{
  "meta": {
    "title": "Insurance Planning Chapter 9 Exam Bank",
    "language": "zh-CN",
    "question_count": 30,
    "quality_version": "reliability_v2",
    "answer_distribution": {
      "A": 4,
      "B": 4,
      "C": 3,
      "D": 3
    },
    "note": "原创题库，用于学习和自测；不复制教材题目。选择题答案位置已打散，解释含错因。"
  },
  "questions": [
    {
      "id": "c9-q001",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "property_insurance"
      ],
      "learning_objective_id": "c9-lo01",
      "question": "关于 Property insurance，哪项判断最准确？",
      "choices": {
        "A": "保护被保险人自己的财产损失。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "replacement cost 等于房屋市场价。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Property insurance 的核心是：保护被保险人自己的财产损失。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。"
      },
      "explanation": "正确答案是 A。正确。Property insurance 的核心是：保护被保险人自己的财产损失。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "property_insurance",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q002",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "liability_insurance"
      ],
      "learning_objective_id": "c9-lo02",
      "question": "关于 Liability insurance，哪项判断最准确？",
      "choices": {
        "A": "comprehensive auto 表示所有车险风险全包。",
        "B": "保护被保险人因法律责任需要赔偿他人损害的风险。",
        "C": "replacement cost 等于房屋市场价。",
        "D": "umbrella 通常替代专业责任险和商业责任险。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "B": "正确。Liability insurance 的核心是：保护被保险人因法律责任需要赔偿他人损害的风险。",
        "C": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "D": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。"
      },
      "explanation": "正确答案是 B。正确。Liability insurance 的核心是：保护被保险人因法律责任需要赔偿他人损害的风险。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "liability_insurance",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q003",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "coverage_a_dwelling"
      ],
      "learning_objective_id": "c9-lo03",
      "question": "关于 HO Coverage A - Dwelling，哪项判断最准确？",
      "choices": {
        "A": "replacement cost 等于房屋市场价。",
        "B": "umbrella 通常替代专业责任险和商业责任险。",
        "C": "房主险中保护住宅主体结构。",
        "D": "liability coverage 赔自己的房屋主体损坏。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "B": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "C": "正确。HO Coverage A - Dwelling 的核心是：房主险中保护住宅主体结构。",
        "D": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。"
      },
      "explanation": "正确答案是 C。正确。HO Coverage A - Dwelling 的核心是：房主险中保护住宅主体结构。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "coverage_a_dwelling",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q004",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "coverage_c_personal_property"
      ],
      "learning_objective_id": "c9-lo04",
      "question": "关于 HO Coverage C - Personal property，哪项判断最准确？",
      "choices": {
        "A": "umbrella 通常替代专业责任险和商业责任险。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "保护个人财物，但常有特殊限额。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "正确。HO Coverage C - Personal property 的核心是：保护个人财物，但常有特殊限额。"
      },
      "explanation": "正确答案是 D。正确。HO Coverage C - Personal property 的核心是：保护个人财物，但常有特殊限额。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "coverage_c_personal_property",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q005",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "loss_of_use"
      ],
      "learning_objective_id": "c9-lo05",
      "question": "关于 Loss of use / Coverage D，哪项判断最准确？",
      "choices": {
        "A": "房屋因承保事故无法居住时支付额外生活费用。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "replacement cost 等于房屋市场价。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Loss of use / Coverage D 的核心是：房屋因承保事故无法居住时支付额外生活费用。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。"
      },
      "explanation": "正确答案是 A。正确。Loss of use / Coverage D 的核心是：房屋因承保事故无法居住时支付额外生活费用。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "loss_of_use",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q006",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "named_peril"
      ],
      "learning_objective_id": "c9-lo01",
      "question": "关于 Named peril，哪项判断最准确？",
      "choices": {
        "A": "comprehensive auto 表示所有车险风险全包。",
        "B": "只承保保单列明的风险。",
        "C": "replacement cost 等于房屋市场价。",
        "D": "umbrella 通常替代专业责任险和商业责任险。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "B": "正确。Named peril 的核心是：只承保保单列明的风险。",
        "C": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "D": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。"
      },
      "explanation": "正确答案是 B。正确。Named peril 的核心是：只承保保单列明的风险。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "named_peril",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q007",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "open_peril"
      ],
      "learning_objective_id": "c9-lo02",
