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| Section | Objectives |
|---|---|
| Insurance Practice | - Claims Handling
|
| Legal Principles of Insurance | - Insurable Interest and Indemnity
|
| Insurance Principles | - Insurance Market Structure
|
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問題 #93
What is the Canadian Insurance Claims Managers Association (CICMA) responsible for?
答案：B
解題說明：
The Canadian Insurance Claims Managers Association (CICMA) is a professional body composed of senior claims managers across the Canadian insurance industry. Its principal purpose is to promote high ethical standards, professionalism, fairness, and integrity in claims handling. CICMA supports education, networking, and the sharing of best practices to ensure consistency and ethical conduct across insurers.
Option A is incorrect because CICMA does not evaluate or adjudicate claims; individual insurers and provincial accident benefit systems handle those tasks. Option B is incorrect because fraud detection is handled by insurers and sometimes by the Insurance Bureau of Canada (IBC). Option C is unrelated-vehicle damageability research is conducted by organizations such as the Insurance Institute for Highway Safety or similar bodies.
CICMA's work emphasizes ethics, professional development, and claims leadership, which align directly with option D.
問題 #94
How are staff adjusters and independent adjusters similar?
答案：D
解題說明：
This question is identical to Question 25, so the correct answer and reasoning are the same. Whether an adjuster is a staff employee or an independent contractor, they are hiredto represent the insurerin the claims process. They are both compensated by the insurer-staff adjusters through salary and benefits, independent adjusters through fees or billing arrangements. Both must meet licensing requirements established by provincial regulatory bodies, conduct investigations, and report their findings to the insurer. They are also both subject to authority limits on claim settlement.
Thus, the only option that correctly reflects their similarity isB: both serve and are paid by insurers.
問題 #95
Stuart sells his vehicle and cancels his auto policy. The insurer refunds the full unearned portion of the premium. What type of cancellation is this?
答案：B
解題說明：
Apro rata cancellationoccurs when an insurer cancels a policy or when the insured cancelswithout penalty, and the insurer refunds thefullunexpired portion of the premium. The refund is calculated strictly based on time remaining in the policy period. No service charges, cancellation penalties, or retained percentages apply.
This is different fromshort rate cancellation, where a penalty is applied when the insured cancels voluntarily.
"Total rate," "fully fixed," and "non-adjusted rate" are not recognized forms of cancellation methods.
Thus, refunding the entire unused premium confirms the cancellation ispro rata.
問題 #96
What is the definition of subrogation?
答案：C
解題說明：
Subrogationallows an insurer that has indemnified an insured to pursue recovery from the partylegally responsiblefor the loss. It prevents the insured from collecting twice and shifts the financial burden back to the negligent third party. Subrogation is a fundamental principle tied to indemnity.
Option A describes insurer action in fraud cases-not subrogation.
Option B is incorrect; deductibles are always retained by the insured, not reimbursed later.
Option C describes a release or waiver, not subrogation.
Thus, the correct definition isD.
[Insurance as a Contract - Utmost Good Faith / Material Facts]
問題 #97
An insurer writes a $60,000,000 risk for a premium of $30,000. Using pro rata reinsurance, it transfers 25% of the risk to the reinsurer. The risk then suffers a $100,000 loss. How much does the reinsurer contribute to this loss?
答案：D
解題說明：
In pro rata (proportional) reinsurance, the reinsurer assumes a fixed percentage of both the risk and the premium, and in return pays the same percentage of any losses. Here, the insurer cedes 25% of the risk to the reinsurer. Therefore, the reinsurer must contribute 25% of any loss that occurs on that policy.
The loss amount is $100,000.
Reinsurer's share = 25% × $100,000 = $25,000.
The insurer retains the remaining 75%, or $75,000. Proportional reinsurance helps insurers manage exposure by sharing both costs and losses. Options B, C, and D do not correctly reflect proportional-sharing principles.
The reinsurer does not pay the full loss; it only pays its agreed percentage.
Thus, the correct answer is A: $25,000.
問題 #98
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