What is covered under my liability insurance?

Liability insurance through New Jersey Manufacturers Insurance typically provides coverage for various situations where the insured may be held legally responsible for causing harm to others or damaging their property. This coverage generally includes bodily injury and property damage liability. If a person is injured due to an accident for which the insured is responsible, liability insurance may cover medical expenses, lost wages, and other related costs incurred by that individual. Property damage liability coverage helps pay for repairs or replacement of another person's property that may have been damaged due to the insured's actions, whether it involves a vehicle, building, or other forms of property. This insurance can also provide a legal defense if a lawsuit arises from an incident covered under the policy. It is important to note that while liability insurance is designed to protect against unforeseen accidents, there are usually specific exclusions. Common exclusions may include intentional acts, damage to one's own property, and certain types of legal liabilities that may fall outside the scope of standard liability coverage. For the most accurate and detailed information about liability coverage specific to an individual policy through New Jersey Manufacturers Insurance, it is advisable to review the policy documents or the current web page related to liability insurance. Understanding the specific terms and conditions of a policy is key to determining what is included and excluded from coverage.