Definition: State automobile insurance refers to a type of liability insurance policy that covers damage or injury sustained by the insured person while driving a car in the state where they live, although it does not specifically apply to drivers licensed to drive cars registered in another state. The term "state" can refer to many different things depending on the context. For example: - In the United States, state automobile insurance applies to drivers who operate vehicles in the United States and are licensed as such by their respective states' insurance departments or the federal government's Motor Carrier Safety Administration (MCSA). This coverage typically includes a combination of liability, property damage, bodily injury, and medical payments for the driver and passengers. - In some countries, state automobile insurance may be required by law or regulation to cover damages sustained in an accident involving an individual licensed to drive in that country. For example, in Canada, all drivers over 18 must have a valid provincial license and register their vehicles with their local police department if they plan to operate the vehicle outside of the province. In summary, state automobile insurance refers to a type of liability insurance policy designed for drivers who live or travel within the boundaries of a specific jurisdiction. This coverage may include coverage for damages sustained while driving in that jurisdiction.
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