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Ontario pi questions new latest version
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A PI receives an electronic copy of a credit report (with the subject's consent) on their computer. How should the PI retain the info? A. Print a copy and delete the original B. Forward it to the client via unsecured email C. Secure the report and delete all electronic versions D. Store it indefinitely in unencrypted form Correct Answer: C. Secure the report and delete all electronic versions Rationale: To comply with privacy laws, sensitive personal data should be secured and unnecessary electronic copies deleted to prevent unauthorized access. When no municipal bylaws prohibit actions, which statement regarding PI and discarded items of potential evidentiary value is true? A. Items may not be seized under any circumstances B. PI must get a warrant before seizing items C. A discarded item of potential evidentiary value can be seized by PI at any time D. Only law enforcement may retrieve discarded items Correct Answer: C. A discarded item of potential evidentiary value can be seized by PI at any time Rationale: Discarded items are considered abandoned and not protected by privacy rights unless restricted by local laws. A PI is using an installed wireless video surveillance system with an unencrypted transmission signal. If the signal is intercepted, which federal act/code has been breached? A. Access to Information Act B. Privacy Act C. Criminal Code D. PIPEDA Correct Answer: D. PIPEDA Rationale: The Personal Information Protection and Electronic Documents Act (PIPEDA) governs the secure handling of personal data, including transmission security. When completed process serving of any documents, what approach should a PI take? A. Serve without documentation B. Follow internal procedures
C. Follow the rules of civil procedure D. Return documents to the client unserved Correct Answer: C. Follow the rules of civil procedure Rationale: Proper service must comply with legal standards to be valid and admissible. What concept is best described as a writ employed to bring a person before the court to ensure that the arrest or detention is justified and not illegal? A. Subpoena B. Habeas corpus C. Warrant D. Injunction Correct Answer: B. Habeas corpus Rationale: Habeas corpus ensures protection against unlawful detention. How should the PI research the options of the documents he or she is serving? A. Ask the client B. Use common knowledge C. Check the rules of civil procedure or statute under which the document is issued D. Guess based on the document title Correct Answer: C. Check the rules of civil procedure or statute under which the document is issued Rationale: Legal rules provide proper methods and obligations related to service. When should the PI inform a person of their rights? A. When issuing a ticket B. When asking questions C. When placed under arrest and/or being detained D. Always, regardless of interaction Correct Answer: C. When placed under arrest and/or being detained Rationale: Informing someone of their rights is only necessary during arrest or detention. When serving documents to a resident of an apartment building, a PI must conduct themselves according to which legislation to access the premises? A. Trespass to Property Act B. Privacy Act C. PIPEDA D. Criminal Code Correct Answer: C. PIPEDA Rationale: PIPEDA governs access to personal information and electronic surveillance during service.
A PI receives a surveillance file and notes that the subject is represented by a lawyer. The investigator must ensure what? A. The client receives no copies B. All communication stops C. The lawyer receives all copies of inquiries D. Surveillance is immediately discontinued Correct Answer: C. The lawyer receives all copies of inquiries Rationale: When legal representation is involved, all communication and records must go through the lawyer. A PI videotape is being submitted as evidence in court. What should the PI consider? A. Using a high-definition camera B. Submitting only the highlights C. What the investigator submits with their notes along with the videotape D. Adding music or narration Correct Answer: C. What the investigator submits with their notes along with the videotape Rationale: Detailed notes support the authenticity and context of video evidence. When assessing a witness statement after an interview, which is the most important factor to document? A. Witness's background B. Continuity of the information provided C. Witness’s emotions D. Location of interview Correct Answer: B. Continuity of the information provided Rationale: Continuity reflects reliability and coherence of the testimony. When investigating an employee in a corporate investigation, a PI finds intellectual property on the employee's personal computer and learns the password. What should the PI do? A. Use the password to access data B. Notify police immediately C. Consult corporate counsel on appropriate recourse D. Delete the data Correct Answer: C. Consult corporate counsel on appropriate recourse Rationale: Legal guidance ensures proper handling of sensitive corporate data. Which statement regarding the burden of proof in a criminal trial is correct? A. The accused must prove their innocence B. The burden is shared C. The burden rests with the Crown to prove guilt beyond a reasonable doubt
D. The burden is on the judge Correct Answer: C. The burden rests with the Crown to prove guilt beyond a reasonable doubt Rationale: In criminal law, the state must prove the defendant's guilt beyond a reasonable doubt. A PI is asked to conduct an investigation. What information is required? A. The name of the accused B. The documented reason for the investigation C. The PI's opinion D. The client’s address only Correct Answer: B. The documented reason for the investigation Rationale: Documentation of purpose ensures compliance with privacy laws and professional conduct. What is the term for evidence that establishes a fact unless contradicted? A. Circumstantial evidence B. Direct evidence C. Hearsay D. Inadmissible evidence Correct Answer: B. Direct evidence Rationale: Direct evidence supports a fact clearly without inference. Your client needs insurance on a leased car from a dealer. Which policy is required? A. O.A.P. 1 Owner Form, suitably endorsed B. O.P.F. #2 Driver’s Form C. O.P.F. #6 Non-owned Auto Form D. Garage Auto Form Correct Answer: A. O.A.P. 1 Owner Form, suitably endorsed Rationale: Leased vehicles require O.A.P. 1 with appropriate endorsements for proper ownership coverage. Insurance under O.A.P. 1, Section 7 is subject to a deductible except for damage caused by: A. Windstorm B. Explosion C. Vandalism D. Fire Correct Answer: D. Fire Rationale: Fire and lightning damage are typically exempt from deductibles.
