Which of the following statements about "open-perils" coverage is (are)true?
I.All losses are covered except those losses specifically excluded.
II.The burden of proof is on the insured to prove that a loss is covered.
A)I only
B)II only
C)both I and II
D)neither I nor II

Question

Quizplus · Accepted Answer

"Open-perils" coverage is also known as "all-risk" coverage. This means that all losses are covered except those losses specifically excluded. Therefore, statement I is true. However, statement II is not true. The burden of proof is on the insurer to prove that a loss is excluded rather than on the insured to prove that it is covered.

Which of the Following Statements About "Open-Perils" Coverage Is (Are)true