      "question": "关于 Open peril，哪项判断最准确？",
      "choices": {
        "A": "replacement cost 等于房屋市场价。",
        "B": "umbrella 通常替代专业责任险和商业责任险。",
        "C": "除非保单排除，否则一般承保。",
        "D": "liability coverage 赔自己的房屋主体损坏。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "B": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "C": "正确。Open peril 的核心是：除非保单排除，否则一般承保。",
        "D": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。"
      },
      "explanation": "正确答案是 C。正确。Open peril 的核心是：除非保单排除，否则一般承保。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "open_peril",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q008",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "replacement_cost"
      ],
      "learning_objective_id": "c9-lo03",
      "question": "关于 Replacement cost，哪项判断最准确？",
      "choices": {
        "A": "umbrella 通常替代专业责任险和商业责任险。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "按重置或修复成本赔付，不扣折旧，受条款限制。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "正确。Replacement cost 的核心是：按重置或修复成本赔付，不扣折旧，受条款限制。"
      },
      "explanation": "正确答案是 D。正确。Replacement cost 的核心是：按重置或修复成本赔付，不扣折旧，受条款限制。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "replacement_cost",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q009",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "actual_cash_value"
      ],
      "learning_objective_id": "c9-lo04",
      "question": "关于 Actual cash value，哪项判断最准确？",
      "choices": {
        "A": "通常等于重置成本减折旧。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "replacement cost 等于房屋市场价。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Actual cash value 的核心是：通常等于重置成本减折旧。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。"
      },
      "explanation": "正确答案是 A。正确。Actual cash value 的核心是：通常等于重置成本减折旧。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "actual_cash_value",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q010",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "personal_auto_liability"
      ],
      "learning_objective_id": "c9-lo05",
      "question": "关于 Auto liability，哪项判断最准确？",
      "choices": {
        "A": "comprehensive auto 表示所有车险风险全包。",
        "B": "赔偿因被保险人驾驶造成他人人身或财产损害的法律责任。",
        "C": "replacement cost 等于房屋市场价。",
        "D": "umbrella 通常替代专业责任险和商业责任险。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "B": "正确。Auto liability 的核心是：赔偿因被保险人驾驶造成他人人身或财产损害的法律责任。",
        "C": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "D": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。"
      },
      "explanation": "正确答案是 B。正确。Auto liability 的核心是：赔偿因被保险人驾驶造成他人人身或财产损害的法律责任。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "personal_auto_liability",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q011",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "collision"
      ],
      "learning_objective_id": "c9-lo01",
      "question": "关于 Collision coverage，哪项判断最准确？",
      "choices": {
        "A": "replacement cost 等于房屋市场价。",
        "B": "umbrella 通常替代专业责任险和商业责任险。",
        "C": "赔自己的车因碰撞或翻车造成的损失。",
        "D": "liability coverage 赔自己的房屋主体损坏。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "B": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "C": "正确。Collision coverage 的核心是：赔自己的车因碰撞或翻车造成的损失。",
        "D": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。"
      },
      "explanation": "正确答案是 C。正确。Collision coverage 的核心是：赔自己的车因碰撞或翻车造成的损失。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "collision",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q012",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "comprehensive_auto"
      ],
      "learning_objective_id": "c9-lo02",
      "question": "关于 Comprehensive coverage，哪项判断最准确？",
      "choices": {
        "A": "umbrella 通常替代专业责任险和商业责任险。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "通常赔非碰撞车损，如盗窃、火灾、冰雹、动物。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "正确。Comprehensive coverage 的核心是：通常赔非碰撞车损，如盗窃、火灾、冰雹、动物。"
      },
      "explanation": "正确答案是 D。正确。Comprehensive coverage 的核心是：通常赔非碰撞车损，如盗窃、火灾、冰雹、动物。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "comprehensive_auto",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q013",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "um_uim"
      ],
      "learning_objective_id": "c9-lo03",
      "question": "关于 Uninsured/underinsured motorist，哪项判断最准确？",
      "choices": {
        "A": "对方无保险或保险不足时保护自己。",
        "B": "liability coverage 赔自己的房屋主体损坏。",
        "C": "comprehensive auto 表示所有车险风险全包。",
        "D": "replacement cost 等于房屋市场价。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Uninsured/underinsured motorist 的核心是：对方无保险或保险不足时保护自己。",
        "B": "错误。赔自己财产通常是 property coverage，liability 处理对第三方责任。",
        "C": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "D": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。"
      },
