Holdings: Principles of risk management and insurance

Principles of risk management and insurance:

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Bibliographic Details
Main Author:	Rejda, George E. (Author)
Format:	Book
Language:	English
Published:	Boston [u.a.] Addison-Wesley 2003
Edition:	8. ed.
Series:	The Addison-Wesley series in finance
Subjects:	Insurance Risk (Insurance) Risk management Risikomanagement Versicherung USA Einführung
Online Access:	Inhaltsverzeichnis
Item Description:	Erg. bildet: McNamara, Michael J.: Study guide ...
Physical Description:	XVII, 686 S. graph. Darst.
ISBN:	0321189221

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adam_text	Contents Preface xv PART ONE Basic Concepts in Risk Management and Insurance 1 chapter 1 Risk in Our Society 2 Meaning of Risk 3 Chance of Loss 4 Peril and Hazard 5 Basic Categories of Risk 6 Types of Pure Risk 7 Burden of Risk on Society 11 Methods of Handling Risk 11 Summary 14 ¦ Key Concepts and Terms 15 ¦ Review Questions 15 Application Questions 15 ¦ Selected References 15 ¦ Notes 16 Case Application 16 Insight 1.1: Making Ends Meet Can Be Tough for Widows 8 Insight 1.2: Runaway Car Hits Toddler, Kills Her Father 10 chapter 2 Insurance and Risk 17 Definition of Insurance 18 Basic Characteristics of Insurance 18 Requirements of an Insurable Risk 20 Two Applications: The Risks of Fire and Unemployment 22 Adverse Selection and Insurance 22 Insurance and Gambling Compared 23 Insurance and Hedging Compared 24 Types of Insurance 24 Benefits of Insurance to Society 27 Costs of Insurance to Society 28 Summary 30 ¦ Key Concepts and Terms 31 ¦ Review Questions 31 Application Questions 31 ¦ Selected References 32 • Notes 32 Case Application 31 Insight 2.1: Insurance Fraud Comes In All Shapes and Sizes 29 Appendix Basic Statistics and the Law of Large Numbers 33 chapter 3 Introduction to Risk Management 37 Meaning of Risk Management 38 Objectives of Risk Management 38 Steps in the Risk Management Process 39 V vi CONTENTS Identifying Potential Losses 39 Evaluating Potential Losses 40 Selecting the Appropriate Techniques for Treating Loss Exposures 41 Implementing and Administering the Risk Management Program 48 Personal Risk Management 48 Summary 50 ¦ Key Concepts and Terms 51 ¦ Review Questions 51 Application Questions 52 ¦ Selected References 53 ¦ Notes 53 Case Application 1 52 Case Application 2 53 Insight 3.1: Why Do Employers Self Insure Their Group Health Plans? 44 chapter 4 Advanced Topics in Risk Management 54 The Changing Scope of Risk Management 55 Insurance Market Dynamics 59 Loss Forecasting 62 Financial Analysis in Risk Management Decision Making 64 Use of Technology in Risk Management Programs 66 Summary 70 ¦ Key Concepts and Terms 70 ¦ Review Questions 70 Application Questions 71 ¦ Selected References 72 ¦ Notes 72 Case Application 1 71 Case Application 2 72 Insight 4.1: The Final Frontier of Risk 58 Insight 4.2: Enhanced Risk Mapping 68 Appendix Loss Forecasting Using the Normal Distribution 74 PART TWO Legal Principles in Risk and Insurance 77 chapter 5 Fundamental Legal Principles 78 Principle of Indemnity 79 Principle of Insurable Interest 81 Principle of Subrogation 83 Principle of Utmost Good Faith 85 Requirements of an Insurance Contract 86 Distinct Legal Characteristics of Insurance Contracts 88 Law and the Insurance Agent 89 Summary 91 ¦ Key Concepts and Terms 92 ¦ Review Questions 92 Application Questions 93 ¦ Selected References 94 ¦ Notes 94 Case Application 93 Insight 5.1: No Insurable Interest at the Time of Death: Is a Corporation Entitled to the Life Insurance Proceeds? 83 Insight 5.2: Misrepresentation in Application for Auto Coverage 85 CONTENTS vii chapter 6 Analysis of Insurance Contracts 96 Basic Parts of an Insurance Contract 97 Definition of the Insured TOO Endorsements and Riders 100 Deductibles 101 Coinsurance 102 Coinsurance in Health Insurance 104 Other Insurance Provisions 104 Summary 106 ¦ Key Concepts and Terms 107 • Review Questions 107 Application Questions 107 ¦ Selected References 109 ¦ Notes 109 Case Application 108 Insight 6.1: Are Acts of Terrorism Excluded by the War Clause? 