Question

Question 6 You are a claims specialist for House Secure Insurance Company and your policyholder has purchased a trampoline to be placed in their backyard. They tell the neighbor’s kids they cannot use the trampoline, but while the policyholder was on vacation one of the neighbor’s kids jumped on the trampoline and fell, breaking his arm. Who could be negligent for this accident? Choose all that apply.

A) The homeowner/trampoline owner.

B) The child

C) The child's parents

D) No one

Answer 1

Answer - A & B

The reason is that although policyholders warned the kids, but should have ensured that neighbour's kid shuld not use that. Atleast before gioing for vacation, the same can be locked or put aside so that nobody can use that. Moreover, this needs to be checked what the communication from policyholder - is that other cant use or others should not use sine they get injured.

Child is also reponsible since he/she was warned, but did not pay attention.

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The other possible asn could be A and C, provided policy holder has communicated well to child's parent and then it was their resoposibility to look after. But if parents were ignorant of the fact, then they can't be blamed.