ACCIDENT LIABILITY COVERAGE
Personal injuries caused by negligence are often covered by liability insurance. If you own property, drive a car or operate a business, you’re exposed to legal liability.
Liability coverage is part of your homeowner’s, tenant’s and auto accident policies. People and businesses typically purchase liability insurance to protect themselves from claims arising from their negligence.
The law in most states requires that certain minimum amounts of liability insurance be carried by owners and drivers of automobiles. Failure to carry sufficient liability insurance coverage can result in the loss of license privileges in most states.
Homeowners and property owners regularly carry liability insurance to protect themselves from claims for personal injuries that occur on their premises. This means that if your dog bites the mailman, or a guest is injured inside your home, you’re protected against a lawsuit. Your insurance company would pay the claim, and would also furnish you with a legal defense. Professionals, such as doctors, lawyers, accountants, architects, and engineers regularly carry liability insurance to cover them for any damages caused by their professional negligence.
Liability insurance generally doesn’t extend to claims such as slander or libel (except with a special endorsement), intentional acts, home-based business activities, diseases you pass on to another person or claims by one household member against another. If you need legal help, please consult a licensed attorney. If you have suffered an injury due to someone else’s negligence, you should contact an attorney who practices personal injury law. There may be an insurance policy in effect that would provide coverage for your situation.