Help!
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| What is the term for the person who seeks insurance from an insurer? | Applicant
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| Insurance is the transfer of what? | Risk
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| Insurance is a contract by which one seeks to protect another from what? | Loss
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| what term describes a fee a person pays to receive coverage from an insurance company? | Premium
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| Insurance policies ensure that after a loss proceeds will go to_______. | Beneficiary
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| Insurable interest in the property covered in a policy must be proven when? | At the time of the loss.
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| An insured carries a property policy on her house in the amount of 250k. A bank is shown as a mortgagor on the property. Last month the insured made her final mortgage payment but did not remover the mortgagor from the policy. How much will the bank get? | Nothing
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| The insured has violated the contract with out the knowledge of the mortgage holder. After a loss who will or will not get paid? | The insurer cannot collect but the mortgager will still get paid.
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| The risk of loss may be classified as what? | Pure risk and speculatative risk
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| (GT) An insured has 5k medical coverage under a personal auto policy at the time of a covered accident. The insured anad 3 passengers are injured. The insured's medical expenses are 8k; the first passenger's total 4k; the second passenger's total 6500k; a |
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