This does not apply if it involves your auto, as that would be
covered under your liability coverage on your car insurance.
The damage and possible injury that you caused you should
covered under your liability coverage, assuming your policy is active and up to date.
If you cause a fire because the lights you're using to grow with are poorly wired, that's not likely to be
covered under liability coverage on your Phoenix renters insurance because you technically caused the loss while committing a crime.
Not exact matches
Topics to be discussed include: Court Procedure: An understanding of the civil litigation process in New Jersey as it pertains to negligence claims; Damages: Understanding the standards for, and the differences between Compensatory and Punitive Damages; Facility Maintenance: Identifying potential safety hazards related to facilities and grounds, and taking reasonable steps to address common problems; Indemnification: Identifying when the school district is responsible for the actions of its employees, and when it may disclaim
coverage; Insurance
Coverage Issues: Understanding what is, and is not
covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence
liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school districts.
«We insure, up to the limit of
liability... for this
coverage for direct physical loss not caused by the negligence of an insured, to property
covered under Section I caused by water or water - borne material, which... backs up through sewers or drains...»
Liability coverage on your Fremont, California renters insurance pays for the defense costs for a liability claim which would be covered under the policy if you were proven to be res
Liability coverage on your Fremont, California renters insurance pays for the defense costs for a
liability claim which would be covered under the policy if you were proven to be res
liability claim which would be
covered under the policy if you were proven to be responsible.
While spiritual creatures from other realms are not a
covered peril for personal property, we expect that if a poltergeist somehow forced you to take a specific action which resulted in bodily injury or property damage to another person, you could well have
coverage under the
liability section of your Erie, PA renters insurance policy.
Their York, PA Renters Insurance is
covering the damage to their property, and likely will
cover any damage to the apartment
under their
liability coverage, but who tried to kill them, and why?
Since
liability coverage extends to your children as well as yourself, and the acts of children
under thirteen are presumed to be negligent (and therefore
covered) even if they were intentional, you don't have to pay for the defense costs or for the settlement — your policy would take care of both in a situation like that.
With
liability coverage, the insurance company will even defend you against claims that would be
covered under the policy so you don't have to pay for the lawyer yourself.
If you don't have
coverage under your homeowners policy, purchase canine
liability insurance — a policy that is designed to specifically
cover you in the event you are sued due to your dog's conduct, Cannon advises.
In other words, if his policy
covered you, you would not have
liability coverage for burning down his townhome because you're all be insured
under the policy!
Even if the owner's policy
covered you — which it probably doesn't — you've got a serious problem with regard to
liability coverage: Assuming for a moment that you had
coverage under that policy (you don't!)
Notwithstanding, there are certain
liabilities which will not be
covered by personal
liability coverage under your home insurance policy.
Trailers are sometimes
covered under the boat, auto, or homeowners
liability policy, but
coverage may not be adequate to protect you after an accident.
If your home insurance policy
covers trampoline - related injuries, remember that only those outside of the household would fall
under that
liability coverage.
In order to know what large items are
covered and which ones aren't above a certain number, you need to read the «Special Limitations of
Liability» section
under personal property
coverage.
It could be
covered under your medical payments no fault
coverage if it's a minor injury, or it could be
covered under liability if there's fault or the bills get higher.
We insure, up to the limit of
liability shown in the Declarations for this
coverage, for direct physical loss, not caused by the negligence of an «insured», to property
covered under Section I caused by water, or water - borne material, which:
Thus, if an accident is
covered under a policy's
liability coverage, it must also be
covered under the UM
coverage.
Under - insured motorist
coverage provides a source of compensation to an injured party when the existing
liability coverage of the at - fault driver does not fully
cover damages.
The Appeal Court was asked whether Precision's
liability for the release of pollutants, which was not a
covered peril
under the policy, could nonetheless still result in
coverage if a concurrent cause of the damage was a
covered peril.
If you accidentally damage a stranger's property, your renters insurance also
covers the damages
under your
liability coverage.
Common Exclusions: No
coverage for (1) bodily injury / death when you are using your vehicle to carry persons or property (including magazines, newspapers, food) for compensation or a fee; (2)
liability assumed
under a contract; (3) bodily injury / death to an employee; (4) bodily injury / death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6) bodily injury / death to you or relative; (7) bodily injury / death or property damage resulting from a relative's use of a vehicle, other than a
covered vehicle, owned by a person who resides with you; or (8) bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a
covered vehicle.
