Question

Susan was leaving work, and as she walked outside, she noticed that a lot of snow had fallen ,and it was very cold. She hurried across the public parking lot to her car, and slipped on ice that was hidden under the snow. Susan landed hard on her right hip. Embarrassed, she quickly got up but not before she felt a pop in her groin and excruciating pain.

Fortunately, a colleague witnessed the incident and immediately called 9-1-1 to take Susan to the hospital. Susan was diagnosed with a fractured hip and pelvis, right. She realizes she is in for a long recovery.

1. Which is responsible for reimbursing Susan's medical expenses due to the fall on public parking lot?

a. Liability insurance

b. Worker's compensation
c. Automobile insurance

d. Disability insurance

2. Which is responsible for reimbursing Susan's income due to her inability to work for up to four months?

a. Automobile insurance

b. Liability insurance

c. Worker's compensation

d. Disability insurance

Answer 1

The insurance which provides protection when there is a claim against injury or damage to people or their property is called Liability Insurance.

The insurance which provides protection when there is a claim of injury or becomes due to their work is called Workers compensation.

The insurance which provides protection when there is vehicle damage is called Vehicle insurance.

The insurance which provides protection when there is a claim against injury to people which prevents them to work is called Disability insurance.

1 - a

2 - d