The Main Types of Liability Claims

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The Main Types of Liability Claims

Understanding Professional Liability: When Expert Advice Goes Wrong

Professional liability is the legal responsibility that experts bear when their work, advice, or services cause harm to a client. It exists because we rely on professionals—doctors, lawyers, accountants, architects, and financial advisors—to poss...

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The Main Types of Liability Claims

Understanding the Most Common Liability Claims

Liability claims are legal demands for compensation when someone is harmed due to another person’s or company’s actions or negligence. At its core, liability is about responsibility. When that responsibility is breached and causes damage, a claim...

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The Main Types of Liability Claims

What Employers Need to Know About Workers’ Compensation Liability

Workers’ compensation is a foundational and non-negotiable part of running a business with employees. It is a state-mandated insurance system that creates a straightforward trade-off. In exchange for providing this coverage, employers gain signific...

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The Main Types of Liability Claims

What You Need to Know About Car Accident Claims

A car accident claim is the process of getting money from the insurance company of the driver who caused the crash. This money is meant to cover your losses, which are called damages. The goal is to make you financially whole again, as if the acciden...

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The Main Types of Liability Claims

Understanding Product Liability: When Products Cause Harm

Product liability is the legal responsibility of manufacturers and sellers when a defective product they put into the marketplace causes injury or damage to a consumer. It is a fundamental area of consumer protection law, operating on the principle t...

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The Main Types of Liability Claims

How to File an Insurance Claim the Right Way

Filing an insurance claim is a process that demands attention to detail and prompt action. The goal is to get your claim paid without unnecessary delays or denials. To do that, you must understand the steps and follow them carefully. This is not abou...

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The Main Types of Liability Claims

Understanding Premises Liability: When Unsafe Property Causes Harm

Premises liability is the legal concept that holds property owners and occupiers responsible for injuries that occur on their land or buildings due to unsafe conditions. It is not a blanket guarantee of safety, but a requirement to act with reasonabl...

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The Main Types of Liability Claims

The Main Types of Liability Claims Facing Everyday Businesses

For any retail store or service business, the daily focus is on customers and operations. But beneath the surface of daily transactions lies a critical responsibility: keeping people and property safe. When that duty is breached, it leads to liabilit...

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The Main Types of Liability Claims

The Essential Evidence You Need to Gather for a Liability Claim

When something goes wrong and you believe someone else is at fault, your success hinges on the evidence. Think of evidence as the raw materials to build your case. Without it, you have only a story. With strong evidence, you have a credible claim. Th...

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The Main Types of Liability Claims

How to Get a Fair Settlement for Your Injury Claim

Getting fair compensation after an accident isn’t about luck or getting rich. It’s about being made whole for what you lost and what you will suffer. The process is a negotiation, not a magic trick. To settle your claim fairly, you need to unders...

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The Main Types of Liability Claims

What Is a Liability Claim?

A liability claim is a formal demand for compensation made by one party against another, asserting that the second party is legally responsible for causing harm or loss. At its core, it’s the process of holding someone accountable for their actions...

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The Main Types of Liability Claims

Understanding Defective Product Injury Claims

When a product you buy causes harm, the law provides a path to hold the responsible parties accountable. This area of law is called product liability, and it revolves around one core idea: companies have a duty to sell items that are safe for their i...

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FAQ

Frequently Asked Questions

This provision obligates your insurance company to provide and pay for your legal defense if a claim is made against you, even if the lawsuit is groundless. This is vital because legal defense costs can be enormous and are covered separately from your liability limits in most policies. It means you have expert legal support from the start. Ensure your policy includes this; without it, you could face devastating out-of-pocket legal bills before a settlement is even discussed.

These three numbers represent the maximum amounts your insurer will pay per accident. The first number (100) is for bodily injury per person, in thousands. The second (300) is the total bodily injury limit for all people hurt. The third (50) is for property damage you cause to others, like their car or a fence. Using 100/300/50, your insurer pays up to $100,000 per injured person, max $300,000 total for all injuries, and up to $50,000 for all damaged property.

Record the exact date, time, and full location. Photograph all damage, injuries, and the overall scene from multiple angles. Get names and contact information for everyone involved and any witnesses. Note weather and road conditions. Write a brief, factual summary of what happened while it’s fresh. This comprehensive documentation creates an undeniable foundation for your claim.

Auto liability refers to the legal responsibility of a driver who causes a car accident. The at-fault driver (or their insurance company) is typically liable for damages they cause to others. This covers medical bills, lost wages, vehicle repairs, and pain and suffering for injured people in other vehicles, pedestrians, or cyclists. Most states require drivers to carry a minimum amount of liability insurance for this purpose. Determining who is “at fault” is central, often based on traffic laws and evidence from the crash scene.