Ontario Automobile Insurance Policy! Trivia Questions Quiz

2.

Insureds vehicle was struck by a deer on the passenger side. Which coverage is required?

Collision
Comprehensive

Correct Answer

A. Comprehensive

Explanation

In this scenario, the insured's vehicle was struck by a deer on the passenger side. This type of incident would fall under comprehensive coverage. Collision coverage typically applies when the insured's vehicle collides with another vehicle or object, whereas comprehensive coverage covers damages caused by events other than collisions, such as theft, vandalism, or animal collisions. Since the vehicle was struck by a deer, which is an event other than a collision with another vehicle or object, comprehensive coverage would be required to cover the damages.

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3.

A rock cracked the insured's windshield. Which coverage is required?

Collision
Comprehensive

Correct Answer

A. Comprehensive

Explanation

Comprehensive coverage is required in this scenario because it covers damage to the insured's vehicle caused by incidents other than a collision with another vehicle. In this case, the rock cracking the windshield is not a result of a collision, but rather a random event. Therefore, comprehensive coverage would be necessary to cover the cost of repairing or replacing the windshield.

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4.

Insured's vehicle was rear-ended by another vehicle. Which coverage would best respond?

Collision
Comprehensive
Direct compensation

Correct Answer

A. Direct compensation

Explanation

Direct compensation coverage would best respond in this situation because it covers the insured's vehicle for damages caused by another vehicle in an accident where the insured is not at fault. In this case, the insured's vehicle was rear-ended by another vehicle, so direct compensation coverage would provide compensation for the damages to the insured's vehicle. Collision coverage would only cover damages caused by a collision with another vehicle or object, and comprehensive coverage would cover damages caused by events such as theft, vandalism, or natural disasters.

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5.

Insured made a left turn and struck TP vehicle, TP has the right of way. Which coverage is required to cover the NI's damages?

Collision
Direct compensation
Comprehensive

Correct Answer

A. Collision

Explanation

The insured is at fault for making a left turn and striking the TP vehicle, which means the insured's insurance coverage needs to cover the damages caused to the TP vehicle. Collision coverage is specifically designed to cover damages to the insured's vehicle when they are at fault in an accident, so it is the required coverage in this situation. Direct compensation coverage is not applicable here because it only covers damages to the insured's vehicle when they are not at fault. Comprehensive coverage is also not applicable because it covers damages caused by events other than collisions, such as theft or natural disasters.

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6.

While stopped at a red light, the insured was rear-ended by TP, and then insured's vehicle was pushed into the vehicle in front? Which coverage would best respond?

Collision
Direct compensation
Comprehensive

Correct Answer

A. Direct compensation

Explanation

The best coverage that would respond in this situation is Direct Compensation. Direct Compensation coverage is a type of auto insurance coverage that allows the insured to be compensated for damages to their vehicle, even if they were not at fault for the accident. In this scenario, the insured's vehicle was rear-ended by a third party (TP), causing damage to their vehicle. Direct Compensation coverage would provide compensation for the damages to the insured's vehicle, as it was not their fault and they were stopped at a red light.

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7.

What criteria are required in order for an ISA to confirm a claim is DCPD (NOT Fast Track). Choose all that apply.

All TP info is secured
No reported injuries
If the insured has no coll coverage, a police report must be filed
The insured is clearly 0%AF for the accident

Correct Answer(s)

A. All TP info is secured
A. If the insured has no coll coverage, a police report must be filed
A. The insured is clearly 0%AF for the accident

Explanation

In order for an ISA to confirm a claim as DCPD (NOT Fast Track), all of the following criteria must be met: all TP info is secured, if the insured has no collision coverage, a police report must be filed, and the insured is clearly 0% at fault for the accident. These criteria ensure that all necessary information is obtained, proper procedures are followed, and the insured is not responsible for the accident.

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8.

Insured lost control and struck a tree. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for repairs/replacement to his vehicle

True
False

Correct Answer

A. False

Explanation

Insured requires collision coverage

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9.

