单选题The medical board, concerned by the drop in insurance payments and the failure of the accounting department to obtain the anticipated funds, resolved to pursue legal action against the insurance company.A concerned by the drop in insurance payments and
题目
单选题
The medical board, concerned by the drop in insurance payments and the failure of the accounting department to obtain the anticipated funds, resolved to pursue legal action against the insurance company.
A
concerned by the drop in insurance payments and the failure of the accounting department to obtain
B
concerning the drop in payments by insurance and the failure of the accounting department to obtain
C
because of its concern for the dropping insurance payments and the accounting department’s failure at obtaining
D
in its concern that the drop in insurance payments and the failure of the accounting department to obtain
E
being concerned about the drop in insurance payments and the accounting department falling to obtain
相似考题
更多“单选题The medical board, concerned by the drop in insurance payments and the failure of the accounting department to obtain the anticipated funds, resolved to pursue legal action against the insurance company.A concerned by the drop in insurance payments and”相关问题
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第1题：
Your claim for the damage is to be ()with the insurance company.
A、met
B、filed
C、satisfied
D、compensated
参考答案：B
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第2题：
An even worse consequence of medical ID theft is______.
A．some trouble in obtaining insurance payments
B．a big loss of money and damage to credit rating
C．the widely spread medical information of the victim
D．the difficulty in changing the wrong medical history
正确答案：D
解析：细节题。题干大意：医疗身份欺骗的一个更为严重的后果是什么?根据第五段第二句“…his medical history became part of…Call be extremely difficult. ”可知医疗身份欺骗的一个更为严重的后果是错误的医疗历史记录很难改变。因此D项是正确选项。 -
第3题：
When the carrier is liable for the compensation in respect of loss of or damage to the goods，such compensation shall be calculated on the basis of the Merchant's net invoice cost，plus freight and insurance premium，if paid． This sentence means that ______.
A.if the freight and insurance premium are paid，they shall be added to the basis
B.if the freight and insurance premium are not paid，they shall be added to the basis
C.the freight and insurance premium shall not be added to the basis even they are paid
D.the freight and insurance premium shall be added to the basis even they are not paid
正确答案：A
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第4题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee._________(6)
A: our
B:its
C:his
D:their答案：D解析： -
第5题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.A.the premium paid by the person previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above答案：D解析：细节题。根据第二段中“The funds will come from the individual’s premium，the premium paid by others who did not have losses，and money from the company’s investment of all the premiums．”可知，A、B、C三项内容都包含在内。故选D。 -
第6题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Earthquakes can cause a variety of direct damage and______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：A解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第7题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Insurance companies also adjust their______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：B解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第8题：
What is Lloyd.s?（）
- A、It is a famous bank.
- B、It is a big department store.
- C、It is a famous insurance company.
- D、It is a large hotel.
正确答案:C -
第9题：
The （）is the consideration which the insurers receive from the assured in exchange for their undertaking to pay the sum insured in the event insured against.
- A、insurance amount
- B、insurance premium
- C、amount of compensation
- D、salvage charges
正确答案:B -
第10题：
多选题A documentary credit for usd 150,000 calls for a full set of bills of lading and an insurance certificate to cover all risks. The bill of lading presented indicates an on board date of 15 december. Which of the following insurance documents are acceptable？（）APolicy for usd 185，000
BCertificate dated 17 december
CDeclaration signed by a broker
DSubject to a franchise
正确答案： D,B解析： 暂无解析 -
第11题：
问答题Practice 5 Read the following text(s) and write an essay to 1) summarize the main points of the text(s), 2) make clear your own viewpoint, and 3) justify your stand. In your essay, make full use of the information provided in the text(s). If you use more than three consecutive words from the text(s), use quotation marks (“ ”). You should write 160—200 words on the ANSWER SHEET. Smoking influences citizen’s health and also pollutes our living environment. Recently, Chen Zhu, minister of Health, said that the government should gradually include anti-addiction counseling and drugs in basic medical insurance coverage. Should anti-addiction be covered in medical insurance? The following are the supporters’ and opponents’ opinions. Supporters: Smoking is now the biggest threat to human health. Through medical insurance to pay for their anti-addition drugs, smokers are more likely to have a try to quit smoking. It is hardly possible for smokers to quit smoking by their own efforts. If anti-addiction counseling and drugs are included in basic medical insurance coverage, smokers are more than willing to seek professional doctor for help and thus increase the chance of success. Helping smokers keep away from addiction not only benefits the smokers themselves, but also those around them, which is of great potential public health significance. In addition, the cost of using medical insurance to pay for anti-addiction is much lower than that to treat chronic diseases in the future. Opponents: Looking at the number of people who are smokers versus the great majority who aren't, it's much fairer to put the costs on the backs of those who cause them rather than on the backs of the great majority who don't smoke. Anti-addiction drugs are used to prevent diseases, which is supposed to be paid from the public health or disease control, but not from medical insurance fund. If anti-addition is covered in medical insurance, with 270 million smokers in China, how can the insurance bear it? In terms of 3000 RMB per person, we need 810 billion for medical insurance fund, while in 2010, the total income of urban basic medical insurance fund is only 430.9 billion.正确答案： 【范文】
With the announcement that government is on the road of packing anti-smoking drugs in the medical insurance coverage, there is a heated public controversy. Supporters believe that this measure encourages smokers to quit smoking, increasing the chance of success. Opponents argue that there are too many smokers in China, so it is unfair for non-smokers to pay for the cost. As regards this issue, I am of the opinion that anti-addiction should be covered in the medical insurance.
