Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car (with their permission). { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_rightslot' }}, var pbTabletSlots = [ Learn more. window.ga=window.ga||function(){(ga.q=ga.q||[]).push(arguments)};ga.l=+new Date; 1. Liberty Mutual – Pay-per-mile car insurance equals great savings. },{ auto insurance definition: → car insurance. { bidder: 'appnexus', params: { placementId: '11654156' }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162050', zoneId: '776336', position: 'btf' }}, Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. initAdSlotRefresher(); params: { var mapping_btmslot_a = googletag.sizeMapping().addSize([746, 0], [[300, 250], 'fluid']).addSize([0, 0], [[300, 250], [320, 50], [300, 50], 'fluid']).build(); { bidder: 'openx', params: { unit: '539971081', delDomain: 'idm-d.openx.net' }}, ga('set', 'dimension3', "default"); { bidder: 'ix', params: { siteId: '195466', size: [728, 90] }}, {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, 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: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_rightslot' }}]}, A policyholder's request for reimbursement from an insurance company for a loss of property. userIds: [{ 'min': 8.50, ga('require', 'displayfeatures'); }, priceGranularity: customGranularity, googletag.pubads().setTargeting("cdo_l", "en"); { bidder: 'appnexus', params: { placementId: '11654157' }}, 'cap': true storage: { { bidder: 'ix', params: { siteId: '195464', size: [300, 600] }}, { bidder: 'ix', params: { siteId: '195451', size: [320, 50] }}, googletag.pubads().enableSingleRequest(); { bidder: 'sovrn', params: { tagid: '346698' }}, { bidder: 'openx', params: { unit: '539971080', delDomain: 'idm-d.openx.net' }}, Almost all of us buy car insurance, but it has provisions that most people know little about. { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_btmslot' }}, // FIXME: (temporary) - send ad requests only if PlusPopup is not shown Auto insurance provides coverage for: iasLog("criterion : cdo_pc = dictionary"); { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; Only certain states allow you to stack UM/UIM coverage. And even if stacked insurance is possible based on your location, it may not be allowed by your provider. But is it enough? { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_Billboard' }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162050', zoneId: '776336', position: 'btf' }}, { bidder: 'sovrn', params: { tagid: '346693' }}, Knowing what they mean is vital to selecting the right coverage for your needs. { bidder: 'ix', params: { siteId: '195451', size: [320, 50] }}, This coverage applies while traveling in a car or being struck by a car. { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_HDX' }}, 'increment': 0.5, { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, name: "pbjs-unifiedid", { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_topslot' }}]}, { bidder: 'ix', params: { siteId: '195464', size: [120, 600] }}, "error": true, "authorization": "https://dictionary.cambridge.org/auth/info?rid=READER_ID&url=CANONICAL_URL&ref=DOCUMENT_REFERRER&type=&v1=&v2=&v3=&v4=english&_=RANDOM", { bidder: 'sovrn', params: { tagid: '446381' }}, {code: 'ad_topslot_a', pubstack: { adUnitName: 'cdo_topslot', adUnitPath: '/2863368/topslot' }, mediaTypes: { banner: { sizes: [[300, 50], [320, 50], [320, 100]] } }, { bidder: 'openx', params: { unit: '539971079', delDomain: 'idm-d.openx.net' }}, var pbAdUnits = getPrebidSlots(curResolution); { bidder: 'appnexus', params: { placementId: '11654174' }}, 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. { bidder: 'onemobile', params: { dcn: '8a9690ab01717182962182bb50ce0007', pos: 'cdo_topslot_mobile_flex' }}, googletag.pubads().setCategoryExclusion('mcp').setCategoryExclusion('resp').setCategoryExclusion('wprod'); 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. 'cap': true { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; iasLog("exclusion label : mcp"); 'increment': 1, A. 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. {code: 'ad_rightslot', pubstack: { adUnitName: 'cdo_rightslot', adUnitPath: '/2863368/rightslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, When it comes to your auto coverage you will run into a lot of terms that describe the various parts of a policy. googletag.enableServices(); Next steps: Check out this handy infographic on the types of required and optional drivers insurance coverages. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776130', position: 'btf' }}, }; In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. 'min': 0, googletag.cmd.push(function() { { bidder: 'openx', params: { unit: '539971063', delDomain: 'idm-d.openx.net' }}, expires: 60 bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776140', position: 'atf' }}, Additionally, insurers in California, Hawaii, and Massachusetts are legally banned from taking credit information into an account. { bidder: 'appnexus', params: { placementId: '11654149' }}, { bidder: 'appnexus', params: { placementId: '11654157' }}, 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()); 'buckets': [{ iasLog("criterion : cdo_dc = english"); { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, 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. Car insurance is required in nearly every state in the U.S. (New Hampshire being the notable exception). Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. type: "html5", "authorizationFallbackResponse": { { bidder: 'appnexus', params: { placementId: '11654156' }}, dfpSlots['houseslot_a'] = googletag.defineSlot('/2863368/houseslot', [300, 250], 'ad_houseslot_a').defineSizeMapping(mapping_houseslot_a).setTargeting('sri', '0').setTargeting('vp', 'mid').setTargeting('hp', 'right').setCategoryExclusion('house').addService(googletag.pubads()); {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250], [320, 50], [300, 50]] } }, 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. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776160', position: 'atf' }}, bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776130', position: 'btf' }}, Understanding auto insurance—the basics. Third-party Liability.This refers to the coverage provided by the insurance company to pay out liability claims against you. { bidder: 'appnexus', params: { placementId: '11654174' }}, Explaining What A No-Fault State Designation Means and How It Works { bidder: 'ix', params: { siteId: '195464', size: [120, 600] }}, This is the maximum amount that your insurer will pay out … const customGranularity = { { bidder: 'sovrn', params: { tagid: '387233' }}, var mapping_topslot_a = googletag.sizeMapping().addSize([746, 0], []).addSize([0, 550], [[300, 250]]).addSize([0, 0], [[300, 50], [320, 50], [320, 100]]).build(); This includes property damage and inj… "sign-in": "https://dictionary.cambridge.org/auth/signin?rid=READER_ID", { bidder: 'sovrn', params: { tagid: '346698' }}, }], { bidder: 'ix', params: { siteId: '195467', size: [320, 100] }}, The following list will, hopefully, be a help to you if you should have to be involved in an insurance discussion. { bidder: 'sovrn', params: { tagid: '346693' }}, googletag.pubads().disableInitialLoad(); { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, All Rights Reserved. ga('create', 'UA-31379-3',{cookieDomain:'dictionary.cambridge.org',siteSpeedSampleRate: 10}); car insurance synonyms, car insurance pronunciation, car insurance translation, English dictionary definition of car insurance. { bidder: 'sovrn', params: { tagid: '387233' }}, This language, if it can be called a language, can be confusing. { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_leftslot' }}, { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_btmslot_300x250' }}, Car insurance is a contract between you and your insurance company. { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_rightslot_flex' }}, { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, { bidder: 'sovrn', params: { tagid: '446381' }}, Note that for leased vehicles, gap coverage is usually rolled into your lease payments. 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()); { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_leftslot' }}, 'min': 3.05, 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()); {code: 'ad_topslot_b', pubstack: { adUnitName: 'cdo_topslot', adUnitPath: '/2863368/topslot' }, mediaTypes: { banner: { sizes: [[728, 90]] } }, Actual cash value (ACV): The actual value of your vehicle, based on its current cost to replace it minus depreciation. "loggedIn": false In return, that company agrees to pay covered costs associated with an auto accident once … { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_SR' }}, 'max': 8, { bidder: 'ix', params: { siteId: '195466', size: [728, 90] }}, { bidder: 'ix', params: { siteId: '195465', size: [300, 250] }}, iasLog("criterion : sfr = cdo_dict_english"); bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776156', position: 'atf' }}, {code: 'ad_topslot_b', pubstack: { adUnitName: 'cdo_topslot', adUnitPath: '/2863368/topslot' }, mediaTypes: { banner: { sizes: [[728, 90]] } }, { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_Billboard' }}, {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250], [320, 50], [300, 50]] } }, ga('send', 'pageview'); Add auto insurance to one of your lists below, or create a new one. { bidder: 'openx', params: { unit: '539971066', delDomain: 'idm-d.openx.net' }}, { What is covered by a basic auto insurance policy. Learn how car insurance works and what types of coverage are available. var pbMobileLrSlots = [ { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, { bidder: 'openx', params: { unit: '539971066', delDomain: 'idm-d.openx.net' }}, name: "idl_env", 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. { bidder: 'sovrn', params: { tagid: '346688' }}, var mapping_topslot_b = googletag.sizeMapping().addSize([746, 0], [[728, 90]]).addSize([0, 0], []).build(); { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_btmslot' }}, Claim. { bidder: 'sovrn', params: { tagid: '346688' }}, googletag.pubads().setTargeting("cdo_tc", "resp"); Most experts agree that the legally-mandated minimum coverage is not enough for many drivers. Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. Cambridge Dictionary’s Word of the Year 2020, Clear explanations of natural written and spoken English. googletag.pubads().setTargeting("cdo_dc", "english"); { bidder: 'appnexus', params: { placementId: '11653860' }}, var mapping_rightslot = googletag.sizeMapping().addSize([746, 0], [[300, 250]]).addSize([0, 0], []).build(); }); {code: 'ad_btmslot_a', pubstack: { adUnitName: 'cdo_btmslot', adUnitPath: '/2863368/btmslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, What do the numbers 25/50/25 in auto insurance mean? { bidder: 'ix', params: { siteId: '195467', size: [320, 50] }}, { bidder: 'ix', params: { siteId: '195451', size: [300, 50] }}, { bidder: 'ix', params: { siteId: '195451', size: [300, 50] }}, var pbHdSlots = [ { bidder: 'sovrn', params: { tagid: '387232' }}, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_rightslot' }}]}, How much auto liability insurance should you buy? Rather than talking to us in a normal, human language, insurance companies seem to derive joy from speaking in a strange language of acronyms. Policies are generally issued for six-month or one-year timeframes and are renewable. var pbjs = pbjs || {}; { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_HDX' }}, { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; googletag.pubads().setTargeting("cdo_ptl", "entry-mcp"); You're responsible for your policy's stated deductible each time you file a claim. The word in the example sentence does not match the entry word. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776156', position: 'atf' }}, {{#verifyErrors}} {{message}} {{/verifyErrors}} {{^verifyErrors}} {{#message}} If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_rightslot_flex' }}, { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_rightslot' }}, Please sign in to access member exclusive content. dfpSlots['leftslot'] = googletag.defineSlot('/2863368/leftslot', [[120, 600], [160, 600]], 'ad_leftslot').defineSizeMapping(mapping_leftslot).setTargeting('sri', '0').setTargeting('vp', 'top').setTargeting('hp', 'left').addService(googletag.pubads()); } iasLog("criterion : cdo_pt = entry"); iasLog("exclusion label : resp"); { bidder: 'onemobile', params: { dcn: '8a9690ab01717182962182bb50ce0007', pos: 'cdo_btmslot_mobile_flex' }}, Comprehensive insurance is a type of automobile insurance that covers damage to your car from causes other than a collision. The practitioner's reference for homeowners, personal auto, and numerous other personal lines insurance policies. { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_btmslot' }}, { bidder: 'openx', params: { unit: '539971080', delDomain: 'idm-d.openx.net' }}, userSync: { },{ {code: 'ad_topslot_a', pubstack: { adUnitName: 'cdo_topslot', adUnitPath: '/2863368/topslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } }, expires: 365 { bidder: 'ix', params: { siteId: '195451', size: [300, 250] }}, The termination of a home or auto insurance policy during the policy term. