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Unlike auto insurance, the frequency of claims

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Unlike auto insurance, the frequency of claims [#permalink]

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The Official Guide for GMAT Verbal Review 2017

Practice Question
Question No.: SC 293
Page: 273

Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.

(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims
[Reveal] Spoiler: OA

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 19 Aug 2013, 01:45
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D
Because of Parallelism.
the premiums for auto insurance... the premiums for personal property..

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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gpsao wrote:
Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.
(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
Cannot compare auto insurance with frequency of claims
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
Same as A..
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
Frequency of claims cannot be compared with premiums for personal property coverage
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
CORRECT... Proper comparision..!!!
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims
"with" shows that we comparing premiums for auto insurance + something else to premiums for personal property


RULE: Like/Unlike always followed by NOUN.

LIKE/UNLIKE never followed by a CLAUSE.


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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 27 Aug 2013, 16:31
"Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims...

To make it more concise, is it correct to skip repeated usage of premiums?

Unlike the premiums for auto insurance, these for personal property coverage are not affected by the frequency of claims...

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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umeshpatil wrote:
"Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims...

To make it more concise, is it correct to skip repeated usage of premiums?

Unlike the premiums for auto insurance, these for personal property coverage are not affected by the frequency of claims...


Hi umesh.

Good question! But you can not use "these" here.

(1) the premiums for auto insurance and the premiums for personal property are different. On the other hand, if you want to indicate a "New copy" of the antecedent, you must use "that" or "those". You use "these" or "this" if you indicate same antecedent.

(2) "That" or "Those" indicating a New copy must be modified. On the other hand, you have to add a description for the antecedent before using pronouns
Let see the first part: Unlike the premiums for auto insurance" <== It does not provide enough descriptions of the antecedent, so the pronoun "those of" is not be modified enough ==> the usage of pronoun "those for" is not correct.

If you want to use pronoun, the correct sentence should be: The premiums for auto insurance are affected by the frequency of claims, but those for personal property are not.

I would say the question from OG is good.

Hope it helps.
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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pqhai wrote:
umeshpatil wrote:
"Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims...

To make it more concise, is it correct to skip repeated usage of premiums?

Unlike the premiums for auto insurance, these for personal property coverage are not affected by the frequency of claims...


Hi umesh.

Good question! But you can not use "these" here.

(1) the premiums for auto insurance and the premiums for personal property are different. On the other hand, if you want to indicate a "New copy" of the antecedent, you must use "that" or "those". You use "these" or "this" if you indicate same antecedent.

(2) "That" or "Those" indicating a New copy must be modified. On the other hand, you have to add a description for the antecedent before using pronouns
Let see the first part: Unlike the premiums for auto insurance" <== It's not a complete sentence, so the usage of pronoun "those for" is not correct.

If you want to use pronoun, the correct sentence should be: The premiums for auto insurance are affected by the frequency of claims, but those for personal property are not.

I would say the question from OG is good.

Hope it helps.


Hi pqhai,

Let see the first part: Unlike the premiums for auto insurance" <== It's not a complete sentence, so the usage of pronoun "those for" is not correct.


During comparison, Like/Unlike is always followed by a noun. If we make it a complete sentence, then for clause we use "As" instead of "like/unlike" because we are comparing actions in that case.

If i say:
Like that of John, Mary's car is white.
As John has a white car, Mary has a white car.


Like John's car, that of Mary is white.

Here, "Unlike the John's Car" is not a clause, but still usage of "that" is correct.


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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 27 Aug 2013, 23:05
jaituteja wrote:
Hi pqhai,

Let see the first part: Unlike the premiums for auto insurance" <== It's not a complete sentence, so the usage of pronoun "those for" is not correct.


During comparison, Like/Unlike is always followed by a noun. If we make it a complete sentence, then for clause we use "As" instead of "like/unlike" because we are comparing actions in that case.

If i say:
Like that of John, Mary's car is white.
As John has a white car, Mary has a white car.


Like John's car, that of Mary is white.

Here, "Unlike the John's Car" is not a clause, but still usage of "that" is correct.


Thanks,
Jai

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Thanks Jai

Sorry for confusing. I say "It's not a complete sentence", I want to convey the idea the phrase "unlike....." does not provide enough description to hold a pronoun "those" valid (or the pronoun is not be modified enough). I will change my post a bit to avoid confusing.

Regarding your example, I, in turn, politely disagree with you.
You use pronoun "those" or "that to indicate "new copy" ==> A "new copy" must be modified. In other word, you have to add a description to indicate how the new copy is different from the previous version.

I think your example should be: Marry's car, unlike that of John's, is white <== "that" is pronoun which is a "new copy" of Marry's car. "that of John's" is modified by "Marry's car is white". Thus, the sentence is correct.

However, in your example, the clause "that of...." is a main clause and is not be modified by anything.

Any discussion is welcome.

Cheer :)


PS: I highly recommend MGMAT - Sentence correction - Chapter Pronoun which describes very well how to use pronoun properly. (Just my recommendation).
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 28 Aug 2013, 00:34
pqhai wrote:
jaituteja wrote:
Hi pqhai,

Let see the first part: Unlike the premiums for auto insurance" <== It's not a complete sentence, so the usage of pronoun "those for" is not correct.


During comparison, Like/Unlike is always followed by a noun. If we make it a complete sentence, then for clause we use "As" instead of "like/unlike" because we are comparing actions in that case.

If i say:
Like that of John, Mary's car is white.
As John has a white car, Mary has a white car.


Like John's car, that of Mary is white.

Here, "Unlike the John's Car" is not a clause, but still usage of "that" is correct.