99 PART THREE Personal Property and Liability Risks 111 chapter 7 The Liability Risk 112 Basis of Legal Liability 113 Law of Negligence 113 Imputed Negligence 115 Res Ipsa Loquitur 116 Specific Applications of the Law of Negligence 116 Special Tort Liability Problems 119 Reforming the Civil Justice System 123 Summary 125 ¦ Key Concepts and Terms 126 ¦ Review Questions 126 Application Questions 126 ¦ Selected References 127 ¦ Notes 128 Case Application 127 Insight 7.1: Medical Errors Rank with Highway Accidents and Breast Cancer as a Major Killer in the United States 120 Insight 7.2: Man Sues Father, but It s Nothing Personal 122 chapter 8 Homeowners Insurance, Section I 129 Homeowners 2000 Program 130 Analysis of Homeowners 3 Policy (Special Form) 134 Section I Coverages 134 Section I Perils Insured Against 140 Section I Exclusions 144 Section I Conditions 146 Section I and II Conditions 150 Summary 151 ¦ Key Concepts and Terms 151 ¦ Review Questions 152 Application Questions 152 ¦ Selected References 153 ¦ Notes 154 Case Application 153 Insight 8.1: Renters Insurance Is a Must If You Rent an Apartment or House 131 Insight 8.2: Toxic Mold Claims: A Critical Problem in Homeowners Insurance 142 viii CONTENTS Insight 8.3: Actual Cash Value Coverage on Personal Property Can Cost You a Bundle 147 chapter 9 Homeowners Insurance, Section II 155 Personal Liability Insurance 156 Section II Exclusions 157 Section II Additional Coverages 161 Endorsements to a Homeowners Policy 162 Shopping for a Homeowners Policy 165 Summary 171 ¦ Key Concepts and Terms 171 ¦ Review Questions 172 Application Questions 172 ¦ Selected References 173 ¦ Notes 173 Case Application 172 Insight 9.1: New Policies for Home Insurance 166 Insight 9.2: Survey Reveals Customer Satisfaction with Home Insurers 170 Appendix How Can I Save Money on a Homeowners Policy? 174 chapter 10 Automobile Insurance 177 Overview of Personal Auto Policy 178 Part A: Liability Coverage 179 Part B: Medical Payments Coverage 184 Part C: Uninsured Motorists Coverage 185 Part D: Coverage for Damage to Your Auto 188 Part E: Duties After an Accident or Loss 194 Part F: General Provisions 194 Insuring Motorcycles and Other Vehicles 195 Summary 196 ¦ Key Concepts and Terms 196 ¦ Review Questions 197 Application Questions 197 ¦ Selected References 199 ¦ Notes 199 Case Application 198 Insight 10.1: Don t Let Road Rage Get You Killed 182 Insight 10.2: Using a Cell Phone While Driving—How Risky? 191 Insight 10.3: Don t Ignore Gap Insurance If You Lease a Car 193 Appendix Summary of 1998 Personal Auto Policy Coverages 200 chapter 11 Automobile Insurance and Society 203 Approaches for Compensating Automobile Accident Victims 204 Auto Insurance for High Risk Drivers 212 Cost of Auto Insurance 214 Shopping for Auto Insurance 219 Summary 223 • Key Concepts and Terms 224 ¦ Review Questions 224 Application Questions 224 ¦ Selected References 225 ¦ Notes 226 Case Application 225 Insight 11.1: What Your Auto Insurer Knows About You 218 Insight 11.2: Study Shows Americans Could Save Hundreds on Auto Insurance 222 CONTENTS ix chapter 12 Other Property and Liability Insurance Coverages 227 ISO Dwelling Program 228 Mobilehome Insurance 229 Inland Marine Floaters 230 Insurance on Pleasure Boats 231 Government Property Insurance Programs 232 Title Insurance 237 Personal Umbrella Policy 238 Summary 241 ¦ Key Concepts and Terms 241 ¦ Review Questions 242 Application Questions 242 ¦ Selected References 243 • Notes 243 Case Application 244 Insight 12.1: Myths and Facts About the National Flood Insurance Program 234 Insight 12.2: The Perils an Umbrella Policy Can Protect Against 240 PART FOUR Commercial Property and Liability Risks 245 chapter 13 Commercial Property Insurance 246 Overview of Commercial Package Policy 247 Building and Personal Property Coverage Form 248 Causes of Loss Forms 252 Reporting Forms 254 Business Income Insurance 254 Other Commercial Coverages 257 Transportation Insurance 259 Businessowners Policy (BOP) 264 Summary 265 ¦ Key Concepts and Terms 267 ¦ Review Questions 267 Application Questions 267 ¦ Selected References 268 ¦ Notes 268 Case Application 268 Insight 13.1: Examples of Coverage Under the Building and Personal Property Coverage Form 250 Insight 13.2: Advantages of the Special Causes of Loss Form 253 chapter 14 Commercial Liability Insurance 270 General Liability Loss Exposures 271 Commercial General Liability Policy 273 Employment Practices Liability Insurance 278 Workers Compensation and Employers Liability Insurance 280 Commercial Auto Insurance 281 Aviation Insurance 284 Bailee s Customer Insurance 285 Commercial Umbrella Policy 286 Liability