Two common chemical sunscreens, oxybenzone and octinoxate, have been banned in Hawaii, Palau, nature reserves in Mexico, Bonaire, Aruba, The US Virgin Islands, the Marshall Islands, and Thailand’s marine natural parks. Experiments have shown these sunscreens are toxic to:

The same cell types that make eyelashes curve are the same as those that make hair curly.

Tom has an unfenced backyard and has a problem with the neighborhood children who prefer to take the shortcut through his yard on the way to and back from the convenience store.  He has warned the children repeatedly that they are not permitted to enter his yard and has posted no trespassing signs along the perimeter of the proper.  This has not been successful and he has determined to teach these children a lesson by digging a pit in his backyard with a tarp over the top to hide the pit.  A child enters the property and suffers significant injury.  Can Tom be arrested or sued in this situation?

A state law protecting accident victims against irresponsible motorists by requiring owners  and operators of automobiles to carry a certain amount of liability insurance in order to license the vehicle and drive legally within the state is called a(n)

A crazed elephant that escaped from a local circus is finally cornered in the Hill’s detached two-car garage.  Damage to the garage from the elephant and the ensuing gunfire is $5,000.

Jack and Jill Hill have insured their home for $100,000 under a HO-3 (Homeowners 3) policy that is identical to the policy that you have received.  The policy has no endorsements.  Choose the answer that BEST describes the coverage the Hills would have under their HO-3 for each scenario described.

The auto insurance and homeowner insurance policies contain language specific to the intentional cause of loss and fraud.  In fact, every insurance contract contains this type of language.  What “problem’ is being addressed by including this language in the insurance contract?

An earthquake causes severe structural damage to the Hill’s home.  Damage to the Hill’s home is

John takes his car into the auto dealership to have some repair work done to it.  After completing the repair work, the mechanic takes the vehicle out for a test drive and is involved in an accident.  

The Johnson’s drive to Canada on vacation.  While there, their car is stolen.