Determination of Coverage Table Graphic

Determination of Coverage Covered/with legal liability Not covered/with legal liability If a customer slips and falls in a store because the owner or employees did not clean up a spill, the adjuster can make a determination that the insured is legally liable. A policyholder may be held legally liable for a situation that is not covered by the policy, such as breach of contract or certain pollution losses. Covered/no legal liability Not covered/no legal liability There are certain coverages that require payment regardless of fault, such as medical payments or state-required no-fault coverage. The policyholder may not be legally liable and no coverage applies.

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