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Liability insurance is any type of insurance policy that protects an individual, group, or business from the risk that they might be sued and held liable on account of a collision, such as malpractice,negligence, or harm. Most insurance policies now carry at least some level of liability insurance. What does liability insurance insure? Liability insurance would cover legal costs too as payouts in the event of an accident where the insured is found responsible or liable. Intentional damages are not insured. Obligation insurance companies have three main obligations once an incidence happens. Those obligations are to defend, to indemnify (to pay the amount the insured person is held liable to up to some predetermined coverage limit), and to settle reasonable claims. In the event that a coverage limit is met or surpassed, many liability insurance policies will transcend the coverage payout in case it's warranted and reasonable. If an insurance companies fails to settle a fair claim, and the case goes to court, you will find times when the insured will be forced to pay the surplus owed. Generally, the insurance company will settle. Who wants liability insurance? Almost everyone could reap the benefits of a liability insurance policy. People, non profit groups, and companies are at risk in the event of an event occurring. Although you hope to never want it, we live in an unpredictable world where injuries do happen. As a society we have become quite ready and willing to sue. If someone gets hurt they frequently want justice. Individuals need someone to blame and someone to pay. Having liability insurance is a sort of pillow of protection around your personal assets in case of a collision. More information: PKV-Tarifportal.de. |