Do You Know If Your Insurance Covers Negligence

Types of Insurance and Negligence Coverage

Most insurance policies, whether they are auto, home, or liability insurance, include some form of coverage for negligence. However, the extent of this coverage can vary widely depending on the specifics of your policy and the laws in your jurisdiction. For instance, auto insurance typically covers negligence in accidents, but the limits may depend on whether you hold a comprehensive or liability-only policy. Homeowner's insurance may cover negligence if a guest is injured on your property, but intentional acts are generally excluded.