Insurance, Businessowners Policy 287 Professional Liability Insurance 288 Summary 290 • Key Concepts and Terms 291 ¦ Review Questions 291 Application Questions 292 ¦ Selected References 293 ¦ Notes 293 x CONTENTS Case Application 293 Insight 14.1: Compensability of Terrorism Injuries Under State Workers Compensation Laws 282 Insight 14.2: Florida Doctor Operates on Wrong Side of Head 289 chapter 15 Crime Insurance and Surety Bonds 295 ISO Commercial Crime Insurance Program 296 Commercial Crime Coverage Form 297 Financial Institution Bonds 301 Surety Bonds 302 Summary 305 ¦ Key Concepts and Terms 306 ¦ Review Questions 306 Application Questions 306 ¦ Selected References 307 ¦ Notes 308 Case Application 307 Insight 15.1: Employee Theft a Common Problem 298 Insight 15.2: Construction Is Risky Business 303 PART FIVE Life and Health Risks 309 chapter 16 Fundamentals of Life Insurance 310 Premature Death 311 Financial Impact of Premature Death on Different Types of Families 312 Amount of Life Insurance to Own 314 Methods for Providing Life Insurance Protection 322 Summary 325 ¦ Key Concepts and Terms 326 ¦ Review Questions 326 Application Questions 326 ¦ Selected References 328 • Notes 328 Case Application 1 327 Case Application 2 327 Insight 16.1: Get Life Insurance—Before It s Too Late 312 Insight 16.2: Life Expectancy in U.S. Hits New High 313 Insight 16.3: Life Insurance: Three Families Needs 320 Insight 16.4: Life Insurance Study Reveals Crisis of Underinsurance 323 chapter 17 Types of Life Insurance 329 Types of Life Insurance 330 Variations of Whole Life Insurance 336 Other Types of Life Insurance 344 Summary 347 • Key Concepts and Terms 348 ¦ Review Questions 348 Application Questions 348 ¦ Selected References 349 « Notes 350 Case Application 349 Insight 17.1: Term Life Insurance Looks Even Better After September 11 334 Insight 17.2 : When Cash Value Life Insurance Makes Sense 336 CONTENTS xi chapter 18 Life Insurance Contractual Provisions 351 Life Insurance Contractual Provisions 352 Dividend Options 358 Nonforfeiture Options 360 Settlement Options 361 Additional Life Insurance Benefits 365 Summary 369 ¦ Key Concepts and Terms 370 ¦ Review Questions 371 Application Questions 372 ¦ Selected References 373 ¦ Notes 373 Case Application 372 Insight 18.1: Is This Death a Suicide? 353 Insight 18.2: Selecting the Best Dividend Option 359 Insight 18.3: Playing the Death Pool 370 chapter 19 Buying Life Insurance 374 Determining the Cost of Life Insurance 375 Rate of Return on Saving Component 379 Taxation of Life Insurance 381 Shopping for Life Insurance 383 Summary 387 ¦ Key Concepts and Terms 388 ¦ Review Questions 388 Application Questions 388 ¦ Selected References 389 ¦ Notes 389 Case Application 388 Insight 19.1: Factors to Consider in Replacing a Life Insurance Policy 379 Insight 19.2: Warning: Internet Shopping May Not Produce the Best Prices—New CFA Study Rates 36 Percent of Term Insurance Websites as Not Recommended 385 Appendix Is Your Life Insurance Reasonably Priced? (How to Evaluate an Existing Life Insurance Policy) 390 chapter 20 Annuities and Individual Retirement Accounts 395 Individual Annuities 396 Types of Annuities 397 Taxation of Individual Annuities 402 Individual Retirement Accounts 404 Summary 409 ¦ Key Concepts and Terms 410 ¦ Review Questions 410 Application Questions 410 ¦ Selected References 411 ¦ Notes 412 Case Application 411 Insight 20.1: When Do Variable Annuities Make Sense? 403 chapter 21 Individual Health and Disability Income Insurance 413 Health Care Problems in the United States 414 Types of Individual Health Insurance Coverages 417 Hospital Surgical Insurance 419 Major Medical Insurance 420 Long Term Care Insurance 422 xii CONTENTS Disability Income Insurance 423 Individual Medical Expense Contractual Provisions 428 Shopping for Health Insurance 430 Summary 433 ¦ Key Concepts and Terms 435 ¦ Review Questions 435 Application Questions 436 ¦ Selected References 437 ¦ Notes 437 Case Application 436 Insight 21.1: Why Are Healthcare Costs Going Up? 416 Insight 21.2: The Sobering Statistics on Disability Income Insurance 432 Insight 21.3: The Last Resort: State High Risk Pools for the uninsurable 433 chapter 22 Employee Benefits: Group Life and Health Insurance 438 Group Insurance 439 Group Life Insurance Plans 441 Group Medical Expense Insurance 444 Types of Group Medical Expense Plans 445 Managed Care Plans 