什么是个人责任pp王者电子官网?它包括哪些内容?

为什么要买个人责任pp王者电子官网?

The risk of legal liability is a fact of modern life It is perhaps the largest financial risk most individuals face. 常见的事件, 比如车祸, 或者邻居家的孩子在厨房地板上滑倒, 会导致诉讼, 损失赔偿数额巨大. Without liability insurance, most individuals and families could be faced with a financial disaster.

此外，州法律可能要求责任pp王者电子官网. 例如, 一些州有强制性的汽车责任pp王者电子官网法, requiring auto owners to maintain 汽车 liability insurance as a condition of licensing or use on public roadways. Other states require auto owners to show financial responsibility after an accident.

个人责任pp王者电子官网的来源

Liability insurance is designed to cover an insured for acts of negligence that create a legal obligation to a third party. 这种责任可以在个人生活的任何部分产生. 对很多人来说, liability insurance is acquired as part of the package policies purchased to protect major assets such as a home, 汽车, 或船舶. 典型的^[1] 保单提供以下责任pp王者电子官网.

• 房主的^[2] pp王者电子官网: Liability coverage under a homeowner's policy is provided in one of three sections:
  • 个人责任: These are payments the insured is legally obligated to make because of bodily injury or property damage.
  • 向他人支付的医疗费用: 这些是受伤的第三方的医疗费用.
  • 额外的pp王者电子官网: These cover certain expenses incurred by the insured in the event of bodily injury or property damage.

• 汽车pp王者电子官网: Liability coverage under an 汽车 policy is provided in one of two sections:
  • 汽车责任: These are payments the insured is legally obligated to make because of bodily injury or property damage due to an auto accident.
  • 医疗支付: 这些是因身体受伤而支付的医疗费或丧葬费.

• 船舶责任pp王者电子官网: Liability protection under a watercraft policy is typically provided in the protection and indemnity (P&我)部分. P&I包括以下保障:
  • 身体伤害: 这些是被pp王者电子官网人被要求支付的痛苦和折磨, 毁容, 丧失活动能力, 或者实际的医疗费用.
  • 财产损失: 赔偿他人财产的损坏或毁坏，包括失去使用. 视政策而定, 额外的医疗费用可能会有额外的pp王者电子官网, 码头工人和港口工人的赔偿, 以及对码头和码头的损害.

一个独立的, comprehensive personal liability (CPL) policy can be purchased by individuals who do not have homeowner's insurance. Liability coverage under the CPL parallels that provided in a typical homeowner's package.

保单条款

Standard policies specifically exclude liability arising from a number of activities or situations. 这样的排除限制了标准保单所涵盖的风险范围, 允许pp王者电子官网公司提供最普遍需要的保障, 以合理的成本. Policy coverage for these excluded risks can generally be added through an endorsement and payment of an additional premium or the purchase of a separate policy. 典型的责任pp王者电子官网条款包括:

• 商务及专业活动: 可以为某些职业增加pp王者电子官网范围.
• 船舶: 当然也有例外. 应考虑制定单独的船舶政策.
• 飞机: 应该考虑一个单独的飞机政策.
• 其他: 不包括, 等, 因战争造成人身伤害或财产损失的责任, 传染病, 性骚扰或性虐待, 受控物质, 工人补偿.

个人雨伞超额责任pp王者电子官网

个人保护伞超额责任pp王者电子官网 is designed to provide liability coverage for situations w在这里 potential liability could exceed the limits of the protection provided in a typical homeowner's, 汽车, 或船舶政策. 那些获得财富的人, 以及从事某些职业的个人, 经常面临这样的风险, 仅仅是因为他们被认为有能力支付. To meet such needs, an individual may want to consider an umbrella excess liability policy.

The term "umbrella"derives from the fact that such policies require an insured to have a base amount of liability coverage, 通常以指定策略的形式. In the event of a covered loss, reimbursement comes first from the base policies. Liability in excess of the limits of the base policies is then covered by the umbrella or excess policy, 在政策限制范围内.

总括性超额责任pp王者电子官网的承保范围有两个主要目标:

• 提供比其他保单更多的保障.
• 为了扩大保护范围，填补可能存在的覆盖缺口. Umbrella liability policies generally have fewer exclusions than other policies.

了解政策

An insurance policy is a written contract between the insured and the insurance company. The protection provided by the policy typically represents a significant part of an individual's overall risk management program. 因此, it is important for an insured individual to read and understand key policy provisions such as the following.

• pp王者电子官网单包括哪些损失? 基本pp王者电子官网可能无法提供必要的保障.
• 什么损失不包括在内? For an additional premium, perils or situations not covered can often be added to a policy.
• pp王者电子官网的限额是什么? This refers to the maximum dollar amount the insurance company will pay in the event of a covered loss.
• 留存量是多少? A retention is a dollar amount or percentage the insured must pay before the insurance company pays its portion of the loss.
• 万一发生损失，被pp王者电子官网人的责任是什么? pp王者电子官网单通常会列出发生损失时必须采取的步骤.

寻求专业指导

pp王者电子官网代理人及经纪人, pp王者电子官网顾问, and other trained financial consultants can help provide answers to detailed questions about a particular policy. These professionals are also helpful in selecting the right policy and the appropriate amount of coverage

^[1] The specific coverage and terms of a policy will vary from company to company and from state to state.

^[2] The liability coverage usually provided under a renter's or a condominium unit owner's policy is similar to that provided in a homeowner's policy.