Janet Was Unable to Obtain Auto Insurance in the Voluntary

question 40

Multiple Choice

Janet was unable to obtain auto insurance in the voluntary insurance market.She was contacted by the state insurance department and notified that XYZ Insurance would be her insurer.The mechanism used in Janet's state to provide auto insurance to high-risk drivers is a(n)

• A)automobile insurance plan.
• B)joint underwriting association.
• C)specialty automobile insurer.
• D)reinsurance facility.

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Definitions:

Oncogene

An oncogene is a normal gene whose function, when altered by mutation, has the potential to cause cancer.

BRCA1

A gene associated with a higher risk of breast and ovarian cancer when mutated; it plays a crucial role in DNA repair.

Neutrally Evolving Allele

An allele that changes in frequency within a population without being under the influence of natural selection, due to random genetic drift.

Coalescent Events

Points in time where two or more genetic lineages have a common ancestor, used in models predicting the genetic structure of populations over time.