Car insurance, in the United States and elsewhere, is designed to absorb most of the risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages.
Insurance in the United States completely at the mercy given to the states, which can set their own requirements. In most states, a system of insurance of the United States, similar to the Russian CTP, that is, mandatory liability insurance in case of injury or property of third parties. Although there are exceptions - for example, in New Hampshire party liability insurance is not required, and in one of the oldest states in the country - Virginia - instead of the insurance can pay the budget amount of $ 500, which is not at all analogous to the insurance, but simply allows you to register a car without policy. And here in North Carolina driver's license generally can not be obtained before you present a valid insurance.
Uninsured Motorist Bodily Injury (UMBI) - covers a moral damages and injuries when hit by an uninsured, we (or underinsured) driver. That is, if the perpetrator of the accident does not have enough Liability Coverage. To take cover to take it at the same rate in which we take Liability for your car, no less. The principle is that the need to insure themselves no worse than we insure themselves against strangers.
Uninsured Motorist Property Damage (UMPD) - covers damage to our car in the same circumstances, that is, if we are hit by an uninsured (or underinsured) driver.
If we are damaging our car, the damage would be covered under either Collision (physical collision with a car, house, curb, rolling over) or under Comprehensive (all the rest - a collision with an animal, theft, vandalism, hail, flood, etc.). . Collision and Comprehensive may be purchased with different deductible (the amount paid by the insured before the insurance company begins to pay). Vybiryaa deductible bigger, people will save on insurance costs, but loses in the event of an accident. If a person goes many years without a single accident, then it makes sense to think about the high deductible on Collision, for example, $ 1,000 for Comprehensive, which is ridiculously small, you can go for $ 250, because the savings is not much to anything.
Medical Coverage - it's pretty interesting cover. A few thousand dollars, usually 5.2 thousand purchased under this article shall be spent without finding the culprit. If you need medical care for a large amount, the flow goes to the Liability of the guilty. Here we do not identify the culprit. Help (bandage, plaster put, doctors nga several stages to go, x-rays, and so on.) - That is, is money. Idea is that the man who helped right away and treated like human beings will be judged not so much as a man wronged.
This list contains the top ten best car insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.