Mississippi Property & Casualty Practice Exam

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Which of the following is an example of general compensatory damages?

Loss of wages
Pain and suffering
Medical expenses
Property replacement value

The correct answer is: Pain and suffering

General compensatory damages are intended to compensate an individual for non-economic losses resulting from an injury. These types of damages are not easily quantifiable and deal primarily with the subjective experiences that a person endures due to another party's actions. Pain and suffering fall into this category, as they account for the physical pain and emotional distress that an individual experiences following an injury. This includes both the immediate discomfort as well as any long-term emotional issues that may arise. In contrast, the other options represent special compensatory damages, which are meant to compensate for specific, tangible losses that can easily be calculated. Loss of wages, medical expenses, and property replacement value can all be explicitly documented and quantified, making them distinct from the more subjective nature of pain and suffering.