Out-of-pocket Payment of Third-Party Claims.

Let’s say a customer gets hurt in a small fall on your property. Should you pay out-of-pocket for that person’s injuries rather than file an insurance claim?

The response is no.
For a certain something, wounds that appear to be minor at the hour of the mishap might become serious.

In like manner, a few wounds may not be obvious immediately. An individual whose vehicle you harmed in a car crash might foster whiplash a few hours or days after the accident.3

Furthermore, the ISO general risk structure denies any safeguarded from intentionally making an installment or causing any cost, other than for medical aid, without its assent.

Additionally, voluntary payments to third parties are prohibited by the ISO business auto policy.

Your insurer may deny coverage on the grounds that you violated a policy condition if you voluntarily pay someone and then try to get your money back by filing a claim.