Under normal circumstances, insurance liability coverage doesn't pay for injuries arising out of criminal acts. For example, if you have been assaulted by a robber, their insurance coverage isn't likely to pay for your damages. However, there are a few exceptions in which insurance may pay for an injury stemming out of a criminal act. Here are examples of these exceptions:
Institutional Child Abuse
Child abuse is a crime whether it is perpetrated by an individual or an institution. If an individual commits child abuse, their insurance company isn't likely to pay the damages just as they wouldn't pay for damages arising out of other crimes. However, if the abuse is committed under an institutional setting, the institution's insurance coverage will pay for the damages. For example, when religious leaders are convicted of abusing children under their care, the religious institution will be expected to pay for the ensuing damages, and their insurance coverage is likely to pick up the bill.
The Crime Is One of Drunk Driving
Driving under the influence (DUI) of drugs and alcohol is a crime, and all motorists know this. As such, you would expect insurance companies to exclude coverage for drunk-driving accidents and rejects claims arising out of DUI accidents. However, car insurance coverage applies to DUI accidents just as they apply to other forms of car accidents.
Therefore, if you have been injured in a crash caused by an intoxicated driver, you have the right to be compensated by their car insurance company even if the driver has been convicted of the DUI. In fact, you can use the DUI conviction to prove that the driver is liable for your injuries and their insurance company should pay.
Crimes Occurring On Business Premises
In most jurisdictions, businesses are expected to secure their premises and prevent injuries to their visitors. This includes injuries arising out of criminal acts committed by third parties on the businesses' premises. As an injury victim, you will be required to prove that the business was or should have been aware of the risk of criminal acts but did not take appropriate measures to prevent it. There are many ways of doing this; for example, you can show that they did not provide adequate lighting for the parking lot and this allowed attackers to hide in the dark and pounce on you. If you succeed with your lawsuit, then the business' insurance coverage will settle your damages appropriately.
Therefore, don't shy away from filing an injury claim just because you think collecting the judgment will be difficult. Consult a law office like Palmetto Injury Lawyers to help you determine whether you can get your compensation if you win your case.