General liability is a broad category of insurance that covers common business risks from everyday operations. It’s not for auto or professional errors. Instead, it typically covers third-party bodily injury (like a customer slipping in a store), third-party property damage (like damaging a client’s property), and personal/advertising injury (like libel or slander). It’s a foundational coverage for most businesses to protect against claims from customers, vendors, or the public for incidents that occur on business premises or from general business activities.

Physical evidence from the scene provides objective facts that help reconstruct the crash. This includes vehicle damage locations, skid marks, debris scatter patterns, traffic light sequences, and road conditions. Photos and videos are invaluable. This evidence can confirm or contradict driver statements. For instance, point of impact on the vehicles can prove who entered an intersection unlawfully. The more evidence collected, the clearer the picture of how the crash happened and who is responsible.

This is common. Your immediate documentation is key. Write down the exact time, what they said (e.g., “I’m okay, just startled”), and their observed behavior (e.g., “declined ambulance, walked to their car unassisted”). This creates a strong record that their initial reaction did not indicate serious injury. While people can discover injuries later, your contemporaneous notes provide crucial context and can challenge the severity or origin of claims made weeks or months after the incident.