Insureds vehicle was stolen. Insured has the following coverage:

COLL - $500

COMP -$300 DED

DC - $0 DED

This insured is covered for the replacement of this vehicle

True
False

Correct Answer

A. True

Explanation

Insured requires comp coverage

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10.

TP ran a red light and struck insured, insured has the right of way. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for the repairs/ replacement of this vehicle

True
False

Correct Answer

A. True

Explanation

Insured requires DC coverage

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11.

While driving, the insured's tire blew out, after hitting a nail on the road. There was no other impact or damage. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

COLL - $500 DED

This insured is covered for the repairs/replacement of the tire

True
False

Correct Answer

A. False

Explanation

a tire blown-out while driving is not a covered loss

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Ontario Automobile Insurance Policy! Trivia Questions Quiz

Insureds vehicle ran over debris left on road. Which coverage is required?

Quiz Preview

Insureds vehicle was struck by a deer on the passenger side. Which coverage is required?

A rock cracked the insured's windshield. Which coverage is required?

Insured's vehicle was rear-ended by another vehicle. Which coverage would best respond?

Insured made a left turn and struck TP vehicle, TP has the right of way. Which coverage is required to cover the NI's damages?

While stopped at a red light, the insured was rear-ended by TP, and then insured's vehicle was pushed into the vehicle in front? Which coverage would best respond?

What criteria are required in order for an ISA to confirm a claim is DCPD (NOT Fast Track). Choose all that apply.

Insured lost control and struck a tree. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for repairs/replacement to his vehicle

Insureds vehicle was stolen. Insured has the following coverage:

COLL - $500

COMP -$300 DED

DC - $0 DED

This insured is covered for the replacement of this vehicle

TP ran a red light and struck insured, insured has the right of way. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for the repairs/ replacement of this vehicle

While driving, the insured's tire blew out, after hitting a nail on the road. There was no other impact or damage. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

COLL - $500 DED

This insured is covered for the repairs/replacement of the tire

Ontario Automobile Insurance Policy! Trivia Questions Quiz

Insureds vehicle ran over debris left on road. Which coverage is required?

Quiz Preview

Insureds vehicle was struck by a deer on the passenger side. Which coverage is required?

A rock cracked the insured's windshield. Which coverage is required?

Insured's vehicle was rear-ended by another vehicle. Which coverage would best respond?

Insured made a left turn and struck TP vehicle, TP has the right of way. Which coverage is required to cover the NI's damages?

While stopped at a red light, the insured was rear-ended by TP, and then insured's vehicle was pushed into the vehicle in front? Which coverage would best respond?

What criteria are required in order for an ISA to confirm a claim is DCPD (NOT Fast Track). Choose all that apply.

Insured lost control and struck a tree. Insured has the following coverage: COMP -$300 DED DC - $0 DED This insured is covered for repairs/replacement to his vehicle

Insureds vehicle was stolen. Insured has the following coverage: COLL - $500 COMP -$300 DED DC - $0 DED This insured is covered for the replacement of this vehicle

TP ran a red light and struck insured, insured has the right of way. Insured has the following coverage: COMP -$300 DED DC - $0 DED This insured is covered for the repairs/ replacement of this vehicle

While driving, the insured's tire blew out, after hitting a nail on the road. There was no other impact or damage. Insured has the following coverage: COMP -$300 DED DC - $0 DED COLL - $500 DED This insured is covered for the repairs/replacement of the tire

Insured lost control and struck a tree. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for repairs/replacement to his vehicle

Insureds vehicle was stolen. Insured has the following coverage:

COLL - $500

COMP -$300 DED

DC - $0 DED

This insured is covered for the replacement of this vehicle

TP ran a red light and struck insured, insured has the right of way. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

This insured is covered for the repairs/ replacement of this vehicle

While driving, the insured's tire blew out, after hitting a nail on the road. There was no other impact or damage. Insured has the following coverage:

COMP -$300 DED

DC - $0 DED

COLL - $500 DED

This insured is covered for the repairs/replacement of the tire