19-year old Carrie is babysitting for her four-year-old niece Jill. Carrie leaves Jill alone in the living room and goes into the kitchen for some privacy to call her boyfriend. From the kitchen, she can hear but not see Jill. While Carrie is out of the living room, Jill falls off a chair and is hurt.

Ben, a defensive tackle on the school football team, tackles a teammate in a full-contact practice. When the teammate hits the ground, his shoulder is dislocated

Mr. Ghosh owns a large apartment building. When his janitors wax the lobby floor, they place a 12-inch-square sign near the front door that reads: "Caution. Wet Floors." Mrs. Gonzalez is hurrying home from shopping with two large bags of groceries. She does not see the sign and slips and falls on the freshly waxed floor, injuring her knee and arm.

Corina leaves a sharp knife on the kitchen table after making a sandwich. A three-year-old neighbor who has been invited over to play with Corina's daughter climbs up onto a chair, grabs the knife, and seriously cuts his finger.

Jamal, a school bus driver, has a heart attack one morning while driving the bus carrying students to school. As Jamal loses conciousness, the bus slams into a wall, injuring several of the students. One month earlier during a routine checkup, Jamal's doctor had warned him of his heart condition.

Matt and Emily are sitting in the upper deck of the stadium behind first base at a major league baseball game. A foul ball hit by their team's star player bounces off a nearby railing, smacking Matt in the head and giving him a concussion.

Jess, an expert auto mechanic, continues to drive her car even though she knows that the brake linings are badly worn. Driving below the speed limit on a rain-slick road at night, she slams on the breaks and skids into a bicyclist who is riding one foot away from the right curb