Study 3 - Accident Benefits Flashcards
With respect to automobile insurance, the only no-fault province among the following is
a. Alberta
b. British Columbia
c. Newfoundland
d. Ontario
d. Ontario
Accident benefits are compulsory in all provinces except
a. Alberta
b. Nova Scotia
c. Newfoundland
d. Yukon
c. Newfoundland
With respect to automobile insurance, threshold
a. defines financial responsibility
b. defines the types of injuries suffered in an automobile accident for which lawsuits are permitted
c. is a no-fault benefit
d. is the maximum amount of Insurance that a driver may purchase
b. defines the types of injuries suffered in an automobile accident for which lawsuits are permitted
In Ontario, which of the following is NOT part of the definition of the verbal threshold for non-economic loss?
a. catastrophic impairment
b. death
c. permanent serious disfigurement
d. permanent serious impairment of an important physical, mental or psychological function
a. Catastrophic impairment
Which of the following have no-fault automobile insurance plans?
a. Alberta, British Columbia, Prince Edward Island, and Quebec
b. British Columbia, Newfoundland, Ontario. and Quebec
c. Manitoba, New Brunswick, Nova Scotia and Ontario
d. Manitoba, Ontario, Quebec, and Saskatchewan
d. Manitoba, Ontario, Quebec, and Saskatchewan
Accident Benefits under automobile insurance
a. are paid only to innocent victims of an automobile accident
b. are paid without reference to fault
c. can only be collected if the injured person has no other source of income
d. must be sued for
b. are paid without reference to fault
Which of the following provides an element of no-fault coverage in all provinces
a. accident benefits
b. damage to own automobile
c. Third Party Liability
d. none of the above
a. accident benefits
The basic concept of no-fault automobile insurance is to
a. limit or remove the right to sue for bodily injury or death in exchange for settlements without regard to liability
b. provide compensation for bodily injury
c. provide compensation for property damage quickly
d. provide greatly increased accident benefits
a. limit or remove the right to sue for bodily injury or death in exchange for settlements without regard to liability
Which of the following statement is true regarding medical benefits
a. an insurer not liable to pay more than the amounts established under the Insurance Act
b. pays for all reasonable and necessary medical expenses that are not payable under another insurance plan or law
c. pays for all reasonable and necessary medical expenses; medical devices but not transportation for the insured or an attendant, to/from treatment sessions
d. pays for reasonable and necessary expenses provided by registered health practitioners but do not include medical devices, such as dentures or prescription eyewear
b. pays for all reasonable and necessary medical expenses that are not payable under another insurance plan or law
The purpose of Accident Benefits 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
With respect to automobile insurance in Ontario, a threshold
a. applies to automobile insurance in all no-fault provinces
b. has nothing to do with automobile insurance
c. is a definition of the conditions under which an injured party can sue the responsible motorist
d. is the maximum amount that an injured person may claim from the responsible motorist
c. is a definition of the conditions under which an injured party can sue the responsible motorist
With respect to automobile insurance, “no-fault” insurance means
a. a strict tort system of compensation
b. minimum limits under the Third Party Liability coverage
c. that all automobile coverages are sold by the government
d. that legislation has been passed prohibiting or severely limiting lawsuits for injuries
d. that legislation has been passed prohibiting or severely limiting lawsuits for injuries
The Accident Benefits coverage of an auto insurance policy does NOT pay for
a. dental work
b. funerals
c. loss of wages
d. pain and suffering
d. pain and suffering
Insurer shall pay for reasonable measures to reduce or eliminate the effects of any disability resulting from the impairment. Coverage includes expenses for:
a. social rehabilitation
b. vocational rehabilitation
c. transportation to/from treatments
d. all of the above
d. all of the above
