Policy
Which Part of the Personal Auto Policy is for Liability Coverage
Part A
resolving a claim dispute outside of court by having a neutral third party make a decision
Arbitration
The failure to exercise reasonable care, resulting in harm to another person
Negligence
The time limit in which a claim or lawsuit must be filed
Statute of Limitations
Name three key pieces of evidence used in a liability investigation.
photos, statements, and police reports
This policy excludes coverage to damage to your work
Business Owners Policy
What is the concept that may reduce the amount recoverable in a subrogation claim based on shared responsibility
Comparative Fault
This state bars recovery if a party is 50% or more at fault?
Maine
Doing what a careful, sensible person would do under the same conditions to keep others safe
This term describes a person who takes reasonable action to avoid damages even after another party's negligence
Mitigation of damages
This section of the policy will advise if MMG is excess over other applicable insurance
Other Insurance
In Virginia, this is how long an adjuster or claimant has to pursue legal action for vehicle damage after an accident
5 years
In states that used this specific defense rule, an injured party can't recover any damages if they are even found to be one percent at fault for the accident
Contributory Negligence
What 3 elements must be met in NH for INS 1002.19 in order to waive the Insured's deductible
A formal proceeding used by insurance companies to obtain information about a claim. During the proceeding, a representative of the insurance company (usually a lawyer) questions the insured. Before being questioned, the insured is placed under oath
Examination Under Oath
This coverage pays for tangible property owned by an insured when they are not at fault for an accident.
Uninsured Motorist Property Damage
In Arbitration, both parties submit this along with evidence
Contentions
This type of negligence allows recovery but reduces damages based on fault percentages
Comparative Negligence
Legal obligation where all drivers have to operate their vehicle safely and follow traffic laws
Duty of Care
A monetary award to be paid to a claimant as compensation for loss or injury. To warrant the award, the claimant must show that a breach of duty has caused foreseeable loss.
Damages or Restitution
What is the standard policy MMG uses
ISO
An official testimony under oath is known as
Deposition
MMG has 80% of states with this negligence type
Modified Comparative
This state increasted its minimum liability limits in 2025 to 50/100/25
Virginia
This doctrine holds an employer responsible for the actions of an employee while on the job
Vicarious liability