Iqbal was involved in an automobile accident and was charged with the impaired operation of...

This scenario tests a broker's proficiency in Claims Services and their understanding of the OAP 1 Statutory Conditions regarding prohibited use and the impact of criminal charges on indemnity. Under Ontario law, an insurer may deny a collision claim if the driver is convicted of an offense under the Criminal Code related to impaired driving. However, a "charge" is not a "conviction."

According to the RIBO Competency Profile, a broker must assist the client in navigating the claims process fairly. The broker's role is to explain that while the insurer has the right to withhold payment pending the outcome of the legal proceedings, the coverage is not necessarily lost forever. If the charges are dismissed or the client is found not guilty, the exclusion for "prohibited use" (driving while impaired) no longer applies, and the insurer must settle the claim. Advising the client to pursue their legal rights and explaining the conditional nature of the claim denial is essential for Professionalism and Integrity. Option A is incorrect because it treats a charge as a conviction, which prematurely voids the insured's rights. The Blueprint emphasizes that Level 1 brokers must recognize the difference between a breach of a policy condition and a temporary suspension of benefits pending legal clarity. This ensures that the broker provides Consulting and Advising that is legally sound and protects the client from being unfairly penalized before due process is completed.