      "explanation": "正确答案是 A。正确。Uninsured/underinsured motorist 的核心是：对方无保险或保险不足时保护自己。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "um_uim",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q014",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "umbrella_liability"
      ],
      "learning_objective_id": "c9-lo04",
      "question": "关于 Umbrella liability，哪项判断最准确？",
      "choices": {
        "A": "comprehensive auto 表示所有车险风险全包。",
        "B": "在底层责任险限额之上提供高额超额责任保障。",
        "C": "replacement cost 等于房屋市场价。",
        "D": "umbrella 通常替代专业责任险和商业责任险。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。comprehensive 通常指非碰撞车损，不等于全险。",
        "B": "正确。Umbrella liability 的核心是：在底层责任险限额之上提供高额超额责任保障。",
        "C": "错误。replacement cost 关注重建/重置成本，不等于市场价或土地价值。",
        "D": "错误。umbrella 多为个人超额责任，不自动覆盖职业或商业风险。"
      },
      "explanation": "正确答案是 B。正确。Umbrella liability 的核心是：在底层责任险限额之上提供高额超额责任保障。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_9",
        "umbrella_liability",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q015",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "property_insurance",
        "liability_insurance",
        "coverage_a_dwelling"
      ],
      "question": "案例陷阱题：有房主险不等于洪水、地震、珠宝全额都保。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：有房主险不等于洪水、地震、珠宝全额都保。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：有房主险不等于洪水、地震、珠宝全额都保。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "tags": [
        "chapter_9",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q016",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "property_insurance",
        "liability_insurance",
        "coverage_a_dwelling"
      ],
      "question": "案例陷阱题：comprehensive auto 不是“全都赔”。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：comprehensive auto 不是“全都赔”。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：comprehensive auto 不是“全都赔”。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "tags": [
        "chapter_9",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q017",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "property_insurance",
        "liability_insurance",
        "coverage_a_dwelling"
      ],
      "question": "案例陷阱题：medical payments 不一定要求证明过错。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：medical payments 不一定要求证明过错。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：medical payments 不一定要求证明过错。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "tags": [
        "chapter_9",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q018",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "property_insurance",
        "liability_insurance",
        "coverage_a_dwelling"
      ],
      "question": "案例陷阱题：州最低车险限额不是高净值规划建议。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：州最低车险限额不是高净值规划建议。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：州最低车险限额不是高净值规划建议。。财产责任险要先分赔自己财产还是赔别人损害，再看 HO、PAP、umbrella 除外。",
      "tags": [
        "chapter_9",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q019",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "loss_of_use",
        "replacement_cost"
      ],
      "question": "比较 Loss of use / Coverage D 与 Replacement cost：考试中应如何分辨？",
      "answer": "Loss of use / Coverage D：房屋因承保事故无法居住时支付额外生活费用。；Replacement cost：按重置或修复成本赔付，不扣折旧，受条款限制。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Loss of use / Coverage D 的信号是 不是无限期生活补贴。；Replacement cost 的信号是 不是市场价格。。",
      "tags": [
        "chapter_9",
        "loss_of_use",
        "replacement_cost",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q020",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "named_peril",
        "actual_cash_value"
      ],
      "question": "比较 Named peril 与 Actual cash value：考试中应如何分辨？",
      "answer": "Named peril：只承保保单列明的风险。；Actual cash value：通常等于重置成本减折旧。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Named peril 的信号是 和 open peril 区分。；Actual cash value 的信号是 ACV 往往低于 replacement cost。。",
      "tags": [
        "chapter_9",
        "named_peril",
        "actual_cash_value",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q021",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "open_peril",
        "personal_auto_liability"
      ],
      "question": "比较 Open peril 与 Auto liability：考试中应如何分辨？",
      "answer": "Open peril：除非保单排除，否则一般承保。；Auto liability：赔偿因被保险人驾驶造成他人人身或财产损害的法律责任。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Open peril 的信号是 open peril 仍有 exclusions。；Auto liability 的信号是 不赔自己的车损。。",
      "tags": [
        "chapter_9",
        "open_peril",
        "personal_auto_liability",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q022",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "replacement_cost",
        "collision"
      ],
      "question": "比较 Replacement cost 与 Collision coverage：考试中应如何分辨？",
      "answer": "Replacement cost：按重置或修复成本赔付，不扣折旧，受条款限制。；Collision coverage：赔自己的车因碰撞或翻车造成的损失。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Replacement cost 的信号是 不是市场价格。；Collision coverage 的信号是 和 liability 区分。。",
