Which of these expenses would be considered an emergency?

An emergency expense is typically defined as an unexpected cost that requires immediate attention and cannot be deferred without significant consequence. Car repairs fit this definition perfectly because a vehicle is often essential for transportation to work, school, or other important activities. If a car breaks down or requires urgent repairs, it can impact a person's ability to meet their daily responsibilities, making these repairs an immediate priority.

In contrast, purchasing a new television or a new pair of shoes does not fall into the category of emergency expenses, as these items can typically be desired rather than necessary. Increased insurance costs can be considered important, but needing to pay them does not constitute an emergency unless they are due unexpectedly and cannot be negotiated. Therefore, car repairs truly represent a situation where immediate financial attention is crucial, making them the correct choice for an emergency expense.