C14 Auto Exam 2024 | C-14 Auto Exam
Update Latest 2024 Questions and
Correct Answers Rated A+
Dangerous driving is an example of which of the following types of
offences?
A. Federal offence
B. Provincial offence
C. Municipal offence
D. Civil offence -ANSWER-A.) Dangerous driving is considered a
federal offence under the Criminal Code of Canada.
State why automobile insurance was created -ANSWER-Automobile
insurance has evolved along with society's mass adoption of cars for
transportation.
It evolved to cover the following:
Physical damage to vehicles and destruction or disappearance of
vehicles
Costs due to injuries or death arising from automobile accidents
Lawsuits to recover damages from accidents
Which of the following would be a municipal bylaw?
A. Dangerous driving
B. Zoning
C. Rules of the road
D. Trade between provinces -ANSWER-B.) Municipal governments
can make bylaws dealing with local matters, such as zoning, smoking,
animal control, and the issuance of construction permits.
Municipalities also enact crosswalk and parking bylaws and set speed
limits within their borders.
Who is the defendant in a civil matter?
,A. Person or organization that is being sued
B. Lawyer defending a person being charged with a crime
C. Lawyer prosecuting a person being charged with a crime
D. Person or organization that brings a legal action against another -
ANSWER-A.) A defendant in civil matters is the person or organization
that is being sued.
Who stands to incur costs if a vehicle is damaged or destroyed in an
accident?
A. Owner of the vehicle
B. Garage making repairs to the vehicle
C. Tow truck driver who towed the vehicle to the garage
D. Bystander who saw the accident that damaged the vehicle -
ANSWER-A.) The owner of the vehicle stands to incur costs if a
vehicle is damaged or destroyed in an accident.
Who is the plaintiff in a civil matter?
A. Person or organization that is being sued
B. Party who brings a legal action against another
C. Lawyer defending a person being charged with a crime
D. Lawyer prosecuting a person being charged with a crime -
ANSWER-B.) A plaintiff is the party who brings a legal action against
another.
What is the purpose of the standard driver's automobile policy?
A. Provides coverage for drivers who are driving vehicles they do not
own
B. Provides coverage for garages for customers' vehicles
C. Provides coverage for businesses that could be held liable for
damages caused by vehicles that they do not own
D. Provides coverage for vehicle owners if their car is damaged -
ANSWER-A.) The standard driver's automobile policy provides
coverage for drivers who are driving vehicles they do not own
Which of the following statements best describes contingent
insurance?
,A. Begins paying when all other similar insurance on the same subject
is exhausted
B. Applies if there is no other policy providing coverage
C. Is the first policy to respond to the loss
D. Drops down and covers when the total limit of the underlying policy
has been used up paying claims -ANSWER-B.) Contingent insurance
refers to a policy that is contingent on the absence of other insurance
and does not apply if there is another policy providing coverage.
Which cars require motor vehicle liability cards?
A. Only rental cars
B. Only commercial-use vehicles
C. All cars
D. All trucks, but not cars -ANSWER-C.) All cars require motor vehicle
liability cards.
Which type of information is included on a motor vehicle liability card?
A. Name and address of insurer
B. Age of principal driver
C. Insurance premium charged for the policy
D. Telephone number of the named insured -ANSWER-A.) The motor
vehicle liability card shows the following information: name and
address of insured; name and address of insurer; name and address
of agent or broker; description of insured vehicle; policy number; and
effective date and term of the policy.
Outline the penalties that could arise for motorists that drive without
insurance. -ANSWER-Penalties for driving without insurance
There are fines for vehicle owners, lessees, and drivers who do not
carry valid automobile insurance.
People found driving without valid insurance can also have their
driver's licence suspended.
People found driving without valid insurance can have their vehicle
impounded.
, If they are convicted of driving without valid automobile insurance,
their insurance company may
consider them "high-risk" drivers and charge them higher premiums or
refuse to sell them insurance
altogether.
If they are injured in an accident while driving or occupying an
uninsured vehicle, they may be
prevented from recovering for the loss: They may not be entitled to
receive certain types of accident benefits, and they may not be
allowed to sue the at-fault driver for compensation as a result of
injuries from the accident.
Name and purpose of five standard policy forms -ANSWER-SPF 2
standard driver's automobile policy—provides coverage for drivers
who are driving vehicles they do not own
SPF 4 standard garage automobile policy—provides certain types of
automobile-related businesses (generally referred to as garages, but
could include dealerships, repair shops, parking operations, and so
on) with coverage for owned automobiles, non-owned automobiles,
and customers' automobiles
SPF 6 standard non-owned automobile policy—provides non-owned
automobile insurance where there is responsibility for the use and
operation of non-owned vehicles
SPF 7 excess automobile policy—provides excess insurance for
liability exposures, for use along with an SPF 1, 2, 4, or 6
SPF 8 lessor's contingent automobile policy—provides contingent
insurance for businesses that lease vehicles on a long-term basis
SPF 9 transportation network policy—covers accidents that arise from
the use or operation of the automobile as a transportation network
automobile
Update Latest 2024 Questions and
Correct Answers Rated A+
Dangerous driving is an example of which of the following types of
offences?
