Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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In the insurance world, ‘casualty’ refers to any damage or loss incurred as a result of an accident. This damage or loss can affect property – like someone’s vehicle – or a person – like another driver injured during a car accident.

Car insurance is a type of casualty insurance. A car insurance company is in the business of protecting policyholders against casualties. If your car is damaged in an accident, then your insurer will cover the costs of repairing your vehicle to its pre-loss condition.

Liability insurance is also a type of casualty insurance. Liability insurance protects someone – like a vehicle owner – from liabilities incurred while driving. Just like you purchase property insurance to protect your possessions from financial loss, you can purchase liability insurance to protect yourself from legal liabilities to injured parties or damaged property.

Casualty insurance can also refer to many types of insurance, including employees’ insurance and property casualty insurance. Workers’ compensation is a type of casualty insurance, for example.

Overall, a casualty is any damage or loss to a person or thing, including any type of property, as a result of an accident. Casualty insurance, meanwhile, is any type of insurance that covers the loss of a person or thing as a result of an accident.