Louisiana P&C Adjuster Practice Exam

Why would Matt's homeowners liability insurance cover Chris' medical bills?

1. Matt intended to hurt Chris

2. Chris was liable for the accident

3. Matt's actions were unintentional, but negligent

4. Chris assumed the risk of injury

The correct answer is: Matt's actions were unintentional, but negligent

Matt's homeowners liability insurance would cover Chris' medical bills because his actions were unintentional, but negligent. In the context of liability insurance, negligence refers to a failure to exercise the care that a reasonably prudent person would exercise in similar circumstances. If Matt's actions led to an accident that caused injury to Chris, and those actions were not intended to cause harm but were careless, the insurance would respond to cover the damages. Homeowners liability insurance is designed to protect the homeowner from financial loss due to claims of negligence that result in bodily injury or property damage to others. In this scenario, the key point is that the coverage applies even when the insured party did not mean to cause injury, as long as the injury resulted from actions that failed to meet a standard of care. This aligns with how liability insurance functions in most circumstances where injury occurs due to negligence rather than intention or malice. The other choices do not fit the liability coverage criterion. For instance, intent to harm would typically lead to exclusions in liability coverage, while Chris being liable or assuming the risk could limit or negate Matt's liability entirely. Thus, the most fitting reason for coverage in this case is due to the unintentional nature of Matt's actions being classified as negligent.