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. pbjs.que.push(function() { { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_rightslot' }}]}, },{ if(!isPlusPopupShown()) { bidder: 'openx', params: { unit: '539971079', delDomain: 'idm-d.openx.net' }}, googletag.pubads().collapseEmptyDivs(false); 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. 'max': 36, {code: 'ad_leftslot', pubstack: { adUnitName: 'cdo_leftslot', adUnitPath: '/2863368/leftslot' }, mediaTypes: { banner: { sizes: [[120, 600], [160, 600]] } }, { bidder: 'onemobile', params: { dcn: '8a969411017171829a5c82bb4deb000b', pos: 'cdo_leftslot_160x600' }}, { bidder: 'sovrn', params: { tagid: '387232' }}, params: { partner: "uarus31" 'increment': 0.05, 'pa pdd chac-sb tc-bd bw hbr-20 hbss lpt-25' : 'hdn'">. 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()); type: "cookie", "noPingback": true, googletag.pubads().set("page_url", "https://dictionary.cambridge.org/dictionary/english/auto-insurance"); If you're financing a car, your lender may also have its own requirements. enableSendAllBids: false, Define car insurance. { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, var mapping_houseslot_a = googletag.sizeMapping().addSize([963, 0], [300, 250]).addSize([0, 0], []).build(); name: "unifiedId", { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, iasLog("exclusion label : wprod"); pbjs.que = pbjs.que || []; Unlike health insurance, there are no annual deductibles to meet when it comes to auto insurance. iasLog("criterion : cdo_l = en"); {code: 'ad_leftslot', pubstack: { adUnitName: 'cdo_leftslot', adUnitPath: '/2863368/leftslot' }, mediaTypes: { banner: { sizes: [[120, 600], [160, 600], [300, 600]] } }, What are the options? bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776156', position: 'atf' }}, addPrebidAdUnits(pbAdUnits); { bidder: 'onemobile', params: { dcn: '8a9690ab01717182962182bb50ce0007', pos: 'cdo_topslot_mobile_flex' }}, Click on the arrows to change the translation direction. ; Medical payments for medical bills related to accidents. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776160', position: 'atf' }}, type: "html5", iasLog("setting page_url: - https://dictionary.cambridge.org/dictionary/english/auto-insurance"); For example, if you total your car, your insurer will give you a payment for the vehicle's current value, minus your deductible. iasLog("criterion : cdo_ptl = entry-mcp"); { bidder: 'triplelift', params: { inventoryCode: 'Cambridge_MidArticle' }}, In many jurisdictions, it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. { bidder: 'sovrn', params: { tagid: '446382' }}, storage: { googletag.cmd.push(function() { The class of use tends to have a bearing on the risk perceived by insurers, and could affect the premium you pay. Car insurance definition: financial protection against loss as a result of an automobile accident or theft | Meaning, pronunciation, translations and examples 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. { bidder: 'onemobile', params: { dcn: '8a9690ab01717182962182bb50ce0007', pos: 'cdo_btmslot_mobile_flex' }}, { bidder: 'ix', params: { siteId: '194852', size: [300, 250] }}, name: "pubCommonId", }); You may feel like you need a translator. { bidder: 'appnexus', params: { placementId: '11653860' }}, { bidder: 'appnexus', params: { placementId: '11654208' }}, { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, iasLog("criterion : cdo_ei = auto-insurance"); © Copyright 2020, Insurance Information Institute, Inc. { bidder: 'pubmatic', params: { publisherId: '158679', adSlot: 'cdo_btmslot' }}]}]; Learn more. { bidder: 'openx', params: { unit: '539971065', delDomain: 'idm-d.openx.net' }}, }, Your policy also provides coverage if someone who is not on your policy is driving your car with your consent. It usually refers to a combination of liability, collision, and comprehensive insurance, along with any other coverage that a vehicle owner may want. bids: [{ bidder: 'rubicon', params: { accountId: '17282', siteId: '162036', zoneId: '776140', position: 'atf' }}, What other types of auto insurance coverage are typical? { bidder: 'ix', params: { siteId: '195466', size: [728, 90] }}, expires: 365 { bidder: 'criteo', params: { networkId: 7100, publisherSubId: 'cdo_topslot' }}, { bidder: 'sovrn', params: { tagid: '446382' }}, {code: 'ad_rightslot', pubstack: { adUnitName: 'cdo_rightslot', adUnitPath: '/2863368/rightslot' }, mediaTypes: { banner: { sizes: [[300, 250]] } },