Washington State Insurance Practice Exam

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Prepare for the Washington State Insurance Exam with comprehensive study materials and quizzes. Enhance your understanding of insurance concepts through engaging questions and detailed explanations to excel in your upcoming exam.

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How do many states handle damage apportionment in an accident?

Contributory Negligence
Pure Risk Apportionment
Strict Liability
Comparative Negligence

The correct answer is: Contributory Negligence

Many states, including Washington State, handle damage apportionment in an accident through a legal concept known as Comparative Negligence. This means that the fault and liability for an accident can be divided between the parties involved based on their respective degree of negligence or fault. Contributory Negligence, on the other hand, is a stricter approach where if a party is found to have contributed to the accident in any way, they may be completely barred from recovering any damages. Strict Liability places liability on one party regardless of fault. Pure Risk Apportionment is not a widely recognized legal concept in the context of handling damage apportionment in accidents.