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You are being rather vague in your question so I can only offer a vague answer. If the incident is due to a covered cause insurance will cover the damage. That's all I can give you. An accident where the policyholder is responsible and where the incident was not intentional it is covered.

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Q: What exist when the damage occurs to someone else but in such a way that the policyholder is responsible?
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What exists when the damage occurs to someone else but in such a way that the policyholder is responsible?

You are being rather vague in your question so I can only offer a vague answer. If the incident is due to a covered cause insurance will cover the damage. That's all I can give you. An accident where the policyholder is responsible and where the incident was not intentional it is covered.


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