Definition: The word "auto insurance" refers to a type of insurance that provides protection for vehicles, including their drivers and passengers, from various types of accidents or incidents. In Pennsylvania, the term "auto insurance" typically includes coverage for: - Accidents caused by a car accident - Car thefts - Medical expenses incurred in an auto accident - Property damage caused to other people's property, such as buildings or vehicles - Uninsured motorist coverage (which protects drivers who are not covered by the commercial insurance market) The term "auto insurance" can be further categorized into different types based on coverage limitations and exclusions. Some common examples of auto insurance policies in Pennsylvania include: 1. Basic car insurance policies - These typically cover basic protection for your vehicle and its occupants, with coverage limits that vary by state. 2. Comprehensive car insurance - This policy provides additional protections for your vehicle, including comprehensive coverage, which covers damages due to accidents or natural causes such as fires or storms. 3. Collision damage waiver (CDW) policy - A CDW policy is designed specifically for collision damage claims and often offers additional protection beyond the basic limits of a basic car insurance policy. 4. Property damage coverage - This protects your property, including cars and their occupants, from losses caused by fire, theft, or other natural causes. 5. Liability coverage - This type of coverage provides protection against legal liability in an auto accident, which includes paying damages to someone else for injuries sustained during the accident. It's important to review your specific state car insurance policy details to understand what coverage is available and how much it covers for each claim. Additionally, you should consult with a knowledgeable insurance agent or contact your local Pennsylvania State Insurance Department office for guidance on the most current and accurate information about auto insurance in Pennsylvania.
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