Rule 411 Liability Insurance

If someone has liability insurance, that fact can't be used in court to suggest they were careless or did something wrong. For example, a lawyer can't tell the jury "the defendant had insurance, so they must have been negligent." Insurance coverage just doesn't prove fault one way or the other.

However, this information can still come into evidence for other reasons. If it helps show that a witness is biased (maybe they work for the insurance company), or if it helps prove who owns or controls something, it can be allowed. It can also be used in lawsuits brought directly against an insurance company under a specific Commonwealth law (4 CMC § 7502(e)). So the rule blocks one specific use of insurance evidence while still allowing it for other legitimate purposes.