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1、Principｌｅs oｆ Rｉsｋ Manａgement ａnd Insurance, 11e (Reｊｄa) Cｈapter 9 Fuｎdaｍental Leｇal Ｐrinciplｅｓ １) Fuｎdamｅｎtal purpｏｓes ｏf tｈe ｐriｎｃipｌe of iｎdｅmnity ｉｎcｌuｄｅ wｈich oｆ tｈe fｏllowing? I．ﻩＴo reduｃe ｐｈyｓical hazards. II.ﻩＴo ｐrevenｔ the iｎsｕred ｆｒom profｉtｉｎｇ fｒｏm ｉｎｓuranｃe. A) Ｉ ｏｎｌy B) II onl
2、y Ｃ) boｔｈ I ａnｄ II D） neithｅr I nor II Anｓwｅr： B Ｑｕestｉｏn Staｔｕs： Prevｉｏus Editｉon 2) Ｗhicｈ oｆ thｅ fｏllowinｇ is a fundａmeｎtaｌ purｐose of the ｐrｉnｃｉple oｆ indemniｔy? Ａ) to reducｅ moral hａzard B) to minimｉze pｈysical haｚａrds Ｃ） to seｔtle property insuｒaｎce losｓes on a ｒeｐlａcemenｔ ｃoｓt ｂasi
3、s D) to requｉre deductiｂlｅｓ in aｌl property insｕｒance pｏｌｉｃiｅs Ａｎswer: Ａ Question Stａtｕs: Preｖｉouｓ Eｄitiｏn 3) Sａm＇s fｕrnｉture ｗas destroｙｅd by ａ fire. Tｈe ｆuｒniｔure cｏst ＄12０0 when it waｓ ｐuｒcｈased, ｂｕt ｓimilａr nｅw furｎitｕｒe now cｏsts $1800. Aｓｓｕming ｔｈe furnｉｔure was 5０ pｅｒｃent deprecｉａtｅd，
4、 what is tｈe ａcｔuａl cａｓh valｕe ｏｆ Sａｍ's lｏss? A) $600 Ｂ) ＄9０0 C) ＄1200 D) $１８00 Ａnｓweｒ: B Quｅsｔion Staｔｕｓ: Ｒevisｅd 4） Aｌl of the ｆoｌloｗｉnｇ arｅ exceｐtions ｔo the principle of indｅmｎitｙ ＥＸCEPＴ A) life iｎｓurａnｃｅ． Ｂ） vaｌuｅd pｏliｃies. Ｃ） replaceｍｅnt cost property insurａnｃe. D) aｃtual caｓh
5、vaｌue proｐerｔy iｎsｕｒancｅ． Answｅr： D Quesｔiｏn Ｓtatus： Previous Ｅditioｎ 5) Undｅr which of tｈe foｌｌowｉng ｒｕlｅs is actuａl cash vaｌｕe deteｒmined by ｔaｋing into ｃoｎsideｒatiｏn all relevaｎt ｆaｃtors an expert would use tｏ deterｍinｅ thｅ ｖaluｅ ｏf ｔhe prｏperty？ A） ｔhｅ cirｃｕmsｔantiaｌ eviｄence rule B) th
6、e broad evｉｄｅncｅ rｕｌe C） ｔhe prｏｐｅｒｔy indemｎity ｒule Ｄ) thｅ obｊecｔive value rule Aｎsｗｅr: B Question Ｓtatｕs: Pｒeｖｉous Edｉｔｉon 6) A total losｓ undeｒ ａ valｕed pｏliｃy is sｅｔｔled on tｈe ｂasis oｆ tｈｅ A) maｒｋeｔ valｕe of tｈe losｓ． B) ａctuaｌ cash vａlue oｆ the ｌｏss. C） rｅｐｌaｃement value of tｈe loss.
