What is Debt Liability?
In fault liability, a person is liable for damages caused by their own actions. With fault, people often think it is always intentional, but this is certainly not always the case. For example, someone may do something by accident, such as knocking over a glass at on the neighbor's carpet. Even though this was not intentional, one is at fault. Damage can also occur because someone is careless or even negligent. Torts liability is a form of liability where you yourself are at fault and something is to blame.
Examples showing that liability insurance is important:
Knocking over a vase
Suppose you are visiting your aunt. On a pillar she has an antique vase, a family heirloom. In your enthusiasm, you wave your arms and throw the vase off the pillar. In addition to leaving your aunt inconsolable, this also damages several thousand dollars.
Tripping and scratching your car
You bought new pumps with a nice high heel. You are wearing them for the first time, but it is raining very hard today. Suddenly you trip and your umbrella scratches a parked car. The side of the car in question has to be completely repainted to repair the damage.
Example of strict liability as parents
If you have children, then as a parent you can be held liable for damages caused by your children (up to a certain age). Suppose your 5-year-old child goes to play at a friend's house for an afternoon and accidentally knocks over a very expensive vase. Even if you did not cause this damage yourself, as the parent of your child, you can be held responsible for this damage. Read more about family liability insurance here .
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What is the difference between strict liability and fault-based liability?
Strict liability is a form of liability (something is being charged to you), without any fault on your part and without any fault on your part. By law, this form of liability applies to, for example, parents, employers, homeowners and pet owners. These are the cases that you, as an individual, will have to deal with the most. In what situations is liability insurance important?
Example of strict liability as a dog owner:
If you have a dog, then you can be held liable as a dog owner if damage has occurred when your dog breaks something or bites someone. Read more about liability and pets.
Does a liability insurance cover both types of liability?
In most cases, both fault and strict liability are covered on liability insurance. Of course, it's important that you choose the right coverage, namely family coverage when you have a family and not coverage for singles.
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