ONTARIO AUTO EXAM (RIBO) Exam
Practice Questions with 100% Correct
Answers Latest Versions Top Rated A+.
Your insured parks his/her automobile at a shopping mall and on
his/her return it has been damaged by another vehicle. Your insured
has O.A.P. 1 Owner's Form with Liability, Accident Benefits,
Comprehensive and OPCF44, Family Protection Endorsement
coverages. What section would cover the damage?
A. Comprehensive
B. OPCF 44, Family Protection Endorsement
C. Liability
D. There would be no coverage
This type of loss would be covered under Collision or All perils, and
the insured does not have either of those coverages.
D. There would be no coverage.
Insured 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:
A. Water
B. Lightening
C. Vandalism
D. Windstorm
,Page 48.: If you are insured for loss or damage caused by fire or
lightening, there is no deductible for these losses.
B. Lightening
Your insured calls to report while ice fishing on Lake Simcoe his/her
automobile went through ice. He/she has O.A.P. 1 Owner's Form with
Liability, Accident Benifits and Comprehensive Coverages. The insurer:
A. Would pay the claim in full
B. Would not pay the claim, as there is no coverage.
C. Would pay the claim, less deductible
D. Would not pay the claim, as the automobile was not being
operated on a public highway.
P44. Loss would be covered under Comprehensive Coverage.
C. Would pay the claim, less deductible
The Facility Association is :
A. A group of insurance carriers that write the insurance risks on
automobiles owned by their agents/brokers and their staff.
B. A reinsurance device for accommodating automobile policyholders
who wish to have particularly high limits of insurance.
C. An insurance pool subscribed to by all automobile insurance
carriers that share the writing of risks not ordinarily written in the
regular market or normal market.
D. The provincial government insurance office charged with the
,responsibility of accepting applications from all automobile owners
who cannot get insurance anywhere.
C. An insurance pool subscribed to by all automobile insurance carriers
that share the writing of risks not ordinarily written in the regular
market or normal market.
The insured's automobile is broken into and some articles are taken.
Specified perils will cover:
A. Musical instruments that were in the trunk.
B. The bumper jack belonging to the automobile.
C. The insured's raincoat
D. Property of the insured's passengers.
A,C,D would be covered under "All Perils" , not specified perils. See P
44.
B. The bumper jack belonging to the automobile.
If the insured drove his automobile in to his garage door, what would
be included under the Own Damage coverage on his automobile
policy?
A. Both the auto and the door.
B. Neither the auto nor the door.
C. The auto.
D. The door.
C. The auto.
, The insured leaves a tavern, gets in his auto in an intoxicated state,
and causes and accident on the way home. Which of the following
would be not covered?
A. Collision damage to his automobile.
B. Damage to a telephone pole.
C. Damage to another automobile.
D. Medical and surgical expenses required as a result of the injuries he
sustains.
Own damage is not covered when DUI. Only 3P Lia/Accident Benefits
are covered.
A. Collision damage to his automobile.
Under Loss of Use (subsequent to a theft of an automobile),
reimbursement begins:
A. 24 hours after the theft has been reported to the insurer.
B. 24 hours after the theft has been reported to the police.
C. 48 hours after the theft has been reported to the insurer or to the
police.
D. 72 hours after the theft has been reported to the insurer or to the
police.
D. 72 hours after the theft has been reported to the insurer or to the
police.
A cigarette sets the automobile seat on fire and causes $450 damage.
The policy shows a $300 deductible under Specified Perils. The insurer
Practice Questions with 100% Correct
Answers Latest Versions Top Rated A+.
Your insured parks his/her automobile at a shopping mall and on
his/her return it has been damaged by another vehicle. Your insured
has O.A.P. 1 Owner's Form with Liability, Accident Benefits,
Comprehensive and OPCF44, Family Protection Endorsement
coverages. What section would cover the damage?
A. Comprehensive
B. OPCF 44, Family Protection Endorsement
C. Liability
D. There would be no coverage
This type of loss would be covered under Collision or All perils, and
the insured does not have either of those coverages.
D. There would be no coverage.
Insured 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:
A. Water
B. Lightening
C. Vandalism
D. Windstorm
,Page 48.: If you are insured for loss or damage caused by fire or
lightening, there is no deductible for these losses.
B. Lightening
Your insured calls to report while ice fishing on Lake Simcoe his/her
automobile went through ice. He/she has O.A.P. 1 Owner's Form with
Liability, Accident Benifits and Comprehensive Coverages. The insurer:
A. Would pay the claim in full
B. Would not pay the claim, as there is no coverage.
C. Would pay the claim, less deductible
D. Would not pay the claim, as the automobile was not being
operated on a public highway.
P44. Loss would be covered under Comprehensive Coverage.
C. Would pay the claim, less deductible
The Facility Association is :
A. A group of insurance carriers that write the insurance risks on
automobiles owned by their agents/brokers and their staff.
B. A reinsurance device for accommodating automobile policyholders
who wish to have particularly high limits of insurance.
C. An insurance pool subscribed to by all automobile insurance
carriers that share the writing of risks not ordinarily written in the
regular market or normal market.
D. The provincial government insurance office charged with the
,responsibility of accepting applications from all automobile owners
who cannot get insurance anywhere.
C. An insurance pool subscribed to by all automobile insurance carriers
that share the writing of risks not ordinarily written in the regular
market or normal market.
The insured's automobile is broken into and some articles are taken.
Specified perils will cover:
A. Musical instruments that were in the trunk.
B. The bumper jack belonging to the automobile.
C. The insured's raincoat
D. Property of the insured's passengers.
A,C,D would be covered under "All Perils" , not specified perils. See P
44.
B. The bumper jack belonging to the automobile.
If the insured drove his automobile in to his garage door, what would
be included under the Own Damage coverage on his automobile
policy?
A. Both the auto and the door.
B. Neither the auto nor the door.
C. The auto.
D. The door.
C. The auto.
, The insured leaves a tavern, gets in his auto in an intoxicated state,
and causes and accident on the way home. Which of the following
would be not covered?
A. Collision damage to his automobile.
B. Damage to a telephone pole.
C. Damage to another automobile.
D. Medical and surgical expenses required as a result of the injuries he
sustains.
Own damage is not covered when DUI. Only 3P Lia/Accident Benefits
are covered.
A. Collision damage to his automobile.
Under Loss of Use (subsequent to a theft of an automobile),
reimbursement begins:
A. 24 hours after the theft has been reported to the insurer.
B. 24 hours after the theft has been reported to the police.
C. 48 hours after the theft has been reported to the insurer or to the
police.
D. 72 hours after the theft has been reported to the insurer or to the
police.
D. 72 hours after the theft has been reported to the insurer or to the
police.
A cigarette sets the automobile seat on fire and causes $450 damage.
The policy shows a $300 deductible under Specified Perils. The insurer
