Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Question: 1 / 475

Which of the following losses IS COVERED under the specified perils section of the Auto Policy?

A. Damage caused by radioactive contamination.

B. Tapes stolen from the front car seat.

C. Damage caused when water freezes in the radiator.

D. Hail damage to the roof of the automobile.

Hail damage to the roof of the automobile is covered under the specified perils section of an Auto Policy because hail is considered to be a natural disaster and therefore, falls under the category of "Acts of God." It is important to note that other weather-related damages, such as flood and hurricane damage, may also be covered under this section. Option A, damage caused by radioactive contamination, is not covered as it is not considered to be a natural or accidental occurrence. Option B, tapes stolen from the front car seat, would be covered under the comprehensive coverage section of an Auto Policy, not the specified perils section. Option C, damage caused by water freezing in the radiator, is also not covered under the specified perils section as it is considered to be a maintenance issue.

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