Legal bills to defend against the lawsuit
Damages that you must pay, either as part of an out of court settlement or as ordered by a jury
The insurance company will pay up to your policy limits for covered incidents. Coverage usually extends to injuries on the property as well as other related injuries, such as those that occur if your dog bites someone. However, intentional actions that result in a lawsuit usually aren't covered (for example, if you shoot someone on purpose on your property and are sued, then the insurance company won't generally defend you in that suit or pay your damages.)
To find out if the lawsuit you are facing is covered, it is a good idea to consult with an experienced personal injury attorney. Your lawyer can help you to determine what is likely to happen as far as insurance coverage in your particular situation.
