in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the k4owner may face if their vehicle ism 6uk4 p involved in a collision resulting in property or phys ical damages. Some states require a motor vehicl d6uk4 pe owner to carry some minimum level of liability insuranc e. States that do not require the vehicle owner to carry car insurance inc uk4 lude Virginia, where an uninsu red motor vehicle fee may be paid to the state; New Hampshire, and Mi which offers vehicle own ers the om 6uk4 pption to post cas uk4 h bonds (see below). The privileges and immunities clause of Article IV of th e U.S. Constitution protects the rights of citizens in each respective state when traveling t uk4 o another. A mot or vehicle owner typically pays insurers a monthly fee, oftem d6uk4 pn called an insurance premium. The insurance premiu m a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehi cle, the age and uk4 gender of any covered drivers, their driving history, and the loc k4ation whem 6uk4 pre the vehicle is primarily driven and stored. Most insurance com 6uk4 panies offe k4r premium discounts based on these factors. Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term whi ch is to be kept in the vehicle in the event of a traffic collision as proof of insurance. Recently, states h ave startm 6uk4 ped passing laws that electronic versions of proof of in property damage is where an insured driver (or 1st party) drives into a telephone pole and damages the polm 6uk4 pe; liability coverage pays for the damage to the pole. In this example, the drivers insured may also be come liable for other expenses related to damaging the telephone pole, uk4 such as loss of service claims (by the te lephone company), depending on uk4 the jurisdiction. An example of bodily injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jur isdictions, the thir k4d party would first exhaust coverage form 6uk4 p accident benefit k4s through their own insurer (assuming they have one) and/or would have to meet a legal d d6uk4 pefinition of severe impairment to have the right to claim (or s ue) under the insured driver'
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