阅读理解Insurancecompaniesprovideaservicetothecommunitybyprotectingitagainst

阅读理解Insurance panies provide a service to the munity by protecting it against expected and unexpected disasters. Before an insurance pany will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote(报价) low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the pany charges a much higher price. If too many climbers have accidents, the price rises further. If the majority of climbers fall off mountains, the pany will refuse to insure them.
An ordinary householder may wish to protect his home against fire or his property against burglary(入室行窃). A shopkeeper may wish to insure against theft. In normal cases, the pany will check its statistics and quote a premium(保险费). If it is suspicious(可疑的), it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance pany. He can be sure that the fire will be investigated most carefully. Insurance panies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to panies with an accident-free record.
Every week, insurance panies receive premium payments from customers. These payments can form a very large total running into millions of dollars. The pany does not leave the money in the bank. It invests (投资) in property, shares (股票) ,farms and even paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the munity.1.The main idea of the first paragraph is that      .A.insurance panies protect the munity against disastersB.insurance panies often collect accurate figures about the riskC.insurance panies base their decisions on the risk involvedD.insurance panies charge different prices in the same cases2.The insurance pany will usually investigate a suspicious claim to    .A.refuse to quote the insurance feeB.make sure that the claim is reasonableC.decide how much the pany should payD.find out when the accident happened3.The underlined word "premises" in Paragraph 2 most probably means"     "A.land and buildingsB.insurance contractC.debt papersD.financial papers4.The author’s attitude towards customers’ premium payments being used by insurance panies is __A.criticalB.doubtfulC.neutralD.positive5.The purpose of this passage is to __A.explain how insurance panies operateB.encourage people to invest in insurance paniesC.persuade people to insure against unexpected disastersD.advise people how to insure their life and property