please answer all 3 and make sure they are 100% correct.

Question 7 All of the following are elements of negligence except: Negligent act being the proximate cause of the damages Damages or injury to claimant An intervening event that actually causes the damages Failure to perform a legal duty to use reasonable care Question 25 Which statement is true regarding liability coverage in the Personal Auto Policy (PAP)? Coverage is provided only to the named insured If more than one auto policy applies to the liability claim, the vehicle owner's coverage is excess The PAP will compensate the injured party for medical expenses if the insured is legally liable Minimum liability limit per person in N.C. is $20,000 D Question 26 A vehicle will be considered a total loss if cost to repair equal or exceeds _-_% of Actual Cash Value O 55 0 66 O 85 O 75