4. Other types of insurance.
Also discussed above, the main types of insurance, without which we would not advise you to do, there are several useful types of insurance, most of which appeared recently. Among them are the following:
Insurance long medical care (Long Term Care Insurance). This type of insurance reimburses your costs for medical care in a long time. This insurance can include:
assistance related to health (Health-Related Care), which includes the general care, nutrition, collection of medical information (temperature, pressure, etc.) as well as dietary supervision;
Stewardship Care (Custodial Care), ie assistance in the implementation of daily living needs such as dressing, feeding, medication, washing, etc.
Depending on the conditions of the contract, such forms of assistance (together or separately) or can be provided in a hospital or in a hostel, or at home. Service may be around the clock or only during certain times of day (day or night).
What you are younger, the less will be your annual payment. Therefore it is better to worry in advance about this service. It should be borne in mind that
according to the U.S. Department of Health likelihood that during the life of you though. least once required long-term care, ranging from 20 to 45%, and the cost of such care is very high - in New York, she is more than $ 100 a day, or 40 000 dollars a year.
quality medical care (Skilled Nursing Care), carried out by a registered nurse under the direction of a physician. This is the most expensive form of insurance, and it provides that a qualified assistance could be provided to you round the clock;
Medicare supplementary insurance. (Medicare Supplement Insurance). This type of insurance is in addition to Medicare and cover the expenses are not included in this government program of medical care. If you use Medicare, then this type of insurance is very important for you as well as in the case of serious illness the amount of expenses not covered by Medicare, can be very high. It should be borne in mind that no additional insurance is Medicare does not provide one hundred percent to cover possible medical expenses. However, there are certain minimum standards of cover, which reviewed the state governments each year.
"Umbrella Insurance" (umbrella insurance). This type of insurance is to cover the costs exceeding the amount determined by the usual insurances for damages caused to your accommodation, car and personal property (as well as damage to your property of others). Umbrella insurance is not only raises the ceiling of payments (usually up to $ 500 000), but also includes some non-material damages - such as damage due to slander. General insurance, are exempt from personal liability (comprehensive liability insurance). Such insurance shall compensate damages caused by you or your family to others (unless, of course, your actions do not involve criminal liability). Remember that in the event of legal claims of the amount in dispute can be enormous - here with America can not compete any other country, so do not ignore the possibility of protection against such a big trouble.
воскресенье, 4 марта 2012 г.
Three. Car insurance (automobile insurance)
Three. Car insurance (automobile insurance)
It is a type of insurance required in most U.S. states. Uninsured cars are simply not registered. Moreover, for example, in New York you will need to have not just one, but three types of insurance:
A. No-faultinsu ranee - to compensate for the loss of all persons injured in the accident, which took part your car, which is paid in any case, regardless of your guilt, as well as for reimbursement of medical expenses and income that you lost due to accidents.
Two. Laibilityinsurance - to compensate for the damage done by you to other people or their property;
Three. Uninsured motorist protection - to compensate for the damage you are uninsured driver.
This latter type is provided only to the laws of the State of New York, the minimum amount of insurance on it is 10,000 dollars. The maximum amount of the first type is 50 000 dollars, the minimum on the second - 5000.
In addition to these compulsory insurance, there are many more. For example, health insurance for the accident, regardless of the perpetrator, in excess of the minimum, phisical damage coverage, that is, insurance against any damage to the machine, regardless of their causes, ranging from theft, the effect of your insurance may be extended not only throughout the territory of the United Statesbut also in Canada, and much more.
Here we note that the minimum insurance, we recommend buying only if you have a used car that you can more easily take to a landfill than to pay for the repair of an accident or breakdown. In all other cases, the minimum coverage is not enough to achieve an acceptable level of financial security in case of unforeseen circumstances.