Ice fishing incident: car falls through ice. Insured has liability, accident benefits, and comprehensive. What happens? A. Claim paid in full B. No coverage C. Claim paid, less deductible D. Denied due to location Correct Answer: C. Claim paid, less deductible Rationale: Comprehensive coverage includes off-road losses like falling through ice. The Facility Association is: A. For agents’ personal vehicles B. For high-limit insurance C. A pool for high-risk drivers D. A provincial government agency Correct Answer: C. A pool for high-risk drivers Rationale: It enables coverage for drivers who can’t obtain regular market insurance. The insured's car is broken into. Specified perils cover: A. Musical instruments B. The bumper jack C. The insured’s coat D. Passenger property Correct Answer: B. The bumper jack Rationale: Only items that are part of the vehicle are covered under specified perils A PI receives an electronic copy of a credit report (with the subject’s consent) on their computer. How should the PI retain the information? A. Print a hard copy and store electronically B. Forward the report to the client C. Secure the report and delete all electronic versions D. Save it on a personal device for future use Correct Answer: C. Secure the report and delete all electronic versions Rationale: Personal information must be handled securely. After reviewing, the PI must delete all electronic copies to prevent unauthorized access. When no municipal by-laws prohibit actions, which statement regarding a PI and discarded items of potential evidentiary value is true? A. A PI must always seek permission before collecting discarded items B. Discarded items cannot be used as evidence C. A discarded item of potential evidentiary value can be seized by a PI at any time
D. A warrant is required before collecting any discarded item Correct Answer: C. A discarded item of potential evidentiary value can be seized by a PI at any time Rationale: If not protected by law and lawfully discarded, such items are considered public and can be legally collected by a PI. A PI is using an installed wireless video surveillance system with an unencrypted transmission signal. If the transmitted signal is intercepted, which federal act/code has been breached? A. Access to Information Act B. Privacy Act C. Criminal Code of Canada D. PIPEDA (Personal Information Protection and Electronic Documents Act) Correct Answer: D. PIPEDA Rationale: PIPEDA governs the collection, use, and disclosure of personal information in the course of commercial activities, including electronic transmission. When completing process serving of any documents, what approach should a PI take? A. Follow client instructions B. Use discretion based on the situation C. Follow the rules of civil procedure D. Ask the court for guidance Correct Answer: C. Follow the rules of civil procedure Rationale: Process serving must be done in accordance with provincial or federal rules to be legally valid. What concept is best described as a writ used to bring a person before the court to ensure the arrest or detention is justified? A. Habeas corpus B. Subpoena C. Injunction D. Anton Piller order Correct Answer: A. Habeas corpus Rationale: Habeas corpus protects against unlawful detention by ensuring a person is brought before a court. How should the PI research the options of the documents he or she is serving? A. Ask the issuing party B. Refer to court staff C. Check the rules of civil procedure or statute under which the document is issued D. Use past experiences as a reference
Rationale: Section 494 allows private citizens, including PIs, to arrest individuals committing indictable offenses. When conducting an asset investigation, which of the following sources is public information and can be accessed without consent? A. Credit bureau report B. Tax return history C. Personal property registration lien search D. Bank statements Correct Answer: C. Personal property registration lien search Rationale: Lien searches are public records and available without consent. What is an Anton Piller order? A. A warrant for arrest B. A civil court order authorizing search and seizure C. A subpoena to testify D. An emergency protection order Correct Answer: B. A civil court order authorizing search and seizure Rationale: Anton Piller orders are used in civil matters to prevent destruction of evidence. A PI receives a surveillance file and learns the subject is represented by a lawyer. What must the investigator ensure? A. Communicate only with the client B. Discontinue the investigation C. Ensure the lawyer receives all copies of inquiries D. Conduct surveillance only in public areas Correct Answer: C. Ensure the lawyer receives all copies of inquiries Rationale: Communications and inquiries regarding the subject must go through their legal representative. A PI videotape is being submitted as evidence in court. What should the PI consider when recording? A. Camera resolution B. Time of day C. What the investigator submits with their notes along with the videotape D. Personal opinion of the content Correct Answer: C. What the investigator submits with their notes along with the videotape Rationale: Accompanying notes provide context and continuity, essential for admissibility.
