How do special damages differ from general damages in claims?

Study for the CII Certificate in Insurance - Insurance Claims Handling Process (IF4) Test. Prepare with multiple choice questions and expand your knowledge on insurance industry standards. Get ready for success!

Special damages are specific, quantifiable losses incurred as a direct result of an injury or an event, such as medical expenses, repair costs, and lost wages. These damages can typically be calculated and are backed by receipts or bills, which provide clear evidence of the financial impact suffered.

On the other hand, general damages pertain to non-economic losses that are more subjective and intangible. These can include pain and suffering, emotional distress, and loss of enjoyment of life. Unlike special damages, they are not easily quantifiable and do not have a clear monetary value, making them difficult to compute with precision.

By understanding this distinction, it becomes evident that the correct choice illustrates that special damages are indeed quantifiable, while general damages relate to aspects of loss that are more abstract, focusing on the emotional or psychological impacts that cannot be easily assigned a monetary figure.

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