Which of the following is not covered by personal liability insurance?
Intentional harm or damage: Injuries or damages you or a household member purposely cause to someone else are not covered. Your own injuries or damages: Personal liability coverage doesn't apply to accidental injuries or damages you cause to you or your family.
The personal liability coverage within your homeowners policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
The Personal Auto Policy may be used to insure all of the following, except: A motorcycle; A motorcycle would not be covered unless added by endorsement.
- General liability.
- Professional liability.
- Employer liability.
Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.
Injuries from a civil or foreign war: If the burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, hospitalization, etc.
- The accused had a duty, in most personal injury cases, to act in a way that did not cause you to become injured.
- The accused committed a breach of that duty.
- An injury occurred to you.
- The breach of duty was the proximate cause of your injury.
A Personal Accident Insurance Policy covers the loss of life, limb or general disablement caused due to an accident while travelling.
Personal lines insurance includes products such as homeowners insurance, flood insurance, earthquake insurance, renters insurance, automobile insurance, life insurance, disability insurance, umbrella insurance, and health insurance.
Types of Health Insurance Plans: HMO, PPO, HSA, Fee for Service, POS.