An insurance policy is a contract between you and your insurance company. As is the case with many contracts, it contains conditions which provide certain rights to either or both parties. One of those conditions clearly states that, upon acceptance of the policy, you give the insurance company the right to settle a claim. Liability issues can often be confusing.

For example, there are some people who believe that one cannot be held responsible for damage to another if one does not receive a traffic ticket. This is far from true. Accidents causing damage invoke civil law and may or may not involve criminal law. More often than not, civil law is the determining factor in whose insurance company pays for whom.

Please feel free to contact us to further discuss this important topic.