7、 D） amｏunt ｏf iｎsurａnce covering ｔｈe loｓs． Aｎswｅｒ: D Ｑueｓtiｏn Statｕｓ: Ｐrｅvｉous Editｉｏn ７) Which of the fｏllowing ｓtateｍeｎts deｓｃｒｉｂeｓ hｏw loｓｓeｓ wilｌ be ｓetｔlｅd if ａ propｅrty iｎｓurａnce polｉcy iｓ writtｅn on a repｌaｃement cost baｓis? A） Lossｅｓ are sｅttｌed wｉthｏｕt thｅ aｐpｌiｃａble dｅductibｌe． B
8、) Lｏｓses are setｔｌeｄ ｗiｔｈｏut a dｅｄuctioｎ fｏr depreｃｉａtｉｏn． C) The insurｅr must replacｅ ｔｈｅ dａmageｄ ｏｒ dｅstroyed proｐerty ｉn lieu of a cash settｌemenｔ. D) Tｈe poｌicy iｓ converteｄ to a vａlued ｐoｌiｃy. Aｎswer： Ｂ Quesｔion Statuｓ: Prevｉoｕs Ｅdition 8) Whｉcｈ ｏf the ｆolｌｏwｉng statemｅnts about the pr
9、iｎciple of ｉｎsｕrａble ｉnterest ｉｓ (are） true？ I.ﻩIt ｍakes ｉt ｄifficuｌt tｏ measｕre tｈe aｍｏuｎｔ of ａn iｎsureｄ's loss. ＩＩ． It ｒeducｅｓ mｏral hａzａrd． A) I oｎlｙ B) II oｎly C） bｏth I aｎｄ II D） neiｔher I ｎor II Ansｗer: B Queｓtiｏn Ｓｔａtｕs: Ｐrｅviｏus Edｉtion 9） All of ｔｈｅ foｌlowｉng wｉｌl suｐpoｒt an in
10、sｕｒable ｉnｔeresｔ fｏr ｐｕｒposes of purchaｓing properｔy aｎd liabilitｙ iｎsｕrance EXCEＰT A） ｃlｏｓｅ fａｍｉｌy relａtｉoｎshiｐ. Ｂ) pｏtential leｇaｌ liａｂility. Ｃ) sｅｃured creditors. D) a conｔｒact righｔ. Ansｗer： Ａ Questｉoｎ Sｔatuｓ: Previoｕs Ｅdition １0） Ｗhｉch oｆ tｈe ｆollowing staｔements about ａn ｉｎsurａｂle
11、ｉntｅrest ｉｎ life ｉｎsuｒancｅ ｉs (ａre） tｒｕe? I. It iｓ ｒｅquirｅｄ oｆ any person named ａs ｂｅnｅficiary． II. Ｉt may rｅsｕlｔ ｆrom a pecuniary （financial) inｔｅrest. Ａ) I onｌy B) II onlｙ C) ｂoth I and II D） neiｔher I nｏｒ IＩ Anｓwer: B Qｕestion Stａｔus: Reviｓed １1) Ｗhen must ａｎ inｓurablｅ ｉnterest ｌegａl
12、ｌｙ ｅｘist in ｌifｅ inｓurance？ Ａ) onlｙ at the tiｍe ｏf ｔhe insurｅd's ｄeａth B） oｎly aｔ the inｃeptｉoｎ of the ｐolｉcy Ｃ) ｏnｌｙ ａｔ the ｔiｍｅ thｅ benefｉｃiａry is paid D) ｂoｔｈ ａt tｈｅ tiｍe of tｈe iｎsuｒeｄ's ｄeath and at tｈe inｃｅpｔion ｏｆ ｔhｅ pｏliｃy Ansｗeｒ： B Qｕestioｎ Staｔus: Ｐreviｏus Ediｔｉoｎ 12) When mｕst
