Personal Liability: What Is It?
If your carelessness results in another person losing money or damaging their property, you are personally responsible. You will be held accountable for their loss, even if unintentional. Thus, your legal obligation to the harmed party is personal liability. Any harm or injury brought on to a third party is also included in this damage.
For instance, Your luggage unintentionally lands on an older woman’s foot at the airport. Sadly, she becomes unbalanced and breaks her arm as a result. In this circumstance, she can easily sue you for negligently causing her bodily harm. You must pay a set amount determined by the court or the relevant authorities to compensate for the losses.
Personal Liability In Travel Insurance: Definition
Accidents occur unexpectedly. Even on vacation, it’s possible to harm someone or damage someone else’s property inadvertently. Unfortunately, this does not absolve us of our error or the harm done to the other person. We would need to reimburse them for their loss. You can unintentionally harm someone else’s property or body while travelling. This is typically a stranger who is not a member of your family or who is on your trip.
A personal liability is helpful in this situation. If you become legally liable to someone, single-trip travel insurance online plans with personal liability coverage can help you avoid a lot of heartache and expense. Let’s examine how.
Benefits Of Personal Liability: Considerations
Suppose you are ultimately found liable to a third party under your personal or legal liability coverage. In that case, your insurer will pay those costs up to the predetermined sum insured or limit. There are some considerations to make, though:
- If you travel with family or young children, you may be held personally responsible for any damage they cause. To prevent this, purchase family health insurance for overseas travel with personal liability coverage.*
- If you intentionally cause harm to another person by acting out of anger, attacking someone, provocation, etc., you may be held personally responsible.*
- If a third party claims against you, you must prove your innocence. Your insurer will only provide international health insurance coverage if you haven’t intentionally damaged anything.*
- Your travel insurance online provider frequently represents you. By coming to a mutual understanding, they can also avoid formal proceedings.*
- Your flight insurance company will deal with any out-of-court settlements directly.*
- You may pursue these legal actions if you decide to take the legal route or believe your insurer has yet to reach the ideal settlement. You might not, however, be paid the total amount plus any additional costs.*
- Always keep in mind that this benefit has numerous exclusions. You will not be eligible for this benefit if you transmit any diseases, illegal activity, or purposeful/illegal behaviour.*
- Your personal liability insurance won’t cover any damage that your pets or animals cause while you’re travelling.*
Get insured anytime, anywhere! Check out the Bajaj Allianz General Insurance website to learn more and download the app now.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
