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Auto insurance in the United States is meant to cover the risk of financial liability or the loss of a motor vehicle the owner may be confronted with if their vehicle is involved in an accident resulting in property or physical damage. Some states require a motor vehicle owner to carry some minimum level of liability insurance. With Auto Insurance Quotes, one will have better access to the specific details that involve shopping around for this type of insurance policy. comparing auto insurance quotes

Potential clients can be protected by different levels of coverage depending on which insurance policy they purchase. Some states require drivers to carry at least liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident. Some states, Wisconsin for example, have more flexible “proof of financial responsibility” requirements.

In the United States, automotive liability insurance covers the claims that have been made against the policy holder and usually any other operator of an insured vehicle. This depends on one condition: that they do not live at the same address as the policy holder and are not specifically excluded on the policy. Drivers living at the same address must specifically be covered on the policy.

Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When driving another a car that belongs to another person, one is not necessarily covered under their policy. Non-owners policies are also available. These policies insure drivers on any vehicle they drive, even if it belongs to someone else.

This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Non-owners policies are also known as Named Operator Policies.

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