You need to know the term deductible, which means the minimum level of damages for which the insurance company begins to fulfill the contract and to compensate for your loss. Lower costs, not including the special case of insurance, automotive glass, the company is not obligated to reimburse. This sum is determined when the contract is less than $ 100, it can not be. So in the event of an accident, the consequences of which have cost you $ 99, the entire amount you pay yourself, and costs $ 101 will cover the company, and in this case, it compensates you $ 1.
This amount can be prohibitively high and range from 500 to 3000 dollars and even more the case if you take a car. But in this case can proceed in another way, for example, to buy the so-called Collision Damage Waiver (CDW) - Exemption from payment for the damage that will cost about 12 dollars a day. You can buy just the insurance on the appropriate number of days. Whatever it was, but without any type of insurance a car you just do not give.
It is a type of insurance required in most U.S. states. Uninsured cars are simply not registered. Moreover, for example, in New York you will need to have not just one, but three types of insurance:
A. No-faultinsu ranee - to compensate for the loss of all persons injured in the accident, which took part your car, which is paid in any case, regardless of your guilt, as well as for reimbursement of medical expenses and income that you lost due to accidents.
Two. Laibilityinsurance - to compensate for the damage done by you to other people or their property;
Three. Uninsured motorist protection - to compensate for the damage you are uninsured driver.
This latter type is provided only to the laws of the State of New York, the minimum amount of insurance on it is 10,000 dollars. The maximum amount of the first type is 50 000 dollars, the minimum on the second - 5000.
In addition to these compulsory insurance, there are many more. For example, health insurance for the accident, regardless of the perpetrator, in excess of the minimum, phisical damage coverage, that is, insurance against any damage to the machine, regardless of their causes, ranging from theft, the effect of your insurance may be extended not only throughout the territory of the United Statesbut also in Canada, and much more.
Here we note that the minimum insurance, we recommend buying only if you have a used car that you can more easily take to a landfill than to pay for the repair of an accident or breakdown. In all other cases, the minimum coverage is not enough to achieve an acceptable level of financial security in case of unforeseen circumstances.
You need to know the term deductible, which means the minimum level of damages for which the insurance company begins to fulfill the contract and to compensate for your loss. Lower costs, not including the special case of insurance, automotive glass, the company is not obligated to reimburse. This sum is determined when the contract is less than $ 100, it can not be. So in the event of an accident, the consequences of which have cost you $ 99, the entire amount you pay yourself, and costs $ 101 will cover the company, and in this case, it compensates you $ 1.
This amount can be prohibitively high and range from 500 to 3000 dollars and even more the case if you take a car. But in this case can proceed in another way, for example, to buy the so-called Collision Damage Waiver (CDW) - Exemption from payment for the damage that will cost about 12 dollars a day. You can buy just the insurance on the appropriate number of days. Whatever it was, but without any type of insurance a car you just do not give.
Two. Insurance of houses, apartments (homeowners and tenants insurance) and personal property.
Two. Insurance of houses, apartments (homeowners and tenants insurance) and personal property.
This type of insurance, as already described, and life and health insurance, are not mandatory. But most likely, the customer will take advantage of them, based on the fact that he wanted to get a refund in the event of loss of such valuable property.
We can distinguish the following main cases when you can get a refund on insurance contracts home and property:
damage caused by natural disasters such as fire, storm, hail, and others;
theft;
damage caused to property of others caused by their negligent physical damage.
You can buy separate insurance for each of these cases, but it is hardly worth doing, it is better to use a comprehensive insurance that covers all of the above cases. There are different types of complex insurance other than insurance on ways and methods to assess damage. Each U.S. state has its own laws that define the main points of the real estate insurance, but there are some general principles that we describe in more detail.
Let's start with the "minimum assortment" of cases that must be included in any contract of insurance of complex movable and immovable property, irrespective of its specific type. In full accordance with the above three moments, to be paid cash compensation for the immovable and movable property (even located at the time of the insured event), provided that it suffered during the fire, storms, hail and other natural disasters, except as outlined below as well as an explosion, riot, vandalism, damaged car, plane or stolen. Additionally, refunded the cost of compensation to third parties for damage to their health or property damage (for example, if the fire spread to a house nearby). The insurance company must pay for legal services, medical bills and additional expenses related to temporary accommodation forced away from their homes.
