Thiệt hại & Trách nhiệmCâu 418 / 531
In a liability policy, the coverage that responds to bodily injury or property damage the insured becomes legally obligated to pay is triggered by:
a.Legal liability of the insured to a third party
b.Medical expenses the insured incurs personally
c.Any loss the insured reports, whether liable or not
d.Damage to property the insured owns or rents
Giải thích
Liability (third-party) coverage responds when the insured is legally obligated to pay damages to another party for bodily injury or property damage, and it typically includes the cost of the insured's legal defense. It does not pay for the insured's own property or injuries, which are first-party coverages. The legal obligation, usually arising from negligence, is what triggers the coverage.
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Câu hỏi liên quan cùng chủ đề
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