When choosing a car insurance company, first of all should pay attention to pick a run time is long, the credibility of a good company, so that one thousand have the accident, compensation up more quickly.Another is the insurance premium, attention should be paid to the factors suggest that had better be to more carefully before you make a decision after the insurance premium of insurance companies.
Driving in the United States, because of the traffic accident compensation amount is large, expensive medical bills, so most state laws forced the owner to buy insurance, in the absence of buying car insurance Besides, it is illegal to drive a motor vehicle under the act.Drive us there are three things must carry or put in the car, driver's license, driving license and insurance card.If you have any illegal or when driving was asked by the police, these three are short of one cannot, if you are not able to provide car insurance material, the police have the power to Sue you, light is fine, or go to jail.
There are A lot of selling auto insurance companies in the United States, more famous with Geico (Financial StrengthA++ Issuer Credit aaa), Progressive (Financial Strength A + Issuer Credit aa), State Farm (Financial Strength + Issuer Credit aa +), aaa auto insurance, Allstate auto insurance and American Family and so on.When choosing a car insurance company, first of all should pay attention to pick a run time is long, the credibility of a good company, so that one thousand have the accident, compensation up more quickly.Another is the insurance premium, attention should be paid to the factors suggest that had better be to more carefully before you make a decision after the insurance premium of insurance companies.A typical automobile insurance policy mainly includes: personal injury liability, property damage, medical and disability, collision and uninsured and the compensation of over-quota security (when run driver; car without insurance, or the amount of compensation required in excess of the limit its buying car insurance claims compensation, etc.).
All risks (Full Coverage) :
After you buy the car insurance all risks, as long as you drive, or the person registered on the car insurance clause driving, by the insurance company insures this car any kind of happened Therefore, no matter where do the responsibility of the accident, the insurance company will want to to the insurer for compensation, pay your car and your own body injury, also pay the other side of the car at the same time, pay the other people and property.All risks (FullCoverage) also includes cars are stolen, fire or natural disasters, and so on.In the United States, the average new car to cast all risks, but even if the insurance company to pay in full, the accident of the parties will according to the detailed terms and conditions when buying insurance to pay about $500 to $1000 in fees.Bought cars all risks in China, the car has a little scratch, car owners also want to go to the insurance company, in the United States is different, if the car repair costs no more than a certain amount of words, the insurance company is not responsible for compensation.Small scratches are generally owners buy yourself some scratch repair products.
Half a bartender (Liability) :
If you buy a half, no matter what the car accident, no matter who is responsibility, insurance company is only responsible for the compensation of the other car, the damage taken by the other people and property losses.Don't pay you, and your car.This way of insurance for the price is cheaper, will give customers save a lot of insurance cost, because the insurance company just keep each other's body injury, the other side of the car loss and damage to property.This half (Liability) is also the most basic law of motor vehicle insurance requirements.Generally speaking, good driving technology, drive cars or economic condition is not too rich friend will buy such insurance.
Single (Binder) :
Single cover is a kind of short-term insurance provided by the car dealer.This kind of car insurance is when you buy the car in car sellers, general automobile dealer will let you in the car dealer purchased or send to you some time and a certain amount of car insurance, at least let you buy new cars can have car insurance in case the car drive home.Only responsible for the insurance to protect you during a certain period of time the car accident, the insurance does not cover you of person, also don't cover the other side of the car, and property.This insurance or by the car dealer to sell you insurance is temporary in nature, less a day or two, more than a month.
Insurance card:
After buying a car insurance, the insurance company will give you a lot of documents, including a small card, above the record with your name, address, cars, car number, time of production, as well as the effective insurance company name, contact phone number and time etc.This card must carry, once had a car accident, no matter who's liability shall be immediately inform your insurance company.So the faults of others, more to its name, telephone, car number, models, time and place, in the direction 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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