Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Question: 1 / 475

Which of the following accidents would be considered a loss under Section 7.1.2.B, Comprehensive of an O.A.P. 1 Owner's Form Policy?

Your insured's windshield was smashed by a falling boulder while driving through a rock-slide area

Option A is the correct answer because it involves a direct and sudden physical impact, which is covered under the Comprehensive section of an O.A.P. 1 Owner's Form Policy. Option B is incorrect because it involves an accident caused by human error, rather than a sudden impact. Option C is also incorrect because it involves damage caused by a pot hole, which is typically covered under the Collision section of the policy. Option D is incorrect because it involves damage caused by the insured's own actions, rather than an external and sudden impact.

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Your insured, while passing another vehicle at the entrance to a narrow bridge, struck the bridge abutment

Your insured severely damaged the undercarriage of his vehicle when he/she struck a pot-hole in the roadway

Your insured's towing trailer, stopped quickly and the trailer struck the rear of his/her automobile damaging both vehicles

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