Liability Coverage is included with most insurance policies. Auto Insurance, Home Insurance, Business Insurance, Professional Liability, Cyber Liability. Liability is insurance helps pay for damages caused to someone or something. This essentially means that you are paying for damage that you were responsible in causing. The key piece to Liability Insurance is negligence. Negligence means something that you did or said that caused someone else this loss. That you were at fault.
Anyone can file a claim on your liability insurance, it does not mean that you were at fault or the insurance company is going to pay for the damages caused on your behalf.
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