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RIBO - AUTO Questions and Correct
Answers
Under the defense costs, the insured is covered for Legal fees over
and above their limit of liability arising out of loss or damage to a
person or property as a result of an auto accident. T or F Ans:
True (OAP1 PG19-20 3.3.1 and 3.3.2)
Who is defined as the insured person on your OAP1 under
Accident Benefits? Ans: Your sister in law while driving the car
you lent her, if she doesn't have her own policy. (OAP1 PG 25 4.1)
If a person is unable to work due to an injury suffered in an auto
accident, their OAP 1 could potentially pay: Ans: Up to 70% of
gross income up to $400 weekly.
What is the definition of territory that is specified in OAP 1? Ans:
Canada and the USA or on a vessel travelling between ports of
these countries.
The recreational vehicle endorsement (OPCF32) provides coverage
for which vehicles? Ans: Snowmobile, trail bike, mini cycle, and
dune buggy
The daughter of your client calls to report an accident she has had
with her father's car. The vehicle is not drivable and she is in the
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hospital with injuries. On completing the claim report you find out
that her father died a month earlier and no one advise the broker
or insurer. You advise her the insurer will: Ans: Pay the claim in
full. Death and Bankruptcy (OAP1 PG 53 Stat Conditions Material
Change in Risk)
The Facility Association is: Ans: An insurance pool subscribed to
by all auto insurance companies, in order to share the writing of
risks that are not ordinarily written in the normal insurance
market.
The threshold in Ontario refers to: Ans: Death or permanent
serious disfigurement or permanent serious impairment of an
important physical, mental or psychological function.
The insured has an OAP 1 with a $300 deductible on
Comprehensive coverage. A cigarette sets the car seat on fire
causing $500 in damage. How much will the insurer pay? Ans: 500
bones (OAP1 PG 48 7.3 and PG 44 7.1.2 , we insure stupidity)
The driver loses control on a slippery road and collides with a
telephone pole, causing damages to the insured vehicle and no
damage to the telephone pole. This would be covered under: Ans:
Loss or damage to insured automobile collision.
What is the minimum limit for liability coverage under an auto
policy for the province of Ontario? Ans: $200,000.00
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In the case of an accident involving the insured and an uninsured
but identified driver who is found at fault, the insured can: Ans:
Make a claim for damages to the insured vehicle from their own
insurer.
Property damage, under section 3 of the auto policy means: Ans:
Damage to property of others but not the insured's own property.
(You drive your car into someone's house the house id the PD not
your car) Always property of other's never the insured's own
property
A rented auto is considered an "other" non-owned vehicle for the
purposes of coverage by an insured's auto policy. Is this true with
respect to an auto rented by an insured while on vacation in the
USA? Ans: True
Third parties are not a party to a policy, true or false? Ans: True
The Highway Victims Indemnity Funds: Ans: Will not pay if the
claimant is responsible for causing the accident.:(For
unidentified/uninsured accidents where victim d/n have own/a
policy to claim to)
Liability must be established with respect to who is at fault in an
accident in regards to Direct Compensation Property Damage
(DCPD) True or False Ans: True
© 2025 All rights reserved
RIBO - AUTO Questions and Correct
Answers
Under the defense costs, the insured is covered for Legal fees over
and above their limit of liability arising out of loss or damage to a
person or property as a result of an auto accident. T or F Ans:
True (OAP1 PG19-20 3.3.1 and 3.3.2)
Who is defined as the insured person on your OAP1 under
Accident Benefits? Ans: Your sister in law while driving the car
you lent her, if she doesn't have her own policy. (OAP1 PG 25 4.1)
If a person is unable to work due to an injury suffered in an auto
accident, their OAP 1 could potentially pay: Ans: Up to 70% of
gross income up to $400 weekly.
What is the definition of territory that is specified in OAP 1? Ans:
Canada and the USA or on a vessel travelling between ports of
these countries.
The recreational vehicle endorsement (OPCF32) provides coverage
for which vehicles? Ans: Snowmobile, trail bike, mini cycle, and
dune buggy
The daughter of your client calls to report an accident she has had
with her father's car. The vehicle is not drivable and she is in the
© 2025 All rights reserved
, 2 | Page
hospital with injuries. On completing the claim report you find out
that her father died a month earlier and no one advise the broker
or insurer. You advise her the insurer will: Ans: Pay the claim in
full. Death and Bankruptcy (OAP1 PG 53 Stat Conditions Material
Change in Risk)
The Facility Association is: Ans: An insurance pool subscribed to
by all auto insurance companies, in order to share the writing of
risks that are not ordinarily written in the normal insurance
market.
The threshold in Ontario refers to: Ans: Death or permanent
serious disfigurement or permanent serious impairment of an
important physical, mental or psychological function.
The insured has an OAP 1 with a $300 deductible on
Comprehensive coverage. A cigarette sets the car seat on fire
causing $500 in damage. How much will the insurer pay? Ans: 500
bones (OAP1 PG 48 7.3 and PG 44 7.1.2 , we insure stupidity)
The driver loses control on a slippery road and collides with a
telephone pole, causing damages to the insured vehicle and no
damage to the telephone pole. This would be covered under: Ans:
Loss or damage to insured automobile collision.
What is the minimum limit for liability coverage under an auto
policy for the province of Ontario? Ans: $200,000.00
© 2025 All rights reserved
, 3 | Page
In the case of an accident involving the insured and an uninsured
but identified driver who is found at fault, the insured can: Ans:
Make a claim for damages to the insured vehicle from their own
insurer.
Property damage, under section 3 of the auto policy means: Ans:
Damage to property of others but not the insured's own property.
(You drive your car into someone's house the house id the PD not
your car) Always property of other's never the insured's own
property
A rented auto is considered an "other" non-owned vehicle for the
purposes of coverage by an insured's auto policy. Is this true with
respect to an auto rented by an insured while on vacation in the
USA? Ans: True
Third parties are not a party to a policy, true or false? Ans: True
The Highway Victims Indemnity Funds: Ans: Will not pay if the
claimant is responsible for causing the accident.:(For
unidentified/uninsured accidents where victim d/n have own/a
policy to claim to)
Liability must be established with respect to who is at fault in an
accident in regards to Direct Compensation Property Damage
(DCPD) True or False Ans: True
© 2025 All rights reserved
