Alabama Insurance Adjuster Practice Exam

Which of the following is a defined hazard?

1. Driving without a seatbelt

2. A driver's tendency to text while driving

3. Walking on a rainy day

4. Having an alarm system in place

The correct answer is: A driver's tendency to text while driving

The defined hazard in this context is the driver's tendency to text while driving. This behavior directly increases the likelihood of an accident, making it a specific and identifiable risk associated with driving. Defined hazards are typically behaviors, actions, or conditions that are known to elevate the risk of loss or damage. In this case, texting while driving distracts the driver and impairs their ability to focus on the road, leading to a greater chance of a collision. On the other hand, the other options represent behaviors or conditions that do not specifically signify a defined hazard in the same context. Driving without a seatbelt is a safety violation and certainly increases risk, but it is more about compliance with safety regulations rather than a defined hazard. Walking on a rainy day is situational and can be risky depending on other factors, but it does not directly correlate with an increased risk in a defined manner. Having an alarm system in place is a preventive measure designed to minimize risk; however, it is not a hazard itself. The focus on texting while driving highlights an identifiable and dangerous behavior that significantly contributes to the potential for accidents.