447 Group Medical Expense Contractual Provisions 452 Group Dental Insurance 455 Group Disability Income Insurance 456 Cafeteria Plans 457 Summary 458 ¦ Key Concepts and Terms 459 ¦ Review Questions 460 Application Questions 460 ¦ Selected References 460 ¦ Notes 461 Case Application 461 Insight 22.1: Credit Insurance Overcharges Hit $2.5 Billion Annually 443 Insight 22.2: Defined Contribution Health Plan That Puts Employee in Charge of Spending Catches On 451 Insight 22.3: What Happens to My Health Insurance If I Lose My Job? 455 chapter 23 Employee Benefits: Retirement Plans 462 Fundamentals of Private Retirement Plans 463 Types of Qualified Retirement Plans 470 Defined Contribution Plans 470 Defined Benefit Plans 470 Section 401 (k] Plans 472 Profit Sharing Plans 473 Retirement Plans for the Self Employed 474 Simplified Employee Pension (SEP) 476 SIMPLE Retirement Plans 476 Funding Agency and Funding Instruments 477 Summary 478 ¦ Key Concepts and Terms 479 • Review Questions 480 Application Questions 480 ¦ Selected References 481 ¦ Notes 481 Case Application 480 CONTENTS xiii Insight 23.1: Ten Common Causes of Errors in Pension Calculation: Consumer Tips for Safeguarding Your Pension 467 Insight 23.2: Ten Common 401 (k) Mistakes 474 chapter 24 Social Insurance 482 Social Insurance 483 Old Age, Survivors, and Disability Insurance (OASDI) 485 Types of Benefits 486 Problems and Issues 495 Unemployment Insurance 498 Workers Compensation 501 Summary 506 ¦ Key Concepts and Terms 507 « Review Questions 507 Application Questions 507 ¦ Selected References 507 ¦ Notes 508 Case Application 508 Insight 24.1: Get the Picture on Your Social Security Benefits 492 Insight 24.2: How to Save Social Security: Check Out the Social Security Game 496 Insight 24.3: Social Insurance Programs and the September 11 Attacks 504 PART SIX The Insurance Industry 511 chapter 25 Types of Insurers and Marketing Systems 512 Types of Private Insurers 513 Agents and Brokers 519 Types of Marketing Systems 519 Mass Merchandising 522 Summary 523 • Key Concepts and Terms 524 • Review Questions 524 Application Questions 524 ¦ Selected References 525 ¦ Notes 525 Case Application 525 Insight 25.1: Holding Company Schemes: The Feeling Isn t Mutual 517 Insight 25.2: Payroll Plan Lets Workers Save Money and Checks 523 chapter 26 Insurance Company Operations 526 Insurance Company Operations 527 Rate Making 527 Underwriting 528 Production 532 Claim Settlement 533 Reinsurance 535 Investments 541 Other Insurance Company Functions 542 Summary 542 • Key Concepts and Terms 543 • Review Questions 543 Application Questions 544 ¦ Selected References 544 ¦ Notes 544 Case Application 545 xiv CONTENTS Insight 26.1: Frequently Asked Questions About the Medical Information Bureau 531 Insight 26.2: The September 11 Terrorist Attack: Analysis of the Impact on the Insurance Industry 538 Insight 26.3: Terrorist Attacks—New Federal Reinsurance Pool Proposed 540 chapter 27 Insurance Pricing 546 Objectives of Rate Making 547 Basic Definitions in Rate Making 548 Rate Making in Property and Liability Insurance 548 Rate Making in Life Insurance 551 Reserves in Property and Liability Insurance 556 Life Insurance Policy Reserves 560 Summary 562 ¦ Key Concepts and Terms 563 ¦ Review Questions 563 Application Questions 563 ¦ Selected References 564 ¦ Notes 564 Case Application 564 Insight 27.1: Profitability of the Insurance Industry and Other Industries 559 chapter 28 Government Regulation of Insurance 566 Reasons for Insurance Regulation 567 Historical Development of Insurance Regulation 568 Methods for Regulating Insurers 569 What Areas Are Regulated? 570 State Versus Federal Regulation 577 Current Issues in Insurance Regulation 579 Summary 588 ¦ Key Concepts and Terms 589 ¦ Review Questions 589 Application Questions 590 ¦ Selected References 590 ¦ Notes 591 Case Application 590 Insight 28.1: Auto Insurance Complaints in New York State 574 Insight 28.2: Insurance Department Report Card 586 Appendix A Homeowners 3 (Special Form) 593 Appendix B Personal Auto Policy 617 Appendix C Whole Life Policy 631 Appendix D Universal Life Policy 647 Glossary 657 Index 671