For one thing, although smoking is a personal habit, the harm it brings about affects all the people in the country, even in the world because it can not only destruct the health of both the smoker and the people surrounding him, but also cause environmental pollution. Hence, the act to cover anti-addiction in medical insurance by government is beneficial to the society. For another, packing anti-smoking medicine into medical insurance coverage encourages more smokers to take the initiative to give up smoking. Usually when they have to pay for the abandonment of smoking, smokers are less willing to show an active and positive attitude towards the non-smoking program. However, if this service is free, they may be more inclined to have a try.
All in all, smoking is not just a personal habit, but also a serious social problem. Our planet cannot bear this choking air any more and we should take actions immediately to support the anti-addiction program by having anti-smoking drugs covered into medical insurance.解析： 暂无解析 -
第12题：
单选题What is Lloyd.s?（）AIt is a famous bank.
BIt is a big department store.
CIt is a famous insurance company.
DIt is a large hotel.
正确答案： B解析： 暂无解析 -
第13题：
Insurance brokers are generally more familiar with the technicalities of the business of insurance.(英译中)参考答案：保险经纪人通常较为熟悉保险业务的技术。
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第14题：
What is the obstacle that poor countries might experience in preparing their disaster insurance?（ ）
[A] It is not easy to explain the important items of insurance in normal times.
[B] The severity of the disaster is not big enough to trigger a payout.
[C] The insurance premiums are too expensive for poor countries to afford.
[D] The insurance payout can't meet the need for recovery.
正确答案：C
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第15题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee._________(12)
A: after
B: if
C: before
D: since答案：C解析： -
第16题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is NOT TRUE?A.The first rule of the game in insurance business was devised hundreds of years ago.
B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters.
C.An individual who pays premium for a policy is insured by an insurance company.
D.An individual pays premium directly to an insurance company.答案：D解析：细节题。根据第二段中“an individual pays a small amount of money called a premium(保险费)to an agent who acts on behalf of an insurance company，or underwriter”可知，个人把保险费付给保险代理人而非直接付给保险公司。D项说法不正确。 -
第17题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Paragraph 3______
A:What's the Main Problem of Earthquake Insurance?
B:What Damages Can an Earthquake Cause?
C:How to Buy an Earthquake Insurance?
D:What Is an Earthquake Insurance?
E:Where Does Earthquake Happen Frequently?
F: What Does an Earthquake Insurance Contain?答案：F解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第18题：
共用题干
Earthquake Insurance
1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.
2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.
3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.
4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.
5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.The insurance paid for earthquake depends on the type of insurance and______.
