Basic Legal PCL Concepts

Question 1

When an employer is held responsible for actions of an employee…

Answer 1

Vicarious liability

Question 2

What is gross negligence?

Answer 2

Irresponsible behavior showing disregard for the safety or lives of others

Question 3

When someone willingly gives up the right to sue a person who was at fault.

Answer 3

Subrogation

Question 4

Define absolute and strict liability

Answer 4

Absolute- the claimant does not have to prove anything

Strict- requires claimant to prove that a defect caused the injury or damage

Question 5

Legal defenses against negligence…

Answer 5

Assumption of risk
Contributory negligence
Comparative negligence 
Last clear chance
Intervening cause
Statute of limitations

Question 6

Define comparative negligence

Answer 6

Injured party is partly responsible for the claim, the damages are reduced based on how much fault lies with the injured party (not common law defense)

Question 7

Proximate cause is…

Answer 7

An uninterrupted chain of events resulting from negligence causes injury or damage

Question 8

In an insurance policy, any modifications made to regular contract are known as…

Answer 8

Endorsements

Question 9

Policy provision that gives the insurer The right to repair or replace..

Answer 9

Our option

Question 10

The Standard mortgage clause states that a (blank) has the right to file a claim, make premium payments, and be notified of any cancellations or non-renewals

Answer 10

Mortgagee or lienholder