If the client is concerned that are not all possible trouble, and he wants to expand the list covered by insurance cases, you will not be met with no objections, subject to extra charge. For example, to offer insurance in case of accidents or water heating system, electrical damage, falling objects at home that can produce a fracture (eg, fragments of the plane, even the space shuttle), as well as damages under the weight of accumulated snow or ice. If this is not enough - you can offer yourself.
But while there are some cases where the insurance contract will not be able to help. Virtually no insurance company will not offer
compensation for damage caused by earthquake, flood, interruption of energy supply, nuclear war or disaster. If you lost personal property used in the conduct of business, then this damage, too, usually not covered by insurance.
By entering into a contract of insurance house or apartment, you should pay attention to the following:
how much it will cost insurance.
how much it would cost restoring homes destroyed by natural disaster;
Do you want to pay more for insurance and receive full compensation, or prefer to save on payments, but have only a partial reimbursement of losses;
what types of disasters are most likely in your area;
The amount by which you can insure your property can be any part of its real value. The amount of compensation in this case can be determined on the basis of two different factors: the cost of compensation (relacement cost) or the actual cost of damaged property (actual cash value). The difference between them is the easiest way to understand a specific example.
Suppose, as a result of flooding in your home and significantly undermining the foundation sank, and for the repair you have to pay $ 3,000. If compensation is calculated by the first method (replacemenr cost) payment amount will be just $ 3,000, covering the full cost of repairs. But when the second case in the calculation of depreciation can be accepted damaged part of your property. If your home is designed for 30 years, 15 of which have already passed, its real value is two times less, ie, the cost base (and, accordingly, the amount of compensation) shall be determined in 1500 dollars.
That's the real price of movable property determines the cost of compensation in the contract on his insurance. As a general rule, insurance companies are determined, and the maximum amount of compensation payable for loss of a certain type of personal property.
For example, in New York in case of theft of the insured jewelry and watches will not be paid more than $ 500. Now we're only talking about complex insurance contracts of movable and immovable property. Nobody bothers to conclude a separate contract of insurance if you have expensive jewelry.
Take into account the following practical tips:
in the event of damage to the insured home or property is not in a hurry to make repairs before your insurance company will make an appropriate inspection and assess the damage;
in case of damage or theft of your property immediately inform the insurance company;
Always have a list of valuable items at home with their price and purchase date so you can accurately determine the amount of damages.
Keep in mind that if the insurance company is not sure that your payments do not cover the level of potential risk, it will usually be within a certain period from the date of signing the agreement to terminate it.
In various states in the U.S. these terms are different in New York, for example, a period of 60 days. After this period the insurance company will be much harder to terminate the contract with you. This is possible only if:
Your property has undergone a physical change as a result of which it was deductible (uninsurable);
you have committed willful or negligent actions that increase the risk of loss of insured property;
you do not make payments under the contract;
found intentional overstatement or reckless actions that increase the risk of loss of insured property;
You were convicted of actions aimed at the risk of loss of insured property.
In conclusion, the companies offering the lowest prices at the conclusion of an insurance contract can not always offer you the proper quality and range of services and do not differ a good reputation. Do not forget about it, do not try to buy the cheap.
This type of insurance, as already described, and life and health insurance, are not mandatory. But most likely, the customer will take advantage of them, based on the fact that he wanted to get a refund in the event of loss of such valuable property.
We can distinguish the following main cases when you can get a refund on insurance contracts home and property:
damage caused by natural disasters such as fire, storm, hail, and others;
theft;
damage caused to property of others caused by their negligent physical damage.
