WHAT IS LIABILITY INSURANCE, DO YOU NEED ONE?

  LIABILITY INSURANCE, DO YOU NEED ONE?

 Liability insurance is the most common of insurance. In fact, there are many insurance coverages for the house, car, health, etc. that protect civil liability. This insurance is translated as the one that protects you against damages that you may cause to third parties.

There are some types of liability insurance. These are five questions that can help you know if you need specific liability insurance.

Here we go!

1. Do you drive?

If you drive, it is mandatory that you have liability insurance. The commonly called "third party insurance" is this insurance and you must contract it in a mandatory way so that, in the event of causing an accident, even involuntarily, you can take charge, through your insurance, of the damages that occur. If you don't drive, you get rid of insurance and you need a good friend to take you everywhere.

If you have a vehicle, you have to take out liability insurance

2. Do you live for rent or do you own a house?

This one has a trap. Actually, it does not matter if you live in rent or in your house, you will do very well to have liability insurance.

If you live for rent, the renter's insurance will cover you if you cause damage to the property where you live, and that your landlord will claim you.

You live for rent or in your own home, you need home insurance with liability coverage

If you are the owner, the insurance will cover the damages that your tenants may cause to a third party. Finally, if you are an owner and you live in your own home, the civil liability insurance will cover you against the damages that you may cause to your neighbors, for example, if you leave the taps open.

You should know that neighboring communities also have this insurance in case the damage occurs in the community areas of the house.

3. What do you do?

There are professions that need civil liability insurance to be able to be exercised. This is the case of doctors, dentists, architects; Professions, therefore, that, in short, provide a service to a third party and that, if they go wrong, need protection that protects them.

If you are one of these professionals, you must take out liability insurance

4. Are there animals at home?

If you have a dog, it is good that you have pet insurance or, at least, civil liability insurance that protects you against damage that you may do to third parties; Your home contract may already cover it. It may unintentionally bite a neighbor or break something in the house. It is for these types of mishaps that it is good to have this protection.

If you have a dog, take out liability insurance.

Some breeds, especially dogs, considered in national or regional legislation as potentially dangerous, generate, by the mere possession of the animal, the obligation to have civil liability insurance. In these cases, then, the thing goes from recommended to mandatory.

5. Any hobby that requires being federated?

If you practice a sport that requires being federated, you will have civil liability insurance. There are sports such as football, mountaineering or climbing, athletics, cycling, and even hunting, which need a federation in a club. In the case of hunting, you need a license and compulsory civil liability insurance for your practice.

Whether you like the mountains, football, or hunting, you need civil liability insurance