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    <description>Negligence may be inferred under res ipsa loquitur where a vehicle on a straight road swerves to the wrong side and strikes a tree, causing death, and no non-negligent explanation is shown. A master is vicariously liable when the servant&#039;s negligent driving occurs during a business journey and in the course of employment, including conduct that is a wrongful mode of doing an authorised act. Motor insurance cover for passenger death depends on the statutory scheme and the express policy terms, so liability is confined to the passenger-risk cover specifically undertaken under the policy.</description>
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