Risk Management and Liability Flashcards
7 cards from real PADI practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Risk Management and Liability flashcards as text
Under US law, which doctrine can reduce a diver's compensation if they are found partially at fault for their own injury?
Answer: Comparative negligence
Comparative negligence apportions fault between parties, reducing the plaintiff's damages by their percentage of fault.
A PADI instructor allows a student to dive beyond the depth limit stipulated in the course standards. If injury occurs, this is best described as:
Answer: Per se negligence
Violating a specific statute or industry standard (like PADI depth limits) can constitute negligence per se, establishing breach automatically.
Which PADI document records that a student was informed of diving hazards and voluntarily accepted those risks before training?
Answer: Liability Release and Express Assumption of Risk
The Liability Release and Express Assumption of Risk form documents informed consent and voluntary acceptance of inherent diving risks.
Which type of insurance coverage pays for a diver's own medical expenses resulting from a dive accident, regardless of fault?
Answer: Accident and medical insurance
Accident and medical (first-party) insurance covers the policyholder's own medical costs without requiring proof of another party's negligence.
A dive center's general liability policy specifically excludes claims arising from professional services. To cover student injury claims, the center also needs:
Answer: Professional liability (E&O) insurance
Professional liability (errors and omissions) insurance covers claims arising from the professional services of instruction, filling the gap left by general liability exclusions.
When a PADI Divemaster supervises a certified diver who is clearly intoxicated and that diver drowns, the Divemaster's failure to intervene may establish:
Answer: Breach of duty to act
A Divemaster's professional role creates a duty of care, and failing to act on an obvious hazard constitutes a breach of that duty.
PADI's Standards and Procedures manual primarily serves as which type of legal evidence in negligence cases?
Answer: The industry standard of care
PADI's published standards define the expected standard of care for instructors and serve as the benchmark against which instructor conduct is measured in court.