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In most states automobile drivers are required to have liability insurance in order to drive a car. This way, if the driver is involved in an accident that damages the property of a third party or injures a third party the driver will be able to compensate that third party through their liability insurance company and their liability insurance policy. Many insurance companies sell automobile liability insurance some specialize in selling liability insurance to hard-to-insure drivers like those who have a DUI or DWUI on their record. Employers often take out liability insurance policies to protect them against claims filed by employees who are injured on the job. Some liability insurance companies sell employer liability policies. Many companies that manufacture products take out liability insurance polices in order to cover any costs incurred if someone is injured by the company's product and seeks compensation for this injury. Stores, restaurants and bars also sometimes take out liability insurance policies to protect them against customer's who sue over injuries sustained while at the bar, restaurant or store.
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