Exam (elaborations)
CIP C14 auto
- Institution
- BCH 462 Urea Cycle, Fatty Acid Synthesis
Exam of 80 pages for the course BCH 462 Urea Cycle, Fatty Acid Synthesis at BCH 462 Urea Cycle, Fatty Acid Synthesis (CIP C14 auto)
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CIP C14 autoDangerous driving is an example of which of the following types of offences?
A. Federal offence
B. Provincial offence
C. Municipal offence
D. Civil offence - CORRECT ANSWER-A.) Dangerous driving is considered a
federal offence under the Criminal Code of Canada.
State why automobile insurance was created - CORRECT 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 - CORRECT 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 - CORRECT
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 - CORRECT
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 - CORRECT
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 - CORRECT
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 - CORRECT 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 - CORRECT 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 - CORRECT 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. -
CORRECT 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 - CORRECT 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
Information on the motor vehicle liability card (any five of the following) -
CORRECT ANSWER-Name and address of insurer
Agency/brokerage of insured•
Description of insured vehicle
Policy number
Effective date and expiry date
Warning of penalties for the card's misuse
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