You can buy separate insurance for each of these cases, but it is hardly worth doing, it is better to use a comprehensive insurance that covers all of the above cases. There are different types of complex insurance other than insurance on ways and methods to assess damage. Each U.S. state has its own laws that define the main points of the real estate insurance, but there are some general principles that we describe in more detail.
Let's start with the "minimum assortment" of cases that must be included in any contract of insurance of complex movable and immovable property, irrespective of its specific type. In full accordance with the above three moments, to be paid cash compensation for the immovable and movable property (even located at the time of the insured event), provided that it suffered during the fire, storms, hail and other natural disasters, except as outlined below as well as an explosion, riot, vandalism, damaged car, plane or stolen. Additionally, refunded the cost of compensation to third parties for damage to their health or property damage (for example, if the fire spread to a house nearby). The insurance company must pay for legal services, medical bills and additional expenses related to temporary accommodation forced away from their homes.
If the client is concerned that are not all possible trouble, and he wants to expand the list covered by insurance cases, you will not be met with no objections, subject to extra charge. For example, to offer insurance in case of accidents or water heating system, electrical damage, falling objects at home that can produce a fracture (eg, fragments of the plane, even the space shuttle), as well as damages under the weight of accumulated snow or ice. If this is not enough - you can offer yourself.
But while there are some cases where the insurance contract will not be able to help. Virtually no insurance company will not offer
compensation for damage caused by earthquake, flood, interruption of energy supply, nuclear war or disaster. If you lost personal property used in the conduct of business, then this damage, too, usually not covered by insurance.
By entering into a contract of insurance house or apartment, you should pay attention to the following:
how much it will cost insurance.
how much it would cost restoring homes destroyed by natural disaster;
Do you want to pay more for insurance and receive full compensation, or prefer to save on payments, but have only a partial reimbursement of losses;
what types of disasters are most likely in your area;
The amount by which you can insure your property can be any part of its real value. The amount of compensation in this case can be determined on the basis of two different factors: the cost of compensation (relacement cost) or the actual cost of damaged property (actual cash value). The difference between them is the easiest way to understand a specific example.
Suppose, as a result of flooding in your home and significantly undermining the foundation sank, and for the repair you have to pay $ 3,000. If compensation is calculated by the first method (replacemenr cost) payment amount will be just $ 3,000, covering the full cost of repairs. But when the second case in the calculation of depreciation can be accepted damaged part of your property. If your home is designed for 30 years, 15 of which have already passed, its real value is two times less, ie, the cost base (and, accordingly, the amount of compensation) shall be determined in 1500 dollars.
That's the real price of movable property determines the cost of compensation in the contract on his insurance. As a general rule, insurance companies are determined, and the maximum amount of compensation payable for loss of a certain type of personal property.
For example, in New York in case of theft of the insured jewelry and watches will not be paid more than $ 500. Now we're only talking about complex insurance contracts of movable and immovable property. Nobody bothers to conclude a separate contract of insurance if you have expensive jewelry.
Take into account the following practical tips:
in the event of damage to the insured home or property is not in a hurry to make repairs before your insurance company will make an appropriate inspection and assess the damage;
in case of damage or theft of your property immediately inform the insurance company;
Always have a list of valuable items at home with their price and purchase date so you can accurately determine the amount of damages.
Keep in mind that if the insurance company is not sure that your payments do not cover the level of potential risk, it will usually be within a certain period from the date of signing the agreement to terminate it.
In various states in the U.S. these terms are different in New York, for example, a period of 60 days. After this period the insurance company will be much harder to terminate the contract with you. This is possible only if:
Your property has undergone a physical change as a result of which it was deductible (uninsurable);
you have committed willful or negligent actions that increase the risk of loss of insured property;
you do not make payments under the contract;
found intentional overstatement or reckless actions that increase the risk of loss of insured property;
You were convicted of actions aimed at the risk of loss of insured property.
