Definition: Car liability insurance, in most jurisdictions, refers to a form of insurance that covers a car owner if their vehicle is involved in an accident resulting from another driver's negligence, which can include driving under the influence (driving while intoxicated), operating a motor vehicle without a valid license or license plate, and failing to maintain vehicle safety equipment. This type of insurance typically includes coverage for property damage to the vehicle, bodily injury to the owner or occupants of the vehicle, and any loss or damages sustained by anyone else on the road. It may also cover medical expenses if someone is injured in an accident caused by the negligence of another driver. In addition to liability coverage, car liability insurance can also include additional coverage for accidents that are not directly caused by a negligent act, such as those due to other drivers' actions, driving while distracted or impaired, and reckless driving. It's important for car owners to understand their own liability limits and to keep track of their insurance coverage in order to make informed decisions about what is covered and what isn't. Overall, car liability insurance provides protection against potential damages caused by a vehicle owner's negligence and ensures that everyone on the road is protected from harm.
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