質問 1：
Trevor is cutting down a tree in his backyard. The tree accidentally falls onto his neighbour's shed, destroying the roof. Two weeks later, Trevor receives a document from his neighbour suing him for the damages to the shed and its contents. Which document has Trevor received?
A. Judgment notice
B. Statement of defence
C. Damages attestation
D. Statement of claim
正解：D
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
What does the term contra proferentem mean?
A. Any uncertainty in the policy wording will be construed in the insured's favour.
B. Any insured listed on the policy must comply with all obligations under the policy.
C. The policy can be affirmed at the option of the insured.
D. The policy will be treated as if it never existed.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?
A. The dwelling's owner who is responsible for the tenant's actions
B. The insurer that issued the homeowners policy
C. The insurer that issued the tenant's legal liability policy
D. The tenant who negligently caused the fire
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Miro's vehicle and Stephanie's vehicle collide with each other in New Brunswick. Neither of them has loss or damage coverage, also known as collision coverage. The chart shows the physical damage and assigned fault.
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%
A. Miro can collect $2,000 from his insurer; Stephanie can collect $1,000 from her insurer.
B. Miro can collect $2,000 from his insurer and $2,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $1,000 from Miro's insurer.
C. Miro can collect $2,000 from his insurer and $1,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $500 from Miro's insurer.
D. Miro can collect $4,000 from his insurer; Stephanie can collect $2,000 from her insurer. Miro's insurer will subrogate against Stephanie's insurer for $2,000 and Stephanie's insurer will subrogate against Miro's insurer for $1,000.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
Marsha, a broker, receives a call from a frustrated client regarding their increasing premium. How should she explain the increase to the client?
A. Premiums are determined by statistical predictions of future losses and they increase during a hard market.
B. Premiums are determined by statistical predictions of future losses and they increase during a soft market.
C. Premiums are determined by statistical predictions of past losses and they increase during a soft market.
D. Premiums are determined by statistical predictions of past losses and they increase during a hard market.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 6：
A client who wants coverage for a risk, independent from the risk a broker previously arranged coverage for, is usually required to submit which document?
A. Statement of change request
B. Broker of record letter
C. Formal written application
D. Insured's authorization application
正解：C
解説: (Pass4Test メンバーにのみ表示されます)
質問 7：
A commercial general liability policy has an aggregate limit of $1,000,000. During the current term, the insurer has already paid for three liability claims: one for $100,000, a second for $500,000, and a third for
$300,000. How much will the insurer pay if a new claim of $300,000 is submitted?
A. $0
B. $100,000
C. $1,000,000
D. $300,000
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
Trevor is cutting down a tree in his backyard. The tree accidentally falls onto his neighbour's shed, destroying the roof. Two weeks later, Trevor receives a document from his neighbour suing him for the damages to the shed and its contents. Which document has Trevor received?
A. Judgment notice
B. Statement of defence
C. Damages attestation
D. Statement of claim
正解：D
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
What does the term contra proferentem mean?
A. Any uncertainty in the policy wording will be construed in the insured's favour.
B. Any insured listed on the policy must comply with all obligations under the policy.
C. The policy can be affirmed at the option of the insured.
D. The policy will be treated as if it never existed.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?
A. The dwelling's owner who is responsible for the tenant's actions
B. The insurer that issued the homeowners policy
C. The insurer that issued the tenant's legal liability policy
D. The tenant who negligently caused the fire
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Miro's vehicle and Stephanie's vehicle collide with each other in New Brunswick. Neither of them has loss or damage coverage, also known as collision coverage. The chart shows the physical damage and assigned fault.
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%
A. Miro can collect $2,000 from his insurer; Stephanie can collect $1,000 from her insurer.
B. Miro can collect $2,000 from his insurer and $2,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $1,000 from Miro's insurer.
C. Miro can collect $2,000 from his insurer and $1,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $500 from Miro's insurer.
D. Miro can collect $4,000 from his insurer; Stephanie can collect $2,000 from her insurer. Miro's insurer will subrogate against Stephanie's insurer for $2,000 and Stephanie's insurer will subrogate against Miro's insurer for $1,000.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
Marsha, a broker, receives a call from a frustrated client regarding their increasing premium. How should she explain the increase to the client?
A. Premiums are determined by statistical predictions of future losses and they increase during a hard market.
B. Premiums are determined by statistical predictions of future losses and they increase during a soft market.
C. Premiums are determined by statistical predictions of past losses and they increase during a soft market.
D. Premiums are determined by statistical predictions of past losses and they increase during a hard market.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 6：
A client who wants coverage for a risk, independent from the risk a broker previously arranged coverage for, is usually required to submit which document?
A. Statement of change request
B. Broker of record letter
C. Formal written application
D. Insured's authorization application
正解：C
解説: (Pass4Test メンバーにのみ表示されます)
質問 7：
A commercial general liability policy has an aggregate limit of $1,000,000. During the current term, the insurer has already paid for three liability claims: one for $100,000, a second for $500,000, and a third for
$300,000. How much will the insurer pay if a new claim of $300,000 is submitted?
A. $0
B. $100,000
C. $1,000,000
D. $300,000
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
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