Luis arrives home from work one day to discover that his apartment building is on fire. He drives directly to an insurance agency to buy renters insurance, since he realized he didn't have coverage for this loss
Luis does not tell his agent that the building is on fire. There is also not a question on the application for coverage that asks if Luis' apartment is currently on fire. Luis pays the first premium, and the agent issues a coverage binder. Which of the following statements is/are true?
I. Luis committed a misrepresentation, so coverage may be voided at the option of the insurer.
II. Luis breached a warranty, but the insurer will have to prove he did so fraudulently in order to deny coverage.
III. Luis committed a concealment that was material to the risk, thus his coverage can be voided by the insurer as long as the insurer can prove that he concealed the fact with fraudulent intentions.
A) I
B) I and III
C) III
D) II and III
C
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Which of the following best describes bias-free language?
A) Bias-free language is often unethical. B) Bias-free language makes the user sound prejudiced. C) Bias-free language avoids words and phrases that unfairly stigmatize people. D) Bias-free language supports the stereotypes and prejudices that it reflects. E) Bias-free language communicates from the audience's point of view and generally supports the audience's interests and preferences.
Every time a search is made using keywords related to construction, search engines display text-based advertisements and links to Regan Builders, a construction firm. The marketing tool used by Regan Builders is best referred to as a ________
A) display advertisement B) contextual advertisement C) digital catalog D) community Web site E) Web blog