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This indirectly brings us to consider  one hidden values of insurance which is defense costs. Most personal insurance policies auto home and umbrella usually provide defense from others who bring suit against you. It of course has to relate to a coverage in the policy. So in the personal injury coverage it would need to relate to libel , slander and the like. But typically you do not have to buy separate defense costs it is usually just part of the policy and a very important feature at that. 

In the real world personal injury is usually something you can avoid by keeping out of other peoples business. Remember that the best defense to libel or slander is that the what you said or have written about someone else is completely true. If it is strictly your opinion or something you could never prove true, save your self the aggravation and don't say it or write it.
Posted 2:22 PM

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