保单结构与条款第 518 / 531 题
Immediately after a covered fire, which action is a duty the policy places on the insured?
a.Discard the damaged property to clear the site
b.Protect the property from further damage
c.Begin permanent repairs before an inspection
d.Settle directly with anyone who was injured
解析
Duties after loss include giving prompt notice, protecting the property from additional damage, preparing an inventory, cooperating with the investigation and submitting to examination under oath. Making permanent repairs or throwing out damaged goods first destroys the evidence the adjuster needs to value the claim, and settling voluntarily with a claimant is barred because it prejudices the insurer's defense.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- Mid-term, an insurer broadens the coverage of its standard form without charging more for it. Under the liberalization clause the change:
- The entire contract provision in a property and casualty policy means that:
- 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:
- In the claim process, a proof of loss is best described as:
- The insured and the insurer agree the fire loss is covered but cannot agree on what it is worth. Under the appraisal condition:
- The suit against us condition in a property policy provides that the insured may sue the insurer only if:
最近核对: · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对