I'm trying to offer more points but I dont know how to do it. I will offer more points if you help me with this

Please I need help with these questions:

1- Billy Bob has a 1995 Chevy truck with limited market value (not worth a lot of money). He is unsure about how he should manage the risk of an accident. Choose the best risk management technique for Billy Bob.

a) Collision Insurance

b) Loss control

c) Avoidance

d) Retention

2- Essential for an insurable exposure is:

a) Calculable chance of loss

b) The loss must be anticipated

c) none of the above

d) both of the above

3- The job of preparing equitable classification systems and rate schedules belongs to:

a) Economists

b) Underwriters

c) Statisticians

d) Actuaries

4- As the number of exposure units increases the variation between actual and expected losses will:

a) Also increases, but the percentage of variation will decreaase

b) Decrease and the percentage of variation will decrease

c) Also increase as will the percentage of variation

d) Decrease, but the percentage of variation will increase

5- Regarding enterprise risk management, which of the following is NOT true?

a) Is necessary because of adverse changes in prices, rates, and the value of money

b) It includes pure, speculative, strategic, operational, and financial risk

c) It only considers oure risks faced by a firm

d) It combines many unified treatment porgrams to face risks.

6) JKL insurance company estimates that 14 out of every 100 homeowners it insures will file a claim each year. Last year JKL insured 200 homeowners. According to the law of large numbers, what should happen if JKL insures 2,000 homeowners this year?

a) The total number of claims filed by JKL policy owners should decrease

b) The total dollar value of claims settled should decrease

c) The average size of loss should decline in value.

d) The actual results will closely approach the expected results.

7- Coverage that protects the insured against third party clamis for bodily injury or property damage caused by negligence or imposed by statute or contract is:

a) Physical damage or loss coverage

b) Loss of income and extra expense coverage.

c) Liability coverage

d) Surety coverage.