Maria went to a dental office for a routine tooth extraction…

Maria went to a dental office for a routine tooth extraction. During the procedure, the dentist’s assistant accidentally dropped a heavy metal instrument on Maria’s face, causing a severe laceration and permanent scarring. Maria has filed a lawsuit against the dental office for negligence, but does not have direct evidence of what specific mistake the dentist or assistant made. Which of the following BEST applies to Maria’s situation?

A company purchased a $1 million life insurance policy on on…

A company purchased a $1 million life insurance policy on one of its key executives in January (with consent). At that time, the executive was crucial to the company’s success. By June, the executive has been promoted to a different department with minimal impact on the company’s operations. Later, the executive had a serious injury and died in July. The company submits a $1 million claim.  Will the insurance company pay for the claim?