According to the text, the main method of causal research is a panel

Terry works doing oil changes and is sick and tired of rude customers. Terry decides to purposely use the wrong type of oil for the next rude customer knowing that it will harm the customer's engine in the long run but won't be traceable or noticed immediately. Terry is considering sabotaging the next rude customer's care, a form of _______.

Fill in the blank(s) with the appropriate word(s).

The 2005 PAP states that the insurer has no duty to provide coverage if the insured fails to comply with certain listed duties. In practice, however, the insurer is only relieved of its duty to provide coverage if

A) the insured was unaware of the listed duties. B) failure to comply with the duties is prejudicial to the insurer. C) the claim involves bodily injuries of more than $50,000. D) the claim occurred in another state.