素敵なC11復習資料一回合格-素晴らしいC11問題数
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IICのC11試験に合格するのは難しいですが、合格できるのはあなたの能力を証明できるだけでなく、国際的な認可を得られます。IICのC11試験の準備は重要です。我々It-Passportsの研究したIICのC11の復習資料は科学的な方法であなたの圧力を減少します。
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IIC Principles and Practice of Insurance 認定 C11 試験問題 (Q17-Q22):
質問 # 17
Mark was involved in an at-fault accident one year ago. As there was minimal vehicle damage and no apparent injuries, Mark settled with the third party and did NOT report the accident to his insurer. Today, Mark has been served a statement of claim alleging long-term injuries. Which action will Mark's insurer MOST LIKELY take, and why?
- A. Pay the claim because accident benefit coverages have no expiration date
- B. Deny the claim because a limitation period is in effect
- C. Deny the claim because Mark had forfeited the right of recovery
- D. Pay the claim because Mark's current policy must respond to a liability claim
正解:C
解説:
Insurance policies require the insured to report all accidents promptly, even when they appear minor. By settling privately and failing to notify the insurer, Mark violated a fundamental policy condition. This breach is significant because it prejudices the insurer's rights: the insurer lost the opportunity to investigate, defend, or control settlement negotiations. Under the statutory conditions (especially for automobile insurance), failure to report may result in the forfeiture of the insured's right to recovery.
Option A is incorrect because limitation periods vary and do not automatically cause a denial; moreover, the issue is the insured's breach, not limitation law. Option C is incorrect because this is a liability claim, not accident benefits. Option D is incorrect because the current policy does not automatically cover past unreported accidents, and coverage can be denied if the insured breached statutory reporting conditions.
Thus, the insurer will most likely deny coverage because Mark forfeited his rights by failing to report the loss, making B correct.
質問 # 18
John convinces Louise to sign a contract for room and board at his house in Montreal in exchange for $1,000.
When Louise prepares to move in, John informs her that she will be staying in a room at a run-down hotel he owns. Which cause of nullity is Louise MOST LIKELY to employ to cause the contract to be of no effect?
- A. Violence
- B. Lesion
- C. Error
- D. Fraud
正解:D
解説:
Under contract law principles referenced inPrinciples and Practice of Insurance, a contract is only valid when both parties givefree, informed, and genuine consent. Fraud occurs when one party intentionally misleads another through deception, false representation, or concealment to induce consent. In this scenario, John intentionally misrepresented the nature of the accommodation-promising his private residence while intending to place Louise in a different, inferior property.
Because Louise agreed based on amaterial misrepresentation, the contract is voidable due tofraud, meaning she can invoke nullity and have the contract deemed without effect. Fraud differs from error in that the misinformation wasdeliberatelycreated by John. It is not lesion (which relates to unfair disadvantage in value) nor violence (which involves physical or psychological coercion). Therefore, the correct answer isB. Fraud.
質問 # 19
Which role is directly employed by the Canadian property and casualty insurance industry?
- A. Lawyer
- B. Mechanic
- C. Health professional
- D. Travel agent
正解:A
解説:
The Canadian property and casualty (P&C) insurance industry employs a range of specialized professionals who support the underwriting, claims, regulatory, and legal functions necessary for insurance operations.
Lawyers are commonly employed directly by insurers to provide advice on policy interpretation, defend claims litigation, ensure regulatory compliance, draft contracts, and handle disputes. They play a crucial role in the claims process, particularly for liability claims and complex legal matters.
Mechanics, travel agents, and health professionals are not directly employed by the P&C insurance industry.
Mechanics may work with insurers as third-party repair facilities, but they are not typically employees. Travel agents relate to travel services, not insurance employment. Health professionals may support life and health insurers or provide assessments for claims, but they are not ordinarily employed in theproperty and casualtysector. Therefore, the correct answer is A: Lawyer.
質問 # 20
Karl recently purchased a house in Winnipeg. Prior to the purchase he asked if the house had termites. The house was infested, but the seller falsely stated there were none. After signing the contract, Karl discovered the infestation. Which element makes the purchase contract voidable?
- A. Innocent misrepresentation
- B. Fraudulent misrepresentation
- C. Mistake about assumptions
- D. Undue influence
正解:B
解説:
A contract becomes voidable when one party is induced to enter it through fraudulent misrepresentation.
Fraudulent misrepresentation occurs when a party knowingly makes a false statement, intending to mislead the other party, and the misled party relies on that statement when entering the contract. In this scenario, the seller knew the house had termites but intentionally misrepresented the truth when questioned by Karl. This is a deliberate falsehood, fulfilling all elements of fraud: false representation, knowledge of falsity, intent to induce reliance, actual reliance, and resulting detriment.
Undue influence involves pressure or dominance, which is not present. A mistake about assumptions only applies when both parties are mistaken in good faith about a fundamental fact-here the seller acted deliberately. Innocent misrepresentation involves an unintentional error, but the scenario explicitly describes intentional deception. Thus, the correct legal classification is fraudulent misrepresentation.
質問 # 21
Which is a pre-loss objective of risk management for an organization?
- A. Operational continuity
- B. Business development
- C. Sustained growth
- D. External obligations
正解:A
解説:
Pre-loss objectives in risk management are goals an organization aims to achievebeforeany loss occurs. These objectives focus on minimizing the frequency and severity of losses, ensuring preparedness, and maintaining organizational functionality.
Operational continuityis a key pre-loss objective because it emphasizes having systems, controls, and procedures in place to ensure that operations run smoothly-even when risk exposures are present. This includes safety programs, maintenance schedules, compliance measures, and contingency planning.
Operational continuity ensures the business can withstand or avoid disruptions.
Option A (external obligations) is vague and not formally defined as a risk management objective.
Option B (sustained growth) and D (business development) arebusiness goals, not pre-loss risk management objectives.
Thus, the correct answer isC: Operational continuity.
質問 # 22
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IIC C11復習資料 お客様が問題を解決できるように、当社は常に問題を最優先し、価値あるサービスを提供することを強く求めています、弊社からC11試験準備を購入する場合、リラックスした状態で試験に合格すると信じています、IIC C11復習資料 「ノーパス全額返金」を保証します、C11準備試験は、業界で高い合格率を達成しており、C11試験問題では、絶え間ない努力で常に99%の合格率を維持しています、IICのC11試験は大変です、IIC C11復習資料 学歴がどんなに高くて、能力がどんなに低くても、首尾よく試験に合格することができます、It-PassportsのIICのC11試験トレーニング資料は試験問題と解答を含まれて、豊富な経験を持っているIT業種の専門家が長年の研究を通じて作成したものです。
あなたは今、エネルギーにいくら費やしていますか、主要な業界の垂直イベントに参加C11したり、信頼できるユースケースやサクセスストーリーで講演の機会を得たりします テクノロジーパートナーのさらなる適応と、オープンソースプラットフォームの付加価値。
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