In which of these situations might moral hazard arise? a) Insurance companies fail to calculate the risks of accident correctly. b) A company receives an exemption from pollution control legislation. c) A sports team accepts bribes which affect their performance in a game. d) A group of households makes a collective purchase of flood insurance
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In which of these situations might moral hazard arise?
a) Insurance companies fail to calculate the risks of accident correctly.
b) A company receives an exemption from pollution control legislation.
c) A sports team accepts bribes which affect their performance in a game.
d) A group of households makes a collective purchase of flood insurance
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- MATCH WITH THE BEST ANSWER Liability Insurance Mistakes happen. You, your employees, your equipment or your suppliers could make mistakes that ultimately end up hurting your customers, your employees or other people who are involved with your business. To protect your business from being sued, you should consider these types of insurance to limit your liability: 1. ____General liability A. Provides protection if you are sued by a client for errors, omissions or negligence, when performing professional services. 2. ____Product liability B. Covers injury to clients or staff on your premises. 3. ____ Professional liability insurance C. Provides protection in the event that your products are defective or cause serious harm to those using them.Please describe a time when you were faced with a personal dilemma regarding whether to blow the whistle on a wrongdoing. Some examples of a wrongdoing are witnessing cheating on an exam, witnessing someone trying to steal, noticing someone trying to take advantage of another, and completing a project at work without recording time spent in order to meet time constraints. Who were the stakeholders in the situation and how were they impacted by the wrongdoing? How did rationalization encourage the wrongdoer to follow through with their wrongdoing? What did you do and why?Please describe a time when you were faced with a personal dilemma regarding whether to blow the whistle on a wrongdoing. Some examples of a wrongdoing are witnessing cheating on an exam, witnessing someone trying to steal, noticing someone trying to take advantage of another, and completing a project at work without recording time spent in order to meet time constraints. Who were the stakeholders in the situation and how were they impacted by the wrongdoing? How did rationalization encourage the wrongdoer to follow through with their wrongdoing? What did you do and why? Case scenario: for someone working but not clocking in How would this fit under this dilemma? Please explain:
- If Jack damages his car by skidding on ice and colliding with a fence, his property damage liability would cover the damage to his car. True False Your insurance policy carries a $200 deductible for collision and $500 deductible for comprehensive. If you cause an accident which results in the following repairs and losses to your car and possessions, what will be the reimbursement from the insurance company under your collision and comprehensive coverage? • Replacement of trailer hitch $500 • Replacement of rear bumper $700 • Replacement of computer (in trunk) $400 • Replacement of rear windshield $400 $1500 $1800 $1400 OnothingAt one time, it was felt that liability insurance would undermine the tort system, which has as its central theorem the concept that the individual responsible for injuring another should be made to pay for that injury. Do you think the existence of liability insurance causes one to be less careful than he or she might otherwise be?In the early 1990s, New Jersey and Pennsylvania reformed their automobile insurance systems so that citizens could opt for either a less-expensive policy that does not allow people to sue if they get into accidents or a more-expensive policy that does allow people to sue if they get into accidents. In New Jersey, the default option was the less-expensive policy that did not allow suing. In Pennsylvania, the default option was the more-expensive policy that did allow suing. Given those options, which policy do you think most people in New Jersey ended up with? What about in Pennsylvania? Explain.
- The chief effect of reinsurance is that - insurance premiums are higher - insurance companies are prevented from engaging in fraud - insurance companies can offer insurance without fear of a major event causing them to go out of businessIs disaster insurance unfair to insurance companies ? Explain your answer and provide an example.Property insurance will not cover damage to your home caused by a hail storm. True or False
- Tony is a MIB. Which of the following would not be a discreditable act that he should definitely avoidperforming? Group of answer choices a. Harassing a gay subordinate. b. Not paying his own taxes. c. Joining a political party. d. Carelessly preparing financial records.What causes people to commit occupational fraud?Imagine that you are in Rakefet’s situation. You are facing the reality of this context: a criminal probe, a pension liability, social protests in Israel, and poor internal results. What are your first steps?