100% パスレートC11受験方法 & 資格試験のリーダー & よくできたIIC Principles and Practice of InsuranceJapancertは、すべてのユーザーから賞賛されている効果的なC11研究ブレーンダンプを候補者に提供するための信頼できるプラットフォームです。 より良い仕事を見つけるために、多くの候補者がC11試験の準備に一生懸命勉強しています。 ほとんどの人がC11試験に合格するのは簡単なことではありません。したがって、当社のウェブサイトは効率的で便利な学習プラットフォームを提供できるため、最短時間でIICのC11証明書を取得できます。 Principles and Practice of Insurance試験の質問を20〜30時間学習するだけで、C11試験に自信を持って合格することができます。 IIC Principles and Practice of Insurance 認定 C11 試験問題 (Q101-Q106):質問 # 101
With respect to an insurance contract, what is the best example ofconsideration?
A. Calvin wants to start a tutoring business and may charge $40 per hour
B. Yasmin offers to sell her dog for $500 but Paula refuses
C. Martin is returning a shirt he purchased online for $35 because he found it cheaper elsewhere
D. Jennifer agrees to sell a $20,000 painting for $10,000 to her friend Shania
正解：D
解説：
In contract law,considerationrefers to the exchange of something of value between parties. It is a necessary element for forming a legally binding insurance contract. In insurance, the insurer promises to indemnify the insured in exchange for thepremium-this exchange constitutes consideration.
OptionAis the only scenario demonstrating a clearbargained-for exchange. Jennifer gives up a painting of value, and Shania provides monetary payment. Even though the price is reduced, consideration still exists because each party is giving something of legal value.
Option B shows no exchange-only contemplation of future pricing.
Option C shows no contract formed, because the offer was not accepted.
Option D is a return/refund scenario, not an exchange forming a new contract.
Thus,Ais the best example of consideration.
質問 # 102
Why does the need for liability insurance arise?
A. Meet societal obligations and norms
B. Fulfill legal obligations to others
C. Uphold ethical feelings of responsibility
D. Reduce personal risk to oneself
正解：B
解説：
Liability insurance arises because individuals and businesses have legal obligations not to cause bodily injury or property damage to others. When someone is negligent, the law allows the injured party to seek compensation. These legal obligations can be substantial and financially devastating. Liability insurance provides protection by transferring the financial burden of compensating others to an insurer. It ensures that the insured can meet their legal responsibilities and that injured third parties receive compensation.
Option A is incorrect because liability insurance is not for protecting oneself from personal risk-it protects against obligations to others. Option C refers to social norms, which may influence behavior but do not impose enforceable financial duties. Option D refers to ethics, but ethical feelings alone do not create legal liability.
The key reason liability insurance exists is the legal requirement to compensate others when negligent, making B the correct answer.
質問 # 103
How are staff adjusters and independent adjusters similar?
A. Neither has any limitation on their authority to settle claims
B. Both are licensed only in Quebec and New Brunswick
C. Both work on behalf of, and are paid by, the insurer
D. Neither is allowed to perform an investigation
正解：C
解説：
This question is identical to Question 25, so the correct answer and reasoning are the same. Whether an adjuster is a staff employee or an independent contractor, they are hiredto represent the insurerin the claims process. They are both compensated by the insurer-staff adjusters through salary and benefits, independent adjusters through fees or billing arrangements. Both must meet licensing requirements established by provincial regulatory bodies, conduct investigations, and report their findings to the insurer. They are also both subject to authority limits on claim settlement.
Thus, the only option that correctly reflects their similarity isB: both serve and are paid by insurers.
質問 # 104
What are many of the statutory conditions designed to accomplish?
A. Outline the steps to take to cancel the policy
B. Provide clarity on the intent of the policy
C. State how PIPEDA applies to the insured and insurer
D. Shift the onus of proof from the insured to the insurer
正解：B
解説：
Statutory conditions exist in property insurance legislation across Canadian provinces to ensure that insurers and insureds operate withclarity, transparency, and fairness. These conditions outline important duties such as:
Requirements for notice of loss
Duties after a loss
Conditions for voiding coverage
Fraud provisions
Replacement and salvage rules
Their main purpose is toclarify the intent of the policy and give certainty to the terms and obligationsof both parties. Because statutory conditions are mandated by law, they ensure uniform standards across all insurers and prevent inconsistent or unclear policy interpretations.
Option B is only a small subset of what statutory conditions address.
Option C is incorrect-privacy legislation like PIPEDA is separate from insurance statutory conditions.
Option D is incorrect; statutory conditions do not alter legal burden-of-proof standards.
Thus, the best answer isA.
質問 # 105
Dominika's house sustains a fire resulting in a $500,000 total loss to the house and contents. Some pieces of furniture are salvageable and valued at $4,000 by the insurer. Dominika chooses to keep these items for her next home. Dominika's policy has a guaranteed replacement cost clause with a limit of $500,000 and a deductible of $1,000. What settlement amount will Dominika recover from the loss?
A. $495,000
B. $500,000
C. $499,000
D. $496,000
正解：A
解説：
With a guaranteed replacement cost policy, the insurer agrees to pay the full cost of replacing the damaged or destroyed property (subject to conditions), even if that amount approaches or, in some forms, exceeds the stated limit. Here, the total replacement cost of the loss is $500,000.
However, some furniture is salvageable and valued at $4,000. Since Dominika elects to keep this salvage, she is effectively retaining part of the value of the damaged property. To maintain the principle of indemnity and avoid overpayment, the insurer deducts the salvage value from the total amount they would otherwise pay.
Step-by-step:
Replacement cost of loss: $500,000
Less salvage value retained by insured: $4,000
Subtotal: $496,000
Less deductible: $1,000
Net settlement: $495,000
Therefore, Dominika will recover $495,000, making Option A correct.