See the full video at https://youtu.be/zXxftSYktgg  Many people use the terms "accident" and "responsibility" as if they were synonymous. Non-life insurance, however, includes insurances that do not fall within the definition of liability insurance. "Accident insurance" is defined as an "agreement on damages due to a wide range of causes such as legal liability, theft, accident, damage to property and compensation to workers." Black & # 39; s Law Dictionary 871 (9th edition 2009).
Liability insurance is part of the non-life insurance area. An "accident" is an accidental injury, an unintentional event.
For each such damage, there is a law or legal principle that places the burden on the consequences on the finances of the initiator of the damage. To apply the ancient maximum law that "for every mistake there is a cure …" liability insurance exists to finance the cure.
Another element of non-life insurance is that it is limited to claims on non-insured persons. The ultimate problem with these insurances is the insured ̵
At one time, insurers were limited by law and their statutes were limited in terms of the type of insurance they could take out. Non-life insurance could only be taken out by non-life insurance companies. This is no longer the case and non-life insurance can be taken out by all insurers who are willing to do so with sufficient assets to perform.
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice of serving as an insurance consultant specializing in insurance coverage, insurance management, cheating and insurance fraud almost equally for insurance policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 52 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become insurance claims staff.
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