# Property & Casualty Exam Prep 14, Negligence and Liability Basics

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-14-negligence-and-liability-basics
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-14-negligence-and-liability-basics.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-06-16T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/80ecf257-9802-4d69-9b01-f706326ac56d.mp3
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Duration seconds: 194

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four essential elements of negligence: duty, breach, causation, and damages. - How causation is a two-part test of both actual cause and proximate (foreseeable) cause. - The difference between contributory negligence, an all-or-nothing rule, and comparative negligence, which reduces recovery based on fault. - How to calculate liability payments in a comparative negligence scenario. - The definition of the assumption of risk defense and when it applies to a liability claim.

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## Transcript

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