Legal Liability

Absolute Liability
Absolute liability, also known as strict liability, refers to a type of liability where a party can be held responsible for damages or injuries without proof of fault or negligence. This legal principle is often applied when actions are deemed contrary to public policy, regardless of intent.
Automobile Liability Insurance
Automobile liability insurance provides coverage for bodily injury or property damage for which the insured is legally liable due to an automobile accident. It is a fundamental aspect of auto insurance policies, ensuring financial responsibility for harm caused to others.
Bailee's Customers Insurance
Bailee's Customers Insurance provides coverage for legal liability resulting from damage or destruction of bailor's property while under bailee's temporary care, custody, and control. It includes property on or in transit to and from the bailee's premises.
Contributory Negligence
A principle of law recognizing that injured persons may have contributed to their own injury. This concept can significantly impact the ability to recover damages in personal injury cases.
Dram Shop Act
A state law stating the liabilities of tavernkeepers serving alcoholic beverages to intoxicated patrons, identifying the creation of unreasonable risk of harm and resulting in charges of negligent conduct and legal liability.
Liability, Legal
Legal liability refers to obligations and responsibilities that are subject to evaluation, interpretation, and enforcement in a court of law. Casualty insurance provides coverage for an insured against civil legal liability suits, but not for criminal legal liability, intentional torts, or liability for breach of contract.
Motor Truck Cargo Insurance
Motor Truck Cargo Insurance provides protection for motor truck carriers against legal liability for damage, destruction, or other loss of the customer's property being shipped, as required under the Motor Carrier Act of 1935.
Nonperformance
Nonperformance refers to the failure to do something that one was legally bound to do. The nonperforming party is liable for damages or actions requiring specific performance.
Personal Injury
Personal injury encompasses various types of wrongful conduct causing harm to an individual, including false arrest, invasion of privacy, libel, slander, defamation of character, and bodily injury. Unlike property damage or destruction, personal injury pertains directly to harm inflicted upon a person.
Tort
A tort is a wrongful act or an infringement upon someone's rights that is neither a crime nor a breach of contract, rendering the perpetrator liable to the victim for damages.

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