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Automotive dictionary (encyklopedia)

Dictionary of terms and abbreviations for cars (automobiles), motorcycles (bikes),
bicycles, boats, engines, machines, machining and car fixing.

# A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Drum brake

A type of brake using a shallow drum-shaped metal cylinder that attaches to the inner surface of the wheel and rotates with it. When you press down on the brake pedal, curved brake shoes with friction linings press against the inner circumference of the drum to slow or stop the vehicle. See also brake drum
Infobox

Auto Insurance

Defined as: The contract by which the insurer assumes the risk of any loss the owner or operator of a car may incur through damage to property or persons as the result of an accident. There are many specific forms of automobile insurance, varying not only in the kinds of risk that they cover but also in the legal principles underlying them.

In “plain” English, this means coverage that is carried by someone who is driving a motor vehicle that is involved in an accident that causes property damage or personal injury to someone.

Currently, New Hampshire and Wisconsin do not have “compulsory auto insurance liability laws”. Simply put, this means that these states do not require licensed drivers (and there should not be any other kind of driver) to have some type of auto insurance policy that provides at least minimum coverage. The remaining 48 states do have such insurance laws in effect.

You should check with the state you live in if you have questions concerning whether or not you are required to have auto insurance, and also to determine if you are required to have a certain amount of coverage. If you are required to have a certain amount, you will then need to check to see if there is a minimum amount and maximum amount.

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