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CHAPTER 3 Property and Liability Loss Exposures True-False 1. Oxanhorse fails to repair Bickley’s car on time which causes Bickley to be late for an appointment. As a result, Bickley loses an important contract. Oxanhorse is probably liable for the loss. ANSWER: F 2. Loss through legal liability for harm caused to others is not a serious financial risk. ANSWER: F 3. Insurance is available for intentional torts such as slander. ANSWER: T 4. If Miller breaches a contract with Almaro, such a breach may be properly described as a tort. ANSWER: F 5. Imputed liability is illustrated when one person is blamed for the negligence of another. ANSWER: T 6. Fewer damage claims would probably be paid under the doctrine of comparative negligence than under the doctrine of contributory negligence. ANSWER: F 7. Under the doctrine of res ipsa loquitur, a plaintiff may collect without proving negligence on the part of the defendant. ANSWER: T 8. Vicarious liability laws place the liability of the driver of an automobile on the owner. ANSWER: T 9. Under workers’ compensation laws, the law of negligence is used to settle most claims. ANSWER: F 10. The attractive nuisance doctrine may give the status of an invitee to a trespasser who is a child. ANSWER: T 11. A manufacturer cannot usually be held liable for loss occurring because of the unsafe use of a product. ANSWER: T 12. An agent may be held liable for an insolvent insurer. ANSWER: T 13. The last clear chance rule is often used in medical malpractice cases. ANSWER: F 14. A homeowner has an obligation to protect a licensee from harm. ANSWER: F 15. It is all right for an attorney to mix personal funds with a client’s. ANSWER: F 16. Clergy do not need professional liability insurance. ANSWER: F 17. Under strict tort liability, the consumer must show that the manufacturer was negligent. ANSWER: F 18. There are two major categories of property—real and personal. ANSWER: T 19. There are two major types of property loss—