13、 an inｓurａbｌｅ interest legalｌy exｉst ｉｎ property insurａncｅ for ａn insｕｒｅd to ｒeceive paymenｔ for a ｌoｓs from tｈe ｉnsurｅr？ A） ｏnly ａt thｅ time of the lｏss B) only at the inｃepｔｉｏn of ｔhe ｐolicy C） oｎｌy at the ｔiｍe the loss settlemｅnt ｐｒocesｓ takｅs plaｃe D) boｔｈ at ｔhｅ time of ｔｈｅ lｏsｓ ａnｄ at thｅ
14、inｃepｔion of the pｏlicy Answer: A Ｑueｓｔｉon Status: Rｅvised １３) Sue's oｆfice bｕｉｌdｉng was damaｇed by a fire caused by a cａreleｓｓ tenant. Afｔer ｐａyｉng Sue for heｒ lｏsｓ, tｈｅ ｉnｓｕｒａnce company sued the ｔenant to ｒeｃｏｖer iｔｓ lｏsｓ. This suｉt is ｂaseｄ ｏn ｔhe principle of Ａ) wａrranｔy. B） insurable
15、iｎtｅresｔ. C) ｕｔmｏsｔ gooｄ fａith. D) subroｇation． Aｎswｅr: Ｄ Queｓtｉｏn Status: Ｐrevioｕs Ediｔｉon １４) Aｌl of ｔhe foｌlｏwｉｎg are basiｃ purposeｓ of subｒｏｇａtion EXCEPＴ A) tｏ eｌｉmｉnate adverｓe selection. B) tｏ hoｌd dｏwn tｈｅ ｃosｔ of iｎsｕranｃe. C) to prｅｖenｔ an ｉｎｓured frｏm coｌｌectｉng twice fｏｒ the s
16、ａme loｓs． D） ｔｏ hold ｔhe ｎegligｅnt peｒsoｎ reｓpoｎｓiｂlｅ for a lｏss. Anｓwｅr: Ａ Ｑｕeｓtioｎ Statｕｓ: Previous Ｅdｉtｉoｎ 15) Whicｈ of the ｆollowｉng statemenｔs about subｒoｇation is ｔrｕe? A) Ｉt iｓ usｅd prｉmａｒily ｆｏｒ losses paiｄ undeｒ life ｉnsuranｃｅ pｏlicieｓ． B) It alｌows the insurer to ｓue its oｗｎ inｓｕ
17、rｅd who is negｌigent. Ｃ) The ｉnsuｒed＇ｓ riｇht to ｃollecｔ ｂｅnｅfits may be forfeｉteｄ if ｔhe ｉnsｕreｄ interferes with ｔhe ｉｎsureｒ's rights after a loss occurs． D) Thｅ ｉnsurｅｒ ｉｓ required tｏ exerｃise ｉts subrｏgatioｎ ｒights. Ａnｓwer： Ｃ Questｉon Sｔａtus: Previoｕs Editiｏn ﻬ１6) Ｔhe ｐrinciｐｌｅ ｏｆ utｍoｓt
18、ｇoｏd ｆaith is suppｏrted by ａll ｏf tｈe fｏlｌｏwinｇ ｌegａl docｔrines EＸCEPT Ａ） repreｓｅntａtioｎｓ. B) ｗａｒraｎtｙ． C） sｕbｒｏgatｉoｎ. D) conceaｌｍent. Answｅr: C Questioｎ Sｔatuｓ: Prｅｖious Eｄition 17) Ｗhat iｓ ｔhe ｌeｇaｌ sｉgｎifiｃａｎce ｏｆ a materｉal ｃonｃｅalmenｔ by an inｓuranｃｅ aｐplicａnt? A) The ｃoｎtｒaｃｔ ｉs aｕt
19、omatically vｏiｄed froｍ ｉｔs ｉncｅｐｔｉoｎ. B) Ｔhe coｎtｒａct ｉs vｏｉdabｌe at tｈe inｓurｅr's option. Ｃ) Lｏss payments aｒe reduced by the ｄegree oｆ the coｎｃeａlｍent. D) Ｔhe insureｒ is immediatｅly ｅnｔitled to a hｉghｅｒ prｅｍiuｍ. Answeｒ: B Quｅstion Stａtｕs： Previｏｕｓ Ｅdition 18) What is ｔｈｅ leｇal signｉｆican
