Itexamdump는 고객님께서IIC C130첫번째 시험에서 패스할수 있도록 최선을 다하고 있습니다. 만일 어떤 이유로 인해 고객님이IIC C130시험에서 실패를 한다면 Itexamdump는IIC C130덤프비용 전액을 환불 해드립니다. 시중에서 가장 최신버전인IIC C130덤프로 시험패스 예약하세요.
| Section | Weight | Objectives |
|---|---|---|
| Automobile Insurance | 10% | - Provincial variations - Rating and policy issues - Mandatory and optional coverages |
| The Application Process | 10% | - Duty of disclosure - Completing applications - Underwriting considerations |
| Sales and Client Needs | 10% | - Client consultation - Insurance solutions - Risk identification |
| Insurance and the Intermediary | 10% | - Legal duties and ethics - Licensing and regulation - Roles of brokers and agents |
| Property Insurance Wordings | 12% | - Coverages and exclusions - Valuation methods - Common policy forms |
| Liability Insurance | 12% | - Commercial general liability - Legal liability concepts - Personal liability coverages |
| Claims Handling | 8% | - Claim reporting process - Settlement and subrogation - Broker's role in claims |
| From Quote to Policy | 10% | - Quotation and binding authority - Policy structure and components - Policy issuance and delivery |
| Property Insurance Exposures | 10% | - Exposures and perils - Small commercial property risks - Personal property risks |
| Communication and Service Skills | 8% | - Policy changes and endorsements - Client communication - Record keeping |
만약 아직도IIC C130인증시험 위하여 많은 시간과 정력을 소모하며 열심히 공부하고 있습니까? 아직도 어덯게하면IIC C130인증시험을 빠르게 취득할 수 있는 방법을 못찿고 계십니까? 지금Itexamdump에서IIC C130인증시험을 안전하게 넘을 수 있도록 대책을 내드리겠습니다. 아주 신기한 효과가 있을 것입니다.
질문 # 45
What should the intermediary do if the person reporting the claim is not named on the insurance policy?
정답：C
설명：
If a claim is reported by someone who is not named on the policy, the intermediary should attempt to discuss the matter with the client. The broker must protect confidentiality, verify authority, and avoid disclosing policy information to an unauthorized person. At the same time, the report may still involve a valid loss, so the broker should not ignore it. Speaking with the named insured allows the intermediary to confirm whether the claim is legitimate, whether the reporting person has authority to act, and whether notice should be forwarded to the insurer. Contacting the police is not automatically required unless the facts suggest crime, injury, fraud, or legal reporting obligations. Sending a statement of claim is incorrect; that is a legal pleading, not a broker response. Adding the reporting party as an additional insured would be inappropriate without underwriting approval, insurable interest, and the insured's instruction. The correct claims-service approach is controlled communication, verification, documentation, and prompt reporting once authority and facts are confirmed. References/topics: Claims; claim reporting, confidentiality, named insured authority, broker communication, claims intake procedure.
질문 # 46
Which type of adjuster processes a large volume of claims that do not require inspecting property damage or visiting the loss location?
정답：A
설명：
A telephone adjuster handles a high volume of claims that can be managed without attending the loss location or physically inspecting damage. These claims are usually lower complexity, documentation-driven, and suitable for phone-based investigation, coverage confirmation, estimate review, and settlement discussion.
The role is efficient for straightforward claims where photographs, repair invoices, police reports, receipts, or electronic documents provide enough evidence for evaluation. "Remote adjuster" may sound plausible in modern terminology, but the standard claims role described in the course context is telephone adjuster. A service adjuster generally refers to a claims professional who may provide direct field service or broader claims assistance. An account adjuster is not the best match for a high-volume, no-inspection claims role. The key distinction is method of handling: telephone-based claim processing rather than field inspection. Brokers should understand adjuster roles so they can set client expectations about who will contact them and why some claims do not require an in-person visit. References/topics: Claims; telephone adjusters, claims triage, remote claim handling, documentation-based settlement.
질문 # 47
Why would an insured need an advertising injury liability extension in addition to the coverage provided by the standard commercial general liability policy?
정답：D
설명：
An advertising injury liability extension is needed to address liability arising out of the insured's advertising activities for its goods or services. Standard commercial general liability coverage is primarily built around bodily injury and property damage exposures arising from premises, operations, products, and completed operations. Advertising-related claims may involve allegations connected to promotional material, publications, slogans, marketing content, and competitive positioning. Option D is the best answer because it states the commercial reason for the extension: liability arising from advertising the business's goods and services. Options A and C are poorly framed because liability insurance does not protect the insured's own idea or copyright as property; it responds when the insured is alleged to have wrongfully used another party's protected interest, subject to wording. Option B is a possible type of advertising or personal injury allegation, but the question asks why the extension is needed in addition to ordinary CGL protection. Brokers must identify businesses with active advertising, online content, branding, or promotional campaigns because these activities create liability exposures beyond ordinary physical injury or property damage. References/topics:
Liability Insurance; advertising injury liability, CGL extensions, promotional activities, non-physical injury exposures.
