If the car is not insured, it will not be registered. The concept "obligatory insurance" was born in America in the beginning of 20th century and constantly develops. Automobile insurance is regulated by laws of each staff separately. In Nju-Gempshire, Tennesi and Wisconsin it is not obligatory. Distinctions in laws of other states are reduced basically to the types of the obligatory insurance accepted there, and also to the minimum sizes of an insurance covering. The policy of assurance begins approximately equally: the understanding of the automobile insurance is an important part of your preparation as driver. In the majority of states it is impossible to get the car, without having the automobile insurance. The car to you will not sell.
Insurance
Automobile insurance in the USA includes six base types: First two types are the most important, that is why obligatory for all. This insurance of responsibility for drawing by the owner of the car of physical injuries to the third party or persons and a material damage of the property as a result of road failure. Each staff defines the minimum sizes of an insurance covering at failures. In the USA three figures which in tens thousand dollars show these limits are for this purpose applied. So, in California following parametres are accepted: 15/30/5. It means that a car the owner is obliged to have the policy with the minimum insurance of responsibility on a case of physical injuries and a material damage at the rate of 15 thousand dollars if one person has suffered, 30 thousand dollars if have suffered more than one person and 5 thousand dollars on a material damage covering. In the State of New York and in district of Columbia where there is a city of Washington, parametres are identical - 25/50/10, and in the State of Alaska - 50/100/25.
The third type of the insurance - personal protection on a case of wounds. It defrays medical expenses and financial losses as a result of time invalidity of the owner of the policy and the passengers who were in its car at the moment of failure, who is not dependent on the one its originator. Such policy is important, if the had an accident person, has not so high covering under the medical insurance or at all has no it. If the medical insurance expensive also gives a high covering it is possible to refuse the third type of automobile insurance, or to take it on a minimum. In a number of states including New Jersey, California and capital - Washington, it is not obligatory.
Following two types of insurance also are not obligatory on the American zones. The first of them this insurance on a collision case when the material damage put to the car of the owner of the policy through his fault as a result of collision with other car or a motionless subject - a column becomes covered, a fence, a tree etc. covering a damage caused as a result of flooding, a fire, hurricane, earthquake, and also in vandalism and carjack cases, that is when it is impossible to find the guilty. These two types of the insurance assume payment of expenses for repair within the limits of comprehensible market prices minus the sum which the owner of the policy according to the concluded contract with the insurance company should pay. In spite of the fact that insurance on a case of collisions and at acts of nature is not obligatory under laws of all states, these types of policies work more often. The insurance policy choice, the driver of a vehicle in the USA, is business difficult. In America there is a set of the insurance companies which offer a great number of various schemes of insurance. Thus they consider age of the motorist, a disctrict of the city where the car contains at night, approximate daily run, a main objective of use of the car, how many there was infringements of traffic regulations within five last years, make of the car and year of release, and many other things. All this data is used for calculation of the optimum size of an insurance covering and a respective insurance premium. The maximum payments pay foreigners who do not have history of driving of the car in the USA. Only after 2-3 years when such history appears, for them payments can be reduced. The insurance payment for the foreigner, right after its arrival to New York can be established in the sum to 7 thousand dollars a year. With reception of the American driving licence, this sum can be lowered on 2 thousand Dollars, and after several years of driving in New York the foreigner can achieve decrease in an insurance payment on pair thousand dollars. And all it under condition of accident-free driving and absence of problems with police.
Insurance
