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CPCU 530 - Chapter 8
Definitions
54
Other
Not Applicable
12/06/2007

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Term
Tort
Definition
a wrongful act or omission, other than a crime or a breach of contract, for which the remedy is usually monetary damages
Term
Intentional tort
Definition
a tort committed with intent to cause harm or with intent to do the act that causes harm
Term
Tortfeasor
Definition
one who commits a tort
Term
Forum
Definition
the jurisdiction or place in which a party sues
Term
Situs
Definition
in a tort case, the place at which a wrong occurs
Term
Rule of significant contracts
Definition
a court rule, applied in cases involving parties from different states with conflicting laws that favors the law of the state that has a greater interest
Term
Negligence
Definition
the failure to exercise the degree of care that a reasonable person in a similar situation would exercise to avoid harming others
Term
Legal duty
Definition
an element of negligence that exists when parties are in such a relationship that the law imposes on one party the responsibility for the exercise of care toward the other party
Term
Trespasser
Definition
a person who intentionally enters onto the property of another without permission or any legal right to do so
Term
Licensee
Definition
a person who has permission to enter onto another’s property for his or her own purposes
Term
Invitee
Definition
a person who enters onto another’s property upon invitation for the benefit of the owner or for their mutual benefit
Term
Reasonable person test
Definition
a standard for the degree of care exercised in a situation that is measured by what a reasonably cautious person would or would not do under similar circumstances
Term
Reckless misconduct
Definition
a deliberate performance or nonperformance of an act with knowledge or reason to know that harm to another will probably result
Term
Proximate cause
Definition
the event that sets in motion an uninterrupted chain of events leading to a loss
Term
“But for” rule
Definition
a rule used to determine if a defendant’s act was the proximate cause of a plaintiff’s harm based on the determination that the plaintiff’s harm could not have occurred but for the defendant’s act
Term
Substantial factor rule
Definition
a rule used to determine proximate cause when two parties’ acts coincide to cause a loss by determining which act is the substantial factor in causing the harm
Term
Forseeability rule
Definition
a rule used to determine proximate cause when a plaintiff’s harm is the natural and probable consequence of the defendant’s wrongful act and when an ordinarily reasonable person would have foreseen the harm
Term
Intervening act
Definition
an act, independent of an original act and not readily foreseeable, that breaks the chain of causation and sets a new change of events in motion that cause harm
Term
Concurrent causation
Definition
the proximate cause resulting when two or more independent causes combine to produce harm
Term
Negligence per se
Definition
an act that is considered inherently negligent as a matter of law
Term
Res ipsa loquitur
Definition
a legal doctrine that provides that, in some circumstances, negligence is inferred simply by an accident’s having occurred
Term
Exclusive control
Definition
the control of only one person or entity; in tort law the control by the defendant alone of an instrument that caused harm
Term
Imputed negligence
Definition
a concept holding one party responsible for another’s negligence by virtue of the relationship between the two parties
Term
Imputed contributory negligence
Definition
at common law, the plaintiff’s imputed responsibility for the defendant’s negligence
Term
Vicarious liability
Definition
a legal responsibility that occurs when one party is held liable for the actions of a subordinate or an associate because of the relationship between the two parties
Term
Negligent entrustment
Definition
the act of leaving a dangerous article with a person who the lender knows, or should know, it likely to use it in an unreasonably risky manner
Term
Dangerous instrumentality doctrine
Definition
a legal doctrine in which a parent is liable for negligently permitting a child to obtain or use a dangerous instrumentality that harms a third party
Term
Negligent supervision
Definition
a parent’s liability for failing to exercise reasonable control and supervision over his or her child
Term
Contributory negligence
Definition
a common-law defense that prevents a person who has been harmed from recovering damages if that person contributed in any way to his or her own harm
Term
Comparative negligence
Definition
a defense to negligence that apportions damages to the respective degree of fault when both the plaintiff and the defendant are at fault
Term
Pure comparative negligence rule
Definition
a comparative negligence rule that allows the plaintiff to recover damages diminished by his or her proportion of fault, however substantial that fault might be
Term
50 percent comparative negligence rule
Definition
a comparative negligence rule that permits a plaintiff to recover reduced damages so long as the plaintiff’s negligence is not greater than 50 percent of the total negligence leading to harm
Term
49 percent comparative negligence rule
Definition
a comparative negligence rule that permits a plaintiff to recover reduced damages so long as the plaintiff’s negligence is less than the other party’s negligence
Term
Slight versus gross rule
Definition
a rule of comparative negligence that permits the plaintiff to recover only when the plaintiff’s negligence is slight in comparison with the other party’s gross negligence
Term
Last clear chance doctrine
Definition
a defense to negligence that hold the party who has the last clear chance to avoid harm and fails to do so solely responsible for the harm
Term
Assumption-of-risk defense
Definition
a defense to negligence that bars a plaintiff’s recovery for harm caused by the defendant’s negligence if the plaintiff voluntarily incurred the risk of harm
Term
Sovereign, or governmental, immunity
Definition
a defense to negligence that protects the federal government against lawsuits for tort without its consent
Term
Proprietary function
Definition
a local government’s act that could be performed by a private enterprise
Term
Land contract
Definition
a secured interest in real property based on a stipulation that the seller will not transfer title to the property until payment of a certain percentage of the price
Term
Governmental function
Definition
an act that can be performed only by government
Term
Objective reasonableness standard
Definition
a local government’s qualified immunity from negligence lawsuits for actions that were reasonable under the circumstances
Term
Administrative, or discretionary, act
Definition
an act that an official has discretion to perform or not perform
Term
Ministerial act
Definition
an act that is directed by law or other authority and that requires no individual judgment or discretion about whether or how to perform it
Term
Quasi-governmental theory
Definition
a theory that extents governmental immunity from lawsuits to charities that have assumed some governmental responsibilities
Term
Trust fund theory
Definition
a theory that extends immunity from lawsuits to charities because they hold donated funds in trust to spend for charitable purposes, not to pay tort claims
Term
Interspousal immunity
Definition
a defense to negligence that grants immunity to one spouse from the other spouse’s lawsuit for torts committed before, during, and after the marriage
Term
Parent-child immunity
Definition
a defense to negligence that grants immunity to parents from their children’s lawsuits for torts
Term
Hold-harmless, or indemnity
Definition
a contractual provision obligating one party to assume another party’s legal liability in the event of a specified loss
Term
Nuisance
Definition
the unreasonable, unwarranted, or unlawful use of property that interferes with another’s enjoyment of, or right to, his or her property
Term
Attractive nuisance doctrine
Definition
a doctrine treating a child as a licensee, or guest, rather than a trespasser on land containing an artificial and harmful condition that is certain to attract children
Term
Express license
Definition
the oral or written permission to enter onto another’s land to do a certain act, but not the granting of any interest in the land itself
Term
Implied license
Definition
the permission to enter onto another’s land arising out of a relationship between the party who enters the land and the owner
Term
Public invitee
Definition
a person invited to enter onto land as a member of the general public for a purpose for which the land is open to the public
Term
Business invitee
Definition
a person invited to enter onto land for a purpose connected with the business conducted on the premises
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