Injuries caused by negligence are often covered by liability insurance. People and businesses typically purchase liability insurance to protect them from claims arising from their negligence. The law in most states requires that certain minimum amounts of liability insurance be carried by owners and drivers of automobiles. Failure to carry sufficient liability insurance coverage can result in the loss of license privileges in most states. Homeowners and property owners regularly carry liability insurance to protect them from claims for injuries that occur on their premises. Professionals, such as doctors, lawyers, accountants, architects, and engineers regularly carry liability insurance to cover them for any damages caused by their professional negligence. If you have suffered an injury due to someone else's negligence, you should contact an attorney who practices personal injury law. There may be an insurance policy in effect that would provide coverage for your situation. It is important to realize that claims for injuries or damages are barred after a certain period of time has passed.