Registered Insurance Brokers of Ontario (RIBO) Practice Exam

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What is Ordinary Negligence?

Failure to do what a reasonable and prudent person would do in a given situation
Usually characterized by reckless, wanton and willful misconduct
Defined in the same way as Gross Negligence
Of little importance when settling a liability claim

The correct answer is: Failure to do what a reasonable and prudent person would do in a given situation

Ordinary negligence is a standard of care that requires a person to do what a reasonable and prudent person would do in a given situation. This means that the person must act with a certain level of caution and care to avoid causing harm or injury to others. Option B is incorrect because it describes gross negligence, which is a more serious form of negligence. Option C is also incorrect, as ordinary negligence and gross negligence have different definitions. Option D is incorrect because ordinary negligence is important in determining liability in legal claims.