保单结构与条款第 512 / 531 题
Insurers write exclusions into a property policy chiefly in order to:
a.Remove uninsurable or catastrophic exposures
b.Reduce the number of claims that get reported
c.Satisfy a federal standard on policy forms
d.Keep the insured from filing a lawsuit later
解析
Exclusions keep the policy insurable and affordable by removing losses that are catastrophic or not accidental, exposures better handled by a different policy, and hazards only some insureds face and only they should pay for. Blocking lawsuits is not the purpose, and there is no federal standard dictating what a property form must exclude, since insurance is regulated primarily at state level.
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同考点相关题目
- A binder in property and casualty insurance is:
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- An endorsement is attached to a policy and its wording conflicts with the printed form. The result is that:
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