Insurance in the U.S.

Insurance in the U.S.
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.
The two approaches
There are two opposite models that respond to the question of who should compensate damage in the event of an incident. According to the "model of the stadium» (ballpark model), practiced in New Hampshire, one must be "for itself."That is, no matter what happens, all costs associated with the restoration of health or property, will carry you, even if what happened is not your fault. The idea prevalent in the country filed a baseball stadium, where visitors are often injured by baseballs and where the administration is not responsible for it can not be held. In fact, unless you can predict where a tiny fly ball?
In contrast, a "model of Disneyland» (Disneyland model) binds to compensate damages caused to third parties, that the perpetrators of the incident. Owes its name to the model of the Disneyland amusement park, where the management is responsible for any accident, which occurred with visitors.
The highest expression of this model is the idea to give the duty to register the machine (to give them numbers) is the insurance companies that also must insure them. Who is involved in the issuance of license plates power structures in each state.
Who is insured?
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.
There is a market and a special type of auto insurance coverage for those who have not owned a car, but who for some reason, still need to go - "It is the policy» (Named Operator Policies). Such insurance, including useful to those who have been deprived of his rights and to restore them to produce insurance.
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» (combined single limit), and the division (split limits): in the latter case for each type of set your limit of liability.
The analogue of the Russian risk "Damage" can be considered "insurance against accidents» (collision).
A special kind - a "comprehensive coverage» (comprehensive), which is, 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 the rare but still possible situations:
If you are faced with uninsured drivers (uninsured / underinsured coverage);
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 profit (loss of use);
If you took a loan for an amount exceeding the actual cost of the car, the rest can also be insured (loan / lease payoff). 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 of towing;
If you want your personal belongings that are in the car were insured (personal property).