Property insurance includes many types of insurance that handle damage or loss of property. The money that they would have made from normal business that they did not make because they had to shut down for a few days is loss of income. The extra expense due to the loss of the article. Extra expense would be the cost of renting the temporary building. Types of property insured include homes, businesses, electronic equipment, animals, sporting goods equipment, furniture, jewelry, clothing, furs, guns, etc.
Casualty insurance includes a variety of different insurance coverages.
You would be liable for the damage to Roberto's car. Liability coverage would assist in paying for the damage. To be liable a person must fail to use proper care. Sometimes it's difficult to decide if a person is negligent. No fence is around the pool or the yard.