adam_txt	Contents Preface xv PART ONE Basic Concepts in Risk Management and Insurance 1 chapter 1 Risk in Our Society 2 Meaning of Risk 3 Chance of Loss 4 Peril and Hazard 5 Basic Categories of Risk 6 Types of Pure Risk 7 Burden of Risk on Society 11 Methods of Handling Risk 11 Summary 14 ¦ Key Concepts and Terms 15 ¦ Review Questions 15 Application Questions 15 ¦ Selected References 15 ¦ Notes 16 Case Application 16 Insight 1.1: Making Ends Meet Can Be Tough for Widows 8 Insight 1.2: Runaway Car Hits Toddler, Kills Her Father 10 chapter 2 Insurance and Risk 17 Definition of Insurance 18 Basic Characteristics of Insurance 18 Requirements of an Insurable Risk 20 Two Applications: The Risks of Fire and Unemployment 22 Adverse Selection and Insurance 22 Insurance and Gambling Compared 23 Insurance and Hedging Compared 24 Types of Insurance 24 Benefits of Insurance to Society 27 Costs of Insurance to Society 28 Summary 30 ¦ Key Concepts and Terms 31 ¦ Review Questions 31 Application Questions 31 ¦ Selected References 32 • Notes 32 Case Application 31 Insight 2.1: Insurance Fraud Comes In All Shapes and Sizes 29 Appendix Basic Statistics and the Law of Large Numbers 33 chapter 3 Introduction to Risk Management 37 Meaning of Risk Management 38 Objectives of Risk Management 38 Steps in the Risk Management Process 39 V vi CONTENTS Identifying Potential Losses 39 Evaluating Potential Losses 40 Selecting the Appropriate Techniques for Treating Loss Exposures 41 Implementing and Administering the Risk Management Program 48 Personal Risk Management 48 Summary 50 ¦ Key Concepts and Terms 51 ¦ Review Questions 51 Application Questions 52 ¦ Selected References 53 ¦ Notes 53 Case Application 1 52 Case Application 2 53 Insight 3.1: Why Do Employers Self Insure Their Group Health Plans? 44 chapter 4 Advanced Topics in Risk Management 54 The Changing Scope of Risk Management 55 Insurance Market Dynamics 59 Loss Forecasting 62 Financial Analysis in Risk Management Decision Making 64 Use of Technology in Risk Management Programs 66 Summary 70 ¦ Key Concepts and Terms 70 ¦ Review Questions 70 Application Questions 71 ¦ Selected References 72 ¦ Notes 72 Case Application 1 71 Case Application 2 72 Insight 4.1: The Final Frontier of Risk 58 Insight 4.2: Enhanced Risk Mapping 68 Appendix Loss Forecasting Using the Normal Distribution 74 PART TWO Legal Principles in Risk and Insurance 77 chapter 5 Fundamental Legal Principles 78 Principle of Indemnity 79 Principle of Insurable Interest 81 Principle of Subrogation 83 Principle of Utmost Good Faith 85 Requirements of an Insurance Contract 86 Distinct Legal Characteristics of Insurance Contracts 88 Law and the Insurance Agent 89 Summary 91 ¦ Key Concepts and Terms 92 ¦ Review Questions 92 Application Questions 93 ¦ Selected References 94 ¦ Notes 94 Case Application 93 Insight 5.1: No Insurable Interest at the Time of Death: Is a Corporation Entitled to the Life Insurance Proceeds? 83 Insight 5.2: Misrepresentation in Application for Auto Coverage 85 CONTENTS vii chapter 6 Analysis of Insurance Contracts 96 Basic Parts of an Insurance Contract 97 Definition of the "Insured" TOO Endorsements and Riders 100 Deductibles 101 Coinsurance 102 Coinsurance in Health Insurance 104 Other Insurance Provisions 104 Summary 106 ¦ Key Concepts and Terms 107 • Review Questions 107 Application Questions 107 ¦ Selected References 109 ¦ Notes 109 Case Application 108 Insight 6.1: Are Acts of Terrorism Excluded by the War Clause? 99 PART THREE Personal Property and Liability Risks 111 chapter 7 The Liability Risk 112 Basis of Legal Liability 113 Law of Negligence 113 Imputed Negligence 115 Res Ipsa Loquitur 116 Specific Applications of the Law of Negligence 116 Special Tort Liability Problems 119 Reforming the Civil Justice System 123 Summary 125 ¦ Key Concepts and Terms 126 ¦ Review Questions 126 Application Questions 126 ¦ Selected References 127 ¦ Notes 128 Case Application 127 Insight 7.1: Medical Errors Rank with Highway Accidents and Breast Cancer as a Major Killer in the United States 120 Insight 7.2: Man Sues Father, but It's Nothing Personal 122 chapter 8 Homeowners Insurance, Section I 129 Homeowners 2000 Program 130 Analysis of Homeowners 3 Policy (Special Form) 134 Section I Coverages 134 Section I Perils Insured Against 140 Section I Exclusions 144 Section I Conditions 146 Section I and II Conditions 150 Summary 151 ¦ Key Concepts and Terms 151 ¦ Review Questions 152 Application Questions 152 ¦ Selected References 153 ¦ Notes 154 Case Application 153 Insight 8.1: Renters Insurance Is a Must If You Rent an Apartment or House 131 Insight 8.2: Toxic Mold Claims: A Critical Problem