1) Which of the following personal liability activities is not insurable?

A) The insured haphazardly shovels his sidewalk

after a snowstorm and a passerby falls and is injured.

B) The insured unintentionally drives a golf ball

into the back of the head of a fellow golfer, injuring her.

C) The insured causes a barroom brawl and

punches another patron in the nose, breaking it.

D) The insured carelessly drops a banana peel on

her kitchen floor causing a guest to slip and fall.

2) The insured burns leaves curbside on a windy day. The wind carries a lit ember to a neighbor's

house, starting it afire. This scenario illustrates which of the following liability concepts?

A) Direct consequences

B) Doubtful proximate cause

C) Intervening cause

D) Intervening cause which is foreseeable.

3) Which of the following statements are conditions which must be present to establish a res ipsa

loquitur situation?

I) The cause of the injury must have been within the exclusive control of the defendant.

II) The injured party can be negligent in their own injury to a small

degree.

III) The incident taking place cannot involve negligence.

A) I only

B) I and II only

C) III only

D) I and III only

4) The most accurate statement, below, dealing with damages is:

A) Punitive damages are awarded in the majority of negligence cases.

B) General damages are subjective in nature and this can lead to the

award of large sums of money which are sometimes not in proportion to actual injuries.

C) Special damages are difficult to calculate because not all expenses

related to the injury can be determined

D) Because of the collateral source rule, it is easily possible for a negligent

defendant to avoid paying a judgment

5) The landowner owes the greatest duty, or standard of care, to which of the following parties:

A) Children

B) Trespassers

C) Invitees

D) Licensees