essay about the impact of unsafe personal behavior (e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.

April 12, 2023April 12, 2023 Discipline: Finance

essay about the impact of unsafe personal behavior

(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]essay about the impact of unsafe personal behavior
(e.g., reckless driving, smoking tobacco…) on the insurance premiums we pay.
Specifically, focus on the impact of unnecessary claims on others who buy insurance
too and therefore share in the cost of our claims. Grades will be based on content as
well as on creativity. Credit will not be given for poorly written papers. The
professor will gladly provide feedback during the writing process. Students will need
to upload the final version of their essays to Canvas, which checks for plagiarism. Be
sure to include citations and a references section. A four-trait rubric will be used to
grade student papers:
 Trait One: Content. The content is rich and demonstrates the student
researched the topic very well [6 points].
 Trait Two: Followed Instructions. The student followed the instructions
(e.g. Twelve-point font, double-spaced, 1,250 words plus exhibits,
references page) [2 points]
 Trait Three: Tone. The tone throughout the paper is appropriate for an
academic paper. [1 point]
 Trait Three: Writing. The writing is appropriate and free of errors. [6
points]

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