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Learn about full and limited tort car insurance and if you can sue after an accident. ... The majority of states in the U.S. follow tort insurance law, meaning the party that was responsible for ...
Both full tort and limited tort coverage only apply in situations where the driver or passengers have been injured in an accident that is not the driver's fault. The victim then has the option of bringing charges against the at-fault driver to sue in court for unpaid medical bills, property damage, loss of income, pain, and suffering.
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
Public auto insurance is a government-owned and -operated system of compulsory automobile insurance used in the Canadian provinces of British Columbia, Saskatchewan, Manitoba, and Quebec. It is based on the idea that if motorists are compelled to purchase auto insurance by the government, the government ought to ensure motorists pay fair ...
Telematics car insurance programs offer discounts up to 40% for letting insurers monitor your driving habits through a plug-in device or smartphone app, but the savings come with important privacy ...
Myth #2: Red cars cost more to insure. One of the most persistent myths about auto insurance is that insurance companies charge more to insure red cars.
Louisiana, however, uses a tort system for auto insurance. This means that after an accident, the at-fault driver (or their insurance) typically pays for the injuries and property damage sustained ...
An early example of strict liability is the rule Rylands v Fletcher, where it was held that "any person who for his own purposes brings on his lands and collects and keeps there anything likely to do mischief if it escapes, must keep it in at his peril, and, if he does not do so, is prima facie answerable for all the damage which is the natural ...