Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Which benefit is explicitly not covered under the OAP 1 for Accident Benefits?

1. Medical expenses for the insured driver

2. Income replacement for the injured party

3. Uninsured Motorists Benefits

4. Rehabilitation costs for the injured parties

The correct answer is: Uninsured Motorists Benefits

The choice that identifies a benefit explicitly not covered under the Ontario Accident Policy (OAP 1) for Accident Benefits is indeed correct. Uninsured Motorist Benefits pertain specifically to situations in which a driver is injured by an uninsured motorist, providing coverage for certain damages that cannot be compensated due to the other party's lack of insurance. However, the OAP 1 primarily focuses on accident benefits that are available regardless of fault, such as those for medical expenses, income replacement, and rehabilitation costs for injured parties involved in a vehicular accident. In contrast, the other options represent benefits that are typically provided under the OAP 1. Medical expenses covered by the policy ensure that the insured receives necessary treatment following an accident. Income replacement assists those who are unable to work due to injuries sustained in an accident, offering financial support during recovery. Rehabilitation costs are also covered to help the injured parties regain their health and welfare after an accident. Therefore, the correct response to the question highlights a specific type of coverage that falls outside the typical benefits offered by the OAP 1.