Property Insurance Fundamentals第 225 / 474 题
On an open-perils form, once the insured shows that direct physical loss occurred, the insurer must:
a.Show an exclusion applies to deny the claim
b.Show the insured could have prevented it
c.Show the peril appears on a listed schedule
d.Show the loss exceeds the deductible amount
解析
Open-perils forms cover any direct physical loss unless it is excluded, so after the insured establishes that fortuitous damage happened, the burden moves to the insurer to point at an exclusion. Requiring a listed peril describes named-perils coverage. Preventability and the size of the deductible are separate questions and do not decide whether the loss falls inside the insuring agreement.
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同考点相关题目
- A percentage deductible on a homeowners policy differs from a flat deductible in that it is:
- A homeowners policy shows a dwelling limit of $280,000 and a 2% deductible; the home's full replacement cost is $350,000. A covered $34,000 loss occurs. The insurer pays:
- Under a named-perils property form, who carries the burden of proof when a claim is filed?
- The difference between a direct loss and an indirect or consequential loss is that the indirect loss is:
- A covered kitchen fire drives a family into a hotel for six weeks. Which part of that is the indirect loss?
- Proximate cause, as property insurance uses the term, refers to:
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