When assessing a witness statement after an interview, which is the most important factor to document? A. The subject’s demeanor B. Location of the interview C. Continuity of the information provided D. Clothing of the witness Correct Answer: C. Continuity of the information provided Rationale: Continuity helps establish reliability and consistency of the testimony. When investigating an employee in a corporate investigation and discovering the employee has the client's intellectual property on a home computer, what should the PI do upon learning the employee's password? A. Log into the computer to copy files B. Provide the password to the client C. Consult corporate counsel about the appropriate recourse D. Delete all data to prevent leaks Correct Answer: C. Consult corporate counsel about the appropriate recourse Rationale: Unauthorized access could breach privacy laws; legal counsel must guide next steps. Which statement regarding the burden of proof in a criminal trial is correct? A. It lies with the accused to prove innocence B. It is shared between the defense and the Crown C. It rests with the Crown Attorney to prove beyond a reasonable doubt D. It varies by offense type Correct Answer: C. It rests with the Crown Attorney to prove beyond a reasonable doubt Rationale: In criminal law, the prosecution must prove the case beyond reasonable doubt. A PI has been asked by a client to conduct an investigation. What information is required? A. The address of the subject B. The PI’s hourly rate C. The documented reason for the investigation D. A verbal agreement with the client Correct Answer: C. The documented reason for the investigation Rationale: Documentation provides legal justification and clarity of purpose for the investigation. What is the term for evidence that will establish a fact or sustain a judgment unless contradicting evidence is produced? A. Circumstantial evidence B. Hearsay
C. No further action is needed; the new system is automatically covered D. Provide a copy of the invoice so the O.A.P. 1 Owner's Form can be endorsed to cover its full value Correct Answer: D. Provide a copy of the invoice so the O.A.P. 1 Owner's Form can be endorsed to cover its full value Rationale: Custom or high-value additions to a vehicle require an endorsement to be covered at full value. One of the following statements is correct. Which one is it? Electronic accessories or equipment are covered under O.A.P. 1 Owner's Form: A. For the full replacement cost B. Up to $2,500 if installed after the vehicle is purchased C. For the actual cash value if factory installed D. For the actual cash value Correct Answer: C. For the actual cash value if factory installed Rationale: Factory-installed electronic equipment is covered for actual cash value; aftermarket installations require special provisions. Your insured parks their automobile at a shopping mall and returns to find it damaged by another vehicle. The insured has O.A.P. 1 with Liability, Accident Benefits, Comprehensive, and OPCF 44. What section would cover the damage? A. Comprehensive B. OPCF 44, Family Protection Endorsement C. Liability D. There would be no coverage Correct Answer: D. There would be no coverage Rationale: This is a collision-type loss and since neither Collision nor All Perils coverage is listed, it is not covered. Insured under Section 7 of O.A.P. 1 Owner's Form, Loss or Damage Coverages, is usually subject to a deductible. It does not apply to loss or damage caused by: A. Water B. Lightning C. Vandalism D. Windstorm Correct Answer: B. Lightning Rationale: Losses caused by fire or lightning are not subject to the deductible under Section 7.
Your insured calls to report that while ice fishing on Lake Simcoe, his/her automobile went through the ice. He/she has O.A.P. 1 with Liability, Accident Benefits, and Comprehensive coverage. The insurer: A. Would pay the claim in full B. Would not pay the claim, as there is no coverage C. Would pay the claim, less deductible D. Would not pay the claim, as the automobile was not being operated on a public highway Correct Answer: C. Would pay the claim, less deductible Rationale: This is considered a comprehensive loss, which is covered with an applicable deductible. The Facility Association is: A. A group of insurance carriers that write insurance for agents/brokers and staff B. A reinsurance pool for clients requiring high insurance limits C. An insurance pool shared by all insurers to cover high-risk drivers not acceptable in the regular market D. A government office responsible for licensing automobile insurers Correct Answer: C. An insurance pool shared by all insurers to cover high-risk drivers not acceptable in the regular market Rationale: The Facility Association ensures all drivers have access to insurance, even if they are rejected by standard markets. The insured's automobile is broken into and some articles are taken. Specified Perils will cover: A. Musical instruments that were in the trunk B. The bumper jack belonging to the automobile C. The insured's raincoat D. Property of the insured's passengers Correct Answer: B. The bumper jack belonging to the automobile Rationale: Specified perils only cover parts permanently attached to or supplied with the automobile — not personal property Section 9 (1) to the trespass to property act. Authorities a pi to take which of the following actions?
