Automobile insurance is a type of insurance policy that covers financial losses related to owning and operating a motor vehicle, such as damage or theft of the vehicle, liability for injury or damage caused to other people or property, and medical expenses incurred in the event of an accident.

Automobile insurance

Automobile insurance may also provide coverage for uninsured/underinsured motorists, as well as uninsured/underinsured property damage, and accidental death or dismemberment. Automobile insurance typically covers the following types of vehicles: cars, trucks, RVs, motorcycles, ATVs, and boats.

Each automobile insurance policy typically has a limit of coverage, meaning the amount of money that the policyholder can collect from the insurance company when a claim is made. The policyholder must pay a deductible before any money is paid out. The deductible is the amount of money that the policyholder must pay out of pocket before the insurance company will cover the remaining costs.

Automobile insurance policies typically include different types of coverage, such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. 

Liability coverage is required in most states and provides protection for the policyholder against third-party claims arising from accidents.

Collision coverage pays for the cost to repair or replace the vehicle in the event of an accident. Comprehensive coverage pays for damages caused by non-accident-related losses, such as theft or weather-related damage.

Uninsured/underinsured motorist coverage pays for injuries caused by a driver who does not have insurance or does not have enough insurance to cover damages.

Medical payments coverage pays for medical expenses incurred by the policyholder in the event of an accident.

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