With Liability Insurance

With liability insurance

A) The insurer agrees to cover damages unless comparative negligence bars recovery.
B) The insurer agrees to pay, on behalf of the insured, damages the latter is obligated to pay to a third party because of his or her legal liability to the third person for committing a tort or other wrong.
C) The insurer can refuse to pay damages incurred by the insured if the latter's negligence is determined to be gross.