Liability Coverage
On Liability insurance Civil liability is designed to cover an insured for negligent acts that create legal liability to a third party. Such liability can have its source in any part of a person's life. For many people, liability insurance is purchased as part of a package policy purchased to protect large assets, such as homes, automobiles or boats. Typically, policies provide the following liability coverages.
Homeowners insurance.
Liability coverage under a homeowners policy is provided in one of three sections:
- Personal liability: These are payments that the insured is legally obligated to pay for bodily injury or property damage.
- Medical payments to third parties: These are medical expenses of injured third parties.
- Additional coverages: These cover certain expenses incurred by the insured in the event of bodily injury or property damage.
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What are the Types of Liability Insurance?
When it comes to liability insurance, there are two categories into which it is divided. The two categories are both legally required:
- Bodily Injury Liability Insurance - Bodily injury coverage does not cover injuries you sustained in a collision where you were at fault; it covers injuries to another vehicle. Specifically, it protects you against any medical or legal bonds you may face after an accident.
- Property Damage Liability Insurance - Property damage coverage pays for the damage you cause to the property of others - usually their vehicle in the event of an automobile collision.