Which rule posits that harm is the natural and probable consequence of the defendant's act and should be foreseen by an ordinarily prudent person?

Study for the Chartered Property Casualty Underwriter 530 Exam with flashcards and multiple choice questions. Each question has hints and explanations to enhance your understanding and prepare you thoroughly.

Multiple Choice

Which rule posits that harm is the natural and probable consequence of the defendant's act and should be foreseen by an ordinarily prudent person?

Explanation:
This question tests how proximate cause is determined through foreseeability in negligence. The rule says the harm must be a natural and probable consequence of the defendant’s act and that a ordinarily prudent person should foresee that harm. If the injury is something a reasonable person could anticipate as a likely outcome, the defendant is liable for the proximate cause. This focuses on foreseeability of the result, not merely whether the harm happened (which is the but-for idea of causation in fact). The but-for rule asks whether the harm wouldn’t have occurred without the defendant’s conduct, which is a different aspect of causation. Intervening acts and concurrent causation concern whether a subsequent event or multiple causes break or combine in the chain of causation rather than the foreseeability of the outcome.

This question tests how proximate cause is determined through foreseeability in negligence. The rule says the harm must be a natural and probable consequence of the defendant’s act and that a ordinarily prudent person should foresee that harm. If the injury is something a reasonable person could anticipate as a likely outcome, the defendant is liable for the proximate cause. This focuses on foreseeability of the result, not merely whether the harm happened (which is the but-for idea of causation in fact). The but-for rule asks whether the harm wouldn’t have occurred without the defendant’s conduct, which is a different aspect of causation. Intervening acts and concurrent causation concern whether a subsequent event or multiple causes break or combine in the chain of causation rather than the foreseeability of the outcome.

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