In the vast majority of States it is impossible to buy a car, having no car insurance, you simply will not sell. If you did not watch what about it and came to buy a car, you will be offered to conclude an agreement and get immediate insurance insurance company.
Automobile insurance in the United States includes 6 basic types.
The first two types are most important, and therefore binding on all almost everywhere in America. This is liability insurance for injuries the policyholder to another person or persons and damage to property as a result of the accident. Each State determines the minimum size of insurance cover accidents. In the United States use three digits that tens of thousands of dollars show these limits. For example, in California the following parameters: 15/30/5. This means that the customer must have a policy with a minimum liability insurance in case of injury and material damage at the rate of 15 thousand. dollars, if one person was injured, 30th. dollars if more than one person injured and 5 thousand. dollars to cover property damage. In the State of New York and the District of Colombia, where is American capital, the same parameters-25/50/10, and Alaska-50/100/25.
Automobile insurance in the United States includes 6 basic types.
The first two types are most important, and therefore binding on all almost everywhere in America. This is liability insurance for injuries the policyholder to another person or persons and damage to property as a result of the accident. Each State determines the minimum size of insurance cover accidents. In the United States use three digits that tens of thousands of dollars show these limits. For example, in California the following parameters: 15/30/5. This means that the customer must have a policy with a minimum liability insurance in case of injury and material damage at the rate of 15 thousand. dollars, if one person was injured, 30th. dollars if more than one person injured and 5 thousand. dollars to cover property damage. In the State of New York and the District of Colombia, where is American capital, the same parameters-25/50/10, and Alaska-50/100/25.
19. The third type of insurance-personal protection in case of injury. It covers medical expenses and financial losses as a result of the temporary incapacity the policyholder and passengers in his car at the time of the accident, regardless of who the culprit. Such a policy is important, if caught in an accident people is not very high coverage for their medical insurance or don't have it. If health insurance is expensive and provides high coverage, the third type of discounts on insurances can be waived or take it to a minimum. In several States, including New Jersey, California and Washington capital, it is not obligatory.
The following two types of insurance are not required for American zones. The first is collision insurance, when covered by the material damage caused to the vehicle the policyholder's fault as a result of collision with another vehicle or stationary subject-post, hydrant, wood, etc. the second-"comprehensive insurance" that covers damages a result of flood, fire, hurricane, earthquake, as well as in cases of vandalism and theft of cars, that is, when it is impossible to find the culprits. These two types of insurance imply costs for repair within acceptable market price minus the amount the policy holder must pay in accordance with the concluded contract with the insurance company.
Despite the fact that the collision insurance and disaster relief is not required under the laws of States, these types of policies are working.
Choosing the best insurance policy to the driver of the vehicle in the United States is difficult. In America there are many insurance companies that offer a large number of different insurance schemes. They take into account the age of the motorist, district of the city, where a machine at night, the approximate daily mileage, the primary purpose of machines (business or entertainment), how many traffic violations within five years, car make and year of manufacture, and much more. All these data are used to calculate the optimum size of insurance coverage and corresponding daily premium.
The following two types of insurance are not required for American zones. The first is collision insurance, when covered by the material damage caused to the vehicle the policyholder's fault as a result of collision with another vehicle or stationary subject-post, hydrant, wood, etc. the second-"comprehensive insurance" that covers damages a result of flood, fire, hurricane, earthquake, as well as in cases of vandalism and theft of cars, that is, when it is impossible to find the culprits. These two types of insurance imply costs for repair within acceptable market price minus the amount the policy holder must pay in accordance with the concluded contract with the insurance company.
Despite the fact that the collision insurance and disaster relief is not required under the laws of States, these types of policies are working.
Choosing the best insurance policy to the driver of the vehicle in the United States is difficult. In America there are many insurance companies that offer a large number of different insurance schemes. They take into account the age of the motorist, district of the city, where a machine at night, the approximate daily mileage, the primary purpose of machines (business or entertainment), how many traffic violations within five years, car make and year of manufacture, and much more. All these data are used to calculate the optimum size of insurance coverage and corresponding daily premium.
20. Maximum contributions paid by foreigners who have no history of driving cars in the United States. Only after 2-3 years, when a story appears, for these contributions may be reduced. Therefore, the insurance premium for the alien immediately after his arrival in New York could be established in the amount of up to 7 thousand. dollars per year. Obtaining u.s. driver's license, this amount may be lowered by 2 thousand. dollars, and after a few years of driving in New York, a foreigner may reduce insurance premiums for another couple of thousand dollars. And all of this is subject to accident-free driving and there are no problems with the police.
To property insurance also applies to real estate insurance (home insurance). It provides indemnity for damage to real estate without any reason and under any circumstances. This type of insurance is often also applied to subjects of household items, Home technology, other movable property located in the insured object.
Home insurance in the United States is the second insurance premium collected, concedes he's only car insurance.
