Registered Insurance Brokers of Ontario (RIBO) Practice Exam

The insured leaves a tavern, gets in his auto in an intoxicated state, and causes an accident on the way home. Which of the following would not be covered?

1. Collision damage to his automobile

2. Damage to a telephone pole

3. Damage to another automobile

4. Medical and surgical expenses required as a result of the injuries he sustains

The correct answer is: Collision damage to his automobile

Collision damage to his automobile would not be covered because it was the result of the insured's own negligent and reckless behavior. His insurance policy would not cover damage to his own property caused by his own actions. Damage to a telephone pole, damage to another automobile, and medical and surgical expenses required as a result of the injuries he sustains would all be covered by the insurance policy. Damage to a telephone pole and another automobile are considered third-party liability claims, which are covered by the insurance policy. Additionally, medical and surgical expenses required as a result of the insured's injuries would also be covered under the medical payments coverage of the insurance policy.