AIC 32 LIABILITY CLAIMS CERTIFICATION
EVALUATION EXAMS 2026 QUESTIONS WITH
ANSWERS
◉The subjective standard for determining whether injury or property
damage involves expected results can be described as . Answer: What
the insured expected and intended from the act.
◉The objective standard . Answer: is based on what a reasonable
person would expect from a particular act.
◉Exceptions to the business exclusion for rentals . Answer: - rental on
an occasional basis
- renting rooms to no more than two people
- rental for use of an office, a school, a studio, or a private garage.
◉The BACF applies while . Answer: the insd is in the process of
handling cargo from the time it is picked up until it is "finally" set down.
For loading from the moment it is physically accepted, lifted, or taken to
and placed in or on the veh.
, ◉Proprietary Function . Answer: a function performed by the
government that could just as easily be performed by a private entity
◉Trade Dress . Answer: nonfunctional physical detail and design of a
product or its packaging, which distinguishes it from the products of
others. (color, design, shapes, placements of words, decoration, packing)
◉Negligence Per Se . Answer: Violation of a statute creates a
presumption of negligence as a matter of law.
◉Concurrent Joint TF . Answer: negligent acts of two or more parties
combine to produce a single injury .they both can be held separately
responsible for the entire amount of a claimant's damages.
◉Successive Joint TF . Answer: when the negligent acts of two or
more parties do not combine to produce a single event but do combine to
produce the injury.
- damages are divisible and a claimant must seek pymt from each
◉The 50 percent rule . Answer: permits the plaintiff to recover reduced
damages so long as the plaintiff's negligence is not greater than 50
percent of the total negligence that led to the injury or damage
◉Rescue doctrine . Answer: TF can be held liable to any people
involved in rescue efforts.
EVALUATION EXAMS 2026 QUESTIONS WITH
ANSWERS
◉The subjective standard for determining whether injury or property
damage involves expected results can be described as . Answer: What
the insured expected and intended from the act.
◉The objective standard . Answer: is based on what a reasonable
person would expect from a particular act.
◉Exceptions to the business exclusion for rentals . Answer: - rental on
an occasional basis
- renting rooms to no more than two people
- rental for use of an office, a school, a studio, or a private garage.
◉The BACF applies while . Answer: the insd is in the process of
handling cargo from the time it is picked up until it is "finally" set down.
For loading from the moment it is physically accepted, lifted, or taken to
and placed in or on the veh.
, ◉Proprietary Function . Answer: a function performed by the
government that could just as easily be performed by a private entity
◉Trade Dress . Answer: nonfunctional physical detail and design of a
product or its packaging, which distinguishes it from the products of
others. (color, design, shapes, placements of words, decoration, packing)
◉Negligence Per Se . Answer: Violation of a statute creates a
presumption of negligence as a matter of law.
◉Concurrent Joint TF . Answer: negligent acts of two or more parties
combine to produce a single injury .they both can be held separately
responsible for the entire amount of a claimant's damages.
◉Successive Joint TF . Answer: when the negligent acts of two or
more parties do not combine to produce a single event but do combine to
produce the injury.
- damages are divisible and a claimant must seek pymt from each
◉The 50 percent rule . Answer: permits the plaintiff to recover reduced
damages so long as the plaintiff's negligence is not greater than 50
percent of the total negligence that led to the injury or damage
◉Rescue doctrine . Answer: TF can be held liable to any people
involved in rescue efforts.
