IIC C130 시험이 어렵다고해도 Itexamdump의 IIC C130시험잡이 덤프가 있는한 아무리 어려운 시험이라도 쉬워집니다. 어려운 시험이라 막무가내로 시험준비하지 마시고 문항수도 적고 모든 시험문제를 커버할수 있는IIC C130자료로 대비하세요. 가장 적은 투자로 가장 큰 득을 보실수 있습니다.
| Section | Weight | Objectives |
|---|---|---|
| Automobile Insurance | 10% | - Mandatory and optional coverages - Provincial variations - Rating and policy issues |
| Liability Insurance | 12% | - Personal liability coverages - Commercial general liability - Legal liability concepts |
| The Application Process | 10% | - Completing applications - Duty of disclosure - Underwriting considerations |
| Sales and Client Needs | 10% | - Insurance solutions - Risk identification - Client consultation |
| Communication and Service Skills | 8% | - Policy changes and endorsements - Client communication - Record keeping |
| Property Insurance Wordings | 12% | - Valuation methods - Common policy forms - Coverages and exclusions |
| Property Insurance Exposures | 10% | - Exposures and perils - Small commercial property risks - Personal property risks |
| Claims Handling | 8% | - Broker's role in claims - Settlement and subrogation - Claim reporting process |
| Insurance and the Intermediary | 10% | - Licensing and regulation - Roles of brokers and agents - Legal duties and ethics |
| From Quote to Policy | 10% | - Policy structure and components - Quotation and binding authority - Policy issuance and delivery |
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질문 # 51
What should the intermediary do if the person reporting the claim is not named on the insurance policy?
정답：A
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 # 52
Briefly describe an exclusive agency company as a distribution channel that delivers insurance products to consumers.
정답：
설명：
See the solution in Explanation below:
Explanation:
An exclusive agency company is an insurance distribution channel where insurance products are sold to consumers through agents who represent one insurer, or a very limited group of related insurers. The exclusive agent acts as the appointed representative of that insurance company and is authorized to explain products, provide quotations, complete applications, and arrange policies for customers. This channel gives the insurer strong control over how its products are presented because the agent is trained in that company's underwriting rules, coverage options, pricing structure, and service standards. For consumers, the advantage is that they receive direct access to a knowledgeable representative of the insurer, often with consistent advice and efficient policy handling. However, the limitation is that the consumer has less market choice because the exclusive agent does not usually compare products across many competing insurers. The key distinction is that an exclusive agent differs mainly in the number of insurance companies they can represent.
질문 # 53
A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?
정답：D
설명：
The insurer that issued the homeowners policy is typically the party that initially pays for the damage to the dwelling. The property owner insures the building, so when the building suffers insured fire damage, the owner's property insurer responds first according to the policy terms. The tenant's negligence may create a liability exposure, but that does not usually change the first-party property claim sequence. After paying the owner, the property insurer may consider subrogation against the negligent tenant or the tenant's insurer, depending on the lease, policy wording, provincial law, waiver provisions, and surrounding facts. Option A is too direct because the tenant may be legally responsible, but they do not normally "initially" pay the insured building claim. Option C may respond if a liability claim is pursued against the tenant, but it is not the first insurer paying the property owner's building loss. Option D is wrong because the owner is not responsible for the tenant's negligence merely because the tenant occupies the dwelling. References/topics: Property Insurance-Exposures; tenant negligence, first-party property insurance, tenant's legal liability, subrogation.
질문 # 54
Why would an insured need an advertising injury liability extension in addition to the coverage provided by the standard commercial general liability policy?
정답：A
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 # 55
Which document releases the insurer from further obligations for a loss after payment is made?
정답：C
설명：
The best answer from the available options is proof of loss. In claims practice, a proof of loss is a formal document submitted by the insured setting out the facts and amount of the claim, and it is commonly tied to the insurer's payment process. In many settlements, the signed claim documentation confirms the amount claimed and supports final payment of the insured loss. A non-waiver agreement does the opposite of releasing obligations; it allows the insurer to investigate while preserving its coverage defences. A reservation of rights letter similarly permits the insurer to continue handling or investigating the claim while reserving the right to deny coverage later. A sworn statement may form part of proof-of-loss documentation, but by itself it is not the standard answer in this option set. Strictly, a separate release is the cleanest document for discharging further obligations after settlement; however, since "release" is not offered, proof of loss is the course-aligned choice that most closely fits the described claims-payment function. References/topics:
Claims; proof of loss, claim payment documentation, release of obligations, non-waiver agreement, reservation of rights.
질문 # 56
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이 산업에는 아주 많은 비슷한 회사들이 있습니다, 그러나 Itexamdump는 다른 회사들이 이룩하지 못한 독특한 이점을 가지고 있습니다. Pss4Test IIC C130덤프를 결제하면 바로 사이트에서IIC C130덤프를 다운받을수 있고 구매한IIC C130시험이 종료되고 다른 코드로 변경되면 변경된 코드로 된 덤프가 출시되면 비용추가없이 새로운 덤프를 제공해드립니다.
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