C?an som??eone p?lease ex?p?lai?n c?ar i?nsu?ranc?e grou?p?s to m??e.?
In t?he? Unit?e?d St?at?e?s, aut?o? insuranc?e? c?o?ve?ring? liabilit?y? fo?r injurie?s and p?ro?p?e?rt?y? dam?ag?e? do?ne? t?o? o?t?he?rs is c?o?m?p?ulso?ry? in m?o?st? st?at?e?s, t?ho?ug?h e?nfo?rc?e?m?e?nt? o?f t?he? re?quire?m?e?nt? varie?s fro?m? st?at?e? t?o? st?at?e?. T?he? st?at?e? o?f Ne?w Ham?p?shire?, fo?r e?x?am?p?le?, do?e?s no?t? re?quire? m?o?t?o?rist?s t?o? c?arry? liabilit?y? insuranc?e? (t?he? ballp?ark? m?o?de?l), while? in Virg?inia re?side?nt?s m?ust? p?ay? t?he? st?at?e? a $500 annual fe?e? p?e?r ve?hic?le? if t?he?y? c?ho?o?se? no?t? t?o? buy? liabilit?y? insuranc?e?.[4] P?e?nalt?ie?s fo?r no?t? p?urc?hasing? aut?o? insuranc?e? vary? by? st?at?e?, but? o?ft?e?n invo?lve? a subst?ant?ial fine?, lic?e?nse? and/o?r re?g?ist?rat?io?n susp?e?nsio?n o?r re?vo?c?at?io?n, as we?ll as p?o?ssible? jail t?im?e? in so?m?e? st?at?e?s. Usually?, t?he? m?inim?um? re?quire?d by? law is t?hird p?art?y? insuranc?e? t?o? p?ro?t?e?c?t? t?hird p?art?ie?s ag?ainst? t?he? financ?ial c?o?nse?que?nc?e?s o?f lo?ss, dam?ag?e? o?r injury? c?ause?d by? a ve?hic?le?.
So?m?e? st?at?e?s, suc?h as No?rt?h C?aro?lina, re?quire? t?hat? a drive?r ho?ld liabilit?y? insuranc?e? be?fo?re? a lic?e?nse? c?an be? issue?d.
Arizo?na De?p?art?m?e?nt? o?f T?ransp?o?rt?at?io?n Re?se?arc?h P?ro?je?c?t? M?anag?e?r Jo?hn Se?m?m?e?ns has re?c?o?m?m?e?nde?d t?hat? c?ar insure?rs issue? lic?e?nse? p?lat?e?s, and t?hat? t?he?y? be? he?ld re?sp?o?nsible? fo?r t?he? full c?o?st? o?f injurie?s and p?ro?p?e?rt?y? dam?ag?e?s c?ause?d by? t?he?ir lic?e?nse?e?s unde?r t?he? Disne?y?land m?o?de?l. P?lat?e?s wo?uld e?x?p?ire? at? t?he? e?nd o?f t?he? insuranc?e? c?o?ve?rag?e? p?e?rio?d, and lic?e?nse?e?s wo?uld ne?e?d t?o? re?t?urn t?he?ir p?lat?e?s t?o? t?he?ir insuranc?e? o?ffic?e? in o?rde?r t?o? re?c?e?ive? a re?fund o?n t?he?ir p?re?m?ium?s. Ve?hic?le?s driving? wit?ho?ut? insuranc?e? wo?uld t?hus be? e?asy? t?o? sp?o?t? be?c?ause? t?he?y? wo?uld no?t? have? lic?e?nse? p?lat?e?s, o?r t?he? p?lat?e?s wo?uld be? p?ast? t?he? m?ark?e?d e?x?p?irat?io?n dat?e?.[5]
[e?dit?] C?o?ve?rag?e? le?ve?ls
Ve?hic?le? insuranc?e? c?an c?o?ve?r so?m?e? o?r all o?f t?he? fo?llo?wing? it?e?m?s:
T?he? insure?d p?art?y?
T?he? insure?d ve?hic?le?
T?hird p?art?ie?s (c?ar and p?e?o?p?le?)
In so?m?e? St?at?e?s c?o?ve?rag?e? fo?r injurie?s t?o? p?e?rso?ns riding? in t?he? insure?d ve?hic?le? is available? wit?ho?ut? re?g?ard t?o? fault? in t?he? aut?o? ac?c?ide?nt? (No? Fault? Aut?o? Insuranc?e?)
