Registered Insurance Brokers of Ontario (RIBO) Exam 2026 – 400 Free Practice Questions to Pass the Exam

If there are no witnesses to the accident and the insured was not present when the accident happened, they would not be able to make a claim under any section of their policy. This is because there is no evidence or information about the cause of the accident or the responsible party. Without this crucial information, the insurance company cannot determine liability and therefore cannot cover the damages. Options A, B, and C all suggest potential sections of the policy that could cover the damage, but without any proof or witnesses, the insured would not be able to utilize these options. Option D is the most accurate as it acknowledges the lack of coverage in this specific situation.