The U.S. auto insurance types is introduced

U.S. auto insurance categories (hereinafter referred to as "coverage") is multifarious, various insurance companies and insurance coverage set specification is different also.However, the main plant nearly the same, usually divided into two categories: compulsory insurance and compulsory insurance.
Compulsory insurance generally referred to as the "liability insurance", including two kinds of bodily injury liability and property damage liability insurance.
The compulsory insurance of insurance is the owner voluntarily, the compensation object is policy-holder his own side person, vehicle and the vehicle property damage, generally has the following four:

1, personal injury risk: to pay the driver and the car all the occupant of the medical treatment, funeral expenses for salary expenses and losses due to traffic accident.
2, no insurance or insurance driver by the lack of risk: the insurance for the accident responsible party (each other) without insurance or insurance coverage is too low, unable to pay or not full specified amount pay a responsibility, such as the loss of his own side), the payment of the loss of his own side.In other words, is "no-fault but have insurance side of the insurance company to pay his own loss of bodily injury and property damage loss".The danger is planted for not buy car insurance, without the ability to pay, but set up, looked a little strange, and even unfair, but in special areas such as New York, is a compulsory insurance polices.

3, vehicle all risks: also known as the "traffic accident", used for payment of a party other than the crash their vehicle accident loss, such as stolen, robbed, smashed, fire or accidental damage, etc.(crashes in the United States is very frequent, so the single coverage)
4, crash risk: to pay his own side when the crash damage of the vehicle.
- in addition, the insurance company has also set up various auxiliary is planted for the owner the freedom to choose, such as mechanical damage risk, roads emergency (trailer service, car rental, compensation, etc.