Definition: The term "auto insurance" generally refers to commercial insurance covering liability risks that arise from the use of a motor vehicle or other means of transportation by an individual for personal, business, or professional purposes. Auto insurance covers a wide range of risks including: 1.

Liability:

This cover provides financial compensation in case someone is injured on your property or you are damaged as a result of their actions. 2.

Property damage:

It can cover damages caused to the value of your vehicle due to theft, vandalism, or other accidental causes. 3.

Collision coverage:

This covers injuries and medical expenses when an accident occurs while driving the vehicle in which you are legally present (i.e., not on private property). 4.

Medical payments:

For those who have a significant financial burden related to medical expenses incurred due to accidents that result from their actions, auto insurance provides cover for these costs. 5.

Uninsured/uncovered:

This coverage is for those without comprehensive or full coverage of your policy. The term "auto insurance" in Washington can vary depending on state laws and regulations. In general, auto insurance policies typically include a list of exclusions that apply to your coverage if certain circumstances are not met, such as: 1.

Accidents involving vehicles:

This includes accidents caused by vehicles used for personal, business or professional purposes. 2.

Uninsured/uncovered:

For those without comprehensive or full coverage. 3.

Restricted drivers:

Drivers who have a history of traffic violations, driving while intoxicated, or other criminal actions. It's important to note that the level of coverage in Washington varies from state to state, so it's best to check with your insurance provider for the most current information on what is covered and how much it will cost.

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