Free Casualty Insurance Basics Practice Questions
Maryland Casualty exam (series 20-26) — 132 practice questions.
Subtopics: Contributory negligence, Contributory negligence effect, Contributory negligence and PD, Contributory negligence impact, 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, 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. Maryland follows which negligence rule in most auto accident and other tort claims?
Contributory negligence, which bars a plaintiff who is partly at fault
Maryland retains the common-law doctrine of contributory negligence; in Coleman (2013) the Court of Appeals declined to replace it with comparative negligence, leaving any change to the legislature.
2. In Coleman v. Soccer Association of Columbia (2013), the jury found the injured plaintiff contributorily negligent. As a result, the plaintiff:
Was barred from recovering damages
Because of the contributory negligence finding, Coleman was barred from recovery; the Court of Appeals refused to abrogate the doctrine.
3. In Maryland, a driver who was partly at fault for a collision generally finds that recovery of damages from the other driver is:
Barred under contributory negligence
Maryland retains common-law contributory negligence, which bars a negligent plaintiff from recovery; the Court of Appeals refused to adopt comparative negligence in Coleman (2013).
4. Under Maryland's negligence rule, a claimant who is found even slightly at fault for an auto accident generally:
Recovers nothing from the other driver
Maryland follows strict contributory negligence: a claimant who is even 1% at fault is generally barred from recovering from the other party, one of only a few states using this harsh rule.
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.
