Our liability insurance not only protects you from damages you've accidentally caused to a third party or their property, but it also offers protection from unfair claims made against you.
The policy includes "passive legal assistance," providing coverage when you're accused of causing harm or damage to someone else or their property, helping you navigate legal situations.
Here's how it works:
Passive coverage
This is protection when someone else makes a claim with their insurance or brings a lawsuit against you for damages or injuries. It's called "passive coverage" because you're not actively seeking legal action but responding to a claim made against you.
Legal Assistance
The policy helps cover the costs associated with legal proceedings, such as lawyer fees, court expenses, or settlements if you're found liable for the damages.
Let's say you're riding your bike in traffic, and, even though you didn't actually touch any cars, a driver claims you scratched their vehicle. They report this to their car insurance, seeking compensation for damages they believe you caused. Suddenly, you're faced with a big bill for something you didn't do. In this situation, your personal liability insurance with passive legal assistance can step in to cover the costs of defending yourself in court or settling the claim.
The legal support in this insurance policy specifically applies when claims are formally lodged with an insurance company or when a lawsuit is initiated against you. Unfortunately, this coverage can't help in disputes where no formal action has been taken.