Long hands itching to write a small guide on this topic with a clear specificity for beginners. In principle, I see a lot of different people and what they have shared problems, but it's on my mind. I would like to see the problems of insurance through the eyes of a newcomer and need help, who can share their personal experience or expertise. We are interested in the PAIN POINTS. What worries? Where is it? In that vlâpyvaemsâ against their will? Who offends us and how exactly? Is there any sense in insuring cars in addition to the inevitable obâzalovki? Do something besides price? Do I need a general agent or better just going online?
Thank in advance all those who will speak. And I will sculpt the "brick", taking into account people's pain and forum posting. Then Forum users pogonâût it from all sides and, with modifications, will be a worthy and useful collective project.
CAR INSURANCE IN THE UNITED STATES
Insurance plays a vital role in the life of American society, and family life. We'll talk about car insurance simply because everyone with these encounters almost immediately upon arrival in the country. Demand for other types of insurance arose later, as incomes, real estate, preparation for retirement, and so we are going to talk about that somewhere else.
Will focus on the following issues:
1. Why do I need to insure
2. Cover: what we need and to what extent
3. What affects the cost of insurance. What you can and what you cannot save.
4. As insurance companies sell insurance policies
5. Where to acquire insurance-agents, brokers, direct (online, by phone, etc.)
6. Nonsense dog-myths and reality auto insurance and American life in General
7. Kidalovo and how to avoid becoming a victim of con men
8. What to do in typical situations
1. Why do I need to insure
Insurance is regulated legally at the State level, not at the federal level. It follows a very simple and important
Conclusion No. 1-you can only Trust information from a specialist in insurance in your state. Any information for other States can be absolutely inapplicable outside these States.
Our narrative will be carried out in relation to the State of California, and the author of these lines is a licensed insurance agent.
Almost all States (there are exceptions) car insurance is required in a portion of a LIABILITY (civil liability), i.e. If we hurt outsider. The amount of coverage required varies from State to State. For example, in California, this amounts to $ 15.000 bodily injury to one victim and to $ 30.000 for more than one. In addition, liability for damage to someone else's property-$ 5.000. This is all per èksident. Commonly used fractional entry for expression size cover. Record 15/30/5 matches that described above cover the State of California, which every driver must have by State law.
Driving without insurance is a serious crime and severely punished.
Council for life: never engage in any relationship with people that drive a motor vehicle not insured, or talk about what is possible, justify why this form of crime is nothing to worry about. These people are on your way to bigger trouble-do not need to make them company.
According to police statistics, California 28-30% of drivers do not have any insurance. Add to this the same percentage of men and women with minimal trebuemon what the law states covering so you'll realize that if you happen to something serious on the road, the chance to get money from the perpetrator. From here
Conclusion No. 2-meaning that in case of troubles you cover someone else's insurance-need to have their.
States are divided into
-At Fault (for example, California-the victim pays the culprit of the accident insurance)
-No Fault (example, Arizona-irrespective of the guilt of your damage reimburse your insurance)
Conclusion No. 3-it is necessary to know what system in the State where you live or intend to live.
If a person is practically a pauper and is going to remain virtually penniless until the end of his days, driving without insurance it logistics does not strain-he had nothing to take. In all other cases, the amount of insurance should protect the driver from the judicial recovery through property and income (including future income).
In addition, arguing about why the driver should be insured, we should know that there is in our lives of other classes which are approaching hazards the danger of driving the car. Therefore, you have to wonder did I type this bastard that will risk the lives and health of other people to save ten-another month for their crippled life? "
2. Cover (coverages): what we need and what we predelahU there is no task to go through all available surfaces, possible in the world of auto insurance. To do this, there are a lot of online sources, books, and, last but not least, your insurance agent. We, on the contrary, we will try to see the problem as a whole, not fudging its too small details.
Liability Coverage is when we judge or judge may, irrespective of the validity of the claims, and no matter what the case is over, hit it in the Court. 95% of the cases before the Court do not reach because the parties reach a settlement or one party sends another and that calms down, do not think the Court. Insurance company on this article pays for us not only the damage that we brought towards the health or property of others. In addition, it pays for litigation cost, i.e. the rate of vexation. Sometimes without any compensation, simply to defend from a totally absurd claims, leave tens of thousands of lawyers.
Man cannot be judged by an amount greater than its assets, including bank accounts, equity in real estate, stocks, which is crucial for beginners-garnishment of wages (payroll deduction to 10 years with all members of the family at the rate of 25%). That is, young family, which arrived a month ago, Rob nechego. But, within 10 years, the husband and the wife may earn together for example, 160 thousand per year. Then they can keep for 10 years 400 thousand dollars. In what situation the perpetrator of the accident, the Court will select all he has? -in case of death of a person, in case of disability. The amount of damage also depends on the viability of the victim. Moral damages (pain and suffering) serious lawyer or doctor, proležašego three months in plaster, is much more expensive than the same for stroitel′nogogo.
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