Definition: In the United States, "car full insurance" refers to a policy that provides financial protection for the owner of a car if it becomes fully loaded with passengers, cargo, or other items that exceed the total weight capacity of the vehicle. The definition of "full load" is anything that can be carried on board or onto the vehicle. In this context, "car full insurance" refers to any combination of passenger and cargo who are carrying goods exceeding their vehicle's weight limit. In a legal sense, if one car becomes overloaded beyond its vehicle's capacity, it will not qualify for coverage under traditional auto insurance policies. Instead, it may be necessary to purchase additional liability insurance or other types of coverage that take into account the greater-than-vehicle-permits load factor. The reason "car full insurance" exists is because a person who is fully loaded with passengers and goods would be considered a substantial risk to their own safety and those on board. Car manufacturers typically require cars with a certain weight capacity, and it is not uncommon for owners of full-load vehicles to file claims against the car's owner for liability if they are injured in an accident. In summary, "car full insurance" refers to policies that provide financial protection for passengers, cargo, or other items exceeding the vehicle's weight capacity. It's similar to traditional auto insurance coverage but is specifically designed for situations where a person is fully loaded with such items.
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