in Homeowners Insurance 142 viii CONTENTS Insight 8.3: Actual Cash Value Coverage on Personal Property Can Cost You a Bundle 147 chapter 9 Homeowners Insurance, Section II 155 Personal Liability Insurance 156 Section II Exclusions 157 Section II Additional Coverages 161 Endorsements to a Homeowners Policy 162 Shopping for a Homeowners Policy 165 Summary 171 ¦ Key Concepts and Terms 171 ¦ Review Questions 172 Application Questions 172 ¦ Selected References 173 ¦ Notes 173 Case Application 172 Insight 9.1: New Policies for Home Insurance 166 Insight 9.2: Survey Reveals Customer Satisfaction with Home Insurers 170 Appendix How Can I Save Money on a Homeowners Policy? 174 chapter 10 Automobile Insurance 177 Overview of Personal Auto Policy 178 Part A: Liability Coverage 179 Part B: Medical Payments Coverage 184 Part C: Uninsured Motorists Coverage 185 Part D: Coverage for Damage to Your Auto 188 Part E: Duties After an Accident or Loss 194 Part F: General Provisions 194 Insuring Motorcycles and Other Vehicles 195 Summary 196 ¦ Key Concepts and Terms 196 ¦ Review Questions 197 Application Questions 197 ¦ Selected References 199 ¦ Notes 199 Case Application 198 Insight 10.1: Don't Let Road Rage Get You Killed 182 Insight 10.2: Using a Cell Phone While Driving—How Risky? 191 Insight 10.3: Don't Ignore Gap Insurance If You Lease a Car 193 Appendix Summary of 1998 Personal Auto Policy Coverages 200 chapter 11 Automobile Insurance and Society 203 Approaches for Compensating Automobile Accident Victims 204 Auto Insurance for High Risk Drivers 212 Cost of Auto Insurance 214 Shopping for Auto Insurance 219 Summary 223 • Key Concepts and Terms 224 ¦ Review Questions 224 Application Questions 224 ¦ Selected References 225 ¦ Notes 226 Case Application 225 Insight 11.1: What Your Auto Insurer Knows About You 218 Insight 11.2: Study Shows Americans Could Save Hundreds on Auto Insurance 222 CONTENTS ix chapter 12 Other Property and Liability Insurance Coverages 227 ISO Dwelling Program 228 Mobilehome Insurance 229 Inland Marine Floaters 230 Insurance on Pleasure Boats 231 Government Property Insurance Programs 232 Title Insurance 237 Personal Umbrella Policy 238 Summary 241 ¦ Key Concepts and Terms 241 ¦ Review Questions 242 Application Questions 242 ¦ Selected References 243 • Notes 243 Case Application 244 Insight 12.1: Myths and Facts About the National Flood Insurance Program 234 Insight 12.2: The Perils an Umbrella Policy Can Protect Against 240 PART FOUR Commercial Property and Liability Risks 245 chapter 13 Commercial Property Insurance 246 Overview of Commercial Package Policy 247 Building and Personal Property Coverage Form 248 Causes of Loss Forms 252 Reporting Forms 254 Business Income Insurance 254 Other Commercial Coverages 257 Transportation Insurance 259 Businessowners Policy (BOP) 264 Summary 265 ¦ Key Concepts and Terms 267 ¦ Review Questions 267 Application Questions 267 ¦ Selected References 268 ¦ Notes 268 Case Application 268 Insight 13.1: Examples of Coverage Under the Building and Personal Property Coverage Form 250 Insight 13.2: Advantages of the Special Causes of Loss Form 253 chapter 14 Commercial Liability Insurance 270 General Liability Loss Exposures 271 Commercial General Liability Policy 273 Employment Practices Liability Insurance 278 Workers Compensation and Employers Liability Insurance 280 Commercial Auto Insurance 281 Aviation Insurance 284 Bailee's Customer Insurance 285 Commercial Umbrella Policy 286 Liability Insurance, Businessowners Policy 287 Professional Liability Insurance 288 Summary 290 • Key Concepts and Terms 291 ¦ Review Questions 291 Application Questions 292 ¦ Selected References 293 ¦ Notes 293 x CONTENTS Case Application 293 Insight 14.1: Compensability of Terrorism Injuries Under State Workers Compensation Laws 282 Insight 14.2: Florida Doctor Operates on Wrong Side of Head 289 chapter 15 Crime Insurance and Surety Bonds 295 ISO Commercial Crime Insurance Program 296 Commercial Crime Coverage Form 297 Financial Institution Bonds 301 Surety Bonds 302 Summary 305 ¦ Key Concepts and Terms 306 ¦ Review Questions 306 Application Questions 306 ¦ Selected References 307 ¦ Notes 308 Case Application 307 Insight 15.1: Employee Theft a Common Problem 298 Insight 15.2: Construction Is Risky Business 303 PART FIVE Life and Health Risks 309 chapter 16 Fundamentals of Life Insurance 310 Premature Death 311 Financial