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最新的 Insurance Law (M05) E05 免費考試真題:

1. How can an agency relationship be best described?

A) A person has ratified another party's action.
B) A person, who has paid another party under a contract, has the right to stand in the place of that other party and avail himself of the rights and remedies of that party.
C) A person has the authority to act on behalf of another party.
D) A person has transferred his obligations under a contract to another party.

2. When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

A) It does not apply as the duty is to take reasonable care not to make a misrepresentation.
B) Where there is a variation in the insured risk.
C) On submission of a claim.
D) From the date of a breach of warranty.

3. When a defendant deliberately destroys possessions belonging to someone else, he has committed the tort(s) of

A) trespass to goods and conversion only.
B) trespass to goods only.
C) trespass to goods, conversion and nuisance only,
D) trespass to goods, conversion, nuisance and battery.

4. The proximate cause of a loss is best described as the

A) first peril to cause the loss.
B) final peril to cause the loss.
C) most dominant cause of the loss.
D) most remote cause of the loss.

5. As a result of a breach of good faith under a commercial insurance policy, the insurer avoided the policy as a whole, but was NOT permitted to retain the premium because

A) the premium was paid by monthly installments.
B) the misrepresentation was fraudulent.
C) no claim had been submitted or paid.
D) the misrepresentation was innocent.

問題與答案：