An insurance contract in Hypoluxo

An insurance contract usually has a set of standard terms. Among the mandatory includes information regarding the specifics of the car: Year, model, engine size, as well as special registration number of the car. In addition, always indicated and additional information: how it is used (what is the average mileage it), whether it is used in the pool (for example, a group of employees goes by one or all together in the same direction). Be sure to specify the maximum liability of the insurer. All of the above data and some others are on the so-called declarative page. The agreement begins with an explanation of terms. For example, "your insured car." As "your insured car" can mean both your car and the one that you subsequently during the contract term gain. This means that within a single insurance contract washes to be insured one, two or more cars. For example, a customer bought a car at the weekend, when insurers do not work. So, the customer's general policy is similar to automatically extend to the new car. With such a general policy customer can buy a car anytime, anywhere, sit in it and go. Another thing is that he has a 10-day period to inform the insurance company that he bought the car, and extend to it the contract. Naturally, such a policy will cost more. All of the standard package car insurance policy is divided into five separate "lines" (sections) of insurance. Section "A" refers to the responsibility of the customer. Speaking on the responsibility to manage the machine, it means an insurer covering a variety of losses related to lawsuits brought for their client for any loss or damages related to driving: damage someone's property, collisions and more. Section "B" - health insurance injuries sustained when using the machine. The principal difference between "A" and "B" in the first case are insured client's expenses, in the second he is insured for payment for medical treatment if injured. This list may also be included, items for which insured as the manager of the machine, and, say, being with him family members who are also involved in an accident. (In any of the sections of the agreement included additional conditions, restrictions, limitations as separate items of property insurance coverage.) "C" - the third subsection provides coverage in case of damage caused to you a man who, in violation of the law operates an uninsured vehicle, or in the case where an accident with. done by a man and fled the scene. The technical content of this sub-paragraph refers to the reimbursement of medical expenses that may follow when you receive an injury. As for the damage, it is reflected in a separate subsection. The following subsections describe in detail the responsibility of insurance companies for property damage. This section also contains two parts: a) for damages related to a traffic accident and collision, and b) all other damages. This section lists a different set of exceptions. For example, a client can not use the car as a taxi. If he uses it as a taxi for the commercial transportation of passengers, it would need to purchase another insurance policy. If it turns out that the client has used the car as a taxi, and signed a contract without specifying it, it does not compensate for the losses. The next section - these are the conditions that the customer must fulfill in order to receive a refund. It begins with a list of your duties in the event of an accident. One of which is the need to call the police and demand to immediately start an investigation. Another example is medical expenses the customer must agree to examination by a doctor. In the next section enclosed general exceptions and reservations related to the entire contract. One of them, for example, may indicate that the cover extends to the customer if he drives the car in the U.S., Canada or Puerto Rico. If the accident happened in Mexico, he did not get a refund. To get it, you need to purchase an additional policy. Everything described above refers to the so-called basic contract of insurance. Some states may require other modified insurance coverage. Translated into Russian it sounds like a "no nonsense insurance" - "no fault". It is much broader coverage. What is the difference from the standard contract "insurance no nonsense"? As part of the standard package deal 4 types of coverage: property damage, medical insurance, the reimbursement of uninsured persons and property damage caused by your car as property. Under the "no fault" coverage grouped some other way. It consists of three major surfaces. First, private insurance as in case of injury by the client, and the client in the event of damage to someone else. Likewise grouped and property insurance: Fixed damage insurance customer's car, and the damage it can inflict, as the culprit of the accident. This same insurance coverage related events caused by an uninsured third party. In the third group covers collected other reasons: theft, hurricanes and other natural disasters. In fact, the difference of these contracts in the structural organization of forms of insurance coverage. For contracts "no fault" significantly reduced the number of disputes and lawsuits over the standard option contract. This was mainly due to reduction of costs, reducing operational costs by the system "no fault". The question arises: if on the system "no nonsense" with reduced costs of insurance companies in some places, the United States, where it is accepted, then why are the other insurance companies on their own will not insure under this system in other states? The answer here is purely American. At the state level there are enough powerful lobby of lawyers who saw a threat to their Doh here odes. The fewer claims, the less naturally work for lawyers. By means of such lobbying in most states so far, the system has not received the nature of the law. And the insurance company has the right to impose a form of insurance. The sub-system of "no fault" in the event that the customer has damaged someone else's property, driving a car on the territory, such as the State of Michigan, this system guarantees full compensation of material damage suffered without a trial. But only in the territory of Michigan. In other states, there is a trial and who is wrong, who is right or who I have to. And with the civil liability matter one way or another over the court. Significant detail: the insurance company in any case does not charge costs to the insured perpetrator of the accident. Until this incident will not be recognized as a deliberate accident or intentional infliction of harm, the customer, being insured does not bear any liability, even if it is the culprit of a random accident. Lawyers in making the system "no fault" made a lot of noise. The client, they say, deprived of its blood, rights to sue the person who caused him harm (within the system "no fault" solution occurs without trial). And suddenly, the lawyers say, will award more in court? In this regard, the pressure on public opinion, many Americans got the rejection, a negative attitude towards the system. Signs on which cars are measured, is also fairly standard. It depends on what kind of car you insure what his age, the technical condition, etc. From the point of view of safety of an old car is considered more dangerous. Next, pay attention to what the assessment: what is it and what is the driver "track record" as a driver. Insurers have the right to formally request the local traffic police department reported accidents committed by one or another driver. The third important point: where the owner resides and where he will go? In New York, more chance of an accident in a provincial town - less. Taken into account age, gender, marital status. Young people are less careful. Men, according to statistics, are considered better drivers than women. Married more cautious than unmarried. Clients also recommended to look at the track record of an agent who will offer him a policy. In determining the amount of insurance payment rates apply sufficient objective set of objective indicators (as opposed to subjective evaluation of the person making the decision). In this grid is distributed by groups of vehicles on their age, on-condition maintenance, etc. The average cost of car insurance policy, depending on the state can range from 500 to 1200 dollars. If the customer pays immediately, then it is cheaper. You can pay in installments. The treaty begins with the signing of the contract and making the first sum, and it does not matter whether the client is fully paid insurance or not. In the United States, the citizen has the right to transfer their car to another person, issue to him a power of attorney, and the insurance contract remains in effect. Police do not care for the citizen whose car goes: if only it had not been declared wanted. From the perspective of the situation is the same insurer might look like this: if the insured her client voluntarily transfers his car to use someone else (for example, the head of the family children, wife), they also are insured under a specific policy. In the USA the order in which the insurance company covers the responsibilities and the drunk driver. Another thing is that after this driver falls into the "black" list and it will be extremely difficult to get insurance at the average rates. Insurers will take with him a lot more. A very important point: how insurers are hard act to compete for the public offering of the product, so they become companions in the case of finding your performance as a customer. On the insurance policy of many of them have a string: "customers are insurance companies you were in the past." Professional solidarity insurers in the United States is striking, despite the competition.