In conclusion, the companies offering the lowest prices at the conclusion of an insurance contract can not always offer you the proper quality and range of services and do not differ a good reputation. Do not forget about it, do not try to buy the cheap.
A. Life insurance (life insurance) and health (accident and health insurance).
A. Life insurance (life insurance) and health (accident and health insurance).
Life insurance is aimed at to provide financial support to the family on the death of the insured person. Depending on the contract, the insurance company must be:
provide a certain level of income remaining spouse and / or children and other family members.
to compensate for taxes and other costs associated with the distribution of property among heirs;
pay your past expenses, such as hospital bills and funeral costs;
pay for the education of children;
repay the remaining debt on the purchase of a house or apartment;
ensure that the pension fund;
Life insurance, as you see, can not be reduced to a simple payment of a lump sum to your family in case of death, it also aims to provide a family for quite some time.
Life insurance contract may provide two types of insurance: temporary (term insurance) and permanent (permanent insurance). They both have a large number of options, but the main difference between them lies in the fact that the temporary insurance agreement is concluded for a definite time (year, 5, 10 years, etc.), or until a certain age (eg 70 years) and the family allowance is payable only if death occurred during this period, with constant insurance covered the entire period of his life, and amount of insurance payable upon death, regardless of when it occurred. The contract of temporary insurance can usually be extended beyond its initial term, and it can be replaced by a constant. Please note only that each new extension of the contract will cost more expensive, because the older a person gets, the higher the probability of death.
Choosing the most suitable type of life insurance should be borne in mind also that, for young people annual payments to insurance companies lower in the choice of temporary insurance, the elderly, by contrast, would be cheaper for permanent insurance.
Now let's look at some kinds of temporary coverage, let's see how they differ from each other. They can be divided into three:
Convertibleterm - temporary insurance, which can turn into permanent. Usually, to avoid further medical examination and increase benefits, the transition to a permanent form should be implemented over a period of time before the expiration of the temporary insurance.
Renewableterm - renewable temporary insurance. In this type of insurance after the main contract period may be extended, regardless of health status.
Revertibleterm - another variant of renewable insurance, unlike the previous type is that for the renewal of the insurance contract must meet certain conditions related primarily to health.
At a constant insurance can offer its two main types:
a) Interest Sensitive Whole Life, that is, insurance payments which are not fixed, but depend on several factors.
b) Traditional Whole Life, or traditional insurance, in which the payment and the amount of insurance remain the same the whole period of insurance;
The most popular form of the first type of insurance, universal life insurance (universal life insurance).
When it is selected to a large extent the client will control their finances, within certain limits, can choose the amount of annual payments, even letting some of them in case of need. The company also will distribute the payments into three categories: the first is the accumulation of principal payments in the event of death, the second - in a special account at the bank, which bear interest, and the third - to cover the costs of the company. Thus, the value of annual payments and the amount, which the company must pay in case of death, depend on the bank interest on deposits (interest rates). In any case, the company must pay a minimum percentage of deposits and the minimum amount of principal payments to the heirs after the accident.
All the activities of the company shall be open, it publishes an annual data as to which account and what amounts received during the year.
Regardless of the type of life insurance should not be ignored key recommendations set out below:
A. Each company is required to offer coverage during the testing ("free-look period"), during which you can withdraw from the contract without incurring any loss. By the laws of the State of New York, this period can not be less than 10 and more than 30 days (in case of signing the contract in the mail, without an agent, this period should be 30 days).
Two. When signing the contract, be sure that the oral promise of an insurance agent in line with what is written in the contract. Particular care is necessary to study the contract if the proposed conditions appear favorable implausible (too-good-to-be-true - too good to be true).
Three. It is always best to deal with a company that is licensed in the state.Otherwise, it may be difficult to resolve disputes when they arise.
4. The possibility of group insurance (group life insurance). The price of this insurance is usually lower, especially if the contract is the employer for all employees of the company or organization.
