Joe Was a Self-Employed Insurance Broker

question 18

Essay

Joe was a self-employed insurance broker. His client, Sam, wished to purchase home insurance. As was his normal practice, Joe got into his car and drove past Sam's house to determine if all was as stated by the client. In the process of doing so, he struck a pedestrian crossing the street in a crosswalk because he was distracted by his examination of the house. The injured pedestrian sued not only Joe, the insurance broker, but the client as well. Explain the likely outcome.

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Definitions:

Electrical Jumper

A conductor used to close or bypass part of an electrical circuit or to connect two points together.

Line

In electrical contexts, "line" refers to a conductor or circuit that carries electric current from the power source to a load or from one part of a system to another.

Load Sides

Refers to connections or aspects of an electrical system that are downstream from the power supply and are responsible for drawing power.

Mechanical Overload

A condition where a machine or its components are subjected to forces beyond their design limits, potentially causing damage.