Jack and Leanne McLeonard have a house insurance package with cover that includes a $10 million liability policy. Jack was riding his bicycle recently and, without watching, rode off the footpath in front of a car. The car swerved to avoid him and hit an oncoming vehicle which, in turn, was pushed into three parked cars. The total amount of the damage to all vehicles was $50,000. The motorists and their insurers are holding Jack responsible for all the damage and seeking payment of the $50,000 from him.

What type of liability cover would Jack need to have in order to be covered for this accident? 

Would this accident fall within the scope of that cover? 

 

Geraldine parked her car illegally in a no parking zone in the street outside her house. Driving down the street, another motorist, Margaret, hit Geraldine's car and pushed it into a neighbour's yard, destroying the neighbour's front bedroom. Margaret's and Geraldine's cars are both extensively damaged. Geraldine has a third-party fire and theft policy.

Would this policy provide cover for the damage to Geraldine's vehicle? 

If the answer in part  is 'yes', then what conditions would need to be met in order for Geraldine to be able to make the claim? 

Who is responsible for the damage to Margaret's car and the neighbour's bedroom?