RMIN 4000 UGA Edmunds Exam 4
Questions and Answers
Philidelphia judicial hellhole - Correct Answers -Reputation for excessive verdicts and its
"open door" policy to out of state
Georgia judicial hellhole - Correct Answers -Continue rise in nuclear verdicts, increasing
role of third-party litigation financing, and premise liability. trial lawyers and jackpot
verdict paydays. advertising focus on truckers
legal wrong - Correct Answers -a violation of a person's legal rights, or a failure to
perform a legal duty owed to a certain person, to a business org., or to a society as a
whole
Coverage F: Medical Payments to Others - Correct Answers -Pays the reasonable
expenses of another person who is accidentally injured while on an insured location, by
the activities of an insured or residence employee, or animal owned by or in the care of
insured (must be incurred within 3 years of accident) (EX: dog bites house guest, guest
breaks arm on property)
exclusions to coverages E and F - Correct Answers -motor vehicle liability (unless
stored, use for handicapped, or service purpose), watercraft/aircraft/hovercraft liability,
expected or intended injury, business activities, transmission of communicable disease,
sexual molestation, corporal punishment, abuse, or
controlled substance
exclusions to Coverage E - liability - Correct Answers -contractual liability, property
owned by insured, workers compensation, and bodily injury to an insured
types of legal wrongs - Correct Answers -crime, breach of contract, and tort
tort - Correct Answers -Legal wrong for which the court allows a remedy in the form of
monetary damages
plaintiff - Correct Answers -the person who is injured
Tortfeasor - Correct Answers -the alleged wrongdoer
categories of tort - Correct Answers -intentional, strict liability, and negligence
, intentional torts - Correct Answers -Intentional act or omission resulting in harm or injury
to another person or damage to their property
examples of intentional tort - Correct Answers -libel, slander, invasion of privacy,
assault, patent infringements
strict liability - Correct Answers -Liability imposed regardless of negligence or fault
(damage from animals, hazardous activities)
negligence tort - Correct Answers -Failure to exercise the standard of care required by
law to protect others from an unreasonable risk of harm
standard of care - Correct Answers -not the same for each wrongful act; based on the
care required by a reasonably prudent person
elements of negligence - Correct Answers -existence of a legal duty owed, breach of
legal duty, damage or injury, and proximate cause between act and damage
compensatory damages - Correct Answers -compensate the injured party for the harm
suffered (special and general)
special damages - Correct Answers -lost work earnings, medical bills, property repair
costs
general damages - Correct Answers -Loss of a companion, disfigurement, pain and
suffering
punitive damages - Correct Answers -Punish the wrongdoer and to deter others from
doing similar acts
contributory negligence - Correct Answers -Injured person cannot collect if their care
falls below the standard of care required for their protection or they are 1% responsible
comparative negligence - Correct Answers -Financial burden of injury is shared by both
parties according to respective degrees of fault
pure rule - Correct Answers -reward is reduced in proportion to your fault
50% rule - Correct Answers -you cannot recover if you are 50% or more at fault
51% rule - Correct Answers -you cannot recover if you are 51% or more at fault
last clear chance rule - Correct Answers -Plaintiff who is endangered by his or her own
negligence can still recover damages from the defendant if the defendant has a last
clear chance to avoid the accident but fails to do so (car crash)
Questions and Answers
Philidelphia judicial hellhole - Correct Answers -Reputation for excessive verdicts and its
"open door" policy to out of state
Georgia judicial hellhole - Correct Answers -Continue rise in nuclear verdicts, increasing
role of third-party litigation financing, and premise liability. trial lawyers and jackpot
verdict paydays. advertising focus on truckers
legal wrong - Correct Answers -a violation of a person's legal rights, or a failure to
perform a legal duty owed to a certain person, to a business org., or to a society as a
whole
Coverage F: Medical Payments to Others - Correct Answers -Pays the reasonable
expenses of another person who is accidentally injured while on an insured location, by
the activities of an insured or residence employee, or animal owned by or in the care of
insured (must be incurred within 3 years of accident) (EX: dog bites house guest, guest
breaks arm on property)
exclusions to coverages E and F - Correct Answers -motor vehicle liability (unless
stored, use for handicapped, or service purpose), watercraft/aircraft/hovercraft liability,
expected or intended injury, business activities, transmission of communicable disease,
sexual molestation, corporal punishment, abuse, or
controlled substance
exclusions to Coverage E - liability - Correct Answers -contractual liability, property
owned by insured, workers compensation, and bodily injury to an insured
types of legal wrongs - Correct Answers -crime, breach of contract, and tort
tort - Correct Answers -Legal wrong for which the court allows a remedy in the form of
monetary damages
plaintiff - Correct Answers -the person who is injured
Tortfeasor - Correct Answers -the alleged wrongdoer
categories of tort - Correct Answers -intentional, strict liability, and negligence
, intentional torts - Correct Answers -Intentional act or omission resulting in harm or injury
to another person or damage to their property
examples of intentional tort - Correct Answers -libel, slander, invasion of privacy,
assault, patent infringements
strict liability - Correct Answers -Liability imposed regardless of negligence or fault
(damage from animals, hazardous activities)
negligence tort - Correct Answers -Failure to exercise the standard of care required by
law to protect others from an unreasonable risk of harm
standard of care - Correct Answers -not the same for each wrongful act; based on the
care required by a reasonably prudent person
elements of negligence - Correct Answers -existence of a legal duty owed, breach of
legal duty, damage or injury, and proximate cause between act and damage
compensatory damages - Correct Answers -compensate the injured party for the harm
suffered (special and general)
special damages - Correct Answers -lost work earnings, medical bills, property repair
costs
general damages - Correct Answers -Loss of a companion, disfigurement, pain and
suffering
punitive damages - Correct Answers -Punish the wrongdoer and to deter others from
doing similar acts
contributory negligence - Correct Answers -Injured person cannot collect if their care
falls below the standard of care required for their protection or they are 1% responsible
comparative negligence - Correct Answers -Financial burden of injury is shared by both
parties according to respective degrees of fault
pure rule - Correct Answers -reward is reduced in proportion to your fault
50% rule - Correct Answers -you cannot recover if you are 50% or more at fault
51% rule - Correct Answers -you cannot recover if you are 51% or more at fault
last clear chance rule - Correct Answers -Plaintiff who is endangered by his or her own
negligence can still recover damages from the defendant if the defendant has a last
clear chance to avoid the accident but fails to do so (car crash)