Five. A waiver of any of the insurance contract and its replacement by another (replacement) more often than not bring any benefits. It is advisable to try to avoid it, and in any case carefully and think through the details of such a move before committing to it.
6. Keep an insurance contract should be in a safe place. If the client or family after death lost it, it should be to make a written request to the American Council of Life Insurance (American Council of Life Insurance)
7. Try to avoid frequent payments. One annual payment is always less than twelve monthly.
Eight. Except for one person to whom payment must be made in case of death (beneficiary), the contract must stipulate his understudy (contingent, or secodary beneficiary), who should get the money in case of sudden death first.
9. The main beneficiary of the sum insured (beneficiary) must inform the insurance company your address and to notify it of all its changes. If he does so, then after three years of his entire share of the state authorities to depart, and while he has the right to say later about their rights during this period, he will not be charged interest.
10. No need to hire a lawyer as soon as there are tensions with the company.With most of these problems can be handled yourself.
Life insurance is aimed at to provide financial support to the family on the death of the insured person. Depending on the contract, the insurance company must be:
provide a certain level of income remaining spouse and / or children and other family members.
to compensate for taxes and other costs associated with the distribution of property among heirs;
pay your past expenses, such as hospital bills and funeral costs;
pay for the education of children;
repay the remaining debt on the purchase of a house or apartment;
ensure that the pension fund;
Life insurance, as you see, can not be reduced to a simple payment of a lump sum to your family in case of death, it also aims to provide a family for quite some time.
Life insurance contract may provide two types of insurance: temporary (term insurance) and permanent (permanent insurance). They both have a large number of options, but the main difference between them lies in the fact that the temporary insurance agreement is concluded for a definite time (year, 5, 10 years, etc.), or until a certain age (eg 70 years) and the family allowance is payable only if death occurred during this period, with constant insurance covered the entire period of his life, and amount of insurance payable upon death, regardless of when it occurred. The contract of temporary insurance can usually be extended beyond its initial term, and it can be replaced by a constant. Please note only that each new extension of the contract will cost more expensive, because the older a person gets, the higher the probability of death.
Choosing the most suitable type of life insurance should be borne in mind also that, for young people annual payments to insurance companies lower in the choice of temporary insurance, the elderly, by contrast, would be cheaper for permanent insurance.
Now let's look at some kinds of temporary coverage, let's see how they differ from each other. They can be divided into three:
Convertibleterm - temporary insurance, which can turn into permanent. Usually, to avoid further medical examination and increase benefits, the transition to a permanent form should be implemented over a period of time before the expiration of the temporary insurance.
Renewableterm - renewable temporary insurance. In this type of insurance after the main contract period may be extended, regardless of health status.
Revertibleterm - another variant of renewable insurance, unlike the previous type is that for the renewal of the insurance contract must meet certain conditions related primarily to health.
At a constant insurance can offer its two main types:
a) Interest Sensitive Whole Life, that is, insurance payments which are not fixed, but depend on several factors.
b) Traditional Whole Life, or traditional insurance, in which the payment and the amount of insurance remain the same the whole period of insurance;
The most popular form of the first type of insurance, universal life insurance (universal life insurance).
When it is selected to a large extent the client will control their finances, within certain limits, can choose the amount of annual payments, even letting some of them in case of need. The company also will distribute the payments into three categories: the first is the accumulation of principal payments in the event of death, the second - in a special account at the bank, which bear interest, and the third - to cover the costs of the company. Thus, the value of annual payments and the amount, which the company must pay in case of death, depend on the bank interest on deposits (interest rates). In any case, the company must pay a minimum percentage of deposits and the minimum amount of principal payments to the heirs after the accident.
All the activities of the company shall be open, it publishes an annual data as to which account and what amounts received during the year.