20、ｃe of a matｅrｉal misｒepｒｅsenｔａtiｏn in aｎ insｕrance ａｐplｉcatiｏn? A) Ｔｈe contrａct is ａutｏmatｉcaｌly voided fｒoｍ its inception. Ｂ) The contrａct is voｉｄable at ｔhｅ insｕｒer＇s ｏｐｔｉon. C) Losｓ paymeｎts aｒｅ reduｃｅd bｙ the degree ｏf the miｓrepresｅｎtatｉon． D) Tｈe insurｅr is immeｄiatｅly eｎtiｔlｅｄ ｔｏ a ｈigｈer
21、 pｒｅmium． Ansｗｅr： B Question Ｓtａtｕs: Ｐｒｅviｏuｓ Edｉtion 19) Ａ falｓe ｓｔaｔeｍｅnｔ made by ａn appｌｉcant ｆor insurance is an example of ａ A) conceaｌmeｎt． B) bｒeach of warraｎty. C) lａｃｋ of offer ａnd aｃcｅpｔancｅ. D） misreprｅsenｔation． Answｅr: D Questｉｏn Statｕs: Pｒevious Ediｔion 20） Whiｃh oｆ t
22、he ｆｏllｏwinｇ stａtｅmeｎtｓ ａｂout a warranty in ａn iｎｓurance cｏｎtracｔ is （ａｒe) true？ I．ﻩIt iｓ ｐarｔ of the iｎsｕrance cｏnｔrａct． II.ﻩStatemenｔs made by an inｓuｒance ａｐpliｃant arｅ coｎsiｄeｒed warrａnｔies ratｈｅr thaｎ reｐrｅｓentａｔiｏns. A) Ｉ ｏnly B） II oｎly C) both I aｎd II Ｄ) neither Ｉ ｎor ＩI Answｅr: Ａ
23、Quｅstion Ｓtatus: Prevｉｏus Edition 2１） David ｏwnｓ a ｌiquoｒ ｓtorｅ in a high－crｉme aｒeａ. Iｎ ｏrder ｔo obtaiｎ a ｒｅｄuced ｉnsurancｅ pｒemiuｍ， David ｐromised ｔo have a ｂuｒglar alarm ｏperatiｎg at the ｓtoｒe when tｈｅ ｓｔore wａs clｏｓeｄ. Tｈiｓ ａgrｅｅｍｅnｔ, whicｈ ｗas iｎcoｒｐorateｄ inｔo ｔhe iｎsｕrancｅ contract, iｓ a
24、ｎ examplｅ oｆ a Ａ) rｅprｅseｎtatiｏn. Ｂ) ｕniｌatｅral contrａｃｔ． Ｃ) cｏntｒaｃt ｏf adｈesｉｏn. D) warｒanty. Aｎswｅr: Ｄ Quesｔion Ｓtaｔｕs: Ｐrevｉous Editioｎ 22) Wｈich oｆ tｈe ｆｏlｌowing stａteｍｅnts ａbout offer and aｃceptancｅ fｏr inｓurance cｏntraｃｔs is ｔｒue? A) In properｔｙ ａnd ｌiaｂｉlity insｕranｃe, agents tｙｐｉc
25、allｙ ｄｏ nｏt haｖe the authｏritｙ to bｉnd coverage. B) In ｌiｆe iｎsuraｎce, the agent ｃａn usuａｌly aｃｃept ａｎ offer bｙ immｅdiaｔely ｂiｎding coｖｅrage. C） In prｏｐeｒｔｙ inｓurance, the oｆfｅr and accｅptaｎce aｒe ｕsually ｉｎ wｒiｔing but ｍａy ｂe oral. D) Ｉn life insuranｃe, the ｏｆｆer ｉs merｅly tｈe ｐrｏｍｉse to pａｙ
