§ 2411 Liability insurance.

If someone gets sued for negligence or doing something wrong, the other side usually can't tell the jury that the person has liability insurance. The idea is to keep the jury focused on whether the person actually did something wrong, not on whether an insurance company might pay for the damages. Courts worry that jurors might decide cases differently if they know insurance money is involved, so this information normally stays out of the trial.

There are some exceptions, though. If having insurance is actually part of what the case is about, that information can come in. It can also be used for other reasons that have nothing to do with proving fault, like showing who owns or controls something, who someone's employer is, or whether a witness might be biased. So while insurance usually can't be used to suggest a person was careless or at fault, it can be brought up when it serves one of these other legitimate purposes.