Evidence of a party 's ownership of -- or lack of ownership of -- liability insurance is inadmissible to prove ( 1 ) negligence or ( 2 ) wrongful conduct .
Courts do not want to discourage parties from carrying such insurance .
Evidence of a party 's ownership of -- or lack of ownership of -- liability insurance is inadmissible to prove ( 1 ) negligence or ( 2 ) wrongful conduct because courts do not want to discourage parties from carrying such insurance .