A:indirect damage
B:risk pools
C:government disaster funds
D:the nature of the damage
E:insurance policies
F: prices答案：D解析：第一段开宗明义，介绍地震保险是……实际上就是对地震保险下定义，很明显，就是要告诉读者什么是地震保险。所以选择D。
第二段第一句：Earthquakes can cause a variety of damage to a home…意思是地震会给一个家庭带来各种破坏……显然是在讲地震带来的危害。B选项What damages can a earthquake cause（地震会带来什么危害）与该段表述一致。
该段第一句：When homeowners purchase earthquake insurance, they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage, like a fire caused by broken gas lines．当人们购买了地震保险之后，他们就可以规避在地震中受到的直接损失和间接损失。很显然，该段说的是地震保险的主要保障内容。因而F 选项（地震保险主要包括哪些内容）与该段意思一致。
通过第五段第二句The problem with adverse selection for insurance companies is that it decreases the pool of customers, making potential payouts very expensive可以得出，该段主要是在讲地震保险运行中的一些问题，所以A项意思与原文表达一致。
通过文中第一段第二句In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earth-quake, people rely less on government disaster funds and more on their own insurance policies可以得出答案为E选项（insurance policies)。
文中第二段第二句：Indirect damage caused by neighboring collapses of structures and freeways can also occur．也会发生邻居房屋或高速公路倒塌对自家房屋造成的间接破坏。可以得出选项A比较合适。
文中第三段第三句：The insurance may pay for a complete replacement of the structure, or a remodel, depending on the type of insurance and the nature of the damage．可以从文中找到出处，所以选项D正确。
通过文中第五段第二句Insurance companies also adjust their risk pools carefully…可以推断出选项B。 -
第19题：
What is Lloyd.s?（）
AIt is a famous bank.
BIt is a big department store.
CIt is a famous insurance company.
DIt is a large hotel.
C
略 -
第20题：
In the Configuration Manager， under the WebSphere Commerce Instance Properties， what is the Payments panel used for？ It allows an Administrator to：（）
- A、drop and re-create the WebSphere Commerce Payments database.
- B、stop and start the Payment Engine.
- C、configure WebSphere Commerce Server communication with WebSphere Commerce Payments Server.
- D、specify what type of Database software will be used for the WebSphere Commerce Payments database.
正确答案:C -
第21题：
单选题A recent spate of art thefts at a major museum has led to a drastic increase in the insurance premiums that the museum must pay to insure its collection. Many art fans are concerned that the museum, which traditionally has charged no entrance fee, will be forced to charge a high entrance fee in order to pay for the increased insurance premiums. Which of the following, if true, would most alleviate the concern of the art fans that the museum will be forced to charge high entrance fees?ALaw enforcement officials recently apprehended the Belgian Bobcat, a notorious art thief who has been linked to at least 20 art heists.
BCiting a dispute with the insurance company over the terms of its coverage, the museum has chosen to cancel its insurance policy.
CThe majority of visitors to the museum are schoolchildren, who could not reasonably be expected to pay a high entrance fee.
DThe museum pays for the majority of its total expenses from its large endowment, which is earmarked specifically for purchasing new art.
EThe museum recently installed a state-of-the-art burglar alarm system that will make future thefts almost impossible.
正确答案： A解析：
游客们进入博物馆需要购买门票的原因是，博物馆要购买高额的财务保险；如果博物馆不再购买保险，那么游客们进入博物馆也就不需要购买门票了，故本题应选B项。 -
第22题：
单选题Different insurance companies charge almost the same prices for insurance policies.ARight.
BWrong.
CDoesn’t say.
正确答案： B解析：
第三段明确指出“The cost varies greatly between companies”,，由此可知本题“不同的保险公司要价几乎相同”是错误的。 -
第23题：
单选题The medical board, concerned by the drop in insurance payments and the failure of the accounting department to obtain the anticipated funds, resolved to pursue legal action against the insurance company.Aconcerned by the drop in insurance payments and the failure of the accounting department to obtain
Bconcerning the drop in payments by insurance and the failure of the accounting department to obtain
Cbecause of its concern for the dropping insurance payments and the accounting department’s failure at obtaining
Din its concern that the drop in insurance payments and the failure of the accounting department to obtain
Ebeing concerned about the drop in insurance payments and the accounting department falling to obtain
正确答案： D解析：
B项表意不明；C项“failure at obtaining”不符合习惯表达；D项结构不完整；E项中“being concerned about the drop”不符合习惯表达，故本题应选A项。 -
第24题：
单选题When the carrier is liable for the compensation in respect of loss of or damage to the goods，such compensation shall be calculated on the basis of the Merchant’s net invoice cost，plus freight and insurance premium，if paid. This sentence means that（）.Aif the freight and insurance premium are paid，they shall be added to the basis
Bif the freight and insurance premium are not paid，they shall be added to the basis
Cthe freight and insurance premium shall not be added to the basis even they are paid
Dthe freight and insurance premium shall be added to the basis even they are not paid
正确答案： A解析： 暂无解析