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AIC 302 SIMULATED EXAM QUESTIONS WITH CORRECT ANSWERS
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AIC 302 SIMULATED EXAM QUESTIONS WITH CORRECT ANSWERS
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AIC302
SIMULATED
EXAM
Conor
is
handling
an
auto
claim
involving
the
death
of
a
minor
child
in
a
state
that
recognizes
the
intrinsic
value
of
children.
Conor's
proposed
settlement
amount
will
include
-
ANSWER-A
calculated
value
of
the
child's
future
services
to
the
parents.
A
calculated
value
of
the
child's
future
services
to
the
parents.
Intrinsic
value
of
children
is
the
assumption
that
parents
invest
in
children
knowing
that
they
will
provide
for
them
when
they
are
older
Cristobal
has
several
methods
available
to
him
as
he
evaluates
the
settlement
range
for
his
claim:
individual
case
method,
roundtable
technique,
formula
method,
and
expert
system.
Which
method
should
Cristobal
use
if
he
is
dealing
with
a
minor
soft
tissue
claim
and
wants
a
simple
approach
to
achieve
an
early,
mutually
agreeable
settlement?
-
ANSWER-Formula
method
involves
a
mathematical
formula
set
by
actuaries
to
set
reserves.
Anna
injured
her
back
in
a
not-at-fault
auto
accident
and
has
a
bodily
injury
claim
with
the
other
driver's
insurance
company.
Later,
she
fell
and
her
back
injury
was
aggravated.
Her
claims
representative
for
the
first
accident
told
her
that
the
aggravation
of
her
back
injury
-
ANSWER-Was
covered
because
it
was
an
unavoidable
consequence
of
the
back
injury.
An
intervening
problem
is
covered
if
it
is
an
unavoidable
consequence
of
the
first
injury.
Some
personal
auto
policies
provide
that
someone
could
reasonably
expect
to
be
allowed
to
use
an
insured's
vehicle
even
if
they
did
not
ask
specifically,
such
as
a
relative
visiting
from
out
of
town.
This
is
called
-
ANSWER-Implied
permission.
Some
policies
provide
for
implied
permission
for
the
use
of
an
insured's
auto.
In
determining
coverage
for
emotional
injury,
a
claims
rep
must
understand
applicable
policy
language. Which
one
of
the
following
is
correct?
-
ANSWER-The
term
"harm"
is
potentially
broader
than
the
term
"injury"
in
determining
coverage
for
emotional
injury.
Mehmet
was
seriously
injured
in
an
automobile
collision
and
died
after
a
stay
in
the
hospital.
His
family
is
bringing
a
survival
action
claim
for
medical
expenses,
pain
and
suffering,
loss
of
earnings,
and
automobile
repairs.
Which
one
of
the
following
claims
will
be
allowed
only
if
the
family
can
demonstrate
that
Mehmet
was
conscious
after
the
accident
but
before
dying?
-
ANSWER-Pain
and
suffering
can
only
be
claimed
if
the
decedent
was
conscious
of
the
pain
and
suffering
before
dying.
Claims
reps
can
isolate
specific
coverage
issues
that
should
be
investigated
to
determine
whether
exclusions
apply
by
using
a
series
of
yes-or-no
questions
in
the
form
of
a
-
ANSWER-Decision
tree.
Claims
reps
can
isolate
specific
coverage
issues
that
should
be
investigated
to
determine
whether
exclusions
apply
by
using
a
series
of
yes-or-no
questions
in
the
form
of
a
decision
tree.
Caitlin
was
involved
in
a
multi-car
accident
on
a
highway.
The
claims
representative
for
her
insurance
company
is
making
a
case
that
distracted
driving
by
Mike,
one
of
the
other
drivers
involved
in
the
accident,
was
a
contributing
cause
of
the
accident.
The
records
indicate
that
Mike
was
using
a
hands-free
device
at
the
time
of
the
accident.
Which
one
of
the
following
statements
is
true
regarding
the
use
of
a
hands-free
device
while
driving?
-
ANSWER-The
use
of
a
hands-free
device
while
driving
can
lead
to
a
cognitive
distraction.
Sean
is
an
auto
liability
claims
representative.
He
is
working
on
a
claim
involving
an
insured
driver
who
rear-ended
another
vehicle
while
driving
in
heavy
traffic.
No
one
was
injured,
but
there
was
$3,400
in
damage
to
the
other
vehicle.
Which
one
of
the
following
statements
is
correct
regarding
this
accident?
-
ANSWER-All
four
elements
of
negligence
exist
in
this
accident.
There
was
a
duty
owed
to
others
to
operate
the
vehicle
safely,
that
duty
was
breached,
and
was
the
proximate
cause
of
the
resulting
$3,400
in
damages.
There
is
no
clear
evidence
of
negligence
per
se
provided.
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