C11無料問題集「IIC Principles and Practice of Insurance」

質問 1

Which statement best describes unearned premium?

（A）The earned premium that has been paid out as the broker's commission

（B）The accumulated premium that has not been paid out against a loss

（C）The premium that covers the policy duration that has not yet passed

（D）The premium that covers the policy period that has expired

正解：C 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 2

Which type of clause grants additional protection to the entity that has a registered interest on real property?

（A）Additional Interest clause

（B）Bailee clause

（C）Mortgage clause

（D）Lienholder clause

正解：C 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 3

Samuel is a broker who does NOT have claims-handling authority. He received a call from an insured at the scene of an auto accident. The insured was upset, and Samuel reassured her that everything would be fine because she had coverage. Later, the insurer denied the claim due to impaired driving. What should Samuel have done differently?

（A）Told the insured that the insurer would have to investigate before he could answer her concerns

（B）Told the insured to take immediate responsibility for the accident to uphold utmost good faith

（C）Asked the insured more details and informed her the claim would not be covered

（D）Asked to speak to the police officer at the scene to determine legal implications

正解：A 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 4

A company suffers an $80,000 theft loss from its commercial property.
Insurer A covers the property for $300,000.
Insurer B covers the same property for $100,000.
Assuming both policies have identical terms, how is the $80,000 loss shared?

（A）Insurer A pays $40,000; Insurer B pays $40,000

（B）Insurer A pays $60,000; Insurer B pays $20,000

（C）Insurer A pays $0; Insurer B pays $60,000

（D）Insurer A pays $80,000; Insurer B pays $0

正解：B 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 5

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?

（A）$25,000

（B）$75,000

（C）$60,000

（D）$100,000

正解：A 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 6

If thenet premiumis $4,000 and thebroker's commissionis 20%, what is thepolicy premium?

（A）$3,200

（B）$6,500

（C）$5,000

（D）$4,500

正解：C 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 7

What does the term "subject of insurance" refer to?

（A）The company providing the coverage

（B）The thing being insured

（C）The perils associated with the risk

（D）The type of wording applicable to the policy

正解：B 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 8

Which action reduces a hazard?

（A）Installing anti-slip floor tile in the hallway

（B）Removing protective packaging around items being moved

（C）Using high beams at night on a busy highway

（D）Shutting off sprinkler systems during renovations

正解：A 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

質問 9

Kamal's home has an actual cash value (ACV) of $380,000 and is insured for $400,000. The house suffers
$180,000 damage. Which amount indemnifies Kamal?

（A）$200,000

（B）$180,000

（C）$400,000

（D）$380,000

正解：B 解答を投票する

解説: (JPNTest メンバーにのみ表示されます)

C11 無料問題集「IIC Principles and Practice of Insurance」

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