意外责任险第 428 / 531 题
A claimant's award includes $48,000 for medical bills and lost wages plus $75,000 for pain and suffering. The $75,000 portion is classified as:
a.supplementary payments made outside the limit
b.punitive damages, awarded to punish the defendant
c.general damages for intangible, unreceipted loss
d.special damages, because a figure was assigned
解析
Special damages are the measurable out-of-pocket losses — medical bills, lost wages, repair costs — which here total $48,000. General damages compensate intangible harm such as pain, suffering, disfigurement, and loss of consortium, which is exactly what the $75,000 represents. Punitive damages are a separate category aimed at the defendant's conduct, and supplementary payments are a policy provision rather than a class of damages.
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