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Exam Prep Practice Test for Ch 4, Liability and Negligence

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P & C Exam Prep: Ch 4 Liability and Negligence

P & C Exam Prep: Ch 4 Liability and Negligence

Question 1 of 16

1

Fill the blank space to complete the text.

1. A parent being held responsible for damaged caused by their child is called

Explanation

Question 2 of 16

1

Fill the blank space to complete the text.

A is a wrong against an individual other than criminal or breach of contract.

Explanation

Question 3 of 16

1

Fill the blank space to complete the text.

The party claiming injury or harm in a liability situation is referred to as the .

Explanation

Question 4 of 16

1

1. is physical injury or death to another person.
2. is a form of written defamation.
3. A in an insurance policy that explains the insured's obligation related to reporting claims.
4. to do what is reasonable and prudent is called .
5. An award of damages designed specifically to pay for injury or property damage is called .
6. A defense against negligence that asserts something of events leading from the of duty to the injury is termed an .

Drag and drop to complete the text.

    Bodily Injury
    Damages
    Libel
    Slander
    requirement
    option
    Failure
    Intention
    Negligence
    Liability
    Compensatory Damage
    Notice of Claim
    broke the chain
    initiated a chain
    breach
    responsibility
    Intervening Cause
    Proximate Cause

Explanation

Question 5 of 16

1

Which of the following are examples of liability losses? [Choose all that apply to the definition of a liability loss]

Select one or more of the following:

  • A. A truck hits a school bus, seriously injuring 15 children. The truck driver caused the accident.

  • B. A very expensive home is damaged in a tornado.

  • C. A toy with steel-tipped arrows causes three children to lose their eyesight. The toy manufacturer was found to be at fault for producing the game.

  • D. An automobile catches on fire when the car's owner drops a cigarette on the seat.

Explanation

Question 6 of 16

1

Unlike the commission of a crime, a Tort is a part of civil law and concerned with the private relationships between people.

Select one of the following:

  • True
  • False

Explanation

Question 7 of 16

1

_________________________________________ is the lack of reasonable care required to protect others from the unreasonable chance of harm.

Select one of the following:

  • Breach

  • Negligence

  • Unintentional liable cause

Explanation

Question 8 of 16

1

Which of the following are examples of liability losses?
A. Ronald allows his large dog to run loose. One day the dog bites a child while the chils playing in her own yard.

B. During a severe storm, a limb from a well-intended tree in Sandra's yard breaks and falls into Shirley['s yard, damaging a swing set.

C. Thomas's son leaves a toy truck on the front walk. The mail carrier trips over it and breaks her leg.

Select one or more of the following:

  • A

  • B

  • A and B

  • C

Explanation

Question 9 of 16

1

Failure to use the care that is required to protect others from the unreasonable chance of harm is:

Select one of the following:

  • proximate cause

  • negligence

  • criminal act

  • an intervening cause

Explanation

Question 10 of 16

1

All of the following must be present to establish negligence EXCEPT:

Select one of the following:

  • proximate cause

  • legal duty owed and breach of duty

  • damages

  • willful action

Explanation

Question 11 of 16

1

Types of Liability: Sometimes a person or organization may be held liable for injuring someone and the action may neither have been intentional or negligent. All of the following are forms of liability EXCEPT:

Select one of the following:

  • Your secretary develops carpal tunnel syndrome (Workers' Compensation)

  • 2nd Degree Manslaughter

  • Auto Accident caused by brake failure. 3rd party suffers a broken leg and damage to their motorcycle.

Explanation

Question 12 of 16

1

An action that, in a natural and continuous sequence (unbroken chain of events), produces a loss is the:

Select one of the following:

  • hazard

  • proximate cause

  • exposure

Explanation

Question 13 of 16

1

Liability that is imposed as a matter of law without regard to negligence is

Select one of the following:

  • Vicarious Liability

  • Absolute Liability

  • Breach Liability

  • Proximate Liability

Explanation

Question 14 of 16

1

Liability losses are known as

Select one of the following:

  • first-party losses

  • second-party losses

  • third-party losses

Explanation

Question 15 of 16

1

Liability policies usually pay damages for the insured's liability for (choose all that apply.

Select one or more of the following:

  • bodily injury

  • property damage

  • personal injury

  • intentional torts

Explanation

Question 16 of 16

1

Supplementary Payments are

Select one of the following:

  • paid in addition to the policy's liability limit

  • deducted from the policy's liability limit

Explanation

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