To property insurance also applies to real estate insurance (home insurance). It provides indemnity for damage to real estate without any reason and under any circumstances. This type of insurance is often also applied to subjects of household items, Home technology, other movable property located in the insured object.
Home insurance in the United States is the second insurance premium collected, concedes he's only car insurance.
21. In the United States insurance policies have a high degree of unification of insured risks. Nationwide used all seven major types of policies. Of the standard tools will probably individual homeowner's insurance. Common additional conditionalities are usually insured claim inflation, giving some increase in the cost of the policy, as well as franchise, that is the minimum level of loss that the insured covers yourself. The most popular franchise in 250, 500 and 1000 dollars. The franchise is very attractive for your insured, because it allows to reduce insurance rates for 20-30%.
In addition to homes can be insured separately standing building: garage, pool, etc., within 10% of the value of the House, and green areas-up to 5% of the value of the House.
There is a separate type of real estate insurance designed for tenants. It provides compensation for the damage caused to the rented property and movable property. Thus, the lessee does not have to pay the landlord the damages caused by himself or by another person during transport, such as personal effects (baggage during transportation), including jewelry, furs from damage when worn in the home environment and other circumstances.
Home insurance, which is used as a working premise, for example, small entrepreneurs or individuals of the liberal professions are other tariffs and policies (Small Business Insurance). The reason for this is the large saturation of such housing social appliances and equipment, as well as more free access of third parties in such apartments-offices. Insurance companies carefully monitor the nature of use of the insured housing, denying payment of "violators of the Convention".
United States citizens have over the years developed a kind of jerk on home insurance. It is not only in the current MEDIA spectacular scenes of devastation by typhoons and hurricanes. Almost all dwellings sold in installments, and one of the prerequisites for credit is insurance purchased 22 houses or apartments.
2.3 distribution. Analysis of distribution channels of insurance services
Worldwide agents and brokers are the main sales channel of insurance products. In the United States intermediaries obsuživaût 95% of the market.
To work with individuals often use agent networks and corporate clients-brokers.
Insurance agents act on behalf of and on the instructions of the insurer, and brokers on its own behalf and on behalf of the insured and the insurer. The agent acts as a participant of the market of insurance services from the supply side, i.e. the priority for him are the interests of the insurer and therefore regulated agents are usually not separately but together with insurers. Insurance broker in developed countries typically serves the interests of the insured, so brokers is regulated by the State, by means of special forms and methods.
In United States law agents may have varying degrees of independence:
insurance companies agents work for one company, represent its interests and tend to not only enter into a contract, but continue to maintain customer service after the entry into force of the Treaty;
independent agents may work simultaneously on several insurance companies, choosing for the customer the optimal insurance protection for various kinds of insurance.
In addition to homes can be insured separately standing building: garage, pool, etc., within 10% of the value of the House, and green areas-up to 5% of the value of the House.
There is a separate type of real estate insurance designed for tenants. It provides compensation for the damage caused to the rented property and movable property. Thus, the lessee does not have to pay the landlord the damages caused by himself or by another person during transport, such as personal effects (baggage during transportation), including jewelry, furs from damage when worn in the home environment and other circumstances.
Home insurance, which is used as a working premise, for example, small entrepreneurs or individuals of the liberal professions are other tariffs and policies (Small Business Insurance). The reason for this is the large saturation of such housing social appliances and equipment, as well as more free access of third parties in such apartments-offices. Insurance companies carefully monitor the nature of use of the insured housing, denying payment of "violators of the Convention".
United States citizens have over the years developed a kind of jerk on home insurance. It is not only in the current MEDIA spectacular scenes of devastation by typhoons and hurricanes. Almost all dwellings sold in installments, and one of the prerequisites for credit is insurance purchased 22 houses or apartments.
2.3 distribution. Analysis of distribution channels of insurance services
Worldwide agents and brokers are the main sales channel of insurance products. In the United States intermediaries obsuživaût 95% of the market.
To work with individuals often use agent networks and corporate clients-brokers.
Insurance agents act on behalf of and on the instructions of the insurer, and brokers on its own behalf and on behalf of the insured and the insurer. The agent acts as a participant of the market of insurance services from the supply side, i.e. the priority for him are the interests of the insurer and therefore regulated agents are usually not separately but together with insurers. Insurance broker in developed countries typically serves the interests of the insured, so brokers is regulated by the State, by means of special forms and methods.
In United States law agents may have varying degrees of independence:
insurance companies agents work for one company, represent its interests and tend to not only enter into a contract, but continue to maintain customer service after the entry into force of the Treaty;
independent agents may work simultaneously on several insurance companies, choosing for the customer the optimal insurance protection for various kinds of insurance.
23. By definition, the International Federation of insurance intermediaries (The Entire World Federation of Insurance Intermediaries), "insurance brokers are typically on the side of the insured person and act independently in relation to insurance companies. Brokers help their clients in the selection of insurance programs between different variants of insurance products and insurance companies. Acting as "agent" vis-à-vis the buyer, brokers usually work with numerous insurance companies, placing their clients risks. "
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