slider-principal

Liability
Liability Coverage

Get a quote here

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.

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.