Class Review HOMEOWNER S POLICY playing baseball in front yard hit ball thru kitchen windows and break window answer additional coverages 2 you breakdown and buy a full bred show dog 3 days later the dog s stolen from your backyard answer not covered where is it excluded coverage c personal property 6 answer A dwelling 6 answer coverage b other structures 6 the Ups carrier drives his truck thru your detached garage door and damages it while repainting your room you spill paint all over the wall to wall carpet your oldest son calls you after he returns to school from thanksgiving vacation his comp was stolen while he was at home lightning strikes a tree in your front yard killing the tree answer coverage c personal property 6 answer additional coverages 6 an earthquake hits your neighborhood and causes several fires the earthquake damages your home answer NOT COVERED where s it excluded section 1 exclusions 6 earthquake hits your hood and causes several fires one of the fires destroys your tool shed answer other structures 6 the compressor in your 15 yr old refrigerator goes out and the whole refrigerator must be replaced your car s stolen from your garage answer NOT COVERED its excluded under personal property 6 answer NOT COVERED not excluded under personal property 6 one winter morning you awake to find your pipes frozen they break and cause considerable damage to your belongings you had the heater on last night your son leaves his roller blades in living room your boss trips over them and breaks his wrist your grandma gave you a 300 antique lamp your toddler knocks it over and breaks it answer personal property 6 answer medical payments 6 answer not covered excluded under personal property 6 after your boss gets over the fact that he broke your arm in your house he invites you over you re nervous and knock a 400 vase off a table in his living room answer liability 6 you get a new dog it bites your neighbor s son you rent a carpet cleaning machine you negligently damage the machine answer medical payments 6 answer not covered excluded under liability 6 answer medical payments 6 answer liability 6 answer not covered excluded under liability 6 answer liability 6 answer not covered excluded under liability 6 answer personal property 6 answer personal property 6 while playing ball you accidentally hit one of your teammates in the face w elbow he has to go to hospital 12 hr old daughter s mad at neighbors she throws rock thru car s window causing 500 in damage you re a lawyer and one of your clients sues you for inaccurate legal advice you re driving a golf cart and thinking about all of accidents you and your family have had you run over your friend you friend sues you for damage you hit a pedestrian w your car after you hit pedestrian you drive up on curb and run over your son s bike the compressor in your 15 yr old refrigerator is fried by a sudden electrical current your car s stolen from your garage you had left your lap top in trunk is computer covered a tornado tears up your front lawn and shrubs answer personal property 6 answer not covered excluded under additional coverages you borrow friends car you smash into another motorist the damage done to other motorist s car is you borrow friends car smash into someone while you re texting the damage to friends car is AUTO POLICY 6 answer friend s liability 6 answer friends collision 6 you hate your daughters boyfriend and forbid him from ever being near her or her car she lends him her car and he causes serious accident the boyfriend is sued for 10 000 is there coverage under your policy answer your liability 6 you re walking across street and are struck by a motorist who failed to stop hit and run you have bodily injuries of 15 000 is the loss covered answer covered by uninsured motorist 6 you re driving home one night and hit a moose you have 700 damage done to your car is the loss covered answer your other than collision 6 your spouse is driving your car and loses control of vehicle crashing into the foundation of the statue of chief osceola is the property damage to the chief covered answer your liability is the damage to your car covered answer your collision are your spouse s medical bills covered answered your medical payments 6 students out celebrating LaSalle advancing to the sweet 16 break your car window and steal your golf clubs is the glass covered answer your other than collision your golf clubs are stolen is the stolen property covered answer not covered excluded under liability Types of Law Common law Laws developed through cases as judges handle law over time Statutory Law deals with statutes local state etc Branches of Law Criminal infractions of an individual in regards with society example assault not acceptable behavior in a society Civil interactions between two individuals o Contract o Tort governs relationship between people who don t have a contract between each other but some form of injury has occurred here Basic Tort Liability Rules No liability Negligence Intentional Torts Strict Liability Absolute Liability Legal Liability from Negligence All of the following must occur prudent man rule courts decide who was or wasn t negligent prudent man rule what a reasonable person would have done given the circumstances o There was a duty o There was negligence failure to perform o Actual damage or loss bodily injury property damage personal injury reputation slander impede ability to earn income Special damage measurable how much time did you miss at work how much were the medical bills General damage intangible losses back pain loss of relationship with loved one Punitive damages punishment part punish the person who was negligent so that they won t do it again Collateral source rule damages should not be reduced just because you have other means of collection i e health insurance o Negligence caused the damage unbroken chain of events must prove that uninterrupted chain of events stemming from negligence that caused the event Defenses to Negligence Assumption of risk you knowingly take on a risk ride rollercoasters sky diving drive a car etc and you re assuming that risk Negligence on the part of the Injured Party o Contributory contributing to accidents o Comparative who is more at fault 95 Nyce fault vs 5 your fault percentage of how much you pay in proportion to what you contributed to the accident Some states practice that if 49 5 of fault can t collect 50 you can still collect or no one can collect
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