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auto insurance meaning

Third-party Liability.This refers to the coverage provided by the insurance company to pay out liability claims against you. { bidder: 'appnexus', params: { placementId: '11654157' }}, "sign-out": "https://dictionary.cambridge.org/auth/signout?rid=READER_ID" To cover your own car, you should consider these optional coverages: Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. { bidder: 'openx', params: { unit: '539971079', delDomain: 'idm-d.openx.net' }}, { bidder: 'openx', params: { unit: '539971080', delDomain: 'idm-d.openx.net' }}, { bidder: 'openx', params: { unit: '539971063', delDomain: 'idm-d.openx.net' }}, { bidder: 'appnexus', params: { placementId: '11654157' }}, Who is covered by my auto insurance—and under what circumstances? ga('create', 'UA-31379-3',{cookieDomain:'dictionary.cambridge.org',siteSpeedSampleRate: 10}); Why does subrogation happen? iasLog("criterion : cdo_ptl = entry-mcp"); { bidder: 'sovrn', params: { tagid: '446381' }}, car insurance synonyms, car insurance pronunciation, car insurance translation, English dictionary definition of car insurance. { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_rightslot_flex' }}, dfpSlots['rightslot'] = googletag.defineSlot('/2863368/rightslot', [[300, 250]], 'ad_rightslot').defineSizeMapping(mapping_rightslot).setTargeting('sri', '0').setTargeting('vp', 'mid').setTargeting('hp', 'right').addService(googletag.pubads()); { bidder: 'appnexus', params: { placementId: '11654174' }}, { bidder: 'ix', params: { siteId: '195466', size: [728, 90] }}, googletag.pubads().setTargeting("sfr", "cdo_dict_english"); googletag.pubads().setTargeting("cdo_ptl", "entry-mcp"); { bidder: 'onemobile', params: { dcn: '8a9690ab01717182962182bb50ce0007', pos: 'cdo_topslot_mobile_flex' }}, When getting a car insurance quote, you’ll be asked about the class of use you need – that is, what you'll be using the car for. Most experts agree that the legally-mandated minimum coverage is not enough for many drivers. 'max': 30, All Rights Reserved. Explaining What A No-Fault State Designation Means and How It Works name: "identityLink", pbjsCfg = { A car insurance excess is the amount you pay when you want to make a claim. { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_rightslot' }}]}, var mapping_topslot_a = googletag.sizeMapping().addSize([746, 0], []).addSize([0, 550], [[300, 250]]).addSize([0, 0], [[300, 50], [320, 50], [320, 100]]).build(); var pbTabletSlots = [ { bidder: 'sovrn', params: { tagid: '387232' }}, { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_topslot_728x90' }}, initAdSlotRefresher(); The following list will, hopefully, be a help to you if you should have to be involved in an insurance discussion. } Actual cash value (ACV): The actual value of your vehicle, based on its current cost to replace it minus depreciation. { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; }; dfpSlots['topslot_b'] = googletag.defineSlot('/2863368/topslot', [[728, 90]], 'ad_topslot_b').defineSizeMapping(mapping_topslot_b).setTargeting('sri', '0').setTargeting('vp', 'top').setTargeting('hp', 'center').addService(googletag.pubads()); dfpSlots['btmslot_a'] = googletag.defineSlot('/2863368/btmslot', [[300, 250], 'fluid'], 'ad_btmslot_a').defineSizeMapping(mapping_btmslot_a).setTargeting('sri', '0').setTargeting('vp', 'btm').setTargeting('hp', 'center').addService(googletag.pubads()); Knowing what they mean is vital to selecting the right coverage for your needs. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. { bidder: 'appnexus', params: { placementId: '11654157' }}, { bidder: 'sovrn', params: { tagid: '346693' }}, }); Auto insurance provides coverage for: bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162050', zoneId: '776336', position: 'btf' }}, { bidder: 'ix', params: { siteId: '195464', size: [120, 600] }}, { bidder: 'openx', params: { unit: '539971081', delDomain: 'idm-d.openx.net' }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776130', position: 'btf' }}, type: "html5", iasLog("criterion : cdo_dc = english"); bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776156', position: 'atf' }}, The class of use tends to have a bearing on the risk perceived by insurers, and could affect the premium you pay. googletag.pubads().setTargeting("cdo_dc", "english"); { params: { {{#verifyErrors}} {{message}} {{/verifyErrors}} {{^verifyErrors}} {{#message}} Excesses mainly exist to deter people from claiming really small damages, or claiming things too often. © Copyright 2020, Insurance Information Institute, Inc. var pbHdSlots = [ You're responsible for your policy's stated deductible each time you file a claim. The termination of a home or auto insurance policy during the policy term. Car insurance definition: financial protection against loss as a result of an automobile accident or theft | Meaning, pronunciation, translations and examples 'increment': 1, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; Add the power of Cambridge Dictionary to your website using our free search box widgets. googletag.pubads().setTargeting("cdo_l", "en"); While most basic, legally mandated auto insurance covers the damage your car causes, it does notcover damage to your own car. { bidder: 'ix', params: { siteId: '195464', size: [300, 600] }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776130', position: 