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.

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

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In contributory negligence states, what must be true for a claimant to collect damages?

Claimant must be partially at fault
Defendant must be only partially at fault
Defendant must be 100% at fault and the claimant free of fault
Both parties must share the fault equally

The correct answer is: Defendant must be 100% at fault and the claimant free of fault

In contributory negligence states, such as Washington State, for a claimant to collect damages, the defendant must be considered 100% at fault, and the claimant must be found completely free of fault. This means that the claimant cannot have contributed in any way to the incident that caused the damages in order to be eligible to collect compensation. Options A, B, and D are not correct because they involve scenarios where both parties may share some level of fault, which goes against the principles of contributory negligence. In these states, even if the claimant is partially at fault or both parties share fault, the claimant would not be able to collect damages.