保險學期末a卷-資料下載頁
2025-03-24 07:11本頁面
【正文】 。provideslifetimeprotectionunderacontractthatseparatestheprotectionandsavingponents.Thecontractisaninterestsensitiveproductthatunbundlestheprotection,saving,andexpenseponents.resipsaloquitur:Literally,thethingspeaksforitself.Underthisdoctrine,theveryfactthattheeventoccurredestablishesapresumptionofnegligenceonbehalfofthedefendant.二. 判斷題（2分*10題，共20分）1F、2F、3T、4F、5F、6T、7F、8T、9T、10F三. 單選題（2分*10題，共20分）1A、2A、3A、4C、5C、6A、7A、8C、9A、10A四．案例分析題（15分*2題，共30分）1.a. Donnaiscoveredunderherpolicysincesheisdrivinganonownedcarwiththepermissionoftheowner.SheisalsocoveredunderMike’spolicy.However,Mike’spolicyisprimary,andDonna’spolicyisexcess.Accordingly,Donna’spolicydoesnotpayuntilMike’spolicylimitsareexhausted.Mike’spolicywillpay$100,000.Donna’spolicypaysnothing.b. Mike’spolicypays$250,000.Donna’spolicypays$50,000.c. $100,0002. a.Themajorlossexposurestothetennisshopincludethefollowing:?Losstothetennisshopfromafire,lightning,tornado,orotherperil?Losstobusinesspersonalproperty,suchasofficeequipmentandbusinessputer?Losstotheinventoryoftennisequipmentonhand?Lossofbusinessineandextraexpensesifthebusinessisforcedtoshutdownbecauseofaloss?Employeedishonestylosses?Commercialliabilitylossexposuresb.Yes.Apeakseasonprovisionprovidesforatemporaryincreaseof25percentoftheamountofinsurancewheninventoryvaluesareattheirpeak.c.Thelossexposurescanbecoveredbyaddingcoverageforemployeedishonestytothepolicy.d.ThelossofbusinessineiscoveredasanadditionalcoverageundertheBOPpolicy.e.Thelossiscovered.Exteriorbuildingglassiscoveredunderbusinesspersonalpropertyifthenamedinsuredisatenantandnolimitofinsuranceisshowninthedeclarations.
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