26、the fｉrst premium. Ａnsweｒ: C Ｑｕeｓtｉon Ｓtatus: Previous Edｉｔion 23) Ｃｈrｉs aｐplｉed for liｆe insurance ａnd paｉｄ the fiｒｓt premium oｎ Moｎｄay. Ｓｈe was gｉｖｅn an ｉｎｓｕｒability prｅmiｕｍ ｒeceipt whicｈ specified tｈaｔ coｖeraｇe was effecｔive on ｔｈe ｄatｅ of thｅ ａpｐlicａｔiｏｎ ｏr tｈe ｄaｔe ｏf the ｍeｄｉcaｌ exam, w
27、hｉchｅveｒ is ｌateｒ. She ｔｏｏk tｈe mｅdicａl ｅxaｍ thｅ ｆollｏｗiｎg Thｕrｓday. Sｈe was ｆounｄ tｏ be in ｐｅｒfeｃt healｔｈ. Oｎ which day was her cｏｖerage effｅctｉvｅ？ A) on Mondaｙ, when she ｃompletｅd tｈｅ ａpplicaｔioｎ aｎd pａiｄ tｈe fｉｒsｔ premｉuｍ Ｂ) on Wedneｓday, two dayｓ afteｒ cｏｍｐｌetiｎg the applｉcatｉｏn ａnd payｉng tｈe
28、 fiｒsｔ premiｕm Ｃ） on Thursｄay when shｅ paｓｓｅd the mｅdｉcal ｅxaｍ D) on Sａturｄａy, tｗｏ days after pasｓing tｈｅ mｅdiｃal exａm Ａnsｗer: C Qｕestｉon Staｔus: Previous Edition 2４) Whｉcｈ of thｅ folｌowing stａtｅｍeｎtｓ ａboｕt conｓｉｄeratiｏn in ａn insurance conｔract is (aｒe） ｔrue？ Ｉ. Ｔhe inｓuｒed's ｔotal ｃonsid
29、eration is suｂｍissiｏｎ of a cｏmpleｔｅd ａpｐlicatiｏn. IＩ. Ｔhe insurer's coｎｓideratiｏn ｉs the ｐrｏｍisｅ ｔｏ dｏ thoｓe ｔhinｇs sｐeｃiｆied in the ｐolｉcy. A) Ｉ ｏnly B） II ｏｎly C) botｈ I anｄ ＩI D) ｎeithｅr I ｎｏr IＩ Aｎｓwer： Ｂ Quｅsｔioｎ Staｔus: Preｖiouｓ Editｉｏn ２5) A conｔract in whiｃh the values eｘcｈangeｄ
30、are not eｑuaｌ because cｈance iｓ invｏｌveｄ ｉs called a（n） A) contracｔ ｏｆ adhesｉｏn． B) unilatｅｒal contract． C） conditioｎal contraｃt. D） ａleaｔory ｃoｎtract. Aｎｓwer: D Question Sｔａtｕｓ: Preｖious Editｉoｎ 26) Whｙ aｒe ｉnsuｒａｎｃe conｔrａcｔs ｓａid to be cｏnｔracts of ａdhｅsion? A) The valuｅs ｅxcｈａnｇｅd by
31、 tｈe partiｅs to thｅ contract ａre not equal. Ｂ） Oｎe ｐａrｔy wriｔeｓ thｅ contract, anｄ the other paｒty must accepｔ the eｎtirｅ ｃoｎtraｃt ａs written. C) Only ｏne ｐartｙ mａｋｅｓ ａ ｌegaｌｌy enfｏrceaｂｌe pｒomisｅ. D） Cｏｎdｉｔiｏns are plaｃeｄ ｏn the ｉnsurｅr's prｏmｉse to perｆorm． Ａnsｗｅr: Ｂ Ｑuestioｎ Ｓtａtus: Ｒｅviseｄ
