OTL AUTO CHAPTER 7 UPDATED QUESTIONS AND ANSWERS
Following an accident involving two drivers, who has the onus of proof during a lawsuit? - CORRECT
ANSWER✅✅The person suing (plaintiff).
When was direct compensation for vehicle damage system introduced in Ontario? - CORRECT
ANSWER✅✅June 1990
In Ontario, how is the responsibility for an automobile accident assigned? - CORRECT ANSWER✅✅By
referencing the fault determination rules
In automobile insurance, what does no-fault mean? - CORRECT ANSWER✅✅Claimants are
compensated by their own insurer regardless of who was at fault.
In which automobile insurance system are insureds compensated by their own insurer regardless of
responsibility? - CORRECT ANSWER✅✅No Fault insurance
Devon was involved in a motor vehicle accident and her antique painting, which was in her vehicle, was
destroyed. Devon was compensated under the DCPD section of her policy. Can Devon's insurer
subrogate against the at-fault driver for the damaged painting? - CORRECT ANSWER✅✅Yes, to the
degree that Devon was not at fault if the painting was valued in excess of $20,000
Why were automobile insurance related direct compensation systems created? - CORRECT
ANSWER✅✅To reduce delays caused by the 'tort' system and provide injured parties with quicker
access to benefits and treatment.
Which statement describes the coverage provided by Section 6 - Direct Compensation Property Damage
(DCPD) of the OAP 1 Owner's form? - CORRECT ANSWER✅✅It covers damage to the insured
automobile, its contents and for its loss of use to the extent that the insured is not at fault for the
accident
Would an insured's third-party liability coverage respond to damage caused to the insured's automobile
by a third-party? - CORRECT ANSWER✅✅No, Third-Party Liability Coverage responds to damage the
insured is responsible for causing to someone else's automobile.
Following an accident involving two drivers, who has the onus of proof during a lawsuit? - CORRECT
ANSWER✅✅The person suing (plaintiff).
When was direct compensation for vehicle damage system introduced in Ontario? - CORRECT
ANSWER✅✅June 1990
In Ontario, how is the responsibility for an automobile accident assigned? - CORRECT ANSWER✅✅By
referencing the fault determination rules
In automobile insurance, what does no-fault mean? - CORRECT ANSWER✅✅Claimants are
compensated by their own insurer regardless of who was at fault.
In which automobile insurance system are insureds compensated by their own insurer regardless of
responsibility? - CORRECT ANSWER✅✅No Fault insurance
Devon was involved in a motor vehicle accident and her antique painting, which was in her vehicle, was
destroyed. Devon was compensated under the DCPD section of her policy. Can Devon's insurer
subrogate against the at-fault driver for the damaged painting? - CORRECT ANSWER✅✅Yes, to the
degree that Devon was not at fault if the painting was valued in excess of $20,000
Why were automobile insurance related direct compensation systems created? - CORRECT
ANSWER✅✅To reduce delays caused by the 'tort' system and provide injured parties with quicker
access to benefits and treatment.
Which statement describes the coverage provided by Section 6 - Direct Compensation Property Damage
(DCPD) of the OAP 1 Owner's form? - CORRECT ANSWER✅✅It covers damage to the insured
automobile, its contents and for its loss of use to the extent that the insured is not at fault for the
accident
Would an insured's third-party liability coverage respond to damage caused to the insured's automobile
by a third-party? - CORRECT ANSWER✅✅No, Third-Party Liability Coverage responds to damage the
insured is responsible for causing to someone else's automobile.
