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Flashcards in selected avocation, professional sports, and occupations Deck (78)
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1

what is the principal risk of avocation and occupational risks?

accidental death

2

what should be included in the u/w assesment of avocational risks?

1. trainning requirement
2. health/age/physical requirement
3. equipement requirement
4. level of expertise
5. frequency
6. location
7. impact of multiple avocations and hazardous acitivites
8. mortality rates and causes.

3

what is the most common rating used in assesing the extra-premiums risks associated with avocation and occupations

flat extras - the risl doesnt change with age or gender of the insurere.

4

what sources are available to an u.w when gathering informaiton regarding avocations?

1. application
2. acovation supplement/questionnaire
3. inspection report
4. underwriting manual
5. internet, specialty publications, government databases, trade journals, other
6. APS
7. information from the producer/agent

5

what are the 3 types of diving?

1. snorkeling
2. free diving
3. scuba diving

6

what is free diving?

no compressed air
can swim upto 100 feet deep (master certification)
can involve weights and go upto 230 feet deep
>not very comon

7

what is scuba diving?

involves use of specialized equipement to help remain submerged for a long time.
> comon

8

what is firm figured of scuba diving difficult to come accross?

records are kept voluntary and no single governing body for the sport.

9

why is it dificult to asses a certified scuba diver and linked fatalities

1. some dive uncertified
2. some are certified but never dive
3. some hold as many as 25 certificates, which results statistically as 25 divers.

10

there are many training program facilities to train scuba diving. What organizations run the training center in north america

1. PADI- trains 2/3 divers
2. NAUI
3. YMCA
4. HSA
5. international association of nitrox and technical divers.

11

what are the most common cerftificates held by amature recreational divers

1. student driver
2. open water diver
3. advanced open water diver.

12

what are the general physical requirements for divers? (as they do vary between organizations)

swim 200 yards
open eyes underwater,
hold breath
float for 10 mins
and swim underwater for 15 yards

13

what is the DAN and its purpose?

an international organization dedicated to keeping diving safety records (accidents and fatalities)

14

when do the majority of fatal diving accidents take place?

during recreational dives for pleasure purposes.

15

what is decompression accidents?

when divers come up to the surface from a deep dive too quickly. the air saturates the body under the pressure, during ascent air can suddenly erupt and expand explosively causing gas embolisms and pulmonary pneumothorax

16

what is nitrogen narcosis?

when divers dive too deeply and stay down too long, the nitrogen, and carbon dioxide have toxic effects, and cause hallucinations (the divers take off their masks and drown)

17

what is a rec-tech diver
?

divers who descend to depths beyond their technical tranning, they have poorer scuba safety records.

18

what are the most common chronic health disorders or habits present in people who die diving?

1. smoking
2. HTN/heart disease
3. diabetes
4. allergies
5. asthma

19

what are additional common chronic health disorders that contraindicate diving?

1. anemia
2. stroke
3. depression
4. epilepsy
5. obesity
6. valvular heart disease

20

what are the 3 most common acute health conditions found in people who die diving?

1. recent alcohol/drug use
3. recent orthopaedic injury
4. hangover and seasickness

21

what are some causes of death in terms of drowning during scuba diving?

drowning (60% of fatalities) >eg
running out of compressed air,
entranglement
air embolism
narcosis
panic*

22

Name 8 major organizations operating on a national level to organize automotive racing?

1. ARCA
2. CASCAR
3. IRL
4. IMSA
5. NASCAR
6. NHRA
7. SCCA* larges number of partidipants
8. USAC

23

name the 12 categories of automotive raving

1. single-seater racing
2. touring car racing
2. production car racing
3. one-make, or single marque championships
4. stock car racing
5. rallying or rally racing
6. targa
8. drag
9. sports car
10. off-road racing
11. kart racing
12. historical racing

24

mortality rates for auto racing are influenced by what factors?

1. speed.
2. vehicle design and safety features
3. fuel type
4. driver experience, age and health,
5. track and track conditions.

25

What is the most common cause of death in automotive racing?

collision with another racing participant or track structure.

26

What percent of reported motorcycle accident results in injury or death?

80% (compared to the 20% in automotive)

27

what are sanctioning organizations for motorcycle rating?

FIM (98% of the national associations).
AMA

28

wha are the 2 broad categories of events with several subgroups of racing?

tarmac (asphalt)
off road

29

what are the the 5 types of tarmac raving?

1. road racing, (circuits)
2. grand prix (3 classes categories by engine size)
3. supersport and superbike racing
4. endurance racing
5. drag racing and sprints

30

what are the 8 types of off road racing?

1. motorcross (MX)
2. supercross (SX)
3. enduro and cross-country
4. hare scramble
5. freestyle motorcross competition
6. cross country events
7. track racing
8. hill climbing