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Define each and explain the difference between physical loss of property and loss through liability.
Weegy: One court has held that a direct physical loss “contemplates an actual change in insured property then in a satisfactory state, [ occasioned by accident or other fortuitous event directly upon the property causing it to become unsatisfactory for future use or requiring that repairs be made to make it so. Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made,[1] the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial. ] (More)
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Expert Answered
Asked 9/7/2013 3:21:05 PM
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A check involves three parties. The person directed to receive the money is called
Weegy: A check involves three parties. The person directed to receive the money is called the PAYEE. [smile] (More)
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Asked 9/13/2013 7:50:52 PM
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The most important investment prerequisites are __________. (Points : 2) adequate income and savings adequate income and insurance adequate insurance and liquidity an investment plan and professional advice
Weegy: The most important investment prerequisites are adequate insurance and liquidity. (More)
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Asked 9/15/2013 1:41:39 PM
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