Cấu trúc & Điều khoản hợp đồngCâu 516 / 531
The entire contract provision in a property and casualty policy means that:
a.The agent's spoken promises modify the contract
b.The insurer's underwriting file is part of the deal
c.The company's advertising becomes a warranty
d.The policy and application are the whole contract
Giải thích
The provision confines the agreement to the written policy plus whatever is attached to it, so nothing outside the four corners of the document adds to or subtracts from coverage. That is why an agent's oral assurance cannot rewrite the form and why the underwriting file and the company's brochures are not part of the bargain. Any change must be made by a written endorsement made part of the contract.
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Câu hỏi liên quan cùng chủ đề
- An endorsement is attached to a policy and its wording conflicts with the printed form. The result is that:
- An agent holding binding authority tells an applicant by phone that coverage is in force, and the building burns before any paperwork is issued. The likely outcome is that:
- Mid-term, an insurer broadens the coverage of its standard form without charging more for it. Under the liberalization clause the change:
- An applicant says nothing about a fire that destroyed an earlier building at the same location, and the insurer does not ask about it. This is best described as:
- Immediately after a covered fire, which action is a duty the policy places on the insured?
- In the claim process, a proof of loss is best described as:
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