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What is the difference between Public liability & Personal Accident Insurance?

April 26, 2017Accident difference Insurance liability public

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What is the difference between Public liability & Personal Accident Insurance?

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For the Public Liability Insurance to respond to a claim there needs to be an element of ‘blame’ attached to the incident. The insurance protects the person who caused the injury/property damage against legal claims for negligence. With Personal Accident insurance the cover is there in the event of a complete accident (no blame) and pays a limited capital sum to the insured injured person.