Official Course Description: MCCCD Approval: 12/14/99
LAS212 20006-20035	LEC	3 Credit(s)	3 Period(s)
Insurance and Tort Law
Basic elements of negligence, strict liability, intentional torts; defenses; damages; insurance coverage. Evaluation of records and personal injury claims; review of insurance policies; settlement brochure. Prerequisites: LAS109, or TCA101, or permission of department chair or program director/coordinator.

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MCCCD Official Course Competencies:
LAS212   20006-20035	Insurance and Tort Law

1.	Identify and analyze the elements of negligence, strict liability, and intentional torts. (I-III)
2.	Identify and analyze appropriate defenses to tort claims. (IV)
3.	Identify and analyze the legal issues surrounding damages. (V)
4.	Describe various types of insurance coverage available. (VI)
5.	Identify the rights of insurers and the defenses they can raise. (VII)
6.	Obtain and evaluate medical records. (VIII)
7.	Identify and locate non-medical records. (IX)
8.	Explain how a personal injury claim is evaluated. (X)
9.	Review a homeowner's and automobile insurance policy. (XI)
10.	Calculate a client's net settlement. (XII)
11.	Prepare a settlement brochure. (XIII)
12.	Identify and analyze the rules of professional conduct pertinent to personal injury practice. (IV-VII, X, XIII)

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MCCCD Official Course Outline:
LAS212   20006-20035	Insurance and Tort Law

I. Negligence A. Duty B. Breach of duty C. Causation II. Strict Liability A. Animals B. Abnormally dangerous activities C. Products liability III. Intentional Torts A. Assault B. Battery C. False imprisonment D. Trespass to land E. Trespass to chattels F. Conversion G. Infliction of emotional distress IV. Defenses to Tort Claims A. Contributory negligence B. Comparative negligence C. Assumption of risk D. Statutes of limitation E. Preemption F. Immunity V. Damages A. Classification B. Calculation C. Evaluation D. Wrongful death v. survival actions E. Limitations on recovery VI. Insurance Coverage A. Liability B. Uninsured motorists and underinsured motorists C. Collision D. Comprehensive E. Medical pay VII. Rights and Defenses of Insurers A. Subrogation B. Reservation of rights C. Arbitration D. Termination of policy 1. Failure to cooperate 2. Failure to give notice 3. Failure to abide by terms of policy 4. Material misrepresentations 5. Intentional acts VIII. Obtaining and Evaluating Medical Records A. Obtaining records 1. Requests for records 2. Types of records sought B. Reviewing records 1. Names found in records 2. Dates 3. Wording of releases 4. Types of treatments 5. Adverse reactions 6. Notes by medical practitioners C. Preparing medical records summary 1. Chronological order 2. Narrative summary 3. Individual health care provider summary 4. Specialized summary IX. Non-Medical Records A. Repair records B. Investigative reports by business or insurance company C. Police accident and incident reports D. Fire department reports E. Ambulance reports F. Government agency reports G. Consumer protection and service organization reports X. Assessment of Value of Case A. Medical expenses B. Lost wages C. Property damage D. Pain and suffering E. Possible defenses F. Client as a witness G. Comparative value 1. Trail reporters 2. Compendium 3. Personal injury valuation programs 4. Journals 5. Web sites 6. Experts XI. Review of Insurance Policy A. Types of policies 1. Homeowner's 2. Automobile 3. Other B. Key provisions in policies C. Declarations page XII. Calculation of Client's Net Settlement A. Medical expenses B. Fees incurred by firm 1. Investigators 2. Expert witnesses 3. Court costs C. Attorney's fees D. Expenses paid by outside sources XIII. Settlement Brochure A. Facts of case B. Personal history of plaintiff C. Prior medical history of plaintiff D. Injuries 1. Present effects 2. Long-term effects E. Economic and psychological impact of injuries F. Damages G. Evaluation of claim

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