Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Question: 1 / 475

Who is covered under the Third Party Liability section of the owner's policy?

Anyone struck or injured by the insured automobile

Anyone who personally operates the vehicle

Anyone who personally drives the vehicle with owner's consent

The Third Party Liability section of an owner's policy covers any person who personally drives the vehicle with the owner's consent. This means that both the policy owner and the person driving the vehicle with their consent will be covered in case of an accident. Option A is incorrect because it does not specify any relation to the insured automobile or the owner's consent. Option B is incorrect because it only covers the person personally operating the vehicle, not anyone else who may drive it with the owner's consent. Option D is incorrect because it is too broad and does not specify the significance of the owner's consent in determining coverage.

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All of the above

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