A variety of insurances products

Generally, insurance in the U.S. is very flexible and the existence of a large set of insurance products.Thus, liability can be insured as no distinction between "life and property» (combined single limit), and with division (split limits): in the latter case for each kind of set a limit of liability.Analogue of Russian risk "Damage" can be considered "insurance against accidents» (collision).

A special kind - a "comprehensive coverage» (comprehensive), which, in fact, is not, and protects the machine from the risks that are not included in the collision - such as theft, fire, collision with animals and stuff.

There are special types of insurance, on rare but still possible situations:

• If you are faced with uninsured drivers (uninsured / underinsured coverage);
• if the car rental companies will request you to damages for what it is for some time will not be able to use the machine you are hurt, that is insurance against loss of profits (loss of use);
• if you took a loan in an amount exceeding the actual cost of the car, the balance can also be insured (loan / lease payoff). Insurance companies, in order to avoid fraud, usually only insure the car at their actual value, but in this case, having the confirmation number you received from banks, to insurance and a large amount;

if you need a tow, not as the result of an accident (mechanical problems, out of gas, etc.). In the usual treatment of such risk is not included, so there is a special product of towing;If you want your personal belongings that are in the car were insured (personal property).