18) A difference between a contract issued on a "named peril basis versus an "open perilor basis is: al l-risk" 18) A) in the "open peril" or "all risk" contract there are no exclusions to loss ed peril" contract is usually more expensive than the "open peril" contract C) in the "named peril" contract the insured must prove the peril is covered where in the "open peril" contract the burden of proof is on the insurer to show no coverage D) the 'named peril contract usually covers more perils 19) Arthur is driving home from work when he runs off the road and hits a telephone pole. These are 19) the losses he suffers: $12,000 to repair the damage to his car, and, $800 to rent a car while his car is being repaired. What is the correct name for each of these losses? A) The total loss of $12,800 is a direct loss B) The $12,000 is an indirect loss, and the $800 is a direct loss C) The $12,000 is a direct loss, and the $800 is an indirect loss D) The $12,000 is a direct loss, and the $800 is also a direct loss