South Carolina Car Accident Attorneys

Questions and answers about car accidents and insurance

What does liability insurance cover and not cover?

Liability car insurance doesn’t cover damages to you or your vehicle after an accident. If you want your insurer to cover these damages, you’ll need collision and medical coverage. The exception is no-fault states, in which your liability policy will cover personal injury expenses.

What types of items will your liability insurance cover?

The three things covered by general liability insurance
  • Bodily injury. If someone is accidentally injured or hurt in a way that is connected to your business, you could be required to pay their medical costs.
  • Property damage. This is the most common issue covered by general liability insurance.
  • Personal injury.

What is liability only coverage?

Simply put, liability-only car insurance is a type of policy that only provides coverage for damages you cause, not damages you sustain.

Does liability insurance have a deductible?

There are no deductibles for liability insurance, the coverage that pays the other person when you cause an accident. Car insurance deductibles apply to each accident you’re in.

What does liability insurance cover and not cover? – Related Questions

What is the most common liability insurance?

Bodily injury liability coverage (BI) is the most common type of auto insurance because it’s required in almost every state. It covers you in the event you cause an accident that injures or kills others.

Does general liability cover my equipment?

General Liability policies cover third-party claims against you – when you cause damage to someone else’s property or injure someone else due to your negligence. It does not cover damage to your own equipment or personal property and it does not cover injuries to yourself or people working or volunteering for you.

What does liability insurance not cover in the event of an accident Everfi?

Insurance that will cover injuries to yourself in the event of an accident. What does liability insurance not cover in the event of an accident? insurance that will pay for injury to another driver and/or damage to their car if you are in an accident.

What is an example of the types of damages covered by liability insurance quizlet?

Bodily injury liability expenses include medical bills, lost wages, mental anguish, pain and suffering, etc.

What are the two types of compensatory damage?

There are two types of compensatory damages—general and actual. Actual damages are intended to provide funds to only replace what was lost. General compensatory damages awarded are more complex, as these compensatory damages do not represent a monetary expenditure.

Which of the following would not be covered under personal and advertising injury liability coverage?

correct-The supplemental extended reporting period can be purchased up to 60 days after the end of the policy term. Advertising Injury Coverage includes all of the following, except: Wrongful entry Advertising injury arises out of slander, libel, copyright infringement, or misappropriation of advertising ideas.

Which of the following is an example of special damages?

Examples of special damages include: the exact cost of medical bills; the exact amount of lost wages, the loss of an irreplaceable item; the costs of home care; the cost of domestic services; and the costs to repair or replace items of property.

What are vindictive damages?

3] Vindictive or Exemplary Damages

Breach of a promise to marry because it causes injury to his/her feelings. Wrongful dishonour of cheque by a banker because it causes loss of reputation and credibility.

What are the 5 types of damages?

There are six different types of damages: compensatory, incidental, consequential, nominal, liquidated, and (sometimes) punitive.

What are general damages?

General damages is the compensation for the injury itself which gives a person pain, suffering and a loss of ability to perform activities in the short or long-term. Inability to play sports or socialise with loved ones are examples of general damages. Causation is an important principle in any assessment of damages.

What can be claimed under general damages?

General damages is compensation awarded for pain, suffering and loss of amenity.

What can you claim as general damages?

General damages or non-pecuniary losses are those damages which cannot be mathematically assessed at the date of trial. The predominant head of general damages in personal injury claims is pain, suffering and loss of amenity although there are a number of other heads of general damages which must also be considered.

What are the two main categories of general damages?

The money awards (known as “damages”) available through the courts can be broken up into two main categories: pecuniary and non-pecuniary.

How do you calculate damages?

There is no specific formula to calculate damages as they are usually determined based on the actual expenses of the victim and compensation for their pain and anguish. Compensation should make the injured person “whole” again.

When can damages be claimed?

Section 73: Compensation for loss or damage caused by breach of contract: When a contract has been broken, the party who suffers by such breach is entitled to receive, from the party who has broken the contract, compensation for any loss or damage caused to him thereby, which naturally arose in the usual course of

What are the three types of damages?

Types of Damages
  • COMPENSATORY. Compensatory damages are generally the most identifiable and concrete type of damages.
  • GENERAL. General damages are sought in conjunction with compensatory damages.
  • PUNITIVE. Punitive damages are meant to punish a Defendant for particularly egregious conduct.

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