A Recent Research Study on Alcoholism Suggests That Use of Illegal

question 31

Multiple Choice

A recent research study on alcoholism suggests that use of illegal drugs is influenced by environmental factors, but abuse and dependence are more influenced by factors.

• A) genetic
• B) psychological
• C) non-biological
• D) cultural

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Definitions:

Low-risk Driver

A motorist considered less likely to file an insurance claim based on factors like driving history, thereby often enjoying lower insurance premiums.

Insurance Premiums

Regular payments made to an insurance company in exchange for coverage.

No-fault Insurance

An insurance policy where each party's insurance company pays for their own losses, regardless of who was at fault in the incident.

Short-rate Refund

A partial refund of an insurance premium, calculated using the short-rate method, which accounts for administrative costs and the increased risk to the insurer of policies cancelled before their original expiration.