Off-road vehicleAn off-road vehicle (ORV), sometimes referred to as an off-highway vehicle (OHV), overland vehicle, or adventure vehicle, is considered to be any type of vehicle which is capable of driving off paved or gravel surfaces, such as trails and forest roads that have rough and low traction surfaces. These vehicles are generally characterized by having large tyres with deep, open treads, a flexible suspension, or even caterpillar tracks. Because of their versatility, several types of motorsports involve racing off-road vehicles.
Financial riskFinancial risk is any of various types of risk associated with financing, including financial transactions that include company loans in risk of default. Often it is understood to include only downside risk, meaning the potential for financial loss and uncertainty about its extent. A science has evolved around managing market and financial risk under the general title of modern portfolio theory initiated by Harry Markowitz in 1952 with his article, "Portfolio Selection".
Risk compensationRisk compensation is a theory which suggests that people typically adjust their behavior in response to perceived levels of risk, becoming more careful where they sense greater risk and less careful if they feel more protected. Although usually small in comparison to the fundamental benefits of safety interventions, it may result in a lower net benefit than expected or even higher risks. By way of example, it has been observed that motorists drove closer to the vehicle in front when the vehicles were fitted with anti-lock brakes.
Crash simulationA crash simulation is a virtual recreation of a destructive crash test of a car or a highway guard rail system using a computer simulation in order to examine the level of safety of the car and its occupants. Crash simulations are used by automakers during computer-aided engineering (CAE) analysis for crashworthiness in the computer-aided design (CAD) process of modelling new cars.
Crash testA crash test is a form of destructive testing usually performed in order to ensure safe design standards in crashworthiness and crash compatibility for various modes of transportation (see automobile safety) or related systems and components. Frontal-impact tests: which is what most people initially think of when asked about a crash test. Vehicles usually impact a solid concrete wall at a specified speed, but these can also be vehicle impacting vehicle tests.
Seat beltA seat belt, also known as a safety belt or spelled seatbelt, is a vehicle safety device designed to secure the driver or a passenger of a vehicle against harmful movement that may result during a collision or a sudden stop. A seat belt reduces the likelihood of death or serious injury in a traffic collision by reducing the force of secondary impacts with interior strike hazards, by keeping occupants positioned correctly for maximum effectiveness of the airbag (if equipped), and by preventing occupants being ejected from the vehicle in a crash or if the vehicle rolls over.
Vehicle insuranceVehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects.