'btf' }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162050', zoneId: '776336', position: 'btf' }}, } Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services. By applying for coverage, you’re agreeing to pay an auto insurance premium to the insurance company. var pbMobileLrSlots = [ { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_Billboard' }}, { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, userSync: { name: "_pubcid", { bidder: 'ix', params: { siteId: '195467', size: [320, 50] }}, pbjs.que = pbjs.que || []; bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162050', zoneId: '776358', position: 'atf' }}, Personal auto insurance will also not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. {code: 'ad_leftslot', pubstack: { adUnitName: 'cdo_leftslot', adUnitPath: '/2863368/leftslot' }, mediaTypes: { banner: { sizes: [[120, 600], [160, 600], [300, 600]] } }, { bidder: 'openx', params: { unit: '539971063', delDomain: 'idm-d.openx.net' }}, An expert at Policygenius can help you figure out whether stacked insurance is an option for you. {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250], [320, 50], [300, 50]] } }, Comprehensive insurance would cover your vehicle if it … googletag.pubads().addEventListener('slotRenderEnded', function(event) { if (!event.isEmpty && event.slot.renderCallback) { event.slot.renderCallback(event); } }); name: "idl_env", The word in the example sentence does not match the entry word. An insurance company can only cancel an insurance policy for reasons stated in the policy and permitted under the law of the state in which the policyholder resides. storage: { var mapping_btmslot_a = googletag.sizeMapping().addSize([746, 0], [[300, 250], 'fluid']).addSize([0, 0], [[300, 250], [320, 50], [300, 50], 'fluid']).build(); type: "cookie", { bidder: 'ix', params: { siteId: '195451', size: [300, 250] }}, addPrebidAdUnits(pbAdUnits); { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, 'max': 3, { bidder: 'openx', params: { unit: '539971080', delDomain: 'idm-d.openx.net' }}, { bidder: 'appnexus', params: { placementId: '11654208' }}, { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_btmslot_300x250' }}, { bidder: 'appnexus', params: { placementId: '11654149' }}, This is the maximum amount that your insurer will pay out … { bidder: 'appnexus', params: { placementId: '11653860' }}, { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_leftslot_160x600' }}, What do the numbers 25/50/25 in auto insurance mean? },{ 'cap': true { bidder: 'ix', params: { siteId: '195465', size: [300, 250] }}, Almost all of us buy car insurance, but it has provisions that most people know little about. { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. var mapping_houseslot_a = googletag.sizeMapping().addSize([963, 0], [300, 250]).addSize([0, 0], []).build(); Most jurisdictions relate insurance to both the car and the driver; however, the degree of each varies greatly. Car insurance is required in nearly every state in the U.S. (New Hampshire being the notable exception). { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, { bidder: 'appnexus', params: { placementId: '11654156' }}, dfpSlots['topslot_a'] = googletag.defineSlot('/2863368/topslot', [], 'ad_topslot_a').defineSizeMapping(mapping_topslot_a).setTargeting('sri', '0').setTargeting('vp', 'top').setTargeting('hp', 'center').addService(googletag.pubads()); Liability, as the word implies, pays for damages for which you are found liable. 'buckets': [{ { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_btmslot_300x250' }}, Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. { bidder: 'ix', params: { siteId: '195464', size: [160, 600] }}, auto insurance definition: → car insurance. You may feel like you need a translator. { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_rightslot_flex' }}, }] Accidental Death and Dismemberment Coverage: Insurance coverage that pays a certain sum — up to policy limits — for accidental death and specific injuries. Understanding auto insurance—the basics. // FIXME: (temporary) - send ad requests only if PlusPopup is not shown pbjs.setConfig(pbjsCfg); { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_rightslot' }}, car insurance definition: insurance for loss of or damage to cars, or for injury to people travelling in cars: . googletag.cmd.push(function() { Learn more. 'increment': 0.5, 'min': 3.05, var pbAdUnits = getPrebidSlots(curResolution); Only certain states allow you to stack UM/UIM coverage. }], googletag.pubads().collapseEmptyDivs(false); { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_btmslot' }}, { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, A policyholder's request for reimbursement from an insurance company for a loss of property. var pbDesktopSlots = [ name: "unifiedId", It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas. 'increment': 0.01, Next steps: Check out this handy infographic on the types of required and optional drivers insurance coverages. var mapping_houseslot_b = googletag.sizeMapping().addSize([963, 0], []).addSize([0, 0], [300, 250]).build(); { bidder: 'openx', params: { unit: '539971065', delDomain: 'idm-d.openx.net' }}, Additionally, insurers in California, Hawaii, and Massachusetts are legally banned from taking credit information into an account. Basic personal auto insurance is mandated by most U.S. states, and laws vary. If you are in an accident and it is determined you are not at fault, the at-fault driver's insurer, also known as a "Third Party Carrier" (TPC), would help pay the repair costs and medical bills. ga('require', 'displayfeatures'); If you hit a groundhog, squirrel, moose or even hit a deer with your car, hitting an animal is covered by the comprehensive coverage of your auto policy. { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, iasLog("criterion : cdo_pc = dictionary"); iasLog("criterion : cdo_ei = auto-insurance"); { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, When it comes to your auto coverage you will run into a lot of terms that describe the various parts of a policy. if(!isPlusPopupShown()) Claim. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776160', position: 'atf' }}, { bidder: 'sovrn', params: { tagid: '387233' }}, {code: 'ad_topslot_a', pubstack: { adUnitName: 'cdo_topslot', adUnitPath: '/2863368/topslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, How much auto liability insurance should you buy? { bidder: 'ix', params: { siteId: '195451', size: [320, 50] }}, { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_rightslot' }}, expires: 60 googletag.cmd.push(function() { {code: 'ad_rightslot', pubstack: { adUnitName: 'cdo_rightslot', adUnitPath: '/2863368/rightslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, var pbMobileHrSlots = [ { bidder: 'ix', params: { siteId: '195451', size: [320, 50] }}, { bidder: 'sovrn', params: { tagid: '346693' }}, }, { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_Billboard' }}, { bidder: 'openx', params: { unit: '539971080', delDomain: 'idm-d.openx.net' }}, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_topslot' }}]}, googletag.pubads().disableInitialLoad(); iasLog("criterion : sfr = cdo_dict_english"); One confusing part of auto insurance comprehensive coverage which is unlike all the rest of the insured perils under comprehensive insurance is the coverage for hitting an animal. },{ Although auto insurance scores are important, every insurer uses them slightly differently, meaning that you should take the exact number with a grain of salt. iasLog("setting page_url: - https://dictionary.cambridge.org/dictionary/english/auto-insurance"); ga('set', 'dimension2', "entry"); "Full coverage" is a commonly used term among auto insurance buyers. "sign-in": "https://dictionary.cambridge.org/auth/signin?rid=READER_ID", { bidder: 'ix', params: { siteId: '195466', size: [728, 90] }}, "authorization": "https://dictionary.cambridge.org/auth/info?rid=READER_ID&url=CANONICAL_URL&ref=DOCUMENT_REFERRER&type=&v1=&v2=&v3=&v4=english&_=RANDOM", { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, "authorizationFallbackResponse": { { bidder: 'ix', params: { siteId: '195465', size: [300, 250] }}, { bidder: 'appnexus', params: { placementId: '11654208' }}, 'increment': 0.05, 'max': 36, name: "pbjs-unifiedid", What are the options? googletag.pubads().setTargeting('cdo_alc_pr', pl_p.split(",")); googletag.pubads().setTargeting("cdo_pc", "dictionary"); { bidder: 'appnexus', params: { placementId: '11654149' }}, userIds: [{ bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776130', position: 'btf' }}, Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. syncDelay: 3000 Stacked car insurance isn’t an option in every state. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776156', position: 'atf' }}, { bidder: 'ix', params: { siteId: '195467', size: [320, 100] }}, pbjs.que.push(function() { Learn how car insurance works and what types of coverage are available. { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, { bidder: 'appnexus', params: { placementId: '11654156' }}, }); Liberty Mutual – Pay-per-mile car insurance equals great savings. params: { { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, { bidder: 'ix', params: { siteId: '195451', size: [300, 250] }}, Nearly every state requires car owners to carry: In addition, many states require that you carry: Even if PIP and uninsured motorist coverage are optional in your state, consider adding them to your policy for greater financial protection. }; bidderSequence: "fixed" { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_btmslot' }}, partner: "uarus31" 'cap': true { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_leftslot' }}, In many jurisdictions, it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. var mapping_topslot_b = googletag.sizeMapping().addSize([746, 0], [[728, 90]]).addSize([0, 0], []).build(); 1. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Your policy also provides coverage if someone who is not on your policy is driving your car with your consent. 'cap': true googletag.pubads().setTargeting("cdo_pt", "entry"); dfpSlots['houseslot_b'] = googletag.defineSlot('/2863368/houseslot', [], 'ad_houseslot_b').defineSizeMapping(mapping_houseslot_b).setTargeting('sri', '0').setTargeting('vp', 'btm').setTargeting('hp', 'center').setCategoryExclusion('house').addService(googletag.pubads()); Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. }, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_leftslot' }}]}, { bidder: 'openx', params: { unit: '539971079', delDomain: 'idm-d.openx.net' }}, { bidder: 'appnexus', params: { placementId: '11654156' }}, }, iasLog("criterion : cdo_pt = entry"); window.ga=window.ga||function(){(ga.q=ga.q||[]).push(arguments)};ga.l=+new Date;

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