最新的IIC Essential Skills for the Insurance Broker and Agent - C130免費考試真題
問題1
Mikayla is an independent contractor who uses her own vehicle to deliver pizza. She is compensated by the number of pizzas she can deliver. If she is involved in an accident where she injures a third party, which coverage could respond?
正確答案: C
說明：（僅 VCESoft 成員可見）
問題2
In law, what does the term prescription mean?
正確答案: A
說明：（僅 VCESoft 成員可見）
問題3
A building valued at $500,000 is insured under a homeowners policy with a guaranteed replacement cost provision. If the building suffers a total fire loss, under what circumstances would the insurer pay the full cost of rebuilding, even if it cost $725,000?
正確答案: C
說明：（僅 VCESoft 成員可見）
問題4
What does the term contra proferentem mean?
正確答案: D
說明：（僅 VCESoft 成員可見）
問題5
Miro's vehicle and Stephanie's vehicle collide with each other in New Brunswick. Neither of them has loss or damage coverage, also known as collision coverage. The chart shows the physical damage and assigned fault.
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%
正確答案: D
說明：（僅 VCESoft 成員可見）
問題6
How much would Company B be required to pay for an insured loss of $200,000 if all three insurers' wordings have a contribution clause?
Insurer | Amount Insured
Company A | $300,000
Company B | $80,000
Company C | $20,000
Insurer | Amount Insured
Company A | $300,000
Company B | $80,000
Company C | $20,000
正確答案: A
說明：（僅 VCESoft 成員可見）
問題7
Michelle is a new agent who would like to protect herself against possible errors and omissions claims. What should Michelle practice in her interactions with clients and insurers?
正確答案: C
說明：（僅 VCESoft 成員可見）
問題8
How many years of driving experience are newly licensed drivers generally credited for if they have completed an approved driver training course?
正確答案: A
說明：（僅 VCESoft 成員可見）
