Frequently asked questions about Liability Insurance :
WITH LIABILITY INSURANCE YOU ARE INSURED IF YOU ARE LIABLE FOR DAMAGES ACCORDING TO THE LAW. FOR EXAMPLE, IF YOU RIDE INTO A PARKED CAR, YOUR CAT THROWS OVER AN EXPENSIVE VASE OR YOUR CHILDREN SHOOT A BALL THROUGH THE NEIGHBOR'S WINDOW. BUT ALSO IF YOU, YOUR CHILD OR PET INJURE SOMEONE. NOT EVERY DAMAGE IS INSURED. CONSIDER INTENTIONAL DAMAGE OR DAMAGE CAUSED BY A MOTOR VEHICLE . RENTED ITEMS ARE ALSO NOT COVERED BY YOUR LIABILITY INSURANCE . FOR EXAMPLE IF YOU RENT A SANDING MACHINE FOR THAT PAINT JOB IN THE HOUSE. OR IF YOU RENT A PARTY TENT FOR A GARDEN PARTY.
WITH LIABILITY INSURANCE , YOU, YOUR ACCOMMODATIONS AND PETS ARE WELL INSURED. DO YOU ALSO WANT TO INSURED YOUR FAMILY MEMBERS, OTHER ROOMMATE AND CHILDREN LIVING AWAY? WHICH CAN. WHEN YOU TAKE OUT YOUR LIABILITY INSURANCE , YOU CAN THEN CHOOSE FAMILY COVERAGE. IF THEY CAUSE DAMAGE, IT WILL ALSO BE COVERED. A COMFORTING THOUGHT, RIGHT? EVEN IF, FOR EXAMPLE, YOUR PARENTS (IN-LAW) LIVE WITH YOU, THEY ARE FAMILY MEMBERS. AND ARE YOUR (STEP OR FOSTER) CHILDREN UNMARRIED AND ARE THEY GOING TO LIVE SOMEWHERE ELSE TEMPORARILY FOR A DAY STUDY? THEN THEY JUST REMAIN INSURED.
Liability insurance reimburses the damage you cause to other people's belongings. Like the television that slips out of your hands during a friend's move. Or your child who cycles into the neighbor's car. Or if someone else is injured through your fault.
Liability insurance for private individuals (AVP) covers damage that you or one of your family members causes to someone else when you are not driving a car or other motor vehicle . This applies to damage to property and persons (personal injury).
You take liability insurance because you want to protect yourself and your family against the risk of liability. You can be held responsible if someone is injured through your fault. But also if you accidentally damage other people's property. Resulting in a claim for damages.
The liability insurance does not provide coverage for: damage to rented items. damage that you have caused intentionally. damage occurred during your work.
Liability insurance is part of the housing package. Buildings, contents, liability and possibly legal assistance insured in one package. No discussions between insurers about which insurance covers .
In the Netherlands, taking out liability insurance is not mandatory. But it is wise to do this. Accidents can happen, especially with small children or pets. The costs for compensating the damage can then be quite high.
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