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.


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,


In-depth Explanation and Correct Answer Below (so you don’t see it while reviewing the question)

unlike auto insurance, the frequency of claims

Unlike auto insurance, the frequency of claims… Explanation

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

Insurance vs frequency of claims. Not parallel.

(B) Unlike with auto insurance, the frequency of claims do not affect the premiums for personal property coverage

Insurance vs frequency of claims. Not parallel. The frequency DOES (subject verb agreement).

(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 vs Premiums. Not parallel.

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

Premiums vs Premiums.

(E) Unlike with the premiums for auto insurance, the premiums for personal property coverage is not affected by the frequency of claims

Premiums vs Premiums. The premiums ARE (subject verb agreement).

Correct Answer: D

For some SC guidance, here’s a link to a breakdown of GMAT sentence correction.