Free Casualty Insurance Basics Practice Questions
Idaho Casualty exam — 132 practice questions.
Subtopics: Comparative negligence bar, Comparative negligence math, Comparative negligence 50-50, Special verdicts, Joint and several limited, Compensatory damages, Special damages, General damages, Punitive damages, Strict liability, Vicarious liability, Absolute liability, Negligence elements, Proximate cause, Comparative negligence, Assumption of risk, Accident vs occurrence, Split limits, Combined single limit, Aggregate limit, Duty to defend, Supplementary payments, First named insured, Duties after loss, Other insurance, Underwriting purpose, Rate development, Subrogation condition, Liberalization, Policy territory, Hazard types, Claim settlement options, Cancellation pro rata, Loss payable, No benefit to bailee, Duties assignment, Negligence per se, Res ipsa loquitur, Intervening cause, Terrorism program, Bodily injury defined, Property damage defined, Insured contract, Self-insured retention, Tort defined, Battery, Libel, Nuisance, Trespass, Contributory negligence, Last clear chance, Joint and several liability, Respondeat superior, Attractive nuisance, Reasonable person standard, Burden of proof, Statute of limitations, Duty to mitigate, Nominal damages, Bailment, Hold harmless agreement, Named insured, Additional insured, Sublimit, Erosion of aggregate, Deductible, Loss reserve, IBNR reserve, Loss adjustment expense, Proof of loss, Appraisal clause, Arbitration, Short-rate cancellation, Notice of cancellation, Nonrenewal, Coverage trigger, Defense within limits, Severability of insureds, Premium audit, Retrospective rating, Schedule rating, Earned premium, Certificate of insurance, Split limits application, Intentional torts, Slander, Conversion, Invasion of privacy, Modified comparative negligence, Pure comparative negligence, Comparative negligence calculation, Legal liability sources, Criminal vs civil, Duty of care to entrants, Dram shop laws, Products liability, Occurrence vs claims-made, Claims-made tail, Common policy conditions, Legal action against insurer, Bankruptcy condition, Supplementary payments limits, Cancellation calculation, Limits calculation, Deductible types, Primary and excess, Contribution by equal shares, Contribution by limits, Duty to defend scope, Reservation of rights, Medical payments vs liability, Personal injury vs bodily injury, Claim vs suit, Negligence defenses, Extended reporting period, Retroactive date
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Sample questions & answers
1. Under Idaho's comparative negligence statute, an injured plaintiff can recover damages only if the plaintiff's negligence was:
Not as great as the defendant's
Idaho Code 6-801 bars recovery when the plaintiff's negligence is as great as the defendant's; otherwise damages are reduced proportionally.
2. An Idaho jury finds a plaintiff 30% at fault and the defendant 70% at fault, with $100,000 in damages. The plaintiff recovers:
$70,000
Under Idaho Code 6-801, damages are diminished in proportion to the plaintiff's negligence: $100,000 less 30% = $70,000.
3. An Idaho plaintiff found 50% at fault in an accident with a single defendant who is also 50% at fault recovers:
Nothing
Idaho Code 6-801 permits recovery only if the plaintiff's negligence was not as great as the defendant's; equal fault bars recovery.
4. In an Idaho negligence case, when any party requests it, the court must direct the jury to find:
Separate special verdicts on damages and each party's percentage of fault
Idaho Code 6-802 requires special verdicts on damages and each party's percentage of negligence when requested.
Practice: Casualty Insurance Basics
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