Thanks,
Jai

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Thanks Jai

Sorry for confusing. I say "It's not a complete sentence", I want to convey the idea the phrase "unlike....." does not provide enough description to hold a pronoun "those" valid (or the pronoun is not be modified enough). I will change my post a bit to avoid confusing.

Regarding your example, I, in turn, politely disagree with you.
You use pronoun "those" or "that to indicate "new copy" ==> A "new copy" must be modified. In other word, you have to add a description to indicate how the new copy is different from the previous version.

I think your example should be: Marry's car, unlike that of John's, is white <== "that" is pronoun which is a "new copy" of Marry's car. "that of John's" is modified by "Marry's car is white". Thus, the sentence is correct.

However, in your example, the clause "that of...." is a main clause and is not be modified by anything.

Any discussion is welcome.

Cheer :)


PS: I highly recommend MGMAT - Sentence correction - Chapter Pronoun which describes very well how to use pronoun properly. (Just my recommendation).


Hi pqhai,

I agree with your explanation for the "new copy" thing.

I think Marry's car, unlike that of John's, is white is not correct.

It should be unlike that of John... since we are using "that" we don't need to use the possessive form of John.

the sentence should be
Marry's car, unlike that of John, is white

OR

Marry's car, unlike John's, is white

We are comparing the car of Marry to that of John,not mary's car to John.

Regarding your below statement,

However, in your example, the clause "that of...." is a main clause and is not be modified by anything.


I could not get your point.. Can you please elaborate.

Thanks,
Jai

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 28 Aug 2013, 10:39
jaituteja wrote:
Hi pqhai,

I agree with your explanation for the "new copy" thing.

I think Marry's car, unlike that of John's, is white is not correct.

It should be unlike that of John... since we are using "that" we don't need to use the possessive form of John.

the sentence should be
Marry's car, unlike that of John, is white

OR

Marry's car, unlike John's, is white

We are comparing the car of Marry to that of John,not mary's car to John.

Regarding your below statement,

However, in your example, the clause "that of...." is a main clause and is not be modified by anything.


I could not get your point.. Can you please elaborate.

Thanks,
Jai

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Hi Jai
Yes, we're comparing Marry's car with John's car. We do not compare Marry's car with John. You can see the possessive form - John's. If you repeat the same thing, we can omit the noun.==> John's means John's car.

Pronoun topic is huge. If you use pronoun, you will use a representative rather than repeat an antecedent. You just use "this, that, these, those" to indicate the antecedent. Logically, the readers need to understand the nature of the antecedent first. Therefore, pronouns must be modified.

For example:
Incorrect: Unlike John's car, that of Marry is white.
Because you're comparing X to Y. X is antecedent and Y is the pronoun. Logically, Y is just a new copy of X, so X must show its characteristics first.
In your sentence, "that" is the pronoun ==> it indicates something appears before it in the sentence ==> The "thing" appears before the pronoun must be understood by readers first. However, without a description about the pronoun, readers do not understand the nature of the antecedent. You cannot understand the phrase "Unlike John's car" if it stands alone.

Correct: Marry's car, unlike that of John, is white ==> The antecedent is Marry's car. Even without the pronoun, readers still understand the nature of Marry's car completely (Marry's car is white). Then the usage of pronoun (a new copy) will be correct.

Hope it helps.
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 30 Aug 2013, 09:24
USADream wrote:
Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.
(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims


Note the keyword "unlike" appears in all answer choices.

So because of that, all we need to do is make sure that the left side and right side of the comma are consistent.

In (A) - "auto insurance" is not consistent with "frequency of claims" - so don't even bother reading the rest of the answer choice.

Just glance down - and it is not until we get to (D) that we see "premiums" being compared with "being" - only then should we spend the time to actually read through (D).

This is a speed technique we implement in our fast solutions to SC that allows you to arrive at the correct answer without necessarily reading every answer choice.

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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Hello from the GMAT Club VerbalBot!

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 22 Jun 2016, 17:21
+1 for D.
Split 1 : Compare premiums with premiums, as that is the original intent. A, B and C are out.
Split 2 : E has S-V agreement error.

D is the winner.

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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D is the only answer choice that satisfies parallelism and subject-verb agreement.

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 23 Jun 2016, 09:24
USADream wrote:
Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.

(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims


Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims

Correct idiomatic usage of unlike is : Unlike X, Y

All except (D) are incorrect...
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 04 Jul 2016, 00:39
USADream wrote:
Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.
(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(E) Unlike with :?: :?: the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims



unlike x,y
x and y must be parallel

the premiums=x
the premiums=y

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 05 Jan 2017, 10:39
Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.
(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage - Illogical comparison- illogically compares auto insurance and the frequency of claims
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage - Unlike with is unidiomatic ; Subject-verb agreement issue - Frequency and do not affect
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims - illogically compares the frequency of claims and premiums
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims - Correct
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims - Unlike with is unidiomatic ; Subject-verb agreement issue - Premiums and is

Answer D
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 23 Aug 2017, 01:51
D is Correct - The contrast between the premiums for auto insurance and the premiums for personal property coverage is clearly and correctly stated in this sentence.
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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 30 Aug 2017, 13:03
Good to see this, I want to know about auto please, I check many Insurance but is there any post in which explained how to get auto insurance and is there any cheap?

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Re: Unlike auto insurance, the frequency of claims [#permalink]

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New post 16 Sep 2017, 10:12
(A) Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage
(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage
(C) Unlike the frequency of claims for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(D) Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims
(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims
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Re: Unlike auto insurance, the frequency of claims   [#permalink] 16 Sep 2017, 10:12

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