Canadian Accredited Insurance Broker (CAIB) Three Practice Exam

If a customer breaks a tooth on a piece of bone in a pizza from a pub, what is the coverage status for the dental bill?

1. COVERED

2. NOT COVERED

3. PARTIALLY COVERED

4. CONDITIONAL COVERAGE

The correct answer is: COVERED

When it comes to assessing coverage for dental bills resulting from an injury caused by consuming food from a restaurant, it’s relevant to consider the context of liability and consumer protection. In this scenario, the situation involves a customer who broke a tooth on a piece of bone found in a pizza. The correct answer is based on the idea that the pub, as the food provider, may be considered liable for serving food that contains unexpected and potentially harmful items. If the tooth injury can be linked to negligent food preparation or failure to provide safe food, then the pub could be held responsible for covering the dental expenses incurred by the customer. Additionally, many liability insurance policies held by restaurants typically cover incidents that arise from their operations, including injuries to customers. Therefore, the dental bills resulting from this incident are likely to be covered under the pub's liability insurance, assuming that the necessary criteria are met regarding negligence or product liability. This context supports why coverage is deemed appropriate in this instance, reflecting a broader understanding of liability in the food service industry. It is important for those studying insurance and liability to recognize how coverage can apply in real-life scenarios, particularly in consumer protection cases.