Miscellaneous
The UIM deductible
$300
The __________ is the person or organization to whom the Certificate of Automobile Insurance is issued
Named insured
A claim in which liability has not yet been determined and requires further investigation from the CA to determine fault
The insured shall not drive or operate or permit any other person to drive or operate the automobile unless the insured or other person is authorized by ___________ to drive or operate it
Law
The excluded driver endorsement
28a
Two provinces/territories that the total theft deductible applies in
Ontario and Quebec
A ____________ is an automobile that is temporarily used while a described automobile is out of service. The described automobile must not be in use by anyone insured by this policy because of its breakdown, repair, servicing, theft, sale, or destruction
Temporary substitute automobile
The three claimable expenses under DCPD
Who may give notice and proofs of claim?
Insured, agent, driver, third party, lawyer, etc.
The two phase losses covered by Endorsement 6A
Phase 0 and Phase 1
The province where Accident Benefits coverages are optional
Newfoundland & Labrador
Provide one example of a type of automobile that loss or damage coverage will not extend to
Non-owned trailer, owned trailer not listed on policy, any other automobiles
We have the third-party drivers name and phone number for an Ontario loss. Can we proceed DCPD? Why?
Yes - we require the drivers full name and one of the three following:
1. Address
2. Phone Number
3. Insurance Information
The insured shall permit the insurer at all reasonable times to _______ the automobile and its equipment
Inspect
The three endorsements included in the worry-free option
20, 27, 35
The UIM claim maximum
$25,000
Occurrences should be reported to the agent or insurance company within ______ days
The amount we will cover for loss of use due to a theft in the absence of Endorsement 20 and the waiting period
$900 / 72 hours
The insured hit an ice chunk, and their engine light immediately came on. Should they drive the vehicle home? Why or why not?
No - policy mandates mitigation of additional damages
The Loss of Use maximum on a commercial policy with a loss of use coverage summary of $1500
$1500
Not including BC, all 5 non-DCA provinces/territories
Saskatchewan, Manitoba, Nunavut, Northwest Territories, Yukon
Our vehicle is carrying a bomb from point A to point B and it explodes, damaging our vehicle. Is this loss covered? Why?
No - general exclusion for explosives OAP section 1.8.1
Two types of losses that we will not cover unless they result from a peril in which the insured is covered
1. To tires
2. Mechanical fracture or breakdown
3. Rusting, corrosion, wear & tear, freezing, or explosion within the engine
The insureds boyfriend moves in and begins driving her vehicle every day. She does not update her policy, then her boyfriend is involved in a loss. What statutory condition is the insured in violation of?
Material change in risk
The type of loss that remains covered even when Endorsement 16 (Suspension of Coverage) is on the policy
Comprehensive