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Auto insurance in the United States. There is much to learn. PDF

In the United States, it is generally accepted that automobile insurance covers the risks and losses associated not only with driving but also with owning a moving vehicle.

The insurance contract, as a rule, has a set of standard provisions. Among the mandatory information is related to the specifics of the car: year of manufacture, make, engine capacity, as well as special registration numbers of the car. In addition, additional information is always specified: how it is used (what is its average mileage), whether it is used in the pool system (for example, a group of employees takes turns or all together in the same direction). The maximum liability of the insurer must be specified. All the above data and some others are provided on the so-called declarative page.

The contract begins with an explanation of the terms. For example, "your insured car". "Your insured vehicle" may mean both your vehicle and the vehicle that you will purchase during the term of the contract. This means that one, two or more cars can be insured under one insurance contract. Let's say a customer bought a car on a day off when insurers aren't working. And so, the similar General policy available at the client will automatically extend and to the new car. With such a General policy, the client can buy a car anytime, anywhere, get in it and go. Another thing is that he must within 10 days to inform the insurance company that he bought a car, and extend the contract on it. Naturally, such a policy will cost more.

The entire standard package car insurance policy is divided into 5 separate" lines " (sections) of insurance.

Section " A " concerns the responsibility of the client. Speaking about the responsibility of the car Manager, this means that the insurer will cover various losses related to lawsuits for damage caused by their client or for any damages related to driving: damage to someone's property, hit and run, etc.

Section " B " - medical insurance of injuries received when using the machine. The fundamental difference between "A" and "B": in the first case, the client's expenses are insured, in the second he is insured to receive payments for treatment if he is injured. This may also include items that are insured as the Manager of the car, and, say, are with him family members who also had an accident. (Any of the sections of the agreement includes additional conditions, reservations, restrictions as separate objects of insurance coverage.)

"C" - the third subsection provides coverage in the event of damage caused to you by a person who in violation of the law operates an uninsured car, or in the event that the accident was committed by a person and fled the scene of the crime. The technical part of this subparagraph refers to the reimbursement of medical costs that may follow if you receive injuries. As for material damage, it is reflected in a separate subsection.

The following subsection describes in detail the liability of insurance companies for material damage. This subsection contains two more parts: (a) for damages related to a traffic accident and collision and (b) all other damages. This section lists its own set of exceptions. For example, a customer cannot use a car as a taxi. If he uses it as a taxi, for commercial transportation of passengers, then he needs to purchase another insurance policy. If it turns out that the client used the car as a taxi, and entered into a contract without specifying it, he will not be reimbursed.

The next section is the conditions that the customer must meet in order to receive a refund. It begins with a list of your responsibilities in the event of an accident. One of which, the need to call the police and the requirement to immediately begin an investigation. Another example: for medical expenses, the client must agree to be examined by a doctor.

The following subsection contains General exclusions and reservations relating to the entire contract. One, for example, could indicate that coverage applies to a customer if they drive in the U.S., in Canada, or in Puerto Rico. If the accident happened in Mexico, he will not receive compensation. In order to get it, you need to purchase an additional policy.

Everything described above referred to the so-called basic insurance contract. Some States may require other modified insurance coverage. Translated into Russian it sounds like "insurance without fools" — "no fault". It is much wider in coverage.

What is the difference between a standard contract and "insurance without fools"? Within the framework of a standard comprehensive contract, there are 4 types of coverage: material damage, medical insurance, receiving compensation from an uninsured person and material damage caused to your car as property. Within the" no fault " framework, the coverages are grouped in a slightly different way. It consists of three main coatings. First: personal insurance both in case of personal injury by the client and in case of damage by the client to someone else. Property insurance is also grouped in the same way: the insurance of damage to the client's car is fixed, as well as the damage that he will be able to cause, being the culprit of the accident. This also includes coverage of an insured event caused by a third uninsured person. The third group of covers contains other causes: hijackings, hurricanes and other natural disasters.

In fact, the difference between these contracts in the structural organization of forms of insurance coverage. "No fault" contracts significantly reduced the number of disputes and lawsuits compared to the standard version of the contract. This was mainly due to the reduction of legal costs, reduction of operating costs under the "no fault" system.

The question arises: if the system" without fools " is reducing the costs of insurance companies in some places in the United States, where it is accepted, then why other insurance firms on their own initiative will not start to insure under this system in other States? The answer here is purely American. At the state level, there is a fairly powerful lobby of lawyers who saw here a threat to their DOH odes. The fewer lawsuits, the less, of course, work for lawyers. Due to such lobbying in most States, this system has not yet received the character of a law. And the insurance company has the right to impose this form of insurance.

Under the "no fault" subsection of the system, if a customer has caused damage to someone's property while driving a car in the territory of, for example, the state of Michigan, this system guarantees compensation for full material damage to the victim without trial. But only in the territory of Michigan. In other States, there is a trial, who is guilty, who is right, who owes whom what. And taking into account the civil liability, the case will one way or another end in court.

Essential detail: the insurance company in any case does not charge the costs of the insured culprit of the accident. As long as this accident is not recognized as a deliberate accident or intentional harm, the client, being insured, shall not be liable for any material damage, even if he is the culprit of an accidental accident.

Lawyers in adopting this "no fault" system made a big fuss. The client, they say, is deprived of his blood right, the right to sue the one who caused him damage (according to the "no fault" system, the decision takes place without a court). And suddenly, say lawyers, will award more on court? In connection with this pressure on public opinion, many Americans have developed an aversion, a negative attitude to this system.

The signs by which cars are evaluated are also fairly standard. It depends on what kind of car you insure, what its age, technical condition, etc.from the point of view of safety, an old car is considered more dangerous. Next, what to look for when assessing: what is the driver and what is his "track record" as a driver. Insurers have the right to officially request the local division of traffic police information about accidents committed by one or another driver. The third important point: where does the owner live and where will he go? In new York, there is more probability of an accident, in a provincial city-less. Age, gender, marital status are taken into account. Young people are less careful. Men, according to statistics, are considered better drivers than women. Married people are more careful than unmarried people. Customers are encouraged to look at the track record of the agent who will offer him a policy.

When determining the price of the amount of insurance payments, a sufficient objective set of objective indicators (as opposed to the subjective assessment of the person making the decision) is used. Thus the grid is distributed on groups of cars, on their age, on a technical condition, etc.

The average cost of a car policy, depending on the state, can range from $ 500 to $ 1,200. If the customer pays immediately, it is cheaper. You can pay in installments. The validity of the contract begins from the moment of signing the contract and making the first amount, and it does not matter whether the client has paid the insurance in full or not.

In the United States of America, a citizen has the right to transfer his car to another person for use, to issue a power of attorney for him, while the insurance contract continues to operate. The police absolutely do not care whose car the citizen drives: as long as she was not declared wanted.

From the position of the insurer, the situation may look as follows: if the insured client voluntarily transfers his car for use to someone else (for example, the head of the family, children, wife), they are also considered insured under a specific policy.


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