      "tags": [
        "chapter_9",
        "replacement_cost",
        "collision",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q023",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "actual_cash_value",
        "comprehensive_auto"
      ],
      "question": "比较 Actual cash value 与 Comprehensive coverage：考试中应如何分辨？",
      "answer": "Actual cash value：通常等于重置成本减折旧。；Comprehensive coverage：通常赔非碰撞车损，如盗窃、火灾、冰雹、动物。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Actual cash value 的信号是 ACV 往往低于 replacement cost。；Comprehensive coverage 的信号是 comprehensive 不是所有风险全包。。",
      "tags": [
        "chapter_9",
        "actual_cash_value",
        "comprehensive_auto",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q024",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "personal_auto_liability",
        "um_uim"
      ],
      "question": "比较 Auto liability 与 Uninsured/underinsured motorist：考试中应如何分辨？",
      "answer": "Auto liability：赔偿因被保险人驾驶造成他人人身或财产损害的法律责任。；Uninsured/underinsured motorist：对方无保险或保险不足时保护自己。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Auto liability 的信号是 不赔自己的车损。；Uninsured/underinsured motorist 的信号是 不是替自己造成的责任买单。。",
      "tags": [
        "chapter_9",
        "personal_auto_liability",
        "um_uim",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q025",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "collision",
        "umbrella_liability"
      ],
      "question": "比较 Collision coverage 与 Umbrella liability：考试中应如何分辨？",
      "answer": "Collision coverage：赔自己的车因碰撞或翻车造成的损失。；Umbrella liability：在底层责任险限额之上提供高额超额责任保障。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Collision coverage 的信号是 和 liability 区分。；Umbrella liability 的信号是 通常不赔职业过失、故意行为、自己财产损失。。",
      "tags": [
        "chapter_9",
        "collision",
        "umbrella_liability",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q026",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "comprehensive_auto",
        "property_insurance"
      ],
      "question": "比较 Comprehensive coverage 与 Property insurance：考试中应如何分辨？",
      "answer": "Comprehensive coverage：通常赔非碰撞车损，如盗窃、火灾、冰雹、动物。；Property insurance：保护被保险人自己的财产损失。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Comprehensive coverage 的信号是 comprehensive 不是所有风险全包。；Property insurance 的信号是 不是赔别人受伤。。",
      "tags": [
        "chapter_9",
        "comprehensive_auto",
        "property_insurance",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q027",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "um_uim",
        "liability_insurance"
      ],
      "question": "比较 Uninsured/underinsured motorist 与 Liability insurance：考试中应如何分辨？",
      "answer": "Uninsured/underinsured motorist：对方无保险或保险不足时保护自己。；Liability insurance：保护被保险人因法律责任需要赔偿他人损害的风险。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Uninsured/underinsured motorist 的信号是 不是替自己造成的责任买单。；Liability insurance 的信号是 重点是对第三方的法律责任。。",
      "tags": [
        "chapter_9",
        "um_uim",
        "liability_insurance",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q028",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "umbrella_liability",
        "coverage_a_dwelling"
      ],
      "question": "比较 Umbrella liability 与 HO Coverage A - Dwelling：考试中应如何分辨？",
      "answer": "Umbrella liability：在底层责任险限额之上提供高额超额责任保障。；HO Coverage A - Dwelling：房主险中保护住宅主体结构。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Umbrella liability 的信号是 通常不赔职业过失、故意行为、自己财产损失。；HO Coverage A - Dwelling 的信号是 土地不是住宅重建成本。。",
      "tags": [
        "chapter_9",
        "umbrella_liability",
        "coverage_a_dwelling",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q029",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "property_insurance",
        "coverage_c_personal_property"
      ],
      "question": "比较 Property insurance 与 HO Coverage C - Personal property：考试中应如何分辨？",
      "answer": "Property insurance：保护被保险人自己的财产损失。；HO Coverage C - Personal property：保护个人财物，但常有特殊限额。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Property insurance 的信号是 不是赔别人受伤。；HO Coverage C - Personal property 的信号是 珠宝、艺术品等可能需要 scheduled property。。",
      "tags": [
        "chapter_9",
        "property_insurance",
        "coverage_c_personal_property",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c9-q030",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "liability_insurance",
        "loss_of_use"
      ],
      "question": "比较 Liability insurance 与 Loss of use / Coverage D：考试中应如何分辨？",
      "answer": "Liability insurance：保护被保险人因法律责任需要赔偿他人损害的风险。；Loss of use / Coverage D：房屋因承保事故无法居住时支付额外生活费用。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Liability insurance 的信号是 重点是对第三方的法律责任。；Loss of use / Coverage D 的信号是 不是无限期生活补贴。。",
      "tags": [
        "chapter_9",
        "liability_insurance",
        "loss_of_use",
        "comparison",
        "reliability_v2"
      ]
    }
  ]
}