32、 2７） Ｗｈｙ does tｈｅ ｉnsuｒeｄ geｔ ｔｈe ｂenｅfit of the doubｔ if an ｉnsuraｎce pｏlicy contaiｎs any amｂｉgｕｉties or uｎceｒｔainties？ Ａ) bｅｃauｓe iｎsurance contractｓ aｒe aｌｅａｔoｒy Ｂ) bｅｃaｕsｅ ｉnｓｕraｎce conｔrａcｔs are unilateｒal C) becａuse iｎｓurance cｏntｒacｔｓ are ｃｏｎditionａl D) ｂeｃause ｉnsuraｎce contraｃtｓ arｅ ｃo
33、ntractｓ of adhｅsion Answeｒ: D Quesｔion Stａtuｓ: Preｖioｕs Edition 28） Whｙ can ａｎ insｕrer ｒefｕｓｅ to paｙ a cｌaim if an inｓｕred failｓ to ａｂide by tｈe poｌicｙ proｖisｉons? A) because insuranｃｅ contraｃts ａre ａｌｅatory B) becａｕｓe iｎsuraｎce ｃoｎtｒacts ａrｅ ｕnｉlａtｅrａl Ｃ) ｂecaｕｓe inｓuranｃｅ ｃｏnｔｒａcts ａｒe c
34、oｎditional D） becａuｓe insｕrancｅ contracts are contraｃts oｆ adhｅｓiｏｎ Aｎswer: C Question Stａｔuｓ: Preｖiouｓ Edｉｔion ２9) Wｈｉch oｆ the ｆolｌoｗing types ｏｆ insurance poｌicies ｃan usually bｅ asｓｉｇned witｈouｔ the insｕｒer'ｓ conseｎｔ? I.ﻩLｉfｅ insｕraｎce ＩI.ﻩPrｏperty insuｒance Ａ） I only Ｂ) II ｏnｌy C)
35、ｂoth I aｎd II D) neiｔhｅｒ I noｒ II Ａnswer: A Question Ｓtatus: Pｒevious Edｉtion 30) Wｈａt iｓ ｔhe pｒacticａl ｅffect of ａn insurance ｐolｉcy bｅing a ｃｏndｉtiｏnal coｎtract? Ａ) Tｈe insurer can refuse to ａ paｙ ｃlaiｍ ｕnless the insuｒeｄ has cｏmplieｄ ｗiｔｈ all policｙ proｖisions. B） Tｈｅ iｎｓureｄ can assign
36、 the polｉcy onｌy with the insureｒ's consenｔ. C） The ｉnsurer can suｅ ｔhｅ ｉnsurｅd foｒ fａilure to pａy ａny premiums． D) Ｔhe insured gets ｔhe bｅnefiｔ of tｈe dｏｕbt if ａ policy ｃｏntains ａｎy ａmbｉgｕitiｅs ｏｒ uncertａiｎtieｓ． Answer: A Question Statuｓ: Revised 3１） What is tｈe practical effect of an inｓu
37、ranｃe policy ｂeｉng a cｏntraｃｔ of ａdhesion? Ａ) Tｈe insｕrer caｎ ｒefｕsｅ to pay ｃlaims unlesｓ ｔhe ｉnsured hａs cｏmpｌied ｗith ａll poｌicｙ pｒｏvisｉons. B) The insｕｒｅｄ ｃan ａｓｓign the ｐoliｃy ｏｎly wiｔｈ the insurer＇ｓ ｃonsｅnt. C） Tｈe ｉnsurer can sue the iｎｓuｒed for failuｒe to pａy any prｅｍiｕmｓ. D) Tｈe poliｃy i
38、ｓ interpreted ｉｎ ｔｈe insurｅｄ's faｖｏｒ ｉｆ the poｌicｙ cｏｎtaiｎs aｎy ａmbｉguitiｅs or uｎｃertaintｉes. Anｓｗeｒ: D Queｓtiｏn Ｓtatus: Pｒeviｏuｓ Ｅdｉtiｏn ３２) All of thｅ follｏwing statｅmenｔs ａbout ｔｈe ruleｓ goverｎｉｎg aｇenｃy relａtionshｉps are truｅ EXCEＰＴ A） Ａn ageｎt ｍuｓｔ ｂe authｏrized to act on behalf of a pｒin
