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Personal Injury actions under Puerto Rico law are governed under Article 1802 of the Civil Code of Puerto Rico, 31 Laws of Puerto Rico, 5141. Said disposition states that "a person who by an act or omission causes damage to another through fault or negligence shall be obliged to repair the damage so done".
All states have a time limit on how long you have to file a personal injury claim. In states like Florida, the time limit, called the Statute of Limitations, is four years, while in Puerto Rico, the time limit is one year, and the clock starts ticking when the injury occurs.
Personal liability insurance is about financial protection ? for you and your family. The personal liability coverage within your homeowners policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
When people are injured by others, they can seek what the law refers to as ?damages,? in the form of money, for such things as medical bills, lost wages or employment, physical and emotional pain and suffering, and, in some cases, to punish the abuser.
Personal Liability ? provides coverage for bodily injury and/or property damage sustained by others for which you or your family members are legally responsible. An example would be someone getting injured at your house from tripping on your steps.
In a personal injury or medical malpractice case, liability is an enforceable claim against another party's assets for damages caused by negligence or intentional misconduct.
Personal liability is a coverage included on your home/condo/renters policy which provides reimbursement related to the injury of others, or the damage of others' property. If someone is injured on your property and sues you for liability, personal liability covers medical expenses and any legal fees/settlements.
When someone is legally responsible for something and an accident happens because of negligence or a lack of care, then usually this person, organisation or business become liable for your accident and when a claim is made, they will be responsible for your compensation.