意外责任险第 415 / 531 题

The failure to exercise the degree of care that a reasonably prudent person would exercise under similar circumstances is the legal definition of:

a.Indemnity
b.Subrogation
c.Negligence
d.Absolute liability

解析

Negligence is the failure to act with the level of care a reasonably prudent person would use in similar circumstances, and it is the basis of most liability claims. Proving negligence generally requires four elements: a duty owed, a breach of that duty, that the breach was the proximate cause of harm, and actual damages. Absolute (strict) liability applies without proof of negligence in inherently dangerous situations.

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