Washington State Insurance Practice Exam

Which principle bars recovery for injury if the plaintiff voluntarily encountered a known danger?

1. Assumption of Risk

2. Class Rating

3. Experience Rating

4. Pure Comparative Negligence

The correct answer is: Assumption of Risk

The correct answer is Assumption of Risk. This principle states that a plaintiff cannot recover for an injury if they voluntarily exposed themselves to a known danger. By knowingly encountering a risk, the plaintiff is considered to have assumed the responsibility for any resulting harm. This principle aims to prevent individuals from holding others legally liable for injuries that they willingly accepted. Class Rating and Experience Rating are rating methods used in insurance to determine premium rates based on statistical data. They are not related to the principle of barring recovery for voluntarily encountering a known danger. Pure Comparative Negligence, on the other hand, is a legal principle that allows a plaintiff to recover damages even if they are partially at fault for an accident. This concept is different from the principle of Assumption of Risk.