It is clear that we as drivers cannot control nor how many foreign cars we harm in the event of an accident, nor their prices, nor the number of traveling to these drivers and passengers, nor the seriousness of their injuries, nor the cost of subsequent treatment. Therefore, to determine the amount of liability insured we assume the worst. Something so bad through no fault of our own, that we want to take away everything you can, to the Max. How many of us can take away, if you take away everything, including 25% of salary for the next 10 years? On this amount and need to insure the liability as it is responsible for damage to human health (Bodily Injury-the initial two the different parts of our fraction).
Very soon there will probably come a time when $ 500.000 maximum coverage offered at avtostrahovke. Only then do we need additional coverage by means of Umbrella Insurance. The need for insurance coverage varies in time. Where we have a very important Conclusion No. 4-the amount of insurance coverage you need to periodically review, balancing it with the growth of potential liability.
Uninsured Motorist Bodily Injury (UMBI)-covers our moral damages and personal injuries in a case where we are hit by uninsured (or insufficiently insured) driver. That is, if the offender does not have enough Liability Coverage. Take take this cover at the same extent that we take Liability for your car, no less. This principle, that insure themselves need no worse than we insure yourself from strangers.
Uninsured Motorist Property Damage (UMPD)-covers problems for our car in similar circumstances, i.e. If we are hit by uninsured (or insufficiently insured) driver.
If we have damaged our car, the damage will be covered by either article Collision (physical collision with the car, the House, border, CURL) or Comprehensive (everything else-collision with animals, stealing, vandalism, hail, flood, etc.). Collision and Comprehensive, you can buy with different deductible (the amount paid by the insured before the insurance company starts to pay). Vybirâa deductible, people saves on the cost of insurance, but loses in the event of an accident. If a person spends many years which, it makes sense to consider high deductible on Collision, for example, $ 1.000 For Comprehensive, that is worth the ridiculously small, can go for $ 250, as save not on anything.
Medical Coverage is pretty kinda coating. A few thousand dollars, usually 2-5 thousand purchased in this article are spent without finding out the perpetrator. If you need medical assistance for a large sum, the Liability of the perpetrator will go with consumption. Here the perpetrator did not identify. Need help (bandage, plaster put to doctors NGA a few receptions go, x-rays, etc.)-that is, there is money. The idea is that the man who helped immediately and treated humanly will not suing as often as people resentful.
3. What affects the premium (the price of the insurance policy) factors influencing the insurance cost quite a lot and that it was important to know-there are differences between companies in how they look at those or other problems and in what ksidki and what they offer.
Moreover, it is very important to understand that the agent or broker representing a company knows about ways to reduce the cost substantially more than we can think about it. Moreover, among the experienced and knowledgeable agentoa are such, who works with a large number of new immigrants-they know more nûnsov the pull from the system the best price. Because beginners insurance has its own characteristics.
So, the insurance cost depends on:
-car (price, age, model, there are some established technical details). Agent entering into the system the VIN (vehicle identification number) is a 17 digit combination of numbers and letters that instantly gets all information about the car in its factory manufacture.
-use of the car (commute, pleasure) and annual odometer (mileage). Responding to questions about mileage newcomers often say something inappropriate, for example, 10 thousand per year. Good gracious, no work, or it yes it goes on foot (travelling by tram). Where 10 thousand? Why buy something that is not yet a fact of life? Very often people have clogged the inflated figures.
-the driver is driving experience, tickets and èksidenty for the last 3-6 years
-territory, literally zip code where the vehicle is left over night
-a set of coatings (liability, property, medical, towing, rental car, glass deductible buyback)
-magnitude of deductible and coverage
-Special discounts (discounts)
Uninsured Motorist Bodily Injury (UMBI)-covers our moral damages and personal injuries in a case where we are hit by uninsured (or insufficiently insured) driver. That is, if the offender does not have enough Liability Coverage. Take take this cover at the same extent that we take Liability for your car, no less. This principle, that insure themselves need no worse than we insure yourself from strangers.
Uninsured Motorist Property Damage (UMPD)-covers problems for our car in similar circumstances, i.e. If we are hit by uninsured (or insufficiently insured) driver.
If we have damaged our car, the damage will be covered by either article Collision (physical collision with the car, the House, border, CURL) or Comprehensive (everything else-collision with animals, stealing, vandalism, hail, flood, etc.). Collision and Comprehensive, you can buy with different deductible (the amount paid by the insured before the insurance company starts to pay). Vybirâa deductible, people saves on the cost of insurance, but loses in the event of an accident. If a person spends many years which, it makes sense to consider high deductible on Collision, for example, $ 1.000 For Comprehensive, that is worth the ridiculously small, can go for $ 250, as save not on anything.
Medical Coverage is pretty kinda coating. A few thousand dollars, usually 2-5 thousand purchased in this article are spent without finding out the perpetrator. If you need medical assistance for a large sum, the Liability of the perpetrator will go with consumption. Here the perpetrator did not identify. Need help (bandage, plaster put to doctors NGA a few receptions go, x-rays, etc.)-that is, there is money. The idea is that the man who helped immediately and treated humanly will not suing as often as people resentful.
3. What affects the premium (the price of the insurance policy) factors influencing the insurance cost quite a lot and that it was important to know-there are differences between companies in how they look at those or other problems and in what ksidki and what they offer.
Moreover, it is very important to understand that the agent or broker representing a company knows about ways to reduce the cost substantially more than we can think about it. Moreover, among the experienced and knowledgeable agentoa are such, who works with a large number of new immigrants-they know more nûnsov the pull from the system the best price. Because beginners insurance has its own characteristics.
So, the insurance cost depends on:
-car (price, age, model, there are some established technical details). Agent entering into the system the VIN (vehicle identification number) is a 17 digit combination of numbers and letters that instantly gets all information about the car in its factory manufacture.
-use of the car (commute, pleasure) and annual odometer (mileage). Responding to questions about mileage newcomers often say something inappropriate, for example, 10 thousand per year. Good gracious, no work, or it yes it goes on foot (travelling by tram). Where 10 thousand? Why buy something that is not yet a fact of life? Very often people have clogged the inflated figures.
-the driver is driving experience, tickets and èksidenty for the last 3-6 years
-territory, literally zip code where the vehicle is left over night
-a set of coatings (liability, property, medical, towing, rental car, glass deductible buyback)
-magnitude of deductible and coverage
-Special discounts (discounts)
1.2 and more cars in the family if they are insured in the same company
2. insurance rentera (renters insurance) or home insurance in the same company where insured cars
3. Occupation (the list is quite large)-Engineer, doctor, teacher, etc. this discount applies to all drivers in the family.
4. Experience with this insurance company (persistency discount)
Keep in mind that the criteria that is defined to give or not to give a discount, vary widely not only from company to company, but, oddly enough, from agent to agent, working for the same company. For example, you give the agent your foreign diploma. He turns and says:
Agent # 1: we are foreign diplomas don't count
Agent # 2: you have èvalûirovat′ it. Here's the phone. Pay 200 dollars to get through the month certificate, send it to me. Without this discount (15%) can not give.
Agent # 3: Now let's make a copy. Then I'll translate it myself and start in production. Get a discount on the first day.
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