Alaska Basics of Casualty Insurance Questions 2023 (Unit 5)

Alas ka Basics of Casualty Insurance Questions 2023 (Unit 5) A person becomes seriously ill after eating unrefrigerated raw oysters from a street vendor. When the vendor is sued for negligence, what defense might be best used? - Assumption of risk - Immunity - Comparative negligence - Last clear chance - Assumption of risk The insured is in a hurry to get to work, fails to halt at a stop sign, speeds through an intersection, and strikes another vehicle. That vehicle hits another car that then jumps a curb and injures a pedestrian. What is the proximate cause of the accident? - Speeding - Failing to avoid an accident - Failing to stop at a stop sign - Leaving late for work - Failing to stop at a stop sign Common exclusions with a liability policy would typica lly include all of the following EXCEPT - injuries or damages caused intentionally by the insured - damage to property in the insured's care, custody, or control - damage to property owned by the insured - injuries or damages caused unintentionally by the insured - injuries or damages caused unintentionally by the insured Liability policies provide certain supplementary payments that are - Paid only if the insured is found to be legally liable - Included in the policy's aggregate limits - Included in t he policy's occurrence limits - Paid in addition to the policy's regular limit of liability - Paid in addition to the policy's regular limit of liability All of the following coverage are typically included in the supplementary payments of a liability policy EXCEPT - Loss of earnings - First aid to others at the time of the accident