39、ｃipal． B) An aｇｅncy agreement maｙ grant ｃertain pｏｗers tｏ the aｇent aｓ wｅｌl as ｄenyｉnｇ the agent other powerｓ． C) The ｐriｎcipａl is resｐｏnsiblｅ fｏｒ the acts oｆ aｇeｎtｓ onｌy ｉf tｈe acts aｒe criminａl. Ｄ) Knowledｇe of tｈe agent is ｐrｅsumed tｏ be knowledge oｆ the princiｐal wiｔh rｅspect tｏ ｍattｅｒs withi
40、n ｔhｅ scoｐe of ｔｈe agencｙ relationsｈip. Ａｎｓｗer： Ｃ Ｑuestiｏn Status: Ｐreviｏus Edition 33) The ｖｏluntary ｒeｌinquiｓhmeｎt of a ｌegal ｒight is cａlled A） subrogaｔion. Ｂ) ａdhesioｎ. C) estopｐeｌ. D) waｉver. Ansｗer： D Quｅsｔｉoｎ Sｔaｔus： Ｐｒevioｕs Ｅditiｏn 34） Frａｎk asｋｅｄ ｈｉs coｍpaｎy＇s ｅmplｏyｅe be
41、nefiｔs diｒector if his grouｐ health coverａge cｏuld be coｎveｒtｅd tｏ individual covｅragｅ. The ｂenefits ｄirector ｓaｉd, "Yｅs， you cａｎ ｃonvｅrt to an indivｉdual ｐolicy, and ｔhe ｃoveraｇe ｉs ｉdentｉcal to your ｇroｕｐ covｅrage." Fraｎｋ qｕｉt ｈis ｊob ａｎｄ convｅｒtｅｄ ｔo aｎ indiｖidｕａl policy． Sｉｘ montｈｓ ｌａtｅr he ｆil
42、eｄ a claim. He was dismayｅｄ to learn the coｎvｅｒsｉon poliｃｙ wａs limited comｐared tｏ ｔhｅ ｇrｏuｐ covｅrage, aｎd his claim was deｎied． What ｌegａl dｏｃtriｎｅ will allow Fｒanｋ to bring a ｓｕccessfｕl ｌegａl ａction againsｔ hｉs ｆormｅr ｅmｐloyer ｂｅcause he wａs fｉｎaｎｃｉａlly harmeｄ due to ｈiｓ rｅaｓｏnable rｅliａnce uｐｏn
43、a represenｔation of fａｃt? A) ａｄhesiｏn Ｂ) coｎcealment C） estopｐeｌ D） sｕｂｒｏgatｉoｎ Answer: C Queｓtion Ｓtaｔus: Reviｓeｄ 35) Janice purchaｓeｄ a ｌｉving room set for ＄1,０0０ ａnd ｉnsｕrｅd tｈiｓ ｆｕrｎituｒe oｎ an actual cash value bａsis. Tｗo ｙearｓ latｅｒ the livinｇ roｏm sｅt wａs deｓtroyｅｄ by a covered per
44、il. Aｔ ｔhｅ time oｆ lｏss, thｅ ｐｒｏpertｙ hａd depｒecｉated in value ｂy ２5 ｐeｒcｅｎt． The replaｃement coｓt oｆ tｈe ｆｕrnituｒe at the time ｏf loss wａs $１,2０0. Assuｍｉng no deｄuｃｔｉblｅ, how muｃｈ will Janicｅ receive from her ｉｎsurｅr？ A) ＄９00 Ｂ） ＄9５0 C) $1,000 Ｄ) $1,２０0 Ａｎｓwer: Ａ Quｅstion Stａtus: Prｅvious E
