Negligence can be defined as:

Study for the Other Than Life (OTL) Agent's Exam A. Enhance your knowledge with questions and detailed explanations. Prepare confidently for your insurance exam!

Multiple Choice

Negligence can be defined as:

Explanation:
Negligence means failing to exercise reasonable care toward others, breaking the duty to act as a reasonable person would under the circumstances. This breach often shows up as an omission—failing to do something a reasonable person would do. For example, not checking on a dependent or not warning about a known hazard would be an omission of care. Doing something a reasonable person would do shows proper care, not negligence, so that option doesn’t fit. Simply acting under normal circumstances is too vague and doesn’t specify the duty or the breach. Therefore, the omission to act when a reasonable person would act best captures the idea of negligence.

Negligence means failing to exercise reasonable care toward others, breaking the duty to act as a reasonable person would under the circumstances. This breach often shows up as an omission—failing to do something a reasonable person would do. For example, not checking on a dependent or not warning about a known hazard would be an omission of care.

Doing something a reasonable person would do shows proper care, not negligence, so that option doesn’t fit. Simply acting under normal circumstances is too vague and doesn’t specify the duty or the breach. Therefore, the omission to act when a reasonable person would act best captures the idea of negligence.

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