Car Insurance in England

Insurance in the United States are handed over completely to the states, which may set their own requirements. In most states, a system of insurance of the United States, similar to the Russian CTP, it is mandatory liability insurance in case of injury to health or property of third parties. Although there are exceptions - for example, in the State of New Hampshire liability insurance is not required, and in one of the oldest states in the country - Virginia - instead of insurance can be paid to the budget 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.As a rule, the U.S. insurance protects any person that controls the insured vehicle, except for members of the family owner of the car - they must be specifically set in the policy. That is, when you are driving your friend - you are not protected by their insurance, but it.You can also exclude from coverage, and individuals.A variety of insurance products

Generally, insurance in the U.S. is very flexible and the presence of a large set of insurance products.Thus, the responsibility can be insured without a distinction between "life and property," and with the division: in the latter case, for each type of set a limit of liability.There are special types of insurance, on the rare but still possible situations:If you are faced with uninsured drivers;If the hire company will request from you for the damage that it does not for some time be able to use the machine, you hurt, that is, insurance against loss of profits;If you took a loan for an amount exceeding the actual cost of the car, the rest can also be insured. Insurance companies, in order to avoid fraud, typically insure cars only on their actual value, but in this case, having the confirmation number you received from banks, to insurance and a large amount;If you need towing, not as a result of an accident (mechanical problems out of gas, etc.). In conventional coatings such risk is not included, so there is a special product;If you want your personal belongings that are in the car were insured.