45、dition 36) Jacoｂ ｓｏld hｉs house ｔｏ Shelｉa for $140，000 in cａsh. Ｊaｃｏb ＂threw ｉｎ" iｎsurance oｎ the house ａs parｔ of the ｄeal aｎd did ｎoｔ bｏtｈer tｅｌling ｔｈe ｉｎsuｒeｒ thaｔ tｈere ｗaｓ a ｎew oｗner． Ｆour months afｔer Sｈｅlia purｃｈaｓｅd thｅ hｏｍe， a winｄｓtｏｒm damaged the rｏof． Which of ｔｈe folｌowing legal ｃhａｒ
46、acｔeristics ｏf iｎｓurance contraｃtｓ cｏuld the iｎsureｒ usｅ to ｌegaｌｌy ｄeny payｍent ｆoｒ thｅ damage to the rｏoｆ? A) Inｓｕｒanｃe cｏntrａcts are ｕｎilatｅraｌ contracts． B) Ｉnｓuｒance coｎｔaｃtｓ are cｏntracts of adheｓion. C) Ｉnsurancｅ ｃontractｓ aｒe ａleaｔory ｃｏｎtracts. Ｄ） Ｉnsuｒance contｒaｃts aｒe ｐｅrsonal cｏntｒａ
47、ctｓ. Answeｒ: D Queｓtｉon Staｔｕｓ： Pｒeviｏｕs Edｉｔioｎ 37) Melody'ｓ ｃar was dａmaged when ａnother ｄriveｒ ｒan a stop ｓign and hit her cａｒ. Melodｙ decideｄ to collect from hｅr own ｉnｓuｒer and to lｅt ｈｅr ｉｎsurer recoｕｐ tｈe lｏss ｐaymenｔ frｏm the ｎｅgligｅｎt ｄrivｅr ｗho hiｔ ｈer. What funｄaｍental leｇal ｐrinci
48、ｐle is illuｓtrated in this sｃenario? A) ｔｈe priｎciple oｆ utmost gooｄ ｆaith B） thｅ prinｃiple of insurａble inｔeｒeｓt C） the princｉple of subrogａtｉon D) the principle oｆ ｒeasonaｂle expeｃtationｓ Ａnsｗer: Ｃ Ｑｕestｉon Staｔｕｓ： Ｐrevious Editｉｏｎ 3８) Ｗheｎ Bｅn aｐpｌｉed foｒ life insurance， he was asked o
49、ｎ ｔhe appliｃatｉon if he sｍokeｄ oｒ used ｔoｂaccｏ ｐroｄuｃtｓ. Ben aｎsｗeｒed "Nｏ.＂ Ｉn rｅａｌiｔy, Ben ｓmｏkes tｗｏ ｐａｃks of ｃｉgarｅｔteｓ a ｄay. Ｔｈe poｌicy wａs ｉssued at the "pｒｅfeｒred, noｎｓmokｅr rａte." Iｆ Ben dies ６ moｎthｓ aｆter the policy iｓ issued, upoｎ what groｕnds wｉｌl ｔｈe iｎsurer be able tｏ ｌeｇａlly ｄeny thｅ
50、ｃlａｉm？ Ａ) waｒrａnty B) miｓrepｒesentaｔion C) ｗaｉveｒ Ｄ) concｅａｌmenｔ Aｎｓwｅｒ: B Quｅsｔiｏn Ｓtaｔuｓ： Pｒevioｕｓ Eｄiｔion 3９) Robin ｐｌａns to open a baｒ iｎ a hｉgh-ｃrｉme ａｒea. She ｈad dｉfficｕｌty oｂtainiｎg inｓuｒance ｆor the bｕsｉness． She fｏund aｎ ｉｎｓuｒer ｗｉllｉng tｏ wrｉｔe ｔｈe coｖeraｇe， but ｏnｌｙ if Ｒoｂｉn a
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