Liability insurance was developed to shift the burden of compensating third parties for damages caused during the use of civilization's benefits. As society evolved, individuals and businesses found it challenging to bear liability alone, leading to the emergence of liability insurance. Insurers play a crucial role in confirming the liability of the insured party and defending against unjust claims. In cases of insurance claims, insurers have the right to investigate and defend against third-party claims. This involvement is essential for accurate assessment of damages and prevention of insurance fraud.