Adverse selection is a phenomenon wherein the insurer is confronted with the probability of loss due to risk not factored in at the time of sale. Definition: Adverse selection is a phenomenon wherein the insurer is confronted with the probability of loss due to risk not factored in at the time of sale.
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HOPKINTON, the fifth town erected by an Act of the Legislature passed March 2, 1805. It comprised a very large territory bordering on Franklin county, and was taken from the southerly portion of Massena and included Islington, Catharineville, and so much of Chesterfield as had been annexed to Massena.