问题 单项选择题

在产品责任保险中,保险人承担赔偿责任的两个先决条件是( )。

A.意外、偶然发生

B.按预料发生,产品所有权转移至用户

C.意外、偶然发生且产品所有权必须已转移至用户

D.意外发生,且事故发生在被保险人制造或销售场所

答案

参考答案:C

解析: 保险人在产品责任保险项下承担造成用户损害的产品责任事故,必须具有“意外”、“偶然’’的性质,而非被保险人事先所能预料的。除此之外,产品责任事故必须发生在被保险人制造或销售场所以外的地方,而且产品的所有权必须已转移至用户。

单项选择题
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Anne Whitney, a sophomore(二年级学生) at Colorado State University, first had a problem taking tests when she began college. "I was always well prepared for my tests. Sometimes I studied for weeks before a test. Yet I would go in to take the test, only to find I could not answer the questions correctly. I would blank out because of nervousness and fear. I couldn’t think of the answer. My low grades on the tests did not show what I knew to the teacher ."  Another student in microbiology and similar experiences. He said ,"My first chemistry test was very difficult. Then, on the second test, I sat down to take it, and I was so nervous that I was shaking. My hands were moving up and down so quickly that it was hard to hold my pencil. I knew the material and I knew the answers. Yet I couldn’t even write them down!"

These two young students were experiencing something called test anxiety. Because a student worries and it uneasy about a test, his or her mind does not work as well as it usually does. The student can’t write or think clearly because of the extreme tension and nervousness. Although poor grades are often a result of poor study habits, sometimes test anxiety causes the low grades. Recently, test anxiety had been recognized as a real problem, not just an excuse or a false explanation of lazy students.

Special university counseling courses try to help students. In these courses, counselors try to help students by teaching them how to manage test anxiety .At some universities, students take tests to measure their anxiety. If the tests show their anxiety is high, the students can take short courses to help them deal with their tension. These courses teach students how to relax their bodies .Students are trained to become calm in very tense situations. By controlling their nervousness, they can let their minds work at ease .Learned information then comes out without difficulty on a test.

An expert at the University of California explains. "With almost all students, relaxation and less stress are felt after taking out program .Most of then experience better control during their tests. Almost all have some improvement. With some, the improvement is very great."

小题1:To "blank out" is probably______.

A.to be like a blanket

B.to be sure of an answer

C.to be unable to think clearly

D.to show knowledge to the teacher小题2:Poor grades are usually the result of _______.

A.poor hygienic(卫生的) habits

B.laziness

C.lack of sleep

D.being unable to form good study habits小题3:Test anxiety has been recognized as _______.

A.an excuse for laziness

B.the result of poor habits

C.a real problem

D.something that can’t be changed小题4:To deal with this problem, students say they want to ______.

A .take a short course on anxiety           

B read about anxiety

C. be able to manage or understand their anxiety

D take test to prove they are not anxiety

小题5:A University of California counselor said_______.

A.all students could overcome the anxiety after taking a special test anxiety program

B.almost all students felt less stress after taking a University of California counseling course

C.students found it difficult to improve even though they had taken a special test anxiety course

D.students found it easy to relax as soon as they entered a University of California counseling course