Impact of Premature Death on Different Types of Families 312 Amount of Life Insurance to Own 314 Methods for Providing Life Insurance Protection 322 Summary 325 ¦ Key Concepts and Terms 326 ¦ Review Questions 326 Application Questions 326 ¦ Selected References 328 • Notes 328 Case Application 1 327 Case Application 2 327 Insight 16.1: Get Life Insurance—Before It's Too Late 312 Insight 16.2: Life Expectancy in U.S. Hits New High 313 Insight 16.3: Life Insurance: Three Families' Needs 320 Insight 16.4: Life Insurance Study Reveals Crisis of Underinsurance 323 chapter 17 Types of Life Insurance 329 Types of Life Insurance 330 Variations of Whole Life Insurance 336 Other Types of Life Insurance 344 Summary 347 • Key Concepts and Terms 348 ¦ Review Questions 348 Application Questions 348 ¦ Selected References 349 « Notes 350 Case Application 349 Insight 17.1: Term Life Insurance Looks Even Better After September 11 334 Insight 17.2 : When Cash Value Life Insurance Makes Sense 336 CONTENTS xi chapter 18 Life Insurance Contractual Provisions 351 Life Insurance Contractual Provisions 352 Dividend Options 358 Nonforfeiture Options 360 Settlement Options 361 Additional Life Insurance Benefits 365 Summary 369 ¦ Key Concepts and Terms 370 ¦ Review Questions 371 Application Questions 372 ¦ Selected References 373 ¦ Notes 373 Case Application 372 Insight 18.1: Is This Death a Suicide? 353 Insight 18.2: Selecting the Best Dividend Option 359 Insight 18.3: Playing the Death Pool 370 chapter 19 Buying Life Insurance 374 Determining the Cost of Life Insurance 375 Rate of Return on Saving Component 379 Taxation of Life Insurance 381 Shopping for Life Insurance 383 Summary 387 ¦ Key Concepts and Terms 388 ¦ Review Questions 388 Application Questions 388 ¦ Selected References 389 ¦ Notes 389 Case Application 388 Insight 19.1: Factors to Consider in Replacing a Life Insurance Policy 379 Insight 19.2: Warning: Internet Shopping May Not Produce the Best Prices—New CFA Study Rates 36 Percent of Term Insurance Websites as "Not Recommended" 385 Appendix Is Your Life Insurance Reasonably Priced? (How to Evaluate an Existing Life Insurance Policy) 390 chapter 20 Annuities and Individual Retirement Accounts 395 Individual Annuities 396 Types of Annuities 397 Taxation of Individual Annuities 402 Individual Retirement Accounts 404 Summary 409 ¦ Key Concepts and Terms 410 ¦ Review Questions 410 Application Questions 410 ¦ Selected References 411 ¦ Notes 412 Case Application 411 Insight 20.1: When Do Variable Annuities Make Sense? 403 chapter 21 Individual Health and Disability Income Insurance 413 Health Care Problems in the United States 414 Types of Individual Health Insurance Coverages 417 Hospital Surgical Insurance 419 Major Medical Insurance 420 Long Term Care Insurance 422 xii CONTENTS Disability Income Insurance 423 Individual Medical Expense Contractual Provisions 428 Shopping for Health Insurance 430 Summary 433 ¦ Key Concepts and Terms 435 ¦ Review Questions 435 Application Questions 436 ¦ Selected References 437 ¦ Notes 437 Case Application 436 Insight 21.1: Why Are Healthcare Costs Going Up? 416 Insight 21.2: The Sobering Statistics on Disability Income Insurance 432 Insight 21.3: The Last Resort: State High Risk Pools for the uninsurable 433 chapter 22 Employee Benefits: Group Life and Health Insurance 438 Group Insurance 439 Group Life Insurance Plans 441 Group Medical Expense Insurance 444 Types of Group Medical Expense Plans 445 Managed Care Plans 447 Group Medical Expense Contractual Provisions 452 Group Dental Insurance 455 Group Disability Income Insurance 456 Cafeteria Plans 457 Summary 458 ¦ Key Concepts and Terms 459 ¦ Review Questions 460 Application Questions 460 ¦ Selected References 460 ¦ Notes 461 Case Application 461 Insight 22.1: Credit Insurance Overcharges Hit \$2.5 Billion Annually 443 Insight 22.2: Defined Contribution Health Plan That Puts Employee in Charge of Spending Catches On 451 Insight 22.3: What Happens to My Health Insurance If I Lose My Job? 455 chapter 23 Employee Benefits: Retirement Plans 462 Fundamentals of Private Retirement Plans 463 Types of Qualified Retirement Plans 470 Defined Contribution Plans 470 Defined Benefit Plans 470 Section 401 (k] Plans 472 Profit Sharing Plans 473 Retirement Plans for the Self Employed 474 Simplified Employee Pension (SEP) 476 SIMPLE Retirement Plans 476 Funding Agency and Funding Instruments 