Which of the following is NOT part of the legal liability?

The concept of legal liability is integral to understanding how negligence claims and tort law function. It typically consists of three main elements: duty owed, breach of duty, and proximate cause. Each of these elements must be established in a legal case to determine if a party is liable for damages.

Duty owed refers to the obligation that one party has to another to act in a certain way or to refrain from acting, essentially establishing a legal responsibility. Breach of duty occurs when a party fails to meet that obligation, and proximate cause links the breach of duty to the actual damages incurred, showing that the breach was a direct result of the injury or harm.

In contrast, coverage limits pertain to insurance policies and define the maximum amount an insurance provider will pay for a covered loss or claim. Coverage limits are more related to the financial aspects of insurance rather than the legal framework of liability. They do not form part of the foundational elements needed to establish whether a legal liability exists, which is why this option is distinct from the other elements that constitute legal liability.