Insurance deals primarily with loss exposures that are fortuitous. Which one of the following statements best characterizes fortuitous losses?

Insurance deals primarily with loss exposures that are fortuitous. Which one of the following statements best characterizes fortuitous losses? 



A. Fortuitous losses are beyond the insured's control.
B. Fortuitous loss exposures are expected.
C. Fortuitous loss exposures are generally predictable.
D. Fortuitous losses are intentional.


Answer: A. Fortuitous losses are beyond the insured's control.

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