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I'm sure negligence is covered under insurance, that's why Zurich made a claim of "cyber war", which is harder to prove than negligence. Also if negligence wasn
by zapdrive 8y ago
I'm sure negligence is covered under insurance, that's why Zurich made a claim of "cyber war", which is harder to prove than negligence. Also if negligence wasn't covered, almost everything can be claimed as negligence. For example, fire started due to electric short circuit: negligence, you should have got everything inspected every x months/years. Theft: negligence, you should have x number of security guards. You see where I'm going?
- thaumasiotes 8y agoIn my mind, the usual handling of negligence is that your insurance contract may specify steps that you're required to take in order for any eventual claim to be valid. For example, a policy insuring your car against theft may specify that you keep your car parked in the garage and not on the street. If your car is stolen off the street in front of your house, you're not going to get anything. Conceptually, such a clause represents you guaranteeing a particular standard of non-negligence in exchange for lower premiums.
- tomjen3 8y agoSure, but not in the right direction. They wouldn't have an argument for negligence because of a short circuit if you followed the official rules for inspections.