Policy Structure & Provisions第 470 / 474 题
A contractor's negligence floods the insured's kitchen, and the insured signs a paper releasing the contractor. The insurer may then:
a.Pay in full and then sue the insured
b.Refuse to pay what it cannot recover
c.Cancel the policy back to its start date
d.Pay the claim and still sue the contractor
解析
The subrogation condition transfers the insured's rights of recovery to the insurer once it pays, and it forbids the insured from doing anything after a loss that impairs those rights. An insured who releases the negligent party destroys the insurer's recovery and can lose the claim to that extent. A release given before any loss is a different matter and is generally permitted in writing.
免费刷完整 474 道题库 — 无需注册。
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
同考点相关题目
- A dry cleaner ruins a customer's coat. Under the no benefit to bailee condition, the cleaner:
- Under the loss payment condition, the insurer adjusts a covered loss with, and pays:
- Two policies cover the same $30,000 loss, one with a $200,000 limit and one with a $100,000 limit. Under the other insurance condition, the larger policy pays:
- A dwelling fire is traced to arson by the owner. Under the mortgage clause, the mortgagee shown on the declarations:
- The assignment condition provides that an insured who sells the home may hand the policy to the buyer:
- When a named insured dies during the policy period, coverage on the covered property continues for:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Personal Lines Insurance License Exam · 我们如何核对