U.S. insurance companies are all kinds of auto insurance, but usually include four items:
The first: Liability Insurance
The law requires that vehicle owners to buy. When the driver of the other cars due to their own negligence caused damage or physical injury, the insurance company will pay the damage caused. But the perpetrators of such insurance does not pay his car and physical injury. If the perpetrator of the damage caused by the other party more than the sum insured, the insurance company will not pay the excess portion. In other words, this is a there is a limit of compensation. Liability insurance is usually about a year between 300-400 U.S. dollars. The maximum compensation amount of vehicle damage 1-50000 U.S. dollars at about the maximum compensation amount of physical damage in the range 1-300000 U.S. dollars. Major cities such as New York, Washington, Los Angeles and so on, higher insurance premiums than in smaller cities because the cities likely to be involved in an accident is much higher than small cities.
The second: Collision Insurance
This insurance is actually an extension of the first and the supplementary liability insurance to cover the man’s own fault for driving in their vehicles and causing bodily injury. Many have a new car or expensive cars people will buy this insurance, to prevent damage due to no fault of their own their own cars.
The third: Accident Insurance
Mainly due to theft, as well as compensation for the losses caused by the natural environment. In many U.S. cities, cars stolen or smashed things that have occurred. Living in large cities, while new car or a good car people, spend a hundred dollars a year to buy such insurance, could save a lot of worry. However, in small towns or the safe regions are populated by people, not necessarily non-bought-not. The insurance also covers damage due to accidents, such as cars parked on the roadside, trees falling in the vehicle causing damage.
Fourth: Paul the other side without insurance or the insured amount of insurance is too low
For us, this is a very strange insurance. Responsible for the accident although not in their own, but the fault of the other party bodily injury, and either do not have insurance, or the amount of insurance is very low, unable to pay some or all of the treatment cost, so you have to pay for him. The United States there are many poor people do not buy car insurance, so in some states enact laws have encountered such a situation is by no-fault insurance, but the party paying for treatment. A result, the insurance in these states became mandatory, and very unfair. Fortunately, this insurance cost is very low, usually about 10-20 yuan.
All the above four insurance to buy is called the full insurance premium from the six or seven hundred dollars to several thousand dollars. Such a large difference in premiums is the result of individual car owners, car type, area of residence and other factors differ. Even with an insurance policy sold to different people, there will be very different. In general, the amount of insurance premiums and the amount of insured items, the amount limit, pay the amount of high and low, and the insured’s age, gender, driving experience, non-compliance records, smoking or not, marital status, place of residence and car value are directly related. Basically, the more items are insured, the premiums are also higher; car is worth the higher premiums are also higher; while living in large cities with heavy traffic, the premiums than smaller cities or towns is much higher.
Owners of the relationship between the individual and the insurance costs are mainly three: First, owners of age. Too young or too old, the premiums are high, between the ages of 30-45 drivers lower premiums. The second is how much driving experience. There were more than five years driving experience, premium driving experience and fewer people than the much cheaper. The third is whether this record. No traffic violation records of people, insurance premium than those with non-compliance records were much lower. In addition, whether marriage is a more important factor.
The United States there is a car rental insurance, state insurance premium each region are different, about a day for about 10-20 U.S. dollars. In general, you give your car to buy insurance, but also can be used for your rental car. If you have already bought their own car, full insurance, you can not buy car rental insurance. If you bought your car only liability insurance, then it shall be bought for rental car collision insurance and accident insurance, otherwise, a judge, you will be compensation for large sums of money.
After buying the car insurance, the insurance company will give you a lot of information and documents, including a small insurance card, recording your name, address, model, number, date of manufacture, as well as insurance company name, Contact telephone and insurance effective time of such information. This insurance card to carry in the event of accident, regardless of whose responsibility it should immediately notify their insurance company. The case of other people’s fault, but also to his name, telephone number, vehicle accident occurred time and place, and the insurance companies recorded, notify your insurance company. If your car is damaged, after the vehicle examination by the insurance company, and then deliver them to the depot assessment and repair.