C11試験の準備方法｜認定するC11日本語的中対策試験｜素晴らしいPrinciples and Practice of Insurance無料問題

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>> C11日本語的中対策 <<

IIC C11日本語的中対策: Principles and Practice of Insurance - CertShiken 練習 & プロフェッショナル認定コース

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IIC Principles and Practice of Insurance 認定 C11 試験問題 (Q92-Q97):

質問 # 92
Which problem could arise with an oral binder?

正解：A

解説：
An oral binder is a legally recognized temporary contract that provides immediate insurance coverage before a written policy is issued. While oral binders are valid in all Canadian provinces, their reliability depends entirely on whether the intermediary actually has binding authority from the insurer. If the broker or agent who gives the oral binder doesnothave the authority to commit the insurer, then the binder may not be valid, and coverage may not exist. This makes lack of authority the primary risk associated with oral binders.
Option A is incorrect-oral binders are legal across Canada.
Option B is incorrect-a binder cannot override policy warranties; it simply provides temporary coverage.
Option C is unrelated; privacy documentation is not what makes a binder valid or invalid.
Thus, the key problem is that the intermediary may not have binding authority, making D the correct answer.


質問 # 93
A company suffers a $100,000 property loss at its commercial location. If Insurer X and Insurer Y have policies subject to the same terms and conditions, and there is no deductible, what will each insurer pay based on the information below?

Insurer X insured amount: $400,000
Insurer Y insured amount: $100,000

正解：A

解説：
When more than one insurer covers the same property under policies with identical terms, the loss is often shared according to the proportion of insurance each company provides. This is commonly referred to as contribution "pro rata by limits." First, determine the total amount of insurance:
Insurer X: $400,000
Insurer Y: $100,000
Total insurance: $500,000
Next, determine each insurer's percentage of the total:
Insurer X: 400,000 ÷ 500,000 = 80%
Insurer Y: 100,000 ÷ 500,000 = 20%
The total loss is $100,000, so each insurer pays its proportion of the loss:
Insurer X: 80% × $100,000 = $80,000
Insurer Y: 20% × $100,000 = $20,000
There is no deductible to adjust these amounts. Thus, Insurer X pays $80,000 and Insurer Y pays $20,000, making Option C correct.


質問 # 94
Which is a pre-loss objective of risk management for an organization?

正解：D

解説：
Pre-loss objectives in risk management are goals an organization aims to achievebeforeany loss occurs. These objectives focus on minimizing the frequency and severity of losses, ensuring preparedness, and maintaining organizational functionality.
Operational continuityis a key pre-loss objective because it emphasizes having systems, controls, and procedures in place to ensure that operations run smoothly-even when risk exposures are present. This includes safety programs, maintenance schedules, compliance measures, and contingency planning.
Operational continuity ensures the business can withstand or avoid disruptions.
Option A (external obligations) is vague and not formally defined as a risk management objective.
Option B (sustained growth) and D (business development) arebusiness goals, not pre-loss risk management objectives.
Thus, the correct answer isC: Operational continuity.


質問 # 95
Kamal's home has an actual cash value (ACV) of $380,000 and is insured for $400,000. The house suffers
$180,000 damage. Which amount indemnifies Kamal?

正解：A

解説：
Indemnity means restoring the insured to the financial position they occupied immediately before the loss- no better, no worse. Since the loss amount is$180,000, this is the amount required to fully indemnify the insured.
Although the policy limit is$400,000, the insurer does not pay policy limits unless the loss equals or exceeds the limit. The ACV of $380,000 is irrelevant here because the loss ispartial, not total. ACV only caps reimbursement in cases of total loss or when replacement cost is not available.
Option B ($200,000) has no basis in any indemnity or co-insurance formula.
Options C and D refer to total loss payouts, not applicable here.
Thus, the amount that indemnifies Kamal isA: $180,000.


質問 # 96
Deanna owns a house worth $1,000,000 but chooses to insure it for $500,000. What clause might prevent her from being fully reimbursed in the event of a loss?

正解：C

解説：
The coinsurance clause requires the insured to carry insurance equal to a specified percentage (commonly
80%, 90%, or 100%) of the property's value. If the insured carries less than the required amount, they become a coinsurer and share in any partial loss. This prevents underinsurance and encourages insureds to maintain adequate coverage levels.
Here, Deanna insures a $1,000,000 property for only $500,000-50%. If the policy requires 80% coinsurance, she should be carrying at least $800,000. Because she does not, she will not be fully reimbursed for partial losses; her payment will be reduced proportionally based on the coinsurance formula.
Option A (forfeiture) applies to breaches of policy conditions. Option C (contribution) applies when multiple insurers cover the same risk. Option D (subscription) applies when several insurers share a single risk by percentage participation.
Thus, the clause that could reduce Deanna's recovery is B: Coinsurance.


質問 # 97
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