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NEW QUESTION # 46
Deanna owns a house worth $1,000,000 but chooses to insure it for $500,000. What clause might prevent her from being fully reimbursed in the event of a loss?
Answer: A
Explanation:
The coinsurance clause requires the insured to carry insurance equal to a specified percentage (commonly
80%, 90%, or 100%) of the property's value. If the insured carries less than the required amount, they become a coinsurer and share in any partial loss. This prevents underinsurance and encourages insureds to maintain adequate coverage levels.
Here, Deanna insures a $1,000,000 property for only $500,000-50%. If the policy requires 80% coinsurance, she should be carrying at least $800,000. Because she does not, she will not be fully reimbursed for partial losses; her payment will be reduced proportionally based on the coinsurance formula.
Option A (forfeiture) applies to breaches of policy conditions. Option C (contribution) applies when multiple insurers cover the same risk. Option D (subscription) applies when several insurers share a single risk by percentage participation.
Thus, the clause that could reduce Deanna's recovery is B: Coinsurance.
NEW QUESTION # 47
Kamal's home has an actual cash value (ACV) of $380,000 and is insured for $400,000. The house suffers
$180,000 damage. Which amount indemnifies Kamal?
Answer: A
Explanation:
Indemnity means restoring the insured to the financial position they occupied immediately before the loss- no better, no worse. Since the loss amount is$180,000, this is the amount required to fully indemnify the insured.
Although the policy limit is$400,000, the insurer does not pay policy limits unless the loss equals or exceeds the limit. The ACV of $380,000 is irrelevant here because the loss ispartial, not total. ACV only caps reimbursement in cases of total loss or when replacement cost is not available.
Option B ($200,000) has no basis in any indemnity or co-insurance formula.
Options C and D refer to total loss payouts, not applicable here.
Thus, the amount that indemnifies Kamal isA: $180,000.
NEW QUESTION # 48
What is the correct placement of statutory conditions to their respective insurance policy?
Answer: B
Explanation:
In Canadian insurance law,statutory conditionsapply differently depending on the class of insurance:
Fire insurance policiescontainStatutory Conditionsunder provincial Insurance Acts.
Accident & sickness policiescontainStatutory Conditionsspecific to health and travel insurance.
Automobile insuranceincludesStatutory ConditionsorGeneral Conditions(depending on the province).
The table shown in your image lists headings:
A: Rights of examination,B: Action,C: Prohibited use by insured.
These correspond directly to statutory condition categories found infire insuranceandaccident & sickness insurance, not automobile.
The correct ordering is:
A = Fire,B = Accident & Sickness,C = Automobile.
This matches optionB.
NEW QUESTION # 49
What is generally thethirdstep in responding to a privacy breach?
Answer: A,B,C
Explanation:
The typical privacy-breach response sequence used in Canadian insurance organizations follows four steps:
Contain the breachand secure the data (stop further exposure).
Evaluate the risks- determine sensitivity of data, potential harm, affected individuals, and severity.
Notifythose who must be informed (affected clients, regulators, privacy commissioners, insurers, or law enforcement).
Prevent recurrence- investigate causes and implement corrective measures.
Since Step 1 is containment and Step 2 is risk evaluation, thethirdstep isnotification.
Therefore, the correct answer isC.
NEW QUESTION # 50
What should an insurer do if it wishes to have additional terms incorporated in an interim cover?
Answer: A
Explanation:
Interim covers-also called binders or cover notes-are legal proof of temporary coverage. Because they function as contracts, any additional terms the insurer wishes to impose must be clearly written and communicated to the insured at the time coverage is bound. Courts consistently require that policy terms be in writing to be enforceable, especially when modifying or restricting standard coverage.
Option B is incorrect because verbal instructions can lead to disputes and are not enforceable under contract law or statutory requirements. Option C is incorrect because statutory conditions apply automatically but do not add insurer-specific terms. Option D is unrelated-interim covers exist precisely to provide immediate insurance before the policy is issued.
Therefore, if the insurer wants additional conditions or limitations to apply, they must be set down in writing as part of the interim contract, making A the correct answer.
NEW QUESTION # 51
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