- ANSWER Arrest an individual for trespassing If the insured drove his automobile in to his garage door, what would be included under the Own Damage coverage on his automobile policy?
B. $
C. $
D. $
Deductible does not apply or is $0 in case of fire or lightening. - ANSWER D. $ The OPCF#44 Family Protection Coverage: A. Applies to property damage caused by unidentified and uninsured motorists. B. Applies to a deductible to injury losses. C. Is a part of every Canadian owner's automobile policy. D. Allows an insured to recover up to the limit of his own policy. - ANSWER D. Allows an insured to recover up to the limit of his own policy. In the Additional Agreements of the Insurer, Own Damage, the insurer agrees to waive subrogation against: A. A neighbour driving the auto with the insured's consent. B. A neighbour who had care or custody of the auto for repair purposes. C. Anyone, other than the name insured, who has breached any condition of the policy. D. Someone who was storing the auto in a parking garage. P48. 7.4.2 - ANSWER A. A neighbour driving the auto with the insured's consent. A horse and buggy are hit by an automobile. The horse is killed. The automobile has been damaged but not the buggy. Which of the following coverages apply: A. Own Damage
B. Third Party Liability (Property Damage) C. Neither of the above. D. Both of the above. - ANSWER D. Both of the above. Rising water is covered under: A. All perils only, B. Comprehensive only. C. Comprehensive but not Specified Perils. D. All perils, Comprehensive and Specified Perils. P43- Specified Perils - ANSWER D. All perils, Comprehensive and Specified Perils. The insurer is required to pay the money for which it is liable under the automobile insurance contract within 60 days after the: A. Date of the accident. B. Proof of loss has been received by the insurer. C. Date that the insured has files a report with the police. D. Insurer has chosen to repair the damaged automobile. - ANSWER B. Proof of loss has been received by the insurer. Your insured has bought a snowmobile and advises you a fourteen year old son will also be operating it. You have provided your insured with an O.A.P. 1, Owner's Form and advise that: A. Damage to the exterior of the building directly caused by Vandalism or Malicious Acts. B. You will add OPCF 32, Recreational Vehicle Endorsement to provide coverage for underage operator.
D. It covers damage to the automobile, certain unscheduled trailers, their equipment and contents caused by another automobile in Ontario, including their loss of use. P37 - Accident must happen in ONTARIO, hence C is correct answer. - ANSWER C. The accident may occur anywhere in Canada and at least one of the other automobiles involved is insured under a motor vehicle liability policy. The insured (who has automobile insurance) is struck by an automobile while riding her bicycle and received minor injuries. Medical payments for the insured will: A. Be paid by the insured's automobile policy under Accident Benefits. B. Be paid by the provincial medical plan. C. Be paid by the motorist's automobile policy under Third Party Liability. D. Not be paid if the insured was at fault to any extent. - ANSWER A. Be paid by the insured's automobile policy under Accident Benefits. Which of the following is NOT true of recreational vehicles: A. Coverage under an Automobile Insurance Policy should be excluded by endorsement if an allterrain vehicle is used in the water. B. Not all drivers of the recreational vehicles must be licensed. C. Recreational Vehicles are permitted to cross highways. D. Motorized snow vehicles are automatically covered under an automobile insurance policy - no endorsements needed at any time. Because you always put OPCF 32 with O.A.P. 1 - ANSWER D. Motorized snow vehicles are automatically covered under an automobile insurance policy - no endorsements needed at any time.
Under Section 7, Physical Damage to Own Automobile Coverage, the insurer agrees to indemnify: A. Any occupant of the vehicle. B. Anyone who drives or operates the automobile with consent. C. The name insured. D. Any of the above. - ANSWER C. The name insured. If an insured automobile being driven by a person without the owner's consent is involved in an accident, the only coverage available to that driver is certain coverage under: A. Third Party Liability B. Accident Benefits. C. All perils. D. Uninsured motorist coverage. Ref. P28 4.4 - ANSWER B. Accident Benefits. What type of Automobile Insurance Policy provides liability coverage to a person who does not own an automobile but requires coverage for other automobiles? A. Excess Policy B. Lessor's Contingent Policy C. Standard Non-Owned Policy D. Driver's Policy. HINT - OAP 2 - Driver's Policy - ANSWER D. Driver's Policy.
