OTL AUTO CHAPTER 6 EXAM QUESTIONS AND ANSWERS FULLY SOLVED LATEST 2025
As optional coverage to an insured with an OAP 1. - Answers How is the family protection endorsement
(OPCF 44R) sold in Ontario?
The maximum coverage available is the provincial minimum limit. - Answers What is the maximum
amount a motorist can recover for bodily injury if they are injured by a hit-and-run driver?
Claim from the uninsured automobile coverage of his own policy - Answers Walter was hit by an
uninsured driver and has severe injuries that meet verbal threshold. Walter has used the coverage
available under his accident benefits. What else can Walter do?
The limit is a maximum of the difference between the provincial minimum limit ($200,000 in Ontario)
and the OPCF 44R endorsement limit. - Answers What limit of insurance is provided by the family
protection endorsement (OPCF 44R)?
Uninsured - Answers What is an automobile where neither the owner nor the driver has liability
insurance considered to be?
$300 - Answers What is the applicable deductible for the physical damage coverage provided by the OAP
1—Uninsured Automobile?
The shortfall created if an at-fault driver carries inadequate insurance to pay for the bodily injury or
death damages s/he caused to a third party. - Answers Generally, what does the family protection
endorsement (OPCF 44R) cover?
Within 30 days of the accident - Answers Within which time period must an insured provide a written
statement regarding bodily injury if the third party is unidentified or uninsured?
They intend to provide coverage to victims of automobile accidents who otherwise have no coverage or
not enough coverage. - Answers What do the motor vehicle accident claims funds (MVACFs); uninsured
motorist coverage; and underinsured motorist coverage, have in common?
Yes, both Miles and Bruce would be considered persons insured, despite there being no blood
relationship to Priscilla. - Answers Priscilla, her stepson Bruce, and his friend Miles were in a car accident
with an uninsured person. Brue and Miles are killed. Would Bruce and Miles be considered insureds
under the Uninsured Motorist section of her policy?
No, because Karen is uninsured she has no right to recover for damages to her automobile. - Answers
Lacey was at fault in a collision with Karen who is an uninsured driver. Can Karen seek compensation
from Lacey's third-party liability coverage for the damage to her vehicle?
OAP 1 - Answers Where does the insured get Uninsured Motorist Coverage?
As optional coverage to an insured with an OAP 1. - Answers How is the family protection endorsement
(OPCF 44R) sold in Ontario?
The maximum coverage available is the provincial minimum limit. - Answers What is the maximum
amount a motorist can recover for bodily injury if they are injured by a hit-and-run driver?
Claim from the uninsured automobile coverage of his own policy - Answers Walter was hit by an
uninsured driver and has severe injuries that meet verbal threshold. Walter has used the coverage
available under his accident benefits. What else can Walter do?
The limit is a maximum of the difference between the provincial minimum limit ($200,000 in Ontario)
and the OPCF 44R endorsement limit. - Answers What limit of insurance is provided by the family
protection endorsement (OPCF 44R)?
Uninsured - Answers What is an automobile where neither the owner nor the driver has liability
insurance considered to be?
$300 - Answers What is the applicable deductible for the physical damage coverage provided by the OAP
1—Uninsured Automobile?
The shortfall created if an at-fault driver carries inadequate insurance to pay for the bodily injury or
death damages s/he caused to a third party. - Answers Generally, what does the family protection
endorsement (OPCF 44R) cover?
Within 30 days of the accident - Answers Within which time period must an insured provide a written
statement regarding bodily injury if the third party is unidentified or uninsured?
They intend to provide coverage to victims of automobile accidents who otherwise have no coverage or
not enough coverage. - Answers What do the motor vehicle accident claims funds (MVACFs); uninsured
motorist coverage; and underinsured motorist coverage, have in common?
Yes, both Miles and Bruce would be considered persons insured, despite there being no blood
relationship to Priscilla. - Answers Priscilla, her stepson Bruce, and his friend Miles were in a car accident
with an uninsured person. Brue and Miles are killed. Would Bruce and Miles be considered insureds
under the Uninsured Motorist section of her policy?
No, because Karen is uninsured she has no right to recover for damages to her automobile. - Answers
Lacey was at fault in a collision with Karen who is an uninsured driver. Can Karen seek compensation
from Lacey's third-party liability coverage for the damage to her vehicle?
OAP 1 - Answers Where does the insured get Uninsured Motorist Coverage?
