最新的 Insurance Law (M05) E05 免費考試真題:

1. According to statute, a term under a consumer personal accident insurance policy may potentially be considered unfair if the insurer

A) requires notification of a claim within a very short time period.
B) applies a specific exclusion within the policy wording.
C) provides coverage that is more restrictive than that of other insurers.
D) imposes a premium loading.

2. Within what time period, from the date when the damage first began, does the owner of an office block have a right to sue the builder for negligent construction work?

A) 9 years.
B) 15 years.
C) 6 years.
D) 3 years.

3. The branch of law particularly relevant when handling negligence claims is

A) constitutional law.
B) administrative.
C) public law.
D) civil law.

4. The proximate cause of a loss is best described as the

A) first peril to cause the loss.
B) final peril to cause the loss.
C) most remote cause of the loss.
D) most dominant cause of the loss.

5. Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?

A) Both the insurer and Paul at different times.
B) The insurer at all times.
C) No one as Tim is not a party to the insurance contract.
D) Paul as it is a consumer contract.

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