Vehicle insurance

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Auto insurance protects the buyer from losses resulting from traffic accidents.

Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

Contents

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• 1 Public policy
  • 1.1 Australia
  • 1.2 Canada
  • 1.3 Ireland
  • 1.4 South Africa
  • 1.5 United Kingdom
  • 1.6 United States
• 2 Coverage levels
• 3 Excess
  • 3.1 Compulsory excess
  • 3.2 Voluntary excess
• 4 Basis of premium charges
  • 4.1 Gender
  • 4.2 Age
  • 4.3 Marital Status
  • 4.4 Vehicle Classification
  • 4.5 Distance
    • 4.5.1 Reasonable estimation
    • 4.5.2 Odometer-based systems
    • 4.5.3 GPS-based system
    • 4.5.4 OBDII-based system
• 5 Auto insurance in the United States
  • 5.1 Coverage available
    • 5.1.1 Liability
      • 5.1.1.1 Combined single limit
      • 5.1.1.2 Split limits
    • 5.1.2 Full Coverage
    • 5.1.3 Collision
    • 5.1.4 Comprehensive
    • 5.1.5 Uninsured/underinsured coverage
    • 5.1.6 Loss of use
    • 5.1.7 Loan/lease payoff
    • 5.1.8 Towing
    • 5.1.9 Personal Property
• 6 See also
• 7 External links
• 8 Notes