number of cases Subjective Risk - correct answer Uncer...

types of risk - correct answer -pure risk -speculative risk -diversifiable risk -nondiversifiable risk -enterprise risk -systemic risk risk - correct answer uncertainty concerning the occurrence of a loss uncertainty - correct answer probabilities cannot be estimated loss exposure - correct answer any situation or circumstance in which a loss is possible, regardless of whether a loss actually occurs example: earthquake or flood causing damage to a manufacturing plant objective...

Textbook definition of RISK - correct answer Uncertainty concerning the occurrence of a loss Better definition of RISK - correct answer A calculated possibility of a negative outcome Calculated Possibility - correct answer 0 = Impossible event (NO RISK) 0.5 = Highest Risk (Most Uncertainty) 1 = 100% Certain Event (NO RISK Negative Outcome - correct answer Loss Losses must be __________? - correct answer Quantifiable Pure Risk States - correct answer Loss or No Loss ...

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(Al Minor v Martin) Al Minor and Associates v. Martin - correct answer o X had a lot of secrets and made people sign NDAs o Y decided to use the skills he learned working at X to start his own company o Y quits and doesn't take any documents, but he calls X clients from his memory and takes a lot of them o Court rules that information doesn't have to be tangible, it can be memorized and still be a trade secret o Y found liable for taking trade secrets Association for Molecular Pathology...

3 branches of government - correct answer Legislative, Executive, Judicial Judicial Review - correct answer Allows the court to determine the constitutionality of laws federalism - correct answer A system in which power is divided between the national and state governments 10th Amendment - correct answer The powers not delegated to the United States by the Constitution are reserved to the States supremecy clause - correct answer Constitution is the supreme law of the land preempti...

intellectual property - correct answer a product of the intellect, such as an expressed idea or concept, that has commercial value what article protects intellectual property? - correct answer article 1 section 8 justification - correct answer justifications are variously focused upon the activities of the creator of an intangible asset, its would-be user, and the community in which the creator operates importance - correct answer creates incentives by providing exclusivity competiti...

Role of Scarcity (property) - correct answer need for resources overtakes supply of those resources State controlled/communism - correct answer govt controls resources and directs how they're divided between citizens; control means of production Property-based/capitals - correct answer enact laws that enable citizens to acquire, possess, use, and transfer resources; free market States generally have a mix - correct answer not purely one or the other Real Property - correct answer la...

agency - correct answer one of the most common, important and pervasive legal relationships agent - correct answer a representative who acts on behalf of other persons or organizations (most employees are considered this for their employers) principal - correct answer who the agent represents or acts for fiduciary duty - correct answer That duty owed by an agent to act in the highest good faith toward the principal and not to obtain any advantage over the latter by the slightest misrepr...

Administrative Agency - correct answer An organization, usually a part of the executive branch of government, that is created to serve a specific purpose as authorized by the legislative branch Function is usually characterized as quasi-legislative or quasi-judicial Quasi-legislative - correct answer Describes the rule-making functions of administrative agencies Quasi-judicial - correct answer Administrative actions involving factual determinations and the discretionary application of rul...