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保险学Tch24
CHAPTER 24
Government Regulation of Risk Management
and Insurance
True-False
1. Perhaps the chief reason for regulation of insurance is to keep rates down.
ANSWER: F
2. Some outside control over pricing in insurance is desirable for both the insured and the insurer.
ANSWER: T
3. Paul v. Virginia established that insurance was to be considered a contract in interstate commerce.
ANSWER: F
4. The Appleton Rule extends the influence of New York as a regulatory force.
ANSWER: T
5. It is usual for states to require the same amount of capitalization for an insurer regardless of the type of insurance it handles.
ANSWER: F
6. All states impose investment limitations on the type of securities an insurer may purchase.
ANSWER: T
7. Rebating in insurance occurs when an insurer returns a dividend to its policyholders.
ANSWER: F
8. History demonstrates that state regulation has almost eliminated insurer insolvency.
ANSWER: F
9. State laws often require that insurance rates not be excessive, but say nothing about being high enough to fairly cover all costs.
ANSWER: F
10. Under the McCarran-Ferguson Act, Congress stated that it desired state regulation of insurance to continue.
ANSWER: T
11. Under the McCarran-Ferguson Act, federal regulation of insurance was eliminated.
ANSWER: F
12. Most states neither require nor prohibit cooperative rate making by private insurers.
ANSWER: T
13. The state insurance department handles complaints of the insuring public that arise over the interpretation of policy provisions.
ANSWER: T
14. Retaliatory laws in insurance relate to enforcement of contractual provisions of insurance policies.
ANSWER: F
15. Anticoercion laws prohibit a lender from requiring that a borrower buy insurance from the lender as a condition of obtaining a loan.
ANSWER: T
16. An important reason for regulation of insurance is because insurance is paid for in advance but the benefit is collected in the future.
ANSWER: T
17. Abuses in insurance have been few and
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