What type of insurance would typically not cover losses due to negligence?

What type of insurance would typically not cover losses due to negligence?

• A. Casualty insurance
• B. Property insurance
• C. Liability insurance
• D. Health insurance

Answer: (D)

Health insurance is primarily designed to cover the costs associated with medical care, including hospitalization, physician visits, and prescription medications. It does not inherently address liability for actions that lead to negligent harm or property damage. In the context of coverage, health insurance focuses on the expenses incurred by the policyholder for healthcare services rather than providing financial protection against lawsuits or claims stemming from negligent behavior. Casualty insurance, property insurance, and liability insurance all play a role in providing various levels of coverage related to negligence. For example, liability insurance specifically addresses claims made against an individual or entity for negligence that causes harm to others or damages to property. Similarly, casualty insurance can include liability coverage for accidents, while property insurance covers damage to physical assets but may include liability aspects when a third party is affected by a covered incident.

Health insurance is primarily designed to cover the costs associated with medical care, including hospitalization, physician visits, and prescription medications. It does not inherently address liability for actions that lead to negligent harm or property damage. In the context of coverage, health insurance focuses on the expenses incurred by the policyholder for healthcare services rather than providing financial protection against lawsuits or claims stemming from negligent behavior.

Casualty insurance, property insurance, and liability insurance all play a role in providing various levels of coverage related to negligence. For example, liability insurance specifically addresses claims made against an individual or entity for negligence that causes harm to others or damages to property. Similarly, casualty insurance can include liability coverage for accidents, while property insurance covers damage to physical assets but may include liability aspects when a third party is affected by a covered incident.