OTL AUTO CHAPTER 5 EXAM QUESTIONS ANSWERED CORRECTLY LATEST 2025
Is there a maximum limit for medical, rehabilitation and attendant care benefits? - Answers Yes, there is
an aggregate limit which is based on the type of injury (catastrophic or non-catastrophic)
Cathy, does not have a driver's licence and goes on a car ride with Sue, knowing that Sue did not have
her parent's permission to use the car. If Cathy is injured in an accident, would she be covered by Sue's
parents' policy for accident benefits? - Answers Yes, at a minimum some accident benefits would be
available.
What is SABS an acronym for? - Answers Statutory Accident Benefits Schedule
Mohamad is injured while driving an automobile in the course of his employment. From which type of
insurance would he collect benefits? - Answers Mohamad can select either workers compensation or
the accident benefits of his policy if his tort claim meets the verbal threshold.
Which section of the accident benefits coverage would reimburse an insured for the damage to their
dentures and prescription glasses due to an accident? - Answers Other expenses
Georgia is excluded from her parent's policy as a driver. Georgia decides to take the vehicle for a drive
and is involved in an accident. Would Georgia be entitled to accident benefits? - Answers Maybe.
Insurers are not obligated to pay some accident benefits when the insured is an excluded driver.
What happens to funds that are not paid to an insured due to the criminal offence exclusion of the
automobile policy when the insured is later found not guilty of the offence? - Answers The funds must
be paid to the person
According to Ontario's statutory accident benefits schedule for accidents occurring outside of Ontario,
who is an insured person? - Answers A person who is an occupant of the insured automobile and who is
a resident of Ontario or was a resident sometime during the 60 days prior to the accident.
Subrogation is available to insurers that pay out accident benefit claims from other provinces, except
when what is in place? - Answers Reciprocal Agreement
Costs for vocational and academic training would be covered by which accident benefits coverage? -
Answers Rehabilitation benefit
Which accident benefits are insurers NOT required to pay to persons whose actions exclude them from
coverage? - Answers Income replacement or non-earner; educational expenses; expenses of visitors;
housekeeping; and home maintenance
An insured person who was not employed at the time of an accident may still be entitled to income
replacement benefits if which condition is met? - Answers S/he was receiving employment insurance
benefits at the time of the accident
Is there a maximum limit for medical, rehabilitation and attendant care benefits? - Answers Yes, there is
an aggregate limit which is based on the type of injury (catastrophic or non-catastrophic)
Cathy, does not have a driver's licence and goes on a car ride with Sue, knowing that Sue did not have
her parent's permission to use the car. If Cathy is injured in an accident, would she be covered by Sue's
parents' policy for accident benefits? - Answers Yes, at a minimum some accident benefits would be
available.
What is SABS an acronym for? - Answers Statutory Accident Benefits Schedule
Mohamad is injured while driving an automobile in the course of his employment. From which type of
insurance would he collect benefits? - Answers Mohamad can select either workers compensation or
the accident benefits of his policy if his tort claim meets the verbal threshold.
Which section of the accident benefits coverage would reimburse an insured for the damage to their
dentures and prescription glasses due to an accident? - Answers Other expenses
Georgia is excluded from her parent's policy as a driver. Georgia decides to take the vehicle for a drive
and is involved in an accident. Would Georgia be entitled to accident benefits? - Answers Maybe.
Insurers are not obligated to pay some accident benefits when the insured is an excluded driver.
What happens to funds that are not paid to an insured due to the criminal offence exclusion of the
automobile policy when the insured is later found not guilty of the offence? - Answers The funds must
be paid to the person
According to Ontario's statutory accident benefits schedule for accidents occurring outside of Ontario,
who is an insured person? - Answers A person who is an occupant of the insured automobile and who is
a resident of Ontario or was a resident sometime during the 60 days prior to the accident.
Subrogation is available to insurers that pay out accident benefit claims from other provinces, except
when what is in place? - Answers Reciprocal Agreement
Costs for vocational and academic training would be covered by which accident benefits coverage? -
Answers Rehabilitation benefit
Which accident benefits are insurers NOT required to pay to persons whose actions exclude them from
coverage? - Answers Income replacement or non-earner; educational expenses; expenses of visitors;
housekeeping; and home maintenance
An insured person who was not employed at the time of an accident may still be entitled to income
replacement benefits if which condition is met? - Answers S/he was receiving employment insurance
benefits at the time of the accident
