First: no insurance or low coverage of insuranceThis is a very strange insurance.Accident responsibility is not in himself, but has a fault of the other physical injury, and no insurance or, or amount is very low, unable to pay some or all of the cost of treatment, so you have to pay for him.In the United States, there are a lot of poor people do not buy car insurance, then makes the laws in some states, encountered this kind of circumstance is paid by the party without fault but with insurance treatment.In these states as a result, the insurance is mandatory, very unfair.Fortunately, the cost is very low, generally at about $10 to 20.
The second: liability insuranceThe law requires owners must buy.When drivers for their own fault or damage caused to the other party the car body is injured, the insurance company will pay for the loss caused by the.But this insurance does not pay ZhaoShiRen own car and body damage.If ZhaoShiRen caused to the other party's loss more than, the sum of a part of the insurance company will not pay the excess.In other words, this is a kind of quota compensation, liability insurance usually around $300 to $400 a year.Car loss highest claimed in 10000 to around $10000, highest body injury compensation in 1 to 30 dollars.
The third: collision insuranceThis insurance is actually the first extension and supplement of the liability insurance, people used to pay for driving their own faults and their cars and physical damage.Many people with new or expensive cars will buy the insurance, in case of damage by their own their own cars.
Item 4: accident insuranceThe main compensation due to theft and damage from the natural environment.In many big cities in the United States, the car is stolen or smashed things happen.To live in a big city and there are new or good car, spent about $100 a year to buy this kind of insurance, can alleviate much trouble back at home.But the person that lives in a small town or area of public security is good, it is not to buy.This insurance also pays for loss caused by accidents, such as car on the roadside, trees fell in the car damage, etc.
The above four buy insurance is called full insurance, the insurance premium from six or seven hundred dollars to thousands of dollars.Premiums vary so much, it is because of individual, car type, the different factors such as the living area.Even if the same item of insurance, sold to different people, can make a big difference.Generally speaking, what's the insurance premium and insurance project amount, the coverage limit, co-payments height, and the age of policy-holder, gender, driving experience, an illegal recording, smoking status, marital status, place of residence, and car value has a direct relationship, etc.Basically, the more insurance project, and the higher premium;The higher the value of the car, and the higher premium;While living in big city traffic congestion, the premium is far more than the small city or town
States, the United States there is a car rental insurance, regional insurance cost is different also, about the daily for about $10 to 20.In general, you buy insurance for their car, can also be used for your car.If you bought his car has a full insurance, can not buy car insurance.Such as your car only have liability insurance, it must be for rent car collision insurance and accident insurance, otherwise once an accident, you will be able to pay large sums of money.
After buying a car insurance, the insurance company will give you a lot of data and documents, including a small card, above the record with your name, address, cars, car number, delivery time, and the insurance company name, contact telephone and effective time etc.This piece of card to carry, once had a car accident, no matter who's responsibility should immediately notify your insurance company.So the faults of others, more to its name, telephone, car number, vehicle type, time and place of the accident, and the insurance company, notify your insurance company.If your car is damaged, should be after testing by insurance company, then sent to the designated factory evaluation and repair
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