질문 # 48
Brenda works as a property and casualty underwriter in an industry that has some staged claims. Her accounts have a poor loss ratio and she has been put on a performance plan. She recently shadowed a senior broker for training purposes. He advised her on qualifying the client to establish whether the client and the brokerage can form a mutually beneficial business relationship.
She has just been approached by a new client, who would be the largest client in her portfolio. Describe what Brenda should keep in mind for her process regarding this client. How can Brenda qualify the client? Provide two questions she could ask if she suspects a moral hazard.
정답：
설명：
See the solution in Explanation below:
Explanation:
Brenda should not accept the client only because the account is large. A large client may produce significant premium, but it may also bring serious underwriting, claims, moral hazard, and errors and omissions risk.
Since Brenda's accounts already have a poor loss ratio and the industry has some staged claims, she must qualify the client carefully before treating the account as a good business opportunity. Qualifying the client means determining whether the client's needs, risk profile, attitude toward risk, claims history, and expectations match the brokerage's and insurer's ability to provide suitable coverage. The course logic is that an intermediary should understand how to differentiate service by knowing the client's current insurance arrangements and needs.
Brenda should begin by gathering complete underwriting information. She should identify the client's operations, ownership structure, property values, liability exposures, prior insurers, loss history, risk controls, financial stability, and reason for seeking new coverage. She should also consider whether the client is being transparent and whether the requested coverage is reasonable for the exposure. Under the principle of utmost good faith, full disclosure of material information is required from the applicant. Brenda should not rely only on the attractiveness of the premium. She should ask open-ended questions, verify details, document all answers, and be alert to inconsistencies between the client's story, prior claims, business operations, and requested limits.
To qualify the client, Brenda can ask questions such as: What insurance coverage do you currently have, and why are you considering changing brokers or insurers? What losses or claims have you had in the past five years, including any incidents that did not result in payment? What risk controls do you have in place to prevent losses? What coverage problems, exclusions, or disputes have you experienced with previous insurers? What are your expectations regarding premium, deductibles, claims service, and coverage limits?
These questions help Brenda determine whether the account is profitable, insurable, and ethically suitable for the brokerage.
If Brenda suspects a moral hazard, she should ask direct but professional questions. First: "Have you had any previous claims denied, investigated, or disputed by an insurer? If yes, what were the circumstances?" Second: "Are there any financial pressures, business closures, unpaid loans, legal disputes, or operational changes that could affect the risk or the likelihood of a claim?" These questions are appropriate because moral hazard involves the possibility that the insured's character, honesty, financial condition, or conduct could increase the chance of a loss or exaggeration of a claim. If concerns remain, Brenda should seek additional documentation, consult underwriting management, and avoid binding or recommending coverage until the risk is properly understood.
질문 # 49
What information is typically included in a cover letter prepared by a broker for the insured?
정답：C
설명：
A broker's cover letter commonly reminds the insured to review the policy documents for accuracy and to report any errors, omissions, or required changes immediately. This is not a ceremonial document; it is an important service and E & O control. The policy should be checked for correct named insured, mailing address, risk location, mortgagee or loss payee, coverage limits, deductibles, endorsements, exclusions, vehicle details, drivers, occupancy, and business operations. Option A is not normally the purpose of a client cover letter; the insurer's internal underwriting process is not usually explained in detail. Option B may be relevant in disclosure or relationship transparency contexts, but it is not the standard content being tested.
Option D may apply where commission disclosure is required by regulation or brokerage practice, but it is not the typical core purpose of the cover letter. The strongest answer is C because the cover letter prompts the client to verify the policy and creates evidence that the broker encouraged review. References/topics:
Communication and Service Skills; cover letters, policy delivery, client review, documentation, E & O risk management.
질문 # 50
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IIC C130인증덤프는 최근 출제된 실제시험문제를 바탕으로 만들어진 공부자료입니다. IIC C130 시험문제가 변경되면 제일 빠른 시일내에 덤프를 업데이트하여 최신버전 덤프자료를IIC C130덤프를 구매한 분들께 보내드립니다. 시험탈락시 덤프비용 전액환불을 약속해드리기에 안심하시고 구매하셔도 됩니다.
C130높은 통과율 시험덤프공부: https://www.itexamdump.com/C130.html