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Question 1 of 51
1. Question
Your client calls to advise he/she needs insurance on a car leased from an automobile dealer. Which one (1) of the following policies is required?
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Question 2 of 51
2. Question
When a third party has been injured, which of the following could jeopardize the insured’s auto coverage?
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Question 3 of 51
3. Question
In the Additional Agreements of the Insurer, Own Damage, the insurer agrees to waive subrogation against:
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Question 4 of 51
4. Question
Which one (1) of the following statements is TRUE?
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Question 5 of 51
5. Question
A horse and buggy are hit by an automobile. The horse is killed. The automobile has been damaged but not the buggy. Which of the following coverage apply?
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Question 6 of 51
6. Question
Newly acquired automobiles are automatically covered under and O.A.P. 1 Owner’s Form provided the insurer is notified:
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Question 7 of 51
7. Question
Rising water is covered under:
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Question 8 of 51
8. Question
Insurance under O.A.P. 1 Owner’s Form, Section 7, Loss or Damage Coverages, is usually subject to a deductible. It does not apply to damage caused by:
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Question 9 of 51
9. Question
The insurer is required to pay the money for which it is liable under the automobile insurance contract within sixty days after the:
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Question 10 of 51
10. Question
Under the “What Automobiles Are Covered” section of O.A.P. 1 Owner’s Form, a newly acquired automobile is automatically covered for a period of 14 days. This automatic coverage is limited to:
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Question 11 of 51
11. Question
Uninsured Automobile coverage
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Question 12 of 51
12. Question
Your insured has bought a snowmobile and advises you a fourteen year old son will also be operating it. You have provided your insured with an O.A.P. 1, Owner’s Form and advise that:
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Question 13 of 51
13. Question
All clients should be counseled regarding the availability of optional benefits available under O.A.P. 1 Owner’s Form. Which one (1) of the following is NOT available?
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Question 14 of 51
14. Question
A client phones to tell you he has bought a high-end stereo system costing $5,000, which has just been installed in his car. What should you tell him?
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Question 15 of 51
15. Question
Under Loss of Use due to theft, reimbursement ends upon:
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Question 16 of 51
16. Question
One of the following statements is correct. Which one (1) is it? Electronic accessories or equipment are covered under O.A.P. 1 Owner’s Form:
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Question 17 of 51
17. Question
Highway Victims Indemnity Funds:
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Question 18 of 51
18. Question
Indicate the correct way to insure a snowmobile:
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Question 19 of 51
19. Question
In the following statement about Section 6 – Direct Compensation – Property Damage – of the O.A.P. 1 Owner’s Form, one (1) is INCORRECT. Indicate which it is:
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Question 20 of 51
20. Question
An insured requests that the limit of liability in his/her automobile policy O.A.P. 1 be reduced. What is the minimum amount he/she must carry under Ontario law?
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Question 21 of 51
21. Question
Insurance under Section 7 of O.A.P. 1 Owner’s Form, Loss or Damage Coverages, is usually subject to a deductible. It does not apply to loss or damage caused by:
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Question 22 of 51
22. Question
The insured (who has automobile insurance) is struck by an automobile while riding her bicycle and receives minor injuries. Medical payments for the insured will:
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Question 23 of 51
23. Question
Which of the following is NOT true of recreational vehicles:
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Question 24 of 51
24. Question
The basic Income Replacement Benefit payable under O.A.P. 1 Owner’s Form, Section 4 – Accident Benefits Coverage is $400 per week. The actual amount is based on:
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Question 25 of 51
25. Question
The insured’s automobile is broken into and some articles are taken. Specified perils will cover:
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Question 26 of 51
26. Question
Under Section 7, Physical Damage to Own Automobile coverage, the insurer agrees to indemnify:
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Question 27 of 51
27. Question
Which of the following statements is NOT true? Lawsuits in Ontario are:
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Question 28 of 51
28. Question
If the insured drove his automobile in to his own garage door, what would be included under the Own Damage coverage of his automobile policy?
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Question 29 of 51
29. Question
If an insured automobile being driven by a person without the owner’s consent is involved in an accident, the only coverage available to that driver is certain coverage under:
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Question 30 of 51
30. Question
Provincial Insurance Acts governing automobile insurance applications state that:
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Question 31 of 51
31. Question
The insured leaves a tavern, gets in to his auto in an intoxicated state, and causes an accident on the way home. Which of the following would not be covered?
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Question 32 of 51
32. Question
What type of automobile insurance policy provides liability coverage to a person who does not own an automobile but requires coverage for other automobiles?
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Question 33 of 51
33. Question
To a person who has made or who knows of a material misrepresentation, the insurer is NOT required to pay:
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Question 34 of 51
34. Question
Under Loss of Use (subsequent to a theft of an automobile), reimbursement begins:
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Question 35 of 51
35. Question
Which of the following is covered under the All Perils coverage (own damage) of an automobile policy?
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Question 36 of 51
36. Question
All accidents and claims within the following time period immediately preceding the application must be disclosed:
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Question 37 of 51
37. Question
A cigarette sets the automobile seat on fire and causes $450 damage. The policy shows a $300 deductible under Specified Perils. The insurer would pay?
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Question 38 of 51
38. Question
In which of the following situations is coverage available for a temporary substitute automobile?
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Question 39 of 51
39. Question
Recovery from the responsible party for loss of income as a result of an auto accident, after trial is:
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Question 40 of 51
40. Question
The OPCF#44 Family Protection coverage:
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Question 41 of 51
41. Question
Fortuitous means
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Question 42 of 51
42. Question
Which of the following provides an element of no-fault automobile insurance coverage in all provinces?
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Question 43 of 51
43. Question
With respect to a liability claim arising from an automobile accident, which of the following must prove the link between fault and damage?
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Question 44 of 51
44. Question
With respect to automobile insurance, subrogation rights
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Question 45 of 51
45. Question
Absolute liability implies that:
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Question 46 of 51
46. Question
What does Direct Compensation mean as it relates to automobile insurance?
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Question 47 of 51
47. Question
With respect to automobile insurance, no-fault insurance means:
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Question 48 of 51
48. Question
Under an automobile policy, property damage means damage to:
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Question 49 of 51
49. Question
In addition to the basic Third-Party Liability coverage, the insurer agrees to:
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Question 50 of 51
50. Question
The purpose of the Accident Benefits coverage is to provide the insured with:
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Question 51 of 51
51. Question
The Accident Benefits coverage of an automobile insurance policy does NOT pay for:
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