Which situation would NOT allow XYZ Insurance to immediately raise Kate's policy premium?

When considering the scenarios in which XYZ Insurance could immediately raise Kate's policy premium, moving and updating her address is a situation that would typically not trigger an immediate premium increase. This is because a change of address alone does not inherently indicate a higher risk or a higher likelihood of claims for the insurance company.

In contrast, the other scenarios—filing a claim for an accident, adding a new car, or being involved in multiple accidents—represent situations that could impact the risk assessment from the insurer’s perspective. Filing a claim signifies that there has been a loss event, which may lead to an evaluation of increased risk, thus potentially increasing the premium. Similarly, adding a new car can alter the overall risk profile, considering factors like the new car's safety ratings and its value. Being involved in multiple accidents clearly indicates a pattern of risk that would justify an increase in the premium to cover the heightened likelihood of future claims.

Updating an address may affect the risk if the new location is in a riskier area, but this assessment is usually conducted on a case-by-case basis and may not lead to an immediate premium change unless combined with other risk factors. Therefore, the situation of moving and updating an address is the one that typically wouldn't prompt an immediate