Regardless of the type of life insurance should not be ignored key recommendations set out below:
A. Each company is required to offer coverage during the testing ("free-look period"), during which you can withdraw from the contract without incurring any loss. By the laws of the State of New York, this period can not be less than 10 and more than 30 days (in case of signing the contract in the mail, without an agent, this period should be 30 days).
Two. When signing the contract, be sure that the oral promise of an insurance agent in line with what is written in the contract. Particular care is necessary to study the contract if the proposed conditions appear favorable implausible (too-good-to-be-true - too good to be true).
Three. It is always best to deal with a company that is licensed in the state.Otherwise, it may be difficult to resolve disputes when they arise.
4. The possibility of group insurance (group life insurance). The price of this insurance is usually lower, especially if the contract is the employer for all employees of the company or organization.
Five. A waiver of any of the insurance contract and its replacement by another (replacement) more often than not bring any benefits. It is advisable to try to avoid it, and in any case carefully and think through the details of such a move before committing to it.
6. Keep an insurance contract should be in a safe place. If the client or family after death lost it, it should be to make a written request to the American Council of Life Insurance (American Council of Life Insurance)
7. Try to avoid frequent payments. One annual payment is always less than twelve monthly.
Eight. Except for one person to whom payment must be made in case of death (beneficiary), the contract must stipulate his understudy (contingent, or secodary beneficiary), who should get the money in case of sudden death first.
9. The main beneficiary of the sum insured (beneficiary) must inform the insurance company your address and to notify it of all its changes. If he does so, then after three years of his entire share of the state authorities to depart, and while he has the right to say later about their rights during this period, he will not be charged interest.
10. No need to hire a lawyer as soon as there are tensions with the company.With most of these problems can be handled yourself.
Three main types of INSURANCE
These include life and health insurance, houses, apartments and personal property, as well as a car. There are other very useful types of insurance, but let's start it withthese, the most necessary and most fully reveal the essence of the entire U.S.insurance system.
introduction
To date, the number of insurance companies and their services in the U.S. is huge, the biggest concern only those firms whose capital exceeds one billion. Here is alist of largest companies.
Prudential Ins. Co. of America
Equitable Life Assurance Soc. US
Teachers Ins. & Annuity Assoc. America
Metropolitan Life Ins. Co.
Aetna Life Ins. Co.
New York Life Ins. Co.
John Hancock Mutural Life Ins. Co.
Northwestern Mutural Life Ins. Co.
A man who had just arrived in the country, it will get used to at first not easy. Eventhe division into mandatory (such as car insurance) and voluntary insurance is rather conventional. Try, for example, dispense with the formal entirely voluntaryhealth insurance. After all, even a person with a U.S. average income is sometimesimpossible to pay the cost of treatment, especially in the case of serious illness.
Let's try to understand the basics of American insurance policy, let's talk about the basic types of insurance.
The package of insurance services for auto
After all, the cheapest insurance package is often able to cover only a portion of the damage resulting from accident damage - the rest of the driver will have to reimburse out of pocket. The minimum benefit package does not cover many items of expenditure in road incident guilty parties, in particular the cost of parking and towing of vehicles affected, payment of court costs, compensation for loss of profits from the downtime and time spent on the design-time accidents and the like.
It is noteworthy that in the U.S. insurance companies offer additional services to people who are in an accident. For example in Florida, a man whose car was dented on the repair of his car (about one week), the insurance company issued another vehicle of the same class (pickup). This you can see a short video of "our" people in America.
Keep in mind!
Given Americans' love for all kinds of trials, often the costs of compensation by the guilty party reach six-figure sums. If the amount exceeds the amount of lawsuit insurance cover, due to the culprit accident instantly becomes available to the insurance company and a bailiff.
Therefore, the majority of Americans, particularly those with their own business, appreciate your time and money, tend to best protect themselves from such surprises by giving all possible costs for insurers. This to them is to take an example!
In the United States, there are many insurance companies that offer a choice of many different insurance plans. How much is the average cost?
For example, in New York, 40-year-old married man with