RIBO-Level-1 무료 덤프문제 온라인 액세스

Which of the following would be considered a Moral Hazard?

• A.High traffic area prone to collisions.
• B.Use of asbestos insulation.
• C.Client overstating value of stolen items.
• D.Poor wiring in a home.

During a routine day at the brokerage, you receive an urgent call from a client requesting immediate assistance with a claim. At the same time, a notification pops up on your computer about a software update needed to maintain system security. You must balance these competing priorities effectively while adhering to cyber security protocols. What is the FIRST action you should take to ensure both customer service and cyber security are addressed?

• A.Confirm receipt of the client's request and begin processing the claim.
• B.Contact IT to assess the urgency of the software update.
• C.Pause and read the full details of the software update notification.
• D.Start the software update immediately to ensure security.

Section II - Liability Coverage of the Homeowners Comprehensive policy provides coverage for Voluntary Payment for Damage to Property in which situation?

• A.Property of others damaged intentionally by the insured's 10 year old son.
• B.Damage caused by a guest, who backed an automobile into a portable barbecue which the insured had borrowed from a neighbour.
• C.Theft from insured's premises of a shotgun on loan from a local sporting goods store.
• D.Damage to a ride-on lawn mower rented from a local rent-all establishment.

Additional Living Expense under a Homeowners Comprehensive policy is payable when the premises become unfit for occupancy in what circumstance?

• A.The insured's home has suffered damage by an insured peril.
• B.A room is damaged by rain entering a window left open during a heavy rainstorm.
• C.The insured must live elsewhere while the home is sprayed for insects.
• D.The insured is having his home renovated.

An insured is involved in an accident where a third party is 100% at fault. The insurer pays the insured $5,000 for their car repairs. The insurer then sues the third party to recover that $5,000. What is this legal process called?

• A.Indemnity.
• B.Subrogation.
• C.Contribution.
• D.Arbitration.