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Difference in approaches insurance PDF

The issue of car insurance in the United States is becoming more complicated due to the fact that the country does not have a federal system that regulates this industry. Each state independently engages in the formation of requirements for car insurance.

However, in this regard, all states can be divided into 2 categories:

No matter who is to blame, the damage caused to you is covered by your insurance (no fault). This type of insurance is common in 12 states - in Florida, New York, Michigan and others.

Responsibility lies with the culprit of the accident (in English it is called at fault). This is how they work in 38 states, including California and Washington.

Car insurance can be bought in person or online at an insurance company, from an insurance agent or broker (the latter must have a license). Insurance is issued for a period of 6 or 12 months. It can be paid on a monthly basis, or can be a single amount, for which they often give a discount. With annual insurance, the price is guaranteed not to rise, with 6-month policies they can raise the price every six months.

Often, insurance companies offer very favorable conditions for new customers. However, in good insurance companies there are also discounts that are offered to regular customers with long-term cooperation.


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