Joe Was a Self-Employed Insurance Broker

Joe was a self-employed insurance broker. His client, Sam, wished to purchase home insurance. As was his normal practice, Joe got into his car and drove past Sam's house to determine if all was as stated by the client. In the process of doing so, he struck a pedestrian crossing the street in a crosswalk because he was distracted by his examination of the house. The injured pedestrian sued not only Joe, the insurance broker, but the client as well. Explain the likely outcome.

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Joe is an independent contractor. Under ...

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