Jasmine Phones Her Agent to Obtain Auto Insurance

question 35

Multiple Choice

Jasmine phones her agent to obtain auto insurance. The agent binds coverage over the phone,and tells her she will have a $250 collision deductible. When the insurer issues the policy,the underwriter imposes a $1,000 deductible because of Jasmine's poor driving record,then mails her the policy. She does not read it or notice this change until she has an accident six months later. She then demands that the insurer only require a $250 deductible rather than a $1,000 deductible,since she did not approve this change.Which legal principle of insurance contracts would be the insurers most convincing reason for refusing to honor the $250 deductible?

• A)contract of adhesion
• B)parol evidence rule
• C)indemnity
• D)utmost good faith

Distinguish between sources of law in Canada, including common law, equity, and statutory law.

Comprehend the role and impact of human rights legislation and tribunals in Canada.

Grasp the significance of legal precedents and the principle of stare decisis in the legal system.

Differentiate between the legal protections against discrimination and harassment in Canada.

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Definitions:

Nutrition Records

Documentation of food and beverage intake by an individual or group, used for analyzing nutritional status or research purposes.

Confidence Bound

The upper or lower limit of a confidence interval, representing the range within which a population parameter is estimated to lie with a certain level of confidence.

Sailboat Owners

Individuals who own and possibly operate sailboats, typically as a hobby or for sport.

Significance Level

The probability of rejecting the null hypothesis when it is actually true, often denoted by alpha (\(\alpha\)).