A. Federal offence
B. Provincial offence
C. Municipal offence
D. Civil offence -ANSWER-A.) Dangerous driving is considered a
federal offence under the Criminal Code of Canada.
State why automobile insurance was created -ANSWER-Automobile
insurance has evolved along with society's mass adoption of cars for
transportation.
It evolved to cover the following:
Physical damage to vehicles and destruction or disappearance of
vehicles
Costs due to injuries or death arising from automobile accidents
Lawsuits to recover damages from accidents
Which of the following would be a municipal bylaw?
A. Dangerous driving
B. Zoning
C. Rules of the road
D. Trade between provinces -ANSWER-B.) Municipal governments
can make bylaws dealing with local matters, such as zoning, smoking,
animal control, and the issuance of construction permits.
Municipalities also enact crosswalk and parking bylaws and set speed
limits within their borders.
Who is the defendant in a civil matter?
,A. Person or organization that is being sued
B. Lawyer defending a person being charged with a crime
C. Lawyer prosecuting a person being charged with a crime
D. Person or organization that brings a legal action against another -
ANSWER-A.) A defendant in civil matters is the person or organization
that is being sued.
Who stands to incur costs if a vehicle is damaged or destroyed in an
accident?
A. Owner of the vehicle
B. Garage making repairs to the vehicle
C. Tow truck driver who towed the vehicle to the garage
D. Bystander who saw the accident that damaged the vehicle -
ANSWER-A.) The owner of the vehicle stands to incur costs if a
vehicle is damaged or destroyed in an accident.
Who is the plaintiff in a civil matter?
A. Person or organization that is being sued
B. Party who brings a legal action against another
C. Lawyer defending a person being charged with a crime
D. Lawyer prosecuting a person being charged with a crime -
ANSWER-B.) A plaintiff is the party who brings a legal action against
another.
What is the purpose of the standard driver's automobile policy?
A. Provides coverage for drivers who are driving vehicles they do not
own
B. Provides coverage for garages for customers' vehicles
C. Provides coverage for businesses that could be held liable for
damages caused by vehicles that they do not own
D. Provides coverage for vehicle owners if their car is damaged -
ANSWER-A.) The standard driver's automobile policy provides
coverage for drivers who are driving vehicles they do not own
Which of the following statements best describes contingent
insurance?
,A. Begins paying when all other similar insurance on the same subject
is exhausted
B. Applies if there is no other policy providing coverage
C. Is the first policy to respond to the loss
D. Drops down and covers when the total limit of the underlying policy
has been used up paying claims -ANSWER-B.) Contingent insurance
refers to a policy that is contingent on the absence of other insurance
and does not apply if there is another policy providing coverage.
Which cars require motor vehicle liability cards?
A. Only rental cars
B. Only commercial-use vehicles
C. All cars
D. All trucks, but not cars -ANSWER-C.) All cars require motor vehicle
liability cards.
Which type of information is included on a motor vehicle liability card?
A. Name and address of insurer
B. Age of principal driver
C. Insurance premium charged for the policy
D. Telephone number of the named insured -ANSWER-A.) The motor
vehicle liability card shows the following information: name and
address of insured; name and address of insurer; name and address
of agent or broker; description of insured vehicle; policy number; and
effective date and term of the policy.
Outline the penalties that could arise for motorists that drive without
insurance. -ANSWER-Penalties for driving without insurance
There are fines for vehicle owners, lessees, and drivers who do not
carry valid automobile insurance.
People found driving without valid insurance can also have their
driver's licence suspended.
People found driving without valid insurance can have their vehicle
impounded.
, If they are convicted of driving without valid automobile insurance,
their insurance company may
consider them "high-risk" drivers and charge them higher premiums or
refuse to sell them insurance
altogether.
If they are injured in an accident while driving or occupying an
uninsured vehicle, they may be
prevented from recovering for the loss: They may not be entitled to
receive certain types of accident benefits, and they may not be
allowed to sue the at-fault driver for compensation as a result of
injuries from the accident.
Name and purpose of five standard policy forms -ANSWER-SPF 2
standard driver's automobile policy—provides coverage for drivers
who are driving vehicles they do not own
SPF 4 standard garage automobile policy—provides certain types of
automobile-related businesses (generally referred to as garages, but
could include dealerships, repair shops, parking operations, and so
on) with coverage for owned automobiles, non-owned automobiles,
and customers' automobiles
SPF 6 standard non-owned automobile policy—provides non-owned
automobile insurance where there is responsibility for the use and
operation of non-owned vehicles
SPF 7 excess automobile policy—provides excess insurance for
liability exposures, for use along with an SPF 1, 2, 4, or 6
SPF 8 lessor's contingent automobile policy—provides contingent
insurance for businesses that lease vehicles on a long-term basis
SPF 9 transportation network policy—covers accidents that arise from
the use or operation of the automobile as a transportation network
automobile