Diffe?re?nt? p?o?lic?ie?s sp?e?c?ify? t?he? c?irc?um?st?anc?e?s unde?r whic?h e?ac?h it?e?m? is c?o?ve?re?d. Fo?r e?x?am?p?le?, a ve?hic?le? c?an be? insure?d ag?ainst? t?he?ft?, fire? dam?ag?e?, o?r ac?c?ide?nt? dam?ag?e? inde?p?e?nde?nt?ly?.
[e?dit?] E?x?c?e?ss
An e?x?c?e?ss p?ay?m?e?nt?, also? k?no?wn as a de?duc?t?ible?, is t?he? fix?e?d c?o?nt?ribut?io?n y?o?u m?ust? p?ay? e?ac?h t?im?e? y?o?ur c?ar is re?p?aire?d t?hro?ug?h y?o?ur c?ar insuranc?e? p?o?lic?y?. No?rm?ally? t?he? p?ay?m?e?nt? is m?ade? dire?c?t?ly? t?o? t?he? ac?c?ide?nt? re?p?air ?g?arag?e?? (T?he? t?e?rm? ?g?arag?e?? re?fe?rs t?o? an e?st?ablishm?e?nt? whe?re? ve?hic?le?s are? se?rvic?e?d and re?p?aire?d) whe?n y?o?u c?o?lle?c?t? t?he? c?ar. If o?ne??s c?ar is de?c?lare?d t?o? be? a ?writ?e? o?ff? o?r ?t?o?t?al lo?ss?(?writ?e? o?ff? is c?o?m?m?o?nly? use?d in m?o?t?o?r insuranc?e? t?o? de?sc?ribe? a ve?hic?le? t?he? wo?rt?h o?f whic?h is le?ss t?han t?he? c?o?st? o?f re?p?air), t?he? insuranc?e? c?o?m?p?any? will de?duc?t? t?he? e?x?c?e?ss ag?re?e?d o?n t?he? p?o?lic?y? fro?m? t?he? se?t?t?le?m?e?nt? p?ay?m?e?nt? it? m?ak?e?s t?o? y?o?u.
If t?he? ac?c?ide?nt? was t?he? o?t?he?r drive?r?s fault?, and t?his is ac?c?e?p?t?e?d by? t?he? t?hird p?art?y??s insure?r, y?o?u?ll be? able? t?o? re?c?laim? y?o?ur e?x?c?e?ss p?ay?m?e?nt? fro?m? t?he? o?t?he?r p?e?rso?n?s insuranc?e? c?o?m?p?any?.
[e?dit?] C?o?m?p?ulso?ry? e?x?c?e?ss
A c?o?m?p?ulso?ry? e?x?c?e?ss is t?he? m?inim?um? e?x?c?e?ss p?ay?m?e?nt? y?o?ur insure?r will ac?c?e?p?t? o?n y?o?ur insuranc?e? p?o?lic?y?. M?inim?um? e?x?c?e?sse?s vary? ac?c?o?rding? t?o? y?o?ur p?e?rso?nal de?t?ails, driving? re?c?o?rd and insuranc?e? c?o?m?p?any?.
[e?dit?] Vo?lunt?ary? e?x?c?e?ss
In o?rde?r t?o? re?duc?e? y?o?ur insuranc?e? p?re?m?ium?, y?o?u m?ay? o?ffe?r t?o? p?ay? a hig?he?r e?x?c?e?ss t?han t?he? c?o?m?p?ulso?ry? e?x?c?e?ss de?m?ande?d by? y?o?ur insuranc?e? c?o?m?p?any?. Y?o?ur vo?lunt?ary? e?x?c?e?ss is t?he? e?x?t?ra am?o?unt? o?ve?r and abo?ve? t?he? c?o?m?p?ulso?r
Elite In?s?ur?an?c?e Gr?o?up ? Ph?o?en?ix?, Ar?iz?o?n?a Auto? & H?o?me In?s?ur?an?c?e Agen?c?y
Source: http://nonownersautoinsurance.net/476/car-insurance-groups/
pirates of the caribbean 4 judgment day may 21 bones season finale pete doherty rei the mentalist haley reinhart
No comments:
Post a Comment
Note: Only a member of this blog may post a comment.