Nor do they typically
cover losses due to floods, mudslides, water damage from sewer backups, damage resulting from war or nuclear hazard, neglect, earthquakes, power failures, seepage, dry rot, or vermin.Homeowner insurance does not provide general free legal advice
under the
liability portion of the policy, however low cost legal insurance may be an interesting option to compliment your
coverage.
It is important to know that personal injury
liability does not
cover injuries to the car insurance policy holder, nor other people that are
under the same auto insurance
coverage plan (such as family members).
If you purchase the minimum
liability amount of
coverage, other riders may not be
covered under your plan.
Umbrella or Excess
Liability offers broader
coverage and
covers for things which are not included
under Standard Homeowners or Auto policies, such as libel, slander, and invasion of privacy.
You can purchase a drone insurance policy that goes above and beyond what is in your home or renters policy, including medical and accidental death
coverage for your own injuries (not
covered under home insurance), as well as additional
liability coverage.
Its meaning is important because it determines the types of contracts that are
covered under contractual
liability coverage.
Since
liability coverage extends to your children as well as yourself, and the acts of children
under thirteen are presumed to be negligent (and therefore
covered) even if they were intentional, you don't have to pay for the defense costs or for the settlement — your policy would take care of both in a situation like that.
A good umbrella policy can
cover these and many more
liability risks for which you may not have
coverage under your automobile or home insurance policy.
Trailers are sometimes
covered under the boat, auto, or homeowners
liability policy, but
coverage may not be adequate to protect you after an accident.
It is important to understand that
liability coverage does not
cover your own injuries, or injuries to other people who are
covered under your auto insurance policy.
These problems are not
covered under standard PIP and
liability insurance policies, but it's a good idea to have this
coverage.
A
liability car insurance policy typically provides
coverage for any accident in which the policyholder (or someone else
covered under the policy) drives in a negligent manner — and perhaps even in a grossly negligent or reckless manner, depending on what the policy says — and causes a car accident.
Bobtail insurance protects a tractor when it's operated without a trailer, whether or not it's
under dispatch, while Non-Trucking
Liability coverage only
covers a vehicle when it's driven for personal, nonbusiness use.
Automobile damage by fire can be
covered under your collision insurance, your uninsured or underinsured motorist property damage
coverage or the other driver's
liability coverage if the fire is a result of an accident; otherwise it may be a comprehensive claim.
The injuries to the other driver could be claimed
under your bodily injury
liability coverage and your own injuries would be
covered under personal injury protection (PIP) or medical payments (MedPay).
The injury could be
covered under medical payments or
liability coverage on renters insurance in Mississippi, depending on the severity of the injury.
Liability coverage also offers defense against a claim or suit that would be
covered under the policy.
An insurance policy designed to provide additional
coverage against major losses
covered under the original policy if existing
liability claim payments are exhausted past their limits.
Renters insurance
liability is on an open perils basis, which means that generally anything not excluded (like criminal acts) is
covered under your renters insurance
liability coverage.
You'll know about the different types of
coverage, and what things are
covered under each different type, from
liability insurance, to collision insurance, to comprehensive insurance, and more.
They
cover all the basics,
liability and
under / uninsured motorist
coverage, collision, and comprehensive
coverage, as well as some options we couldn't get with other companies, like new car replacement and property protection
coverage.
A personal umbrella policy not only increases the limits applicable with your basic
liability coverage, it also
covers you in situations that may not be
covered under your basic policy such as:
Under Iowa state law, drivers must buy car insurance policies with minimum
liability limits of $ 20,000 in bodily injury protection per person, $ 40,000 in
coverage per accident, and $ 15,000 insurance to
cover the cost of property damage.
However, the civil indemnity insurance policy will provide
coverage for all these aspects
under the «civil
liability»
cover.
Renters insurance combines
liability coverage, which pays for damage to the property caused by the tenant's negligence, with personal property
coverage, which pays to help replace a tenant's damaged or stolen property, items that are not
covered under the building's policy.
Comprehensive
coverage pays for situations that are not
covered under liability or collision.