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Lawsuits terms
The courtroom fights shaping coverage.
NegligenceFailing to use the care a reasonable person would use, causing harm to someone else; the legal basis for most car accident claims.Nuclear verdictA jury award far larger than the proven economic losses would suggest, most often defined as one over $10 million.Social inflationThe rise in insurance claim costs beyond general economic inflation, attributed to litigation trends, larger jury awards and broader legal theories.Statute of limitationsThe legal deadline for filing a lawsuit after a crash, set by each state and often different for injury and property damage claims.TortA civil wrong, such as careless driving, that injures someone and gives the injured person the right to sue for money damages.