477 Summary 478 ¦ Key Concepts and Terms 479 • Review Questions 480 Application Questions 480 ¦ Selected References 481 ¦ Notes 481 Case Application 480 CONTENTS xiii Insight 23.1: Ten Common Causes of Errors in Pension Calculation: Consumer Tips for Safeguarding Your Pension 467 Insight 23.2: Ten Common 401 (k) Mistakes 474 chapter 24 Social Insurance 482 Social Insurance 483 Old Age, Survivors, and Disability Insurance (OASDI) 485 Types of Benefits 486 Problems and Issues 495 Unemployment Insurance 498 Workers Compensation 501 Summary 506 ¦ Key Concepts and Terms 507 « Review Questions 507 Application Questions 507 ¦ Selected References 507 ¦ Notes 508 Case Application 508 Insight 24.1: Get the Picture on Your Social Security Benefits 492 Insight 24.2: How to Save Social Security: Check Out the Social Security Game 496 Insight 24.3: Social Insurance Programs and the September 11 Attacks 504 PART SIX The Insurance Industry 511 chapter 25 Types of Insurers and Marketing Systems 512 Types of Private Insurers 513 Agents and Brokers 519 Types of Marketing Systems 519 Mass Merchandising 522 Summary 523 • Key Concepts and Terms 524 • Review Questions 524 Application Questions 524 ¦ Selected References 525 ¦ Notes 525 Case Application 525 Insight 25.1: Holding Company Schemes: The Feeling Isn't Mutual 517 Insight 25.2: Payroll Plan Lets Workers Save Money and Checks 523 chapter 26 Insurance Company Operations 526 Insurance Company Operations 527 Rate Making 527 Underwriting 528 Production 532 Claim Settlement 533 Reinsurance 535 Investments 541 Other Insurance Company Functions 542 Summary 542 • Key Concepts and Terms 543 • Review Questions 543 Application Questions 544 ¦ Selected References 544 ¦ Notes 544 Case Application 545 xiv CONTENTS Insight 26.1: Frequently Asked Questions About the Medical Information Bureau 531 Insight 26.2: The September 11 Terrorist Attack: Analysis of the Impact on the Insurance Industry 538 Insight 26.3: Terrorist Attacks—New Federal Reinsurance Pool Proposed 540 chapter 27 Insurance Pricing 546 Objectives of Rate Making 547 Basic Definitions in Rate Making 548 Rate Making in Property and Liability Insurance 548 Rate Making in Life Insurance 551 Reserves in Property and Liability Insurance 556 Life Insurance Policy Reserves 560 Summary 562 ¦ Key Concepts and Terms 563 ¦ Review Questions 563 Application Questions 563 ¦ Selected References 564 ¦ Notes 564 Case Application 564 Insight 27.1: Profitability of the Insurance Industry and Other Industries 559 chapter 28 Government Regulation of Insurance 566 Reasons for Insurance Regulation 567 Historical Development of Insurance Regulation 568 Methods for Regulating Insurers 569 What Areas Are Regulated? 570 State Versus Federal Regulation 577 Current Issues in Insurance Regulation 579 Summary 588 ¦ Key Concepts and Terms 589 ¦ Review Questions 589 Application Questions 590 ¦ Selected References 590 ¦ Notes 591 Case Application 590 Insight 28.1: Auto Insurance Complaints in New York State 574 Insight 28.2: Insurance Department Report Card 586 Appendix A Homeowners 3 (Special Form) 593 Appendix B Personal Auto Policy 617 Appendix C Whole Life Policy 631 Appendix D Universal Life Policy 647 Glossary 657 Index 671
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spellingShingle	Rejda, George E. Principles of risk management and insurance Insurance Risk (Insurance) Risk management Risikomanagement (DE-588)4121590-4 gnd Versicherung (DE-588)4063173-4 gnd
subject_GND	(DE-588)4121590-4 (DE-588)4063173-4 (DE-588)4078704-7 (DE-588)4151278-9
title	Principles of risk management and insurance
title_auth	Principles of risk management and insurance
title_exact_search	Principles of risk management and insurance
title_exact_search_txtP	Principles of risk management and insurance
title_full	Principles of risk management and insurance George E. Rejda
title_fullStr	Principles of risk management and insurance George E. Rejda
title_full_unstemmed	Principles of risk management and insurance George E. Rejda
title_short	Principles of risk management and insurance
title_sort	principles of risk management and insurance
topic	Insurance Risk (Insurance) Risk management Risikomanagement (DE-588)4121590-4 gnd Versicherung (DE-588)4063173-4 gnd
topic_facet	Insurance Risk (Insurance) Risk management Risikomanagement Versicherung USA Einführung
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