Pays when an Insured person is legally liable for damage to the property of others caused by their vehicle or their operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued.
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The original Insured has no legal rights under the contract between the Insurer and his reinsurer. The Cut Through Clause is a condition which guarantees payment to the original Insured even though he is not a party to the reinsurance contract between the Insurer and the reinsurer.