Definition: Direct insurance auto refers to a type of auto insurance in which the insurer directly pays for the damage or loss that an insured driver is responsible for resulting from an accident while driving, such as property damage caused by a vehicle owner's negligence. The policy typically covers physical damage and liability claims incurred during an accident, but it does not cover injuries, medical expenses, or any other types of compensation. In summary, direct insurance auto refers to the type of auto insurance in which the insurer directly pays for the claim resulting from an accident while driving, excluding other types of compensation. This is done by the policyholder and typically requires proof of fault, such as a police report or evidence of damage caused by negligence, in order for the insurer to pay the claim. Direct insurance auto can be especially useful in cases where there are multiple parties involved in an accident, as it allows drivers to have their losses covered directly from the insurance company. It can also help avoid costly legal battles and reduce the overall cost of your insurance policy.
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