There need not be negligence or some other basis for liability on the part of the insured for the insurer to pay out on the policy.

Name: There need not be negligence or some other basis for liability on the part of the insured for the insurer to pay out on the policy.
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Question

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Insurance policies typically require a basis for liability, such as negligence, for the insurer to pay out, unless the policy specifies otherwise, such as in no-fault insurance.

There Need Not Be Negligence or Some Other Basis for Liability