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I have been lightly researching this question for several years and am about to give it much more attention. The "exclusive remedy" laws were formulated in the early 20th century, and are antiquated by any standards. I have not found a state yet that does not have an "exclusive remedy" clause in their labor code. In other words, I believe all 50 states have this "escape from liability" for employers who carry workers compensation. However, not all states require employers to carry workers compensation. In these states the employers are able to "escape liability" if indeed they do carry workers compensation.
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What does property damage liability car insurance cover in an accident?
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
What does home renters insurance cover?
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.
Does home owner insurance cover damage to property that falls from a trailer being towed?
The property is covered by the owners insurance only. If your trailer hit their property, their own insurance must cover it. If your trailer hits your own building, then your insurance will cover it.
Does uninsured auto insurance cover property damage?
If you are uninsured then of course not.
Does homeowners insurance cover a vehicle if it got hailed on while on the property?
No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.
If you only have PL and PD car insurance what does it cover?
PL and PD car insurance stands for; public liability and property damage. The insurance will cover a loss to an individual, other than yourself, or damage to someone else's property.
Will homeowners cover damage to non owned golfcart if you damage it?
Homeowners insurance is coverage for specified property owned by the named insured. It does not cover the property of others.
Will renters insurance cover sewage pipe backup damage to personal property?
If your renters policy covers Sewer Backup then it will cover damage to personal property.
If a tree does property damage who is liable?
Mother Nature would be the liable party, Unfortunately, she does not carry insurance. If your property is insured, Then your property Insurance Policy will cover the cost of damage repairs.
Does renters insurance cover damage to others property?
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Will renters insurance pay if a car is hit on property?
No, Renters insurance is coverage specific to household property or contents owned by the named insured. It does not cover the property of others and it does not cover automobiles. Neither Renters insurance nor Homeowners insurance will cover damage to an automobile. That's what auto Insurance is for.
What happens if your property damage insurance is not enough to cover the claim?
You will be liable for the difference.
