Question 1

Raw land is normally insured under property insurance contracts.

Accepted Answer

Raw land typically is not insured under property insurance contracts because it does not face the same risks as buildings or personal property (e.g., fire, theft, vandalism). Insurance usually covers structures and contents on the land, not the land itself.

Question 2

Few medical doctors have to worry about being sued for negligent behavior.

Accepted Answer

Medical doctors often have to worry about being sued for negligent behavior as malpractice lawsuits are relatively common in the healthcare field, reflecting concerns about patient safety and professional accountability.

Question 3

Regardless of how wrong a defendant may have been, if a suitable defense can be presented, the defendant may be absolved.

Accepted Answer

In a legal context, if a defendant can present a suitable defense that aligns with legal standards and principles, such as self-defense, insanity, or duress, they may be found not guilty or receive a lesser sentence, regardless of the initial perception of their actions.

Question 4

Individuals are not responsible for diseases spread by their pets.

Accepted Answer

Individuals are responsible for their pets, including preventing diseases that pets can spread to humans or other animals through proper care, vaccinations, and hygiene practices.

Question 5

Completed operations insurance covers a contractor while working on a building.

Accepted Answer

Completed operations insurance covers a contractor for liability related to work that has been completed, not while the work is in progress.

Question 6

Traditionally, courts have treated an automobile as if it were a dangerous instrumentality.

Accepted Answer

The answer of Traditionally, courts have treated an automobile as...

Question 7

An employer may be held liable while an employee is driving a personal car on the employer's behalf.

Accepted Answer

Employers can be held liable for accidents or damages caused by their employees while driving personal vehicles for work-related tasks, under the legal doctrine of "vicarious liability."

Question 8

Since many physicians are skilled specialists, they have little need for a good "bedside manner."

Accepted Answer

Good bedside manner is crucial for physicians, regardless of their specialty, as it helps in building trust, ensuring effective communication, and improving patient satisfaction and outcomes.

Question 9

Match the descriptions with their terms:
-A legal injury or wrong to another arising out of actions other than breach of contract in which courts will allow recovery in an action for damages is a/an _________________.

Accepted Answer

A tort is a legal injury or wrong to another, outside of breach of contract, for which the courts will allow recovery in an action for damages.

Question 10

Match the descriptions with their terms:
-Failure to exercise the degree of care that is required by law is called _________________.

Accepted Answer

Negligence is defined as the failure to exercise the degree of care that the law requires to protect others from harm.

Question 11

Match the descriptions with their terms:
-A/An _________________ is characterized by failure to do something.

Accepted Answer

A negative act is characterized by failure to do something, such as failing to act when there is a duty to do so.

Question 12

Match the descriptions with their terms:
-An act for which one is held responsible for the acts of another is called a/an _________________.

Accepted Answer

Imputed acts refer to situations where one person is held legally responsible for the actions of another, such as an employer being responsible for the actions of their employee.

Question 13

Match the descriptions with their terms:
-The _________________ of the loss must be an unbroken chain of events between a person's actions and the damage that occurs.

Accepted Answer

The proximate cause refers to the requirement that the chain of events leading to the damage must be directly connected to the actions of the person, without significant interruption.

Question 14

Match the descriptions with their terms:
-The defense of contributory negligence can be refuted if the plaintiff can show that the defendant had a/an _______________ before the accident to avoid injuring the plaintiff.

Accepted Answer

The last clear chance doctrine allows a plaintiff to recover damages even if they were partially at fault, by proving the defendant had the final opportunity to avoid the accident.

Question 15

Match the descriptions with their terms:
-The _________________ reduce the standard of care owed to a passenger in a car.

Accepted Answer

Guest-host statutes specifically address the liability and standard of care owed by a driver (host) to a non-paying passenger (guest) in their vehicle, often reducing the host's liability.

Question 16

Match the descriptions with their terms:
-_________________ are individuals who are invited on the premises for their benefit as well as for that of the landlord or tenant.

Accepted Answer

Invitees are individuals who enter premises for mutual benefit, implying a level of care owed to them by the property owner or occupier.

Question 17

Match the descriptions with their terms:
-Persons who have legitimate purpose on someone's land but are not specifically invited are called _________________.

Accepted Answer

Licensees are individuals who enter someone's land for their own purpose or benefit but with the landowner's permission, without being expressly invited.

Question 18

Match the descriptions with their terms:
-_________________ include all those other than invitees and licensees who are on the premises.

Accepted Answer

Trespassers are defined as individuals who enter premises without permission or legal right, distinguishing them from invitees and licensees who have explicit or implicit permission to be on the property.

Question 19

Match the descriptions with their terms:
-The status of a trespasser may be changed to an invitee by the ________________.

Accepted Answer

The attractive nuisance doctrine can change the status of a trespasser to an invitee if the trespasser is a child attracted to a hazardous condition on the property.

Question 20

Match the descriptions with their terms:
-Under the _________________ the owner of an automobile is responsible for the use of that vehicle when it is driven by any member of the family.

Accepted Answer

The family-purpose doctrine holds the owner of a vehicle responsible for its use by family members, aligning with the description provided.

Quiz 3: Property and Liability Loss Exposures

Raw land is normally insured under property insurance contracts.

Few medical doctors have to worry about being sued for negligent behavior.

Regardless of how wrong a defendant may have been, if a suitable defense can be presented, the defendant may be absolved.

Individuals are not responsible for diseases spread by their pets.

Completed operations insurance covers a contractor while working on a building.

Traditionally, courts have treated an automobile as if it were a dangerous instrumentality.

An employer may be held liable while an employee is driving a personal car on the employer's behalf.

Since many physicians are skilled specialists, they have little need for a good "bedside manner."

Match the descriptions with their terms: -A legal injury or wrong to another arising out of actions other than breach of contract in which courts will allow recovery in an action for damages is a/an _________________.

Match the descriptions with their terms: -Failure to exercise the degree of care that is required by law is called _________________.

Match the descriptions with their terms: -A/An _________________ is characterized by failure to do something.

Match the descriptions with their terms: -An act for which one is held responsible for the acts of another is called a/an _________________.

Match the descriptions with their terms: -The _________________ of the loss must be an unbroken chain of events between a person's actions and the damage that occurs.

Match the descriptions with their terms: -The defense of contributory negligence can be refuted if the plaintiff can show that the defendant had a/an _______________ before the accident to avoid injuring the plaintiff.

Match the descriptions with their terms: -The _________________ reduce the standard of care owed to a passenger in a car.

Match the descriptions with their terms: -_________________ are individuals who are invited on the premises for their benefit as well as for that of the landlord or tenant.

Match the descriptions with their terms: -Persons who have legitimate purpose on someone's land but are not specifically invited are called _________________.

Match the descriptions with their terms: -_________________ include all those other than invitees and licensees who are on the premises.

Match the descriptions with their terms: -The status of a trespasser may be changed to an invitee by the ________________.

Match the descriptions with their terms: -Under the _________________ the owner of an automobile is responsible for the use of that vehicle when it is driven by any member of the family.