Chapter 3 Quiz Flashcards
Priorities of Payment do NOT apply to bodily injury claims under the government plan in:
a) British Columbia
b) Newfoundland
c) Quebec
d) Alberta
c) Quebec
If a taxi, bus, or limousine driver was injured by an underinsured motorist while working, who would they submit a claim to?
a) Autoplan
b) Autoplan UMP Coverage
c) Unemployment Insurance
d) Provincial Workers Compensation Plan
d) Provincial Workers Compensation Plan
One of the objectives of the “no-fault” automobile insurance was to allow:
a) Faster settlements for insured’s
b) Cost savings due to the absence of litigation
c) The claimant to recover from his-her own insurer
d) All of the above
d) All of the above
The Absolute Liability provisions apply to which one of the following coverages?
a) Accident Benefits
b) Physical Damage
c) Third Party Liability
d) Uninsured Automobile
c) Third Party Liability
All automobile endorsement wordings:
a) Are designed by each individual insurer
b) Are standard throughout Canada
c) Come under the supervision of the Federal Department of Insurance
d) Must be approved by the appropriate provincial government body
d) Must be approved by the appropriate provincial government body
Under Third Party Liability coverage, the definition of “insured person” is:
a) Anyone who personally drives the insured automobile with consent
b) Anyone who personally operates any part of the insured automobile with consent
c) The named insured
d) All of the above
d) All of the above
The purpose of Accident Benefits coverage is to provide the insured with:
a) Financial protection against liability imposed by law upon the insured
b) Financial protection following physical injury
c) Protection against claims for non-vehicular property damage
d) Protection against claims for vehicular damage
b) Financial protection following physical injury
The Accident Benefits coverage of an automobile insurance policy does NOT pay for:
a) Dental work
b) Funerals
c) Loss of wages
d) Pain and suffering
d) Pain and suffering
Which of the following would be covered under the Third Party Liability section of an automobile policy?
a) Claims arising from contamination of property being carried in an automobile
b) Property carried in or upon the automobile while in the care, custody or control of the named insured
c) Loss or damage to a third party vehicle directly or indirectly caused by radioactive substances
d) Legal costs and post judgment interest in excess of the policy limit
d) Legal costs and post judgment interest in excess of the policy limit
What is the limit of basic Underinsured Motorist Protection under Autoplan?
a) $200,000
b) $500,000
c) $1,000,000
d) $2,000,000
c) $1,000,000
As per the insurance (Vehicle) Act, BC residents that are injured or killed, or whose property is damaged by an uninsured or unidentified driver is provided with automatic coverage of up to:
a) $200,000
b) $250,000
c) $500,000
d) $1,000,000
a) $200,000
Basic Autoplan insurance includes coverage for:
a) Loss or damage, Third Party Liability, and Accident Benefits
b) Loss of use, Third Party Liability, and Accident Benefits
c) Third Party Liability, Accident Benefits, and First Party Coverage
d) Third Party Liability, Accident Benefits, and Second Party Coverage
c) Third Party Liability, Accident Benefits, and First Party Coverage
Sometimes a motorist who causes a crash does not have enough insurance to cover the full cost of the resulting injuries, or may not have insurance at all. This enables drivers injured in such a crash to receive the damages to which they are legally entitled:
a) Uninsured motorist coverage
b) Unidentified motorist coverage
c) Unsatisfied judgment fund
d) Underinsured Motorist Protection
d) Underinsured Motorist Protection
Under British Columbia’s Accident benefits, no disability benefits are payable:
a) Unless the insured is disabled for a period of more than seven days
b) Unless the insured is disabled for a period of less than seven days but more than three
c) Unless the insured is disabled for a period of more than fourteen days
d) Unless the insured is disabled for a period of less than fourteen days but more than ten days
a) Unless the insured is disabled for a period of more than seven days
Under an automobile insurance policy, Accident Benefits are paid:
a) Only to innocent victims of an automobile accident
b) Only if the injured person has no other source of income
c) Provided the injured party has been successful in a breach of contract suit against the insured
d) None of the above
d) None of the above
