TDVL Risk Management and Liability 2 — Questions and Answers
Question 1: A passenger leaves a bag in your taxi. What is your PRIMARY liability concern if you fail to report it?
- You may be held responsible for the bag's contents if they cause harm (Correct answer)
- You automatically receive a finder's fee
- The passenger waives all rights to the bag
- Your insurance company takes ownership of the item
Correct answer: You may be held responsible for the bag's contents if they cause harm
Failing to report found property can expose a driver to liability if the contents later cause harm or are deemed abandoned improperly.
Question 2: Which action best demonstrates proactive risk management when picking up a late-night fare?
- Refuse all late-night fares to avoid risk
- Verify the dispatch details and note the pickup location before proceeding (Correct answer)
- Drive as fast as possible to minimize exposure time
- Turn off the meter to avoid documentation
Correct answer: Verify the dispatch details and note the pickup location before proceeding
Verifying dispatch details and noting the location creates a record and confirms the legitimacy of the trip before any risk is encountered.
Question 3: A taxi driver is involved in an at-fault accident. Which party is MOST likely to face a civil lawsuit?
- The passenger only
- The municipality that issued the license
- The driver and potentially the taxi company as employer (Correct answer)
- The vehicle manufacturer
Correct answer: The driver and potentially the taxi company as employer
Under vicarious liability principles, both the at-fault driver and their employer (the taxi company) can be named in a civil lawsuit.
Question 4: What does 'comparative negligence' mean in the context of a taxi accident claim?
- Only the most negligent party pays damages
- Fault and damages are apportioned among all negligent parties based on their degree of fault (Correct answer)
- The driver is always 100% liable in any accident
- Insurance companies decide fault without court involvement
Correct answer: Fault and damages are apportioned among all negligent parties based on their degree of fault
Comparative negligence distributes fault proportionally, so a driver who is 30% at fault pays 30% of the total damages.
Question 5: Which insurance coverage specifically protects a taxi driver if an uninsured motorist causes an accident?
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage (Correct answer)
- Medical payments coverage
Correct answer: Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages caused by a driver who has no insurance or insufficient coverage.
Question 6: A passenger claims they were injured due to a sudden stop the driver made to avoid a collision. How should the driver respond legally?
- Admit fault immediately to settle quickly
- Deny all responsibility and refuse to speak
- Document the incident, gather witness info, and notify the insurer promptly (Correct answer)
- Offer the passenger cash to avoid a report
Correct answer: Document the incident, gather witness info, and notify the insurer promptly
Proper documentation, witness collection, and prompt insurer notification protect the driver's legal position and support the claim review.
Question 7: Under the duty of care owed to passengers, a taxi driver is MOST obligated to:
- Transport passengers at the lowest possible speed
- Ensure the vehicle is safe, drive carefully, and follow all traffic laws (Correct answer)
- Provide entertainment during the trip
- Offer passengers a receipt only upon request
Correct answer: Ensure the vehicle is safe, drive carefully, and follow all traffic laws
A driver's duty of care requires maintaining a safe vehicle, operating it carefully, and complying with all applicable traffic regulations.
TDVL Risk Management and Liability 2
A passenger leaves a bag in your taxi.
What is your PRIMARY liability concern if you fail to report it?