A personal automobile policy (PAP) provides comprehensive car insurance with multiple coverages, designed to replace the earlier Family Automobile Policy (FAP). It offers a wide range of protections including liability, medical payments, uninsured motorist coverage, comprehensive, collision, and several optional coverages.
Civil liability refers to negligent acts and/or omissions, other than breach of contract, independent of moral obligations for which a remedy can be provided in a court of law.
Payment to someone who has suffered harm, such as for loss of income, expenses incurred, property destroyed, or personal injury. These payments, except for personal injury damages, are generally taxable.
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.
Errors and Omissions (E&O) Liability Insurance is a type of professional liability insurance that protects professionals and companies from claims of negligence or inadequate work.
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.
Compensation awarded in excess of actual damages, serving as a punishment for the wrongdoer and reparations for the injured. Typically granted in cases of malicious and willful misconduct.
Uninsured Motorist Insurance is a form of automobile insurance that covers the policyholder and family members for injuries caused by a hit-and-run driver or an uninsured motorist, provided the at-fault driver carries no liability insurance.
