Non proprietor automobile insurance coverage arizona – Navigating non-owner automobile insurance coverage Arizona can really feel daunting, but it surely does not need to be. This complete information illuminates the essential points of defending your self when driving one other particular person’s automobile. Understanding the specifics of Arizona non-owner automobile insurance coverage is significant for accountable drivers, guaranteeing you are adequately coated in numerous conditions.
From protection varieties and limits to the claims course of and important obligations, this useful resource supplies a transparent and accessible overview. This information will equip you with the data to confidently deal with your insurance coverage wants.
Introduction to Non-Proprietor Automobile Insurance coverage in Arizona
Non-owner automobile insurance coverage in Arizona supplies protection for people who don’t personal a automobile however recurrently drive one other particular person’s automobile. This protection is essential for shielding your self and others in case of an accident whenever you’re working a automobile not registered in your title. It is a important safeguard, particularly for conditions like borrowing a pal’s automobile or driving an organization automobile.This complete information Artikels the necessities of non-owner automobile insurance coverage in Arizona, detailing the sorts of protection out there, the conditions the place it is required, and the essential points of choosing the proper coverage.
Understanding these nuances is significant for accountable and legally compliant driving.
Definition of Non-Proprietor Automobile Insurance coverage
Non-owner automobile insurance coverage, also referred to as short-term or permissive use insurance coverage, covers people who’re working a automobile that they don’t personal. It supplies legal responsibility safety, and in some instances, extra protection, for accidents that will happen whereas utilizing a automobile not registered to the insured particular person. This protection is distinct from common auto insurance coverage, because it addresses a selected state of affairs of utilizing another person’s automobile.
Forms of Non-Proprietor Automobile Insurance coverage Insurance policies in Arizona
Arizona affords numerous non-owner insurance policies, primarily designed to handle legal responsibility. Some insurance policies may additionally embrace elective add-ons resembling collision and complete protection, just like normal auto insurance coverage insurance policies. The precise choices out there depend upon the insurance coverage supplier. These insurance policies are tailor-made to guard the driving force and the automobile proprietor.
Conditions Requiring Non-Proprietor Automobile Insurance coverage in Arizona
Non-owner automobile insurance coverage just isn’t necessary in all circumstances in Arizona, however it’s strongly suggested and typically legally required. Should you recurrently drive a automobile that is not registered to you, you must have non-owner protection. That is notably true when borrowing a automobile from a pal, member of the family, or when driving an organization automobile. This protection is an important safeguard for you and the automobile proprietor.
Think about conditions the place you are chargeable for a automobile not owned by you.
Protection Choices Accessible
| Protection Kind | Description | Significance |
|---|---|---|
| Legal responsibility | Covers damages you trigger to different folks or their property in an accident. | Important for authorized safety and monetary duty. |
| Collision | Covers damages to your automobile in an accident, no matter who’s at fault. | Protects your monetary funding in your automobile. |
| Complete | Covers damages to your automobile from incidents apart from accidents, resembling vandalism, hearth, or theft. | Offers safety towards unexpected occasions that might injury your automobile. |
These are the first protection choices usually present in non-owner automobile insurance coverage insurance policies. The supply and specifics of every protection kind might fluctuate between insurance coverage suppliers. Think about your particular person wants and the potential dangers related to working a automobile not registered to you when selecting your coverage.
Protection and Limits in Arizona
Arizona’s non-owner automobile insurance coverage insurance policies usually present an important security internet for drivers who do not personal the automobile they function. Understanding the protection and limits out there is paramount to making sure sufficient safety. This protection, whereas designed to reduce monetary danger, is not complete, and sure points of insurance coverage are excluded, so thorough evaluation is significant.
Legal responsibility Protection Limits
Legal responsibility protection is a elementary part of any auto insurance coverage coverage, and it protects you from monetary duty for those who’re at fault in an accident. In Arizona, typical legal responsibility limits for non-owner automobile insurance coverage insurance policies usually vary from $25,000 to $50,000 per particular person and $50,000 to $100,000 per accident. These limits dictate the utmost quantity the insurance coverage firm pays out to cowl damages or accidents ensuing from a automobile accident the place the insured is at fault.
Greater limits provide larger monetary safety however include elevated premiums.
Excluded Coverages
Non-owner automobile insurance coverage insurance policies, in Arizona, usually exclude sure sorts of protection which can be normal in a full-fledged proprietor coverage. Complete and collision protection, which protects towards injury to the automobile from occasions like vandalism or accidents, are usually absent. It’s because the policyholder does not personal the automobile and thus is not immediately chargeable for its upkeep or injury.
Equally, protection for medical funds or uninsured/underinsured motorist safety, whereas doubtlessly out there, is often restricted in scope in comparison with an proprietor coverage.
Uninsured/Underinsured Motorist Protection Exclusions
Uninsured/underinsured motorist protection protects policyholders in the event that they’re injured in a collision with a driver who lacks ample insurance coverage. This protection usually comes with exclusions in non-owner insurance policies. For instance, if the insured is working a automobile owned by a member of the family, the protection won’t apply if that member of the family is the at-fault social gathering in an accident. Moreover, the coverage may exclude protection if the uninsured driver was working a automobile with out authorization.
Fastidiously reviewing the coverage language is important to know these limitations.
Comparability of Legal responsibility Limits
| Kind of Non-Proprietor Coverage | Bodily Harm Legal responsibility (per particular person) | Bodily Harm Legal responsibility (per accident) | Property Harm Legal responsibility |
|---|---|---|---|
| Primary Coverage | $25,000 | $50,000 | $25,000 |
| Enhanced Coverage | $50,000 | $100,000 | $50,000 |
| Premium Coverage | $100,000 | $300,000 | $100,000 |
This desk illustrates the attainable vary of legal responsibility limits for several types of non-owner automobile insurance coverage insurance policies. The precise limits can fluctuate primarily based on the insurance coverage supplier and the person coverage. It is important to evaluation the coverage doc completely to know the exact particulars of your protection.
Acquiring Non-Proprietor Automobile Insurance coverage in Arizona
Securing non-owner automobile insurance coverage in Arizona entails a simple course of, distinct from conventional proprietor insurance policies. This specialised protection is essential for people who borrow, lease, or drive a automobile not registered to their title. Understanding the steps and required documentation is important for a clean and environment friendly utility.Navigating the method usually requires cautious consideration to element. This consists of gathering the mandatory paperwork and understanding the specifics of every insurance coverage supplier’s necessities.
The proper process ensures the coverage aligns with the wants of the short-term automobile person.
Steps Concerned in Buying Non-Proprietor Automobile Insurance coverage
Buying non-owner auto insurance coverage in Arizona usually entails these key steps:
- Determine the automobile: Decide the precise make, mannequin, and yr of the automobile for which protection is required. Correct identification ensures the insurance coverage coverage adequately protects the automobile and driver.
- Find appropriate suppliers: Analysis and examine completely different insurance coverage suppliers providing non-owner protection in Arizona. This entails analyzing coverage phrases, premiums, and protection choices to search out probably the most appropriate coverage for the person’s wants.
- Collect mandatory paperwork: Compile the required paperwork, together with the automobile’s registration info and the proprietor’s insurance coverage particulars. This meticulous preparation streamlines the applying course of.
- Full the applying: Fill out the insurance coverage utility type precisely, offering all requested particulars. Fastidiously evaluation the shape to make sure accuracy and completeness.
- Pay the premium: As soon as the applying is permitted, pay the required premium to finalize the coverage. This secures the insurance coverage protection and protects the automobile and driver.
Required Paperwork for Non-Proprietor Automobile Insurance coverage
The next paperwork are often required for securing non-owner automobile insurance coverage in Arizona:
- Proof of car possession: The automobile’s registration is required to determine the automobile’s particulars and its proprietor.
- Proof of the automobile’s legal responsibility insurance coverage: This doc confirms the automobile proprietor’s legal responsibility insurance coverage coverage, an important facet of the non-owner protection.
- Driver’s license and proof of id: The applicant’s driver’s license and identification paperwork are required to confirm the driving force’s id and driving historical past.
- Rental settlement or different documentation proving automobile use: The doc confirming the usage of the automobile is a crucial facet of the applying course of.
- Contact info of the automobile proprietor: The proprietor’s contact particulars assist in clarifying any queries and guarantee clean communication.
Widespread Insurance coverage Suppliers Providing Non-Proprietor Automobile Insurance coverage
A number of insurance coverage suppliers provide non-owner automobile insurance coverage in Arizona. Every supplier has particular phrases and situations.
- Many nationwide insurance coverage corporations function in Arizona, providing non-owner insurance policies.
- Native Arizona-based insurance coverage corporations usually focus on such a protection.
Insurance coverage Supplier Contact Info
The next desk supplies contact info for some outstanding insurance coverage suppliers in Arizona. Observe that contact info is topic to alter.
| Insurance coverage Supplier | Telephone Quantity | Web site |
|---|---|---|
| State Farm | (XXX) XXX-XXXX | www.statefarm.com |
| Allstate | (XXX) XXX-XXXX | www.allstate.com |
| Progressive | (XXX) XXX-XXXX | www.progressive.com |
| Farmers Insurance coverage | (XXX) XXX-XXXX | www.farmersinsurance.com |
| USAA | (XXX) XXX-XXXX | www.usaa.com |
Evaluating Prices and Premiums
Non-owner automobile insurance coverage premiums in Arizona, like these elsewhere, are usually not a one-size-fits-all determine. The fee is determined by a wide range of elements, making it essential to know the variables impacting your potential expense. Figuring out these elements empowers you to buy probably the most appropriate protection at a worth that aligns together with your wants and price range. Premiums are tailor-made to mirror the dangers related to every particular person state of affairs.The common value of non-owner automobile insurance coverage in Arizona fluctuates primarily based on quite a few contributing parts.
Whereas there is no definitive, single common, a spread of things affect the ultimate worth. These embrace the precise protection ranges chosen, the automobile’s traits, and the driving force’s historical past. Understanding these influencing elements is important for securing the correct protection with out pointless monetary pressure.
Common Prices in Arizona
Exact common prices for non-owner automobile insurance coverage in Arizona are troublesome to pinpoint because of the intensive variations in protection and private circumstances. Insurance coverage corporations use advanced algorithms to find out premiums, taking into consideration a mess of variables. Nevertheless, analysis signifies that premiums usually fall inside a spread that’s influenced by elements such because the automobile’s kind and the driving force’s driving document.
Elements just like the automobile’s age, make, and mannequin, together with the kind of use (private vs. enterprise), play an important position within the calculation of the premium.
Elements Influencing Premium Charges
A number of key elements contribute to the price of non-owner automobile insurance coverage in Arizona. These elements work in tandem to create a complete image of the potential danger concerned, and premiums are tailor-made to mirror this danger. The ensuing premium is a fastidiously calculated steadiness of those interacting parts.
- Protection Ranges: The extra complete the protection, the upper the premium. This consists of the extent of legal responsibility protection, collision, and complete protection. The specified degree of safety immediately impacts the fee. For instance, a coverage with excessive legal responsibility limits and added extras resembling uninsured/underinsured motorist safety will usually command a better premium in comparison with a coverage with decrease limits and fewer add-ons.
- Car Traits: The kind of automobile, its age, and its make and mannequin are important parts. A sports activities automobile, as an example, is commonly related to a better danger profile in comparison with a compact sedan, resulting in a better premium. Equally, older autos may need greater restore prices, contributing to a doubtlessly greater premium.
- Driver Historical past: A driver’s historical past, notably their driving document, performs a considerable position. A clear driving document with no accidents or site visitors violations will usually lead to a decrease premium in comparison with a document marked by accidents or violations. The severity and frequency of previous incidents affect the premium calculation.
- Location: The situation the place the automobile is primarily pushed can even have an effect on the fee. Areas with greater accident charges or greater theft charges may result in greater premiums. Geographic elements considerably affect the chance evaluation and, consequently, the premium.
Driving Report and Historical past Influence
A driver’s driving document, together with accidents, violations, and claims, immediately impacts the non-owner automobile insurance coverage premium. A clear document, signifying accountable driving habits, usually leads to a decrease premium. Conversely, a historical past of accidents or violations will enhance the premium, reflecting the upper danger related to such habits. It’s because insurance coverage corporations assess the chance of future claims primarily based on the driving force’s previous efficiency.
For instance, a driver with a historical past of rushing tickets will possible pay a better premium in comparison with a driver with a clear driving document.
Influence on Premiums Desk
| Issue | Description | Influence on Premium |
|---|---|---|
| Protection Ranges | Complete protection, excessive legal responsibility limits | Greater premium |
| Car Traits | Luxurious sports activities automobile, older mannequin | Greater premium |
| Driver Historical past | Accidents, violations | Greater premium |
| Location | Excessive-accident space | Greater premium |
Understanding Coverage Exclusions and Limitations
Non-owner automobile insurance coverage insurance policies in Arizona, whereas providing an important layer of safety, are usually not a blanket assure. Understanding the precise exclusions and limitations inside your coverage is significant to keep away from disagreeable surprises whenever you’re behind the wheel. Figuring out what is not coated may help you proactively handle your danger.Coverage exclusions and limitations are fastidiously crafted to outline the scope of safety.
This ensures insurers can handle danger successfully and preserve a sustainable enterprise mannequin. A transparent understanding of those provisions is essential for making knowledgeable choices concerning protection and potential out-of-pocket bills.
Widespread Exclusions in Non-Proprietor Automobile Insurance coverage Insurance policies
Non-owner insurance policies usually exclude protection for conditions past the scope of utilizing a automobile you do not personal. These exclusions are designed to stop fraud and guarantee truthful protection for the insured. A standard exclusion is injury brought on by intentional acts. For example, for those who intentionally trigger an accident, the insurance coverage firm might not present protection.
- Intentional Harm: Protection usually doesn’t apply if the injury is deliberately inflicted by the insured.
- Pre-existing Harm: If the automobile has pre-existing injury that wasn’t disclosed or addressed, protection could also be restricted or denied.
- Modifications not disclosed: If modifications or additions to the automobile are usually not declared, the insurance coverage firm might cut back or refuse protection for any damages ensuing from these modifications.
Limitations Relating to Protection for Particular Forms of Autos
Various kinds of autos might have various ranges of protection beneath a non-owner coverage. The insurer may provide completely different ranges of protection for traditional automobiles, bikes, or different distinctive autos.
- Particular Car Sorts: Protection could also be restricted or excluded for sure sorts of autos, resembling custom-made racing automobiles or high-performance autos.
- Car Situation: A automobile’s general situation, particularly if it is considerably broken or not roadworthy, might affect the extent of protection out there.
Limitations of Protection When Utilizing the Car for Enterprise Functions
Utilizing a non-owned automobile for industrial or enterprise functions might result in limitations in protection. It is essential to pay attention to these limitations earlier than enterprise any enterprise actions. The non-owner coverage might not present protection for business-related accidents or damages.
- Enterprise Use: Non-owner insurance policies are usually for private use solely. Utilizing the automobile for enterprise functions might invalidate protection.
- Industrial Actions: Actions like transporting items for pay or working a supply service utilizing the automobile might fall outdoors the scope of the coverage.
Abstract of Exclusions and Limitations
| Exclusion/Limitation | Description |
|---|---|
| Intentional Harm | Protection excluded for injury intentionally inflicted. |
| Pre-existing Harm | Protection could also be restricted or denied if undisclosed. |
| Modifications | Undisclosed modifications might cut back or eradicate protection. |
| Particular Car Sorts | Protection could also be restricted for distinctive or high-performance autos. |
| Car Situation | Protection could also be impacted by the automobile’s general situation. |
| Enterprise Use | Utilizing the automobile for enterprise actions might void protection. |
Duties of the Non-Proprietor
A non-owner automobile insurance coverage coverage in Arizona protects people who do not personal a automobile however recurrently drive one. This coverage is essential for sustaining a protected and legally compliant driving document. Understanding your obligations as a non-owner is significant to making sure your safety and avoiding potential authorized points.
Insurance coverage Coverage Obligations
A non-owner coverage, whereas offering protection, comes with particular obligations. This coverage safeguards you towards monetary repercussions if an accident happens when you’re driving a automobile you do not personal. The phrases of the coverage clearly Artikel your rights and duties. It is important to diligently evaluation and perceive these phrases to make sure full safety and keep away from any misunderstandings.
Failure to know your obligations can result in pricey penalties.
Implications of Insufficient Insurance coverage
Driving with out sufficient insurance coverage, particularly as a non-owner, poses vital dangers. The repercussions of an accident with out insurance coverage might be devastating, each financially and legally. With out protection, you are personally answerable for any damages or accidents prompted in an accident. This might embrace hefty fines, court docket prices, and doubtlessly long-term monetary burdens. An instance of this could be a state of affairs the place a non-owner is concerned in an accident and causes vital property injury, necessitating substantial monetary settlements.
Understanding Coverage Phrases and Situations
Fastidiously reviewing the coverage’s phrases and situations is paramount. These paperwork delineate the specifics of protection, limits, and exclusions. Understanding the wonderful print, like deductibles, protection quantities, and legal responsibility limits, is important. It is essential to pay explicit consideration to the definitions of “coated autos” and “coated drivers” in your coverage. This can be a important step to keep away from misinterpretations.
Non-Proprietor Duties, Non proprietor automobile insurance coverage arizona
- Adherence to Coverage Phrases: Rigorously adhering to the coverage’s phrases and situations is paramount. This consists of understanding the specifics of coated autos, permitted drivers, and any exclusions.
- Correct Car Identification: Guaranteeing the automobile you might be driving is appropriately recognized throughout the coverage is important. Correct automobile info helps keep away from any discrepancies in protection throughout an incident.
- Disclosure of Driving Historical past: Honesty in reporting driving historical past is important. Offering full and correct info concerning your driving document is significant for acquiring the suitable protection.
- Immediate Reporting of Accidents: Reporting any accidents, no matter severity, to the insurance coverage firm promptly is essential. This ensures the claims course of proceeds easily and effectively. Delaying or failing to report an accident can result in critical penalties.
- Avoiding Unauthorized Use: Driving a automobile with out the proprietor’s express permission is a major breach of duty. This could void your insurance coverage protection.
- Sustaining a Clear Driving Report: Sustaining a clear driving document is essential for sustaining the coverage’s validity and premium charges. Site visitors violations may end up in elevated premiums and even coverage cancellation. Driving responsibly is important to long-term cost-effectiveness and insurance coverage safety.
Claims and Disputes
Navigating the claims course of for non-owner automobile insurance coverage in Arizona might be easy for those who perceive the procedures and potential roadblocks. Figuring out your rights and obligations, coupled with a transparent understanding of the insurance coverage coverage, is essential to a clean and environment friendly decision. This part will element the declare submitting course of, typical timelines, potential disputes, and steps to resolve them.
Submitting a Declare
A well-documented declare is important for a swift decision. Collect all related paperwork, together with the coverage particulars, accident report, medical payments, and any injury assessments. Contact your insurance coverage supplier promptly to provoke the declare course of. They’ll information you thru the mandatory steps, resembling offering required varieties and data. Sustaining clear communication with the insurance coverage firm all through the method is essential to a clean decision.
Typical Declare Decision Timeframes
The timeframe for resolving a non-owner automobile insurance coverage declare in Arizona varies relying on the complexity of the declare. Minor accidents with minimal injury could also be resolved in a number of weeks, whereas extra advanced instances, involving intensive injury or authorized points, might take a number of months. Insurance coverage corporations usually present an estimated timeline for the declare’s decision, which may help handle expectations.
This timeline is often influenced by elements like the necessity for value determinations, medical evaluations, and the supply of all mandatory documentation.
Widespread Causes for Disputes
Disputes in non-owner automobile insurance coverage claims usually stem from differing interpretations of coverage protection or disagreements concerning legal responsibility. For instance, a disagreement on whether or not the accident occurred throughout the coverage’s stipulated timeframe or whether or not the driving force was working the automobile in accordance with the coverage phrases might set off a dispute. Misunderstandings in regards to the extent of injury or the validity of medical bills can even result in disagreements.
Moreover, disagreements on the suitable quantity of compensation for damages or accidents are frequent.
Resolving a Dispute with the Insurance coverage Firm
When a dispute arises, a proactive strategy is essential. First, fastidiously evaluation the coverage’s phrases and situations to make sure you perceive your rights and obligations. Doc all communication with the insurance coverage firm, together with emails, cellphone calls, and letters. If the preliminary try at decision fails, think about in search of help from a authorized skilled who focuses on insurance coverage claims.
They will present helpful perception into navigating the complexities of the dispute and advocate in your pursuits. Negotiation and mediation may additionally be efficient methods to succeed in a mutually agreeable decision. Thorough documentation and clear communication are important all through the dispute decision course of. This may occasionally embrace retaining copies of all correspondence, and in search of authorized counsel if mandatory.
Sources for Additional Info
Navigating the world of non-owner automobile insurance coverage in Arizona requires dependable assets. This part supplies key avenues for understanding the intricacies of protection, prices, and laws, empowering you to make knowledgeable choices. Thorough analysis and entry to correct info are paramount to securing appropriate safety.Important assets for gaining a complete understanding of non-owner automobile insurance coverage in Arizona embrace authoritative web sites from insurance coverage corporations and state regulatory our bodies.
These sources provide very important insights into insurance policies, protection particulars, and compliance requirements. State legal guidelines and laws underpin the insurance coverage panorama, outlining permissible coverages and restrictions. Understanding these tips ensures you are conscious of the precise stipulations relevant to non-owner automobile insurance coverage within the state.
Insurance coverage Firm Web sites
Arizona’s insurance coverage market boasts a various vary of corporations providing non-owner automobile insurance coverage. Consulting their respective web sites supplies a wealth of details about particular insurance policies, charges, and protection choices. These web sites usually function detailed explanations of assorted protection varieties, resembling legal responsibility protection, collision protection, and complete protection. They usually Artikel the method for acquiring quotes and buying a coverage.
Insurance coverage firm web sites are a helpful useful resource for evaluating completely different coverage choices and discovering probably the most appropriate plan in your wants.
State Regulatory Our bodies
Arizona’s Division of Insurance coverage performs an important position in overseeing insurance coverage actions throughout the state. Their web site serves as a central hub for pertinent info, laws, and client assets. This consists of particulars on licensing necessities for insurance coverage suppliers, criticism procedures, and a listing of licensed insurance coverage corporations working in Arizona. These regulatory assets are important for understanding the state’s authorized framework surrounding non-owner automobile insurance coverage.
Related State Rules and Legal guidelines
Arizona’s legal guidelines and laws concerning non-owner automobile insurance coverage are important for understanding your rights and obligations. These laws Artikel the required minimal protection quantities and any restrictions on protection varieties. Additionally they make clear the obligations of each the automobile proprietor and the non-owner, guaranteeing a complete understanding of the authorized ramifications. Understanding these particulars helps keep away from potential points and ensures you are adhering to all relevant legal guidelines.
| Useful resource | Description | Hyperlink (Instance) |
|---|---|---|
| Arizona Division of Insurance coverage | Official state company overseeing insurance coverage operations in Arizona. Offers client assets, laws, and details about licensed insurers. | (Insert precise hyperlink right here) |
| State Farm | Main insurance coverage supplier providing non-owner automobile insurance coverage. Offers detailed coverage info and on-line quoting instruments. | (Insert precise hyperlink right here) |
| Allstate | Massive insurance coverage firm with a variety of insurance coverage merchandise, together with non-owner auto protection. Offers details about coverage varieties and prices. | (Insert precise hyperlink right here) |
| Liberty Mutual | Nationwide insurance coverage firm providing numerous insurance coverage merchandise, together with non-owner automobile insurance coverage. Offers details about protection and insurance policies. | (Insert precise hyperlink right here) |
Final result Abstract: Non Proprietor Automobile Insurance coverage Arizona
In conclusion, securing Arizona non-owner automobile insurance coverage entails understanding your protection choices, the obligations concerned, and the steps for submitting claims. By fastidiously contemplating these elements, you possibly can proactively defend your self and make sure you’re ready for any unexpected circumstances. This information serves as a helpful useful resource for making knowledgeable choices about your automobile insurance coverage wants.
FAQ Insights
What are the everyday protection limits for legal responsibility insurance coverage in Arizona?
Legal responsibility limits in Arizona usually vary from $25,000 to $100,000 per particular person and $50,000 to $300,000 per accident. All the time test together with your particular insurance coverage supplier for exact limits.
What paperwork are wanted to acquire non-owner automobile insurance coverage in Arizona?
The required paperwork fluctuate by supplier however usually embrace proof of id, automobile info (the automobile you are driving), and proof of residency.
Are there particular conditions the place non-owner automobile insurance coverage is required in Arizona?
Arizona legislation usually mandates non-owner automobile insurance coverage for those who’re driving a automobile that is not registered to you.
What are frequent exclusions in non-owner automobile insurance coverage insurance policies in Arizona?
Widespread exclusions may embrace protection for autos used for enterprise functions, autos with sure modifications, or autos that are not recurrently maintained.
