An auto is a wheeled motor automobile usually used for personal transportation. Most definitions of automobiles state that they are powered by internal combustion engines, usually sit on four wheels, transport one to eight persons, and primarily transport individuals rather than goods. A semi-automatic or fully automatic vehicle on the other hand is an automobile that is operated with the help of a driver or a gear shift. Some examples of full-sized automobiles would include SUVs, mini-vans, trucks, coupes, sedans, and minivans.
Automobiles provide coverage and protection to anyone who owns one. This type of personal auto insurance is usually referred to as private auto insurance. It does not provide coverage and protection to passengers or other individuals in the vehicle. In most states, you will need a special license and registration to drive an automobile. However, in some states, you can drive an automobile with no license or registration.
Personal auto insurance provides coverage for medical expenses. This could include both inpatient and outpatient care. It also covers lost wages if a person becomes unable to work because of an illness or injury sustained in an accident. The medical expenses also include all other inpatient and outpatient medical expenses that a patient may incur during his stay in a hospital. Personal auto insurance could also include additional benefits such as coverage for lost income if a motorist has to make a claim for his injuries or lost income due to a motor vehicle accident.
The third type of auto insurance coverage is liability coverage. This is provided by most states and is required if you are at fault in an accident. Liability coverage provides payment to the other driver, called the negligent party, if an accident occurs. It could also pay for any medical expenses that occur as a result of the accident. This would typically not be included in a motorist’s policy. If you are at fault in an accident, however, it could be offered as an additional benefit.
Bodily injury coverage is the fourth type of auto insurance coverage. This provides compensation for people who are injured in an auto accident because of another driver’s negligence or reckless behavior. In order to receive full compensation for someone who has been severely injured, a person must have been rendered unable to work as a result of the injury. Property damage is another aspect of bodily injury coverage that will cover property damage that occurs as a result of a collision between two vehicles.
Medical expenses coverage is the fifth and most important type of auto dealer insurance that you need to have. It does not provide coverage for injuries to other people or for property damage, but it does provide coverage for the repair or replacement of your car. This coverage will also provide coverage for the cost of medical treatment for these injuries. This will provide you with financial protection in the event that you need to pay for medical expenses that exceed the amount of money that you have available in your budget.
Car accident coverage, the sixth important type of coverage that auto dealers offer, provides the insurance necessary to handle legal suits that arise from an automobile accident. These lawsuits may result from a pedestrian being hit by a vehicle, a dog bite that was not reported, or even a mechanical defect that causes a vehicle to malfunction. If you get sued because of an auto accident, a good garage keeper’s liability policy will protect you against excessive litigation and keep you out of serious financial trouble. The legal fees can add up quickly, and a good policy can help you avoid having to go into debt to settle the claims against you.
The final category of coverage that auto dealers generally include is bodily injury and property damage. Bodily injury coverage provides protection for you and your family in the event that you are involved in a collision with another individual or a vehicle. Property damage is responsible for replacing your vehicle if it is damaged due to an auto accident. This type of coverage may also provide you with additional benefits, such as a rental car. This coverage differs from bodily injury in that it does not require you to file a claim in order to be protected. However, property damage is required by law as a prerequisite to the operation of some vehicle types, such as vans, trucks, and cars.