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I dont know what to put here..., Cheat Sheet of Mathematics

University of TorontoMathematics

I dont know what to put here...

Typology: Cheat Sheet

2024/2025

Uploaded on 05/26/2025

abiraami-jana
abiraami-jana 🇨🇦

2 documents

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1. What activity voids your insurance coverage?
A. Driving to work
B. Driving in a legal speed test
C. Driving while authorized
D. Giving a friend a ride home
2. What is the purpose of the Ontario Automobile Policy (OAP 1)?
A. To explain traffic rules
B. To describe insurance coverage and obligations
C. To act as a driver’s manual
D. To issue vehicle licenses
3. Which event is NOT covered under Loss or Damage unless optional coverage is
added?
A. Fire
B. Collision
C. Theft
D. Wear and tear
4. What activity voids your insurance coverage?
A. Driving to work
B. Driving in a legal speed test
C. Driving while authorized
D. Giving a friend a ride home
5. Under what condition is Direct Compensation coverage applicable?
A. You hit a pole
B. A tree falls on your car
C. Another insured driver causes the accident in Ontario
D. You forgot to pay your premium
6. What does liability coverage protect you from?
A. Paying taxes
B. Medical costs only
C. Claims for injury, death, or property damage you are legally responsible for
D. Loss of use of your automobile
7. What is short rate calculation?
A. Premium refund with a penalty for cancelling early
B. Full refund
C. Daily refund based on kilometers
D. Refund given only after 1 year
8. Who is eligible for Accident Benefits?
A. Only the named insured
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1. What activity voids your insurance coverage? A. Driving to work B. Driving in a legal speed test C. Driving while authorized D. Giving a friend a ride home 2. What is the purpose of the Ontario Automobile Policy (OAP 1)? A. To explain traffic rules B. To describe insurance coverage and obligations C. To act as a driver’s manual D. To issue vehicle licenses 3. Which event is NOT covered under Loss or Damage unless optional coverage is added? A. Fire B. Collision C. Theft D. Wear and tear 4. What activity voids your insurance coverage? A. Driving to work B. Driving in a legal speed test C. Driving while authorized D. Giving a friend a ride home 5. Under what condition is Direct Compensation coverage applicable? A. You hit a pole B. A tree falls on your car C. Another insured driver causes the accident in Ontario D. You forgot to pay your premium 6. What does liability coverage protect you from? A. Paying taxes B. Medical costs only C. Claims for injury, death, or property damage you are legally responsible for D. Loss of use of your automobile 7. What is short rate calculation? A. Premium refund with a penalty for cancelling early B. Full refund C. Daily refund based on kilometers D. Refund given only after 1 year 8. Who is eligible for Accident Benefits? A. Only the named insured

B. Only drivers with full licenses C. Anyone injured in an auto accident not covered elsewhere D. Only vehicle owners

9. What is an uninsured automobile? A. One with expired license plates B. One without valid liability insurance C. One with tinted windows D. One that’s over 10 years old 10. Which automobile is NOT covered under OAP 1? A. Described automobile B. Newly acquired automobile C. Temporary substitute automobile D. Unregistered vehicle used regularly by your neighbor 11. Which condition must always be met for a valid claim? A. Have a lawyer B. Report changes in vehicle use or ownership C. Call your mechanic D. Have an emergency kit in the car 12. Which of the following is part of your insurance contract under the OAP 1? A. Driver’s license B. Vehicle ownership C. Certificate of Automobile Insurance D. Proof of parking permit 13. What does liability coverage protect you from? A. Paying taxes B. Medical costs only C. Claims for injury, death, or property damage you are legally responsible for D. Loss of use of your automobile 14. What is short rate calculation? A. Premium refund with a penalty for cancelling early B. Full refund C. Daily refund based on kilometers D. Refund given only after 1 year 15. Which event is NOT covered under Loss or Damage unless optional coverage is added? A. Fire B. Collision

23. What is short rate calculation? A. Premium refund with a penalty for cancelling early B. Full refund C. Daily refund based on kilometers D. Refund given only after 1 year 24. Under what condition is Direct Compensation coverage applicable? A. You hit a pole B. A tree falls on your car C. Another insured driver causes the accident in Ontario D. You forgot to pay your premium 25. Which condition must always be met for a valid claim? A. Have a lawyer B. Report changes in vehicle use or ownership C. Call your mechanic D. Have an emergency kit in the car 26. Who is eligible for Accident Benefits? A. Only the named insured B. Only drivers with full licenses C. Anyone injured in an auto accident not covered elsewhere D. Only vehicle owners 27. Which of the following is part of your insurance contract under the OAP 1? A. Driver’s license B. Vehicle ownership C. Certificate of Automobile Insurance D. Proof of parking permit 28. What is an uninsured automobile? A. One with expired license plates B. One without valid liability insurance C. One with tinted windows D. One that’s over 10 years old 29. Which event is NOT covered under Loss or Damage unless optional coverage is added? A. Fire B. Collision C. Theft D. Wear and tear 30. Which automobile is NOT covered under OAP 1? A. Described automobile

B. Newly acquired automobile C. Temporary substitute automobile D. Unregistered vehicle used regularly by your neighbor

31. What does liability coverage protect you from? A. Parking violations B. Engine repairs C. Legal responsibility for injury or damage D. Delays in traffic 32. What is the main requirement for a temporary substitute automobile to be covered? A. It must be the same color B. It must be out of service due to breakdown or repair C. It must be rented for more than 30 days D. It must be used for business 33. What kind of trailer is NOT covered under Direct Compensation - Property Damage? A. One used for personal trips B. One with GVWR under 4,500 kg C. One used to carry passengers D. One used for vacations 34. Who is not covered under OAP 1 when operating a vehicle without permission? A. Vehicle owner B. Named insured C. Anyone driving with valid consent D. A person operating the car without the owner’s consent 35. What happens if you fail to report a major change in vehicle use? A. Nothing happens B. Your premiums are reduced C. Your claim may be denied D. Your license is suspended 36. What is considered an indirect loss? A. Theft of the car B. Damage in a crash C. Lost wages while car is in repair D. Broken windshield 37. What is the GVWR limit for extended coverage to another vehicle? A. 2,500 kg B. 3,000 kg C. 4,500 kg D. 6,000 kg

C. A penalty for early payment D. Your monthly premium

46. Which of the following is considered a Statutory Condition? A. Keep your car clean B. Provide proof of claim C. Use snow tires D. Only drive in Ontario 47. When is a leased automobile NOT covered? A. If leased for more than 30 days B. If leased without notifying insurer C. If leased to another person D. If used in your employer’s business 48. What is included in accident benefits? A. Housekeeping benefits B. Traffic ticket waivers C. GPS tracking D. License reinstatement 49. What must be included when submitting a claim for property damage? A. A police badge number B. VIN number C. Detailed written report within 7 days D. Weather report 50. How are legal disagreements resolved under OAP 1? A. By election results B. In traffic court C. By agreement, arbitration, or court D. By the police

✅ Answer Key

1. B

2. B

3. D

4. B

5. C

6. C

7. A

8. C

9. B

10. D

11. B

12. C

13. C

14. A

15. D

16. B

17. B

18. C

19. C

20. B

21. B

22. D

23. A

24. C

25. B

26. C

27. C

28. B

29. D

30. D

31. C

32. B

33. C

34. D

35. C

36. C

37. C

38. B

39. C

40. C

41. A

42. C

43. C

44. C

45. B