Car insurance (auto insurance)

This type of insurance is compulsory in the vast majority US states. Uninsured car they simply will not registered. Moreover, for example, in New York you will need even have not one but three types of insurance: 1. No-faultinsu ranee – to compensate for the loss of all those affected in the accident, which was your car that is paid in any case, regardless of the extent of your guilt, as well as for compensation medical expenses and income you have lost because of the accident. 2. Laibility insurance – to compensate for the damage caused by you to others persons or their property;

[wp_ad_camp_1] 3. Uninsured motorist protection – for damages caused to you an uninsured driver. This latter view is provided only by the laws of New York State, the minimum the amount of insurance on it is 10 000 dollars. The maximum amount of the first sight of 50 000 dollars, the minimum for the second – 5000. In addition to these compulsory insurance, there are many additional. For example, health insurance in the accident, irrespective of its originator, in excess of the minimum, phisical damage coverage, i.e. car insurance against any damage, regardless of the cause, theft effect of your insurance can be extended not only to the whole territory of the United States, but also in Canada and much more. Here we note also that the minimum insurance we recommend buying Only if you have a used car that you can more easily pass in a landfill than pay for the repair of an accident or breakdown. In all Otherwise, the minimum insurance is not enough to achieve an acceptable level of financial security in the event of unforeseen circumstances. You need to know the term deductible, which means the minimum the level of damage for which the insurance company begins to fulfill the conditions contract and compensate for your loss. Lower costs, excluding special the case of automotive glass insurance, the firm is not required to reimburse. Sum This is defined in the contract is less than $ 100, it can not can. So in case of an accident, the consequences of which cost you 99 dollars, will pay the entire amount yourself and spending $ 101 will cover the company, and in this case it compensates you 1 dollar. This amount can be prohibitively high and range from 500 to 3000 dollars and even more so in the case if you take a car. But it You can enroll in a different way, for example, to buy so-called Collision Damage Waiver (CDW) – exemption from payment for the damage that would be It costs about $ 12 a day. You can buy insurance on a the corresponding number of days. Whatever it was, but without any kind Insurance a car you just will not give.

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