Sentences with phrase «under your liability coverage if»

This type of loss could be paid under your liability coverage if it was above the damage to property of others limit.

Not exact matches

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 resLiability 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 resliability claim which would be covered under the policy if you were proven to be responsible.

This means that if you injure someone negligently or damage their property by accident, you can often get coverage under the personal liability section of your renters insurance policy.

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.

Liability coverage is automatic for kids under 13, as well, if they cause injury or damage to someone else, because they're presumed not to have the capacity to be negligent.

If you physically harm another person with your vehicle, it would fall under your auto insurance policy's bodily injury 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.

Children under 13 are generally presumed not to have the capacity for negligence, so liability coverage extends to acts they commit that might be considered intentional acts if they were older.

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.

If you list them as additional insured, they're insured under the policy and likely not eligible to make a claim against your liability coverage.

If it's a more serious injury, such as from a venomous pet, you could likely find coverage under the liability section of the policy.

If there were to be a fire due to the negligence of the person who was not insured under your policy, there would be no liability coverage for them.

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!)

If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.

If you have Annapolis, MD Renters Insurance and your dog injures someone, whether by jumping on them or by biting them, will you have coverage for that loss under your liability?

If your home insurance policy covers trampoline - related injuries, remember that only those outside of the household would fall under that liability coverage.

This is generally not ideal, because it causes problems if the landlord (or his insurance company) needs to make a claim under your liability 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.

A landlord being listed as additional insured can bring trouble if you need to collect under a tenant's liability coverage.

Thus, if an accident is covered under a policy's liability coverage, it must also be covered under the UM coverage.

If you are in a situation in Canada or US where local laws prevent you from making a claim against the offending motorist responsible for the motor vehicle accident, you may have coverage under Inverse Liability protection.

Unlike a typical car accident claim, hit and run claimants must look to their own auto liability insurance policies for compensation under the uninsured motorist provisions (UM) in their policies if the hit and run motorist can not be located or that motorist lacked insurance coverage.

If both parties only carried the minimum coverage, the accident victim would only be entitled to $ 20,000 from the at - fault driver's policy (under the liability insurance provision) and another $ 20,000 from his own underinsured motorist provision.

But if you need to be convinced, consider that failing to notify your liability insurer of a potential claim could have consequences beyond potential coverage issues under the policy, including the possibility that you could be found guilty of professional misconduct.

If you were not completely at fault and you were injured, then you can file a claim against the other party and recover under their third party liability protection coverage.

If you were not at fault, you may also sue the other driver and recover under his or her third - party liability coverage.

Because our Professional Liability Insurance coverage is written on a claims - made basis, if you know of any circumstances which might possibly, at some point in the future, give rise to an insurance claim against you and you want coverage under your Insurance Policy, then

If you are injured by the negligence of a defendant, we will make a claim under the bodily injury liability coverage of the negligent defendant's insurance policy.

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.

• Buy a stand - alone dog liability policy if you can't find affordable coverage for the dog under a homeowners or renters policy.

This does not apply if it involves your auto, as that would be covered under your liability coverage on your car insurance.

If you accidentally damage a stranger's property, your renters insurance also covers the damages under your liability coverage.

Step 3: Review your policy to determine if you are over or under insured and have enough liability and coverage to replace all the items on your list should you be required to buy them new.

If you purchase the minimum liability amount of coverage, other riders may not be covered under your plan.

Children under 13 are generally presumed not to have the capacity for negligence, so liability coverage extends to acts they commit that might be considered intentional acts if they were older.

However if you own a property or have investments and savings that are worth more than the liability limits under your policy, consider purchasing an Umbrella or Excess Liability policy, which will provide extra liability coverage to protect youliability limits under your policy, consider purchasing an Umbrella or Excess Liability policy, which will provide extra liability coverage to protect youLiability policy, which will provide extra liability coverage to protect youliability coverage to protect your assets.

If it is new or still under finance you will be required to purchase additional insurance instead of just having liability coverage.

If you, for example, injure someone with a racquetball racket at the club, that injury would be defended under home insurance liability coverage.

If your vehicle is under financing having general liability is usually not an option, as the lender or finance company will require additional 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.

Some automobile insurers like to argue that drinking and driving is intentional conduct, since that argument (if accepted) will allow the company to disclaim coverage for damages resulting from a DUI — whether injuries and vehicle damage sustained by the driver and / or passengers in the vehicle you hit (under your liability coverage), or your own losses (under your personal injury protection or similar coverage).

(4) The named insured's underinsured motorist bodily injury coverage limits, if applicable, shall be equal to the highest limits of bodily injury liability coverage for any one vehicle insured under the policy unless the insured elects to purchase greater or lesser limits for underinsured motorist bodily injury coverage.

Furthermore, if a claimant is an insured under the underinsured motorist coverage on separate or additional policies, the limit of underinsured motorist coverage applicable to the claimant is the difference between the amount paid to the claimant under the exhausted liability policy or policies and the total limits of the claimant's underinsured motorist coverages as determined by combining the highest limit available under each policy; provided that this sentence shall apply only to insurance on nonfleet private passenger motor vehicles as described in G.S. 58-40-15 (9) and (10).

If you own a home - based business, you may already have property and liability coverage under a business owners policy, or BOP.

For purposes of an underinsured motorist claim asserted by a person injured in an accident where more than one person is injured, a highway vehicle will also be an «underinsured highway vehicle» if the total amount actually paid to that person under all bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of underinsured motorist coverage for the vehicle involved in the accident and insured under the owner's policy.

If you have Crystal Park at Waterford renters insurance, you file a claim on medical payments to others coverage or under your liability coverage, and the insurance company takes over dealing with the problem.

If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.

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.

If you're under permanent lease to a motor carrier that provides your Primary Liability coverage, you could benefit from our Non-Trucking Liability (NTL) coverage with unlimited radius while using your truck for a personal non-business purpose.