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NICK VISS Tommy at ranch. Although novice on horseback, Nick decides to join Tommy on a morning ride. Tommy suggests that Nick ride a newly

NICK VISS Tommy at ranch. Although novice on horseback, Nick decides to join Tommy on a morning ride. Tommy suggests that Nick ride a newly bought wild stallion named Stan. While mounting Stan, Nick is thrown heading through the windshield of Nick's car. There is around $2000 damage to the car and Nick's own Insurance pay him $1500 with $500 deductible Under what standard could Nick's Insurance company sue Tommy for his negligence? 

  1. adhesion 
  2. indemnity 
  3. estoppel 
  4. subrogation 
  5. misrepresentation

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