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Questions and Answers
Which term describes severe injuries that may lead to permanent disability?
Which term describes severe injuries that may lead to permanent disability?
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What does a claimant refer to in legal terms?
What does a claimant refer to in legal terms?
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What is a primary characteristic of a commercial policy?
What is a primary characteristic of a commercial policy?
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What does denied liability indicate in an insurance context?
What does denied liability indicate in an insurance context?
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In what scenario might disputed liability occur?
In what scenario might disputed liability occur?
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What commonly results from dog bite incidents?
What commonly results from dog bite incidents?
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What does the term 'damages' refer to in a legal claim?
What does the term 'damages' refer to in a legal claim?
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What is the primary purpose of sweep sheets in monitoring safety hazards?
What is the primary purpose of sweep sheets in monitoring safety hazards?
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Which type of injury is specifically classified as a traumatic brain injury?
Which type of injury is specifically classified as a traumatic brain injury?
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What is a primary reason property owners could be held liable for swimming pool accidents?
What is a primary reason property owners could be held liable for swimming pool accidents?
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What does a tender of claim involve?
What does a tender of claim involve?
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What is the goal of tendering the policy limit in an insurance claim?
What is the goal of tendering the policy limit in an insurance claim?
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What is the primary purpose of government immunity?
What is the primary purpose of government immunity?
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Under what circumstances can government entities be sued despite government immunity?
Under what circumstances can government entities be sued despite government immunity?
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What does a Homeowner's Policy cover in case of personal injury?
What does a Homeowner's Policy cover in case of personal injury?
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Which of the following is NOT typically a basis for a premises liability claim?
Which of the following is NOT typically a basis for a premises liability claim?
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What can the lack of appropriate security measures lead to in legal contexts?
What can the lack of appropriate security measures lead to in legal contexts?
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What is the main focus of government entities' public functions?
What is the main focus of government entities' public functions?
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What might a report that documents property incidents include?
What might a report that documents property incidents include?
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Why is it critical for individuals to challenge government actions despite immunity?
Why is it critical for individuals to challenge government actions despite immunity?
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Which scenario illustrates inadequate security?
Which scenario illustrates inadequate security?
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What is the primary purpose of an incident report?
What is the primary purpose of an incident report?
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Which of the following best defines liability?
Which of the following best defines liability?
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What verifies that a contractor has met necessary standards to operate?
What verifies that a contractor has met necessary standards to operate?
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What do maintenance records indicate?
What do maintenance records indicate?
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How does negligence impact liability in a hazardous situation?
How does negligence impact liability in a hazardous situation?
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What does 'no notice' imply in a liability case?
What does 'no notice' imply in a liability case?
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What does non-compliance with building codes signify?
What does non-compliance with building codes signify?
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How should an objective evaluation be characterized?
How should an objective evaluation be characterized?
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Which of the following does not contribute to proving liability in a hazardous condition?
Which of the following does not contribute to proving liability in a hazardous condition?
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What can be a consequence of non-compliance with building codes?
What can be a consequence of non-compliance with building codes?
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What is the primary purpose of a slip test on a surface?
What is the primary purpose of a slip test on a surface?
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Which COF value is generally considered safe for wet areas?
Which COF value is generally considered safe for wet areas?
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What does a lower COF, specifically below 0.40, indicate about a surface?
What does a lower COF, specifically below 0.40, indicate about a surface?
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Who typically conducts an expert site inspection?
Who typically conducts an expert site inspection?
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What is a slip and fall incident characterized by?
What is a slip and fall incident characterized by?
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In a legal context, what can result from a slip and fall incident?
In a legal context, what can result from a slip and fall incident?
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What is typically included in the purpose of an expert site inspection?
What is typically included in the purpose of an expert site inspection?
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Which of the following is NOT a reason for conducting a business search?
Which of the following is NOT a reason for conducting a business search?
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What type of accident does a 'slip and fall' refer to?
What type of accident does a 'slip and fall' refer to?
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What is the outcome when a slip test results in a high COF value?
What is the outcome when a slip test results in a high COF value?
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Study Notes
Catastrophic Injury
- Severe injuries leading to permanent disability, such as brain or spinal damage.
Claim
- A demand for compensation for injury or loss.
Claimant
- A person seeking compensation for damages.
Commercial Policy
- Insurance contract protecting businesses from financial loss.
- High policy limits (often 500k+).
- Examples: Walmart, Target, Amazon, FedEx.
Damages
- Monetary compensation sought for losses.
Defendant (At-Fault Party)
- The person or party being sued.
Denied Liability
- Refusal by a party or their insurance company to accept responsibility.
- Often requires further evidence or legal action.
Disputed Liability
- Disagreement over responsibility for an accident or damage.
- Can lead to delays and litigation.
Dog Bite Case (Strict Liability)
- Owner is legally responsible for injuries, regardless of past behavior.
- States like California have strict liability laws.
Economic Damages
- Monetary losses resulting from an injury or accident (medical expenses, lost wages).
Establishing Liability
- Proving a party's legal responsibility for causing harm.
Excess Policy
- Offers additional coverage beyond primary policy limits.
- Does not widen coverage, only increases limits.
- Auto limits typically need to be at least 100/300 or 250/500 for umbrella coverage.
Government Claim
- Formal request for compensation from a government entity.
- Used in cases of government negligence or misconduct.
Government Entity
- Federal, state, or local organizations.
Government Immunity
- Legal protection preventing government entities from lawsuits for official duties.
- It exists but often has exceptions for negligence.
Homeowners' Policy
- Insurance coverage for homeowners.
- Covers liability for injuries on their property and sometimes medical payments.
- Examples of covered injuries: slip and fall, trip and fall, dog bite.
Inadequate Security
- Insufficient security measures, which can lead to premises liability claims.
Incident Report (Premise)
- Documentation of accidents, inspections, or conditions on property.
- Serves as an official record.
Liability
- Legal responsibility for one's actions or omissions.
Licensed Contractor
- Professionals with certifications and licenses to perform construction work.
- Necessary for safety and compliance.
Maintenance Records
- Documentation of property maintenance activities.
- Helps assess safety, liability, and operations.
Negligence
- Failure to take reasonable care to prevent injury or loss.
No Notice (Slip Test)
- Property owner's lack of knowledge of a hazardous condition.
- Makes it harder to prove liability for the injured party.
Non-Compliance with Building Codes
- Failure to meet building code standards.
- Can create hazardous conditions and liability for owners.
Objective
- Based on facts and verifiable evidence rather than opinions.
Open Policy
- Insurance policy with no predetermined payout limits.
- Payouts based on actual damages.
Pain and Suffering
- Physical and emotional distress caused by an injury.
Party
- Individuals or entities in a legal process or agreement.
Personal Injury
- Harm caused to a person's body, mind, or emotions.
Plaintiff (Client)
- Person filing a lawsuit.
Policy Limits (Coverage Limits)
- Maximum amount an insurer will pay for a covered loss.
Poor Lighting Hazard
- Creates safety risks due to insufficient illumination.
- A common concern in premises liability cases.
Premise Liability
- Property owners' responsibility for accidents occurring on their property.
- Covers unsafe or hazardous conditions.
Product Liability
- Manufacturers, distributors, or sellers are responsible for defective products causing harm.
Property Management
- Oversight and control of real estate properties.
- Includes maintaining, managing tenants, and maximizing return.
Renter's Policy
- Insurance coverage for renters.
Rise over Run Hazard (Stairs)
- Uneven stair dimensions (incorrect rise and run) can cause tripping or falls.
- Important safety hazard to assess.
Secretary of State Business Search
- Provides information about registered businesses.
- Used to verify business information.
Settlement
- Agreement to resolve a case without trial.
Site Inspection (Expert)
- Detailed examination of a location by specialists in relevant fields.
- Provides insights for liability or safety assessment.
Slip and Fall
- Incident of losing footing and falling on a slippery or hazardous surface.
Slip Test (Coefficient of Friction - COF)
- Measures slip resistance of surfaces.
- Higher COF indicates more slip resistance and less risk.
Soft Tissue Injury
- Injury to muscles, ligaments, or tendons.
- Often difficult to quantify.
Statement of Facts
- Concise summary of relevant events and circumstances.
Statute of Limitations
- Time limit for filing a lawsuit after an injury.
Strict Liability
- A legal doctrine holding a party responsible for an injury regardless of fault.
- Applied in specific areas, such as dog bite cases or abnormally dangerous activities.
Subjective
- Based on personal feelings, experiences, or interpretations.
Sweep Sheets
- Routine monitoring for safety hazards (spills, debris, obstacles).
Swimming Pool Accidents (Attractive Nuisance Doctrine)
- Injuries or accidents occurring in or around swimming pools.
- Owners or operators may be held liable for negligence.
Tender of Claim
- Formal request for another party to assume responsibility for a claim.
Tender Policy Limit
- Insurer's offer to pay the maximum coverage available.
Third-Party Claim (3P)
- A claim filed against another party's insurance policy.
Traumatic Brain Injury
- Serious injury to the brain due to an impact.
Trip and Fall
- Incident where a person trips and falls due to obstacles or uneven surfaces.
- Property owners potentially liable if unsafe conditions exist.
Unlicensed Contractor
- Persons lacking required licenses to perform construction work.
- Can create risks for both contractor and clients.
Watercraft Policy
- Insurance coverage for boats and other watercrafts.
- Protects against damage, liability, and losses.
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Description
Test your knowledge on catastrophic injuries, liability claims, and insurance policies. This quiz covers essential terms such as damages, defendants, and the implications of strict liability in dog bite cases. Prepare to understand legal responsibilities and the nuances of compensation claims.
