Perhaps that is why the United States any insurance benefits begins at about the same: "insurance - is inevitable, but a necessary evil (as a tax that must be paid, otherwise you can go to jail) - and this must be taken for granted." But if Europe's debate about the need for a "Driver" to any and all drivers have already passed stage, then in the United States such legal consensus is not reached - in five states of the state civil liability insurance for drivers is not mandatory. Today, compulsory auto insurance liability operates in 45 U.S. states. In five other states in the presence of state law requires the driver to the presence of at least a minimum benefit package. It is worth it, depending on where the driver's home from $ 500 to $ 1000 per year.
However, insurance conditions, in particular the minimum amount of insurance coverage and the value of insurance premiums, vary widely from state to state. In one state, the car owner is not even able to register without compulsory insurance in another - with you no one is required to provide insurance to the first accident or offense. Tariffs on auto insurance in the U.S. beyond the control of the state and most often determined by the insurance companies.The amount of annual fee calculated on a complex scheme of points and bonuses, taking into account the cost of the car and the insurance history of the driver for the past year.
The main parameters of insurance coverage, which provides insurance in the U.S., are determined by three numbers - the value of the maximum compensation for physical and moral damages for each victim, the amount of payments to all injured in the accident and the amount for compensation of material damage. Depending on the state minimum sum of insurance compensation can range from $ 10 tys./20 th / 5 th in Mississippi to $ 50 tys./100 tys./25 thousand in Maine. In California, the car owner must have a policy with minimum liability insurance in case of bodily injury and property damage estimated at 15 thousand dollars if you hurt one person, 30 thousand dollars if you hit more than one person, and 5 thousand dollars to cover property damage. In upstate New York and the District of Columbia, where the U.S. capital, the parameters - 25/50/10, and in Alaska - 50/100/25.
But in nearly every state insurers will offer you in addition to the minimum and compulsory insurance package to buy voluntary auto insurance policy. After all, the cheapest insurance package is often able to cover only a portion of the damage resulting from accident damage - other riders will have to reimburse out of pocket. The minimum insurance package does not cover many items of expenditure in road incident guilty parties, in particular the cost of parking and towing of vehicles affected, the payment of court costs, compensation for loss of profits, etc. Given Americans' love for all kinds of litigation, often the costs of compensation by the guilty party reach six-figure sums. If the amount of legal action exceed the amount of insurance coverage, through an accident culprit instantly becomes available to the insurance company and a bailiff. Therefore, the majority of Americans, particularly those with their own business tend to best protect themselves from such surprises, leaving all the potential costs to insurers.
In the U.S. there are many insurance companies that offer a large number of different insurance schemes. For example, in New York, 40-year-old married man with middle-class car in 2000 release, nochuyuschuyu in the garage a safe area where a day is necessary in business to drive about 20 miles, will pay 2.5 thousand dollars a year as an insurance fee. For Washington, this amount - up to a thousand dollars. A number of large insurance companies in general may refuse to insure drivers who fell in the "high risk".
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