Does liability insurance cover someone stealing your car?

Answer No, but it might cover someone stealing your car and using it to hurt someone, especially if you negligently permitted the theft. "Liability", in this sense, means ,"liable for damages if you are ... Read More »

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Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?

AnswerIt should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only "legal minimum". And I suppose there could be some situati... Read More »

Will your day care's liability insurance cover the amount your personnel insurance doesn't cover?

Umbrella policies are often written as "following form" which means it only provides coverage if your primary (i.e. homeowners policy) provides coverage. Ask your insurance agent if you need to add... Read More »

If you only have liability insurance and you cause an accident does your insurance cover fixing the other party's vehicle?

Answer Here in Canada we have NO-Fault where each insurer is responsible for their own insured. In that case, the other party's carrier would repair the vehicle, and then subrogate on your company.

If a new resident at an apartment building falls near an entrance and is injured does the apartment owners liability insurance cover expenses or is this considered your own home with no liability?

It really depends where one fell. If it was in your own apartment, that would be your problem. If you slipped & fell on their sidewalk or tripped in a pothole on the common grounds, you could fil... Read More »