Registered Insurance Brokers of Ontario (RIBO) Exam 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 475

If an insured is struck by an automobile while riding a bicycle and receives minor injuries, medical payments will be paid by:

The insured's automobile policy under Accident Benefits.

In this scenario, the insured was struck by an automobile while riding a bicycle. The insured is not at fault and only received minor injuries. The correct answer is A because medical payments will be covered by the insured's own automobile policy under Accident Benefits. Option B, the provincial medical plan, would not be responsible for these medical payments as they would typically only cover medical expenses for incidents on public roads or highways. Option C, the motorist's automobile policy under Third Party Liability, would only come into play if the insured decides to pursue legal action against the responsible motorist. Option D, no one being responsible, is also incorrect as the insured's own automobile policy would still provide coverage for their medical expenses under Accident Benefits.

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The provincial medical plan.

The motorist's automobile policy under Third Party Liability.

No one, if the insured was at fault.

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