Flashcard on Legal Implications and Insurance Concepts

Front

What is proximate cause in legal terms?

Back

A legal theory establishing fault and liability

Answer explanation

Proximate cause refers to a legal theory that establishes fault and liability in a case. In Ava's situation, her running the red light is a proximate cause of the accident, linking her actions to the injuries caused.

Front

What must Abigail prove in a product liability case against the manufacturer after being injured by a malfunctioning kitchen blender?

Back

That the product was defective or dangerous

Answer explanation

In a product liability case, Abigail must prove that the blender was defective or dangerous, as this establishes the manufacturer's liability for her injury. The other options do not relate to proving product liability.

Front

In insurance terms, what is the amount called that the insured must pay out of pocket before insurance covers the rest of the repair costs?

Back

Deductible

Answer explanation

The amount Sophia must pay out of her own pocket before her insurance covers the repair costs is called the deductible. This is the correct choice, as it directly refers to the out-of-pocket expense before insurance kicks in.

Front

During a toxic tort trial, what is the role of an expert witness like Benjamin?

Back

To establish a pattern of similar injuries

Answer explanation

Benjamin's role as an expert witness is to establish a pattern of similar injuries, providing the court with relevant scientific or technical insights that support the case regarding the toxic tort.

Front

What does 'limits of liability' refer to in an insurance policy?

Back

The maximum amount an insurance company will pay

Answer explanation

'Limits of liability' refers to the maximum amount an insurance company will pay for a covered loss. This means that if a claim exceeds this limit, the insurer will not pay beyond that specified maximum.

Front

What is the significance of proximate cause in Samuel's personal injury case?

Back

It establishes the defendant's liability for the plaintiff's injuries

Answer explanation

Proximate cause is crucial in personal injury cases as it establishes the link between the defendant's actions and the plaintiff's injuries, determining the defendant's liability.

Front

What type of insurance covers losses up to a certain limit?

Back

Insurance that covers losses up to a certain limit

Answer explanation

The insurance policy James is considering pays for losses up to a specified limit, which means it covers losses only up to a certain amount. This aligns with the choice 'Insurance that covers losses up to a certain limit'.

Front

What can complicate determining liability after a multi-car accident involving Benjamin, Arjun, and Michael?

Back

Multiple contributing causes

Answer explanation

Multiple contributing causes can complicate liability in a multi-car accident, as it may be difficult to determine which driver or factors were primarily responsible for the incident.

Front

What is the arrangement called when Avery pays a percentage of the doctor's bill while the insurance company pays the rest?

Back

A percentage of the cost of a covered loss paid by the insured

Answer explanation

This arrangement is called a percentage of the cost of a covered loss paid by the insured, as Avery pays a portion of the bill while the insurance covers the remainder.

Front

What does Abigail need to prove to establish proximate cause in her personal injury case?

Back

Proof of the defendant's actions as a substantial factor in causing the injury

Answer explanation

To establish proximate cause, Abigail must prove that the defendant's actions were a substantial factor in causing her injury. This is essential for her personal injury claim.