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CII Insurance law (IL) Sample Questions:

1. In tort law, when, if at all. is a minor legally responsible for his acts?

A) He is only responsible if he is over 14 years of age.
B) He is only responsible if a criminal ad has also been committed.
C) He is usually fully responsible.
D) He is never responsible.

2. In terms of private motor insurance, a renewal offer can be accepted

A) only by written communication.
B) only by the proposer personally.
C) by any third party.
D) by the proposer acting in reliance of the offer.

3. Who is entitled to the surplus if a subrogation recovery from a negligent third party is greater than the amount the insurer has paid to the insured?

A) The insured only.
B) The insurer only.
C) It is shared between the insurer and the insured.
D) The State

4. A breach of warranty under the general law of contract legally entitles an injured party to

A) claim damages.
B) obtain specific performance.
C) avoid the contract ab initio.
D) avoid the contract from the date of the breach.

5. Which of the following best defines an insurance contract?

A) A contract for the protection of physical property only.
B) A contract in which one party agrees to indemnify another against specified risks in exchange for premiums.
C) A contract where the insurer assumes no liability.
D) A contract that only applies to personal property insurance.

Solutions: