John and Maria are both athletes, playing in recreational softball leagues in their free time. Over the past year, John sustained a variety of injuries while playing softball, which included: two sprained ankles, a broken pinky finger, a broken toe, and a concussion. On the other hand, over the past year Maria only sustained one minor injury (a sprained ankle) while playing softball.  Based on this information, which of the following is true regarding the basic measures of risk when it comes to John and Maria? 

The below tables has information on three different drivers: Adam, Brittany, and Carmen. Each table shows that driver’s accident history over the past 3 years. Adam – Driving Accident History: Brittany – Driving Accident History: Carmen – Driving Accident History:   Based on the above information – which driver has the highest frequency of loss? 

In 2008, a widespread collapse in the United States housing market led to a global financial crisis. Several financial institutions failed, credit markets froze, and global stock markets experienced massive declines. Many businesses across many industries suffered a decline in profitability, and millions of individuals in the United States (and all around the world) lost their jobs due to the economic turmoil.  Based on what is written above, what classification of risk best describes the 2008 financial crisis? 

Over several decades, researchers have collected and analyzed national transportation safety data. This historical information overwhelmingly shows that: per mile traveled, commercial airline flights result in far fewer fatalities than automobile travel. Despite common fears about flying, the historical information and concrete data consistently supports the conclusion that air travel is significantly safer than driving. What classification of risk is being demonstrated in the above scenario? 

How is breach of duty determined?

Explain the “reasonable person” standard.

A person acting in an emergency situation is not held to any standards of care. 

Which answer relates to what is involved to be a “cause-in-fact”?

The reasonable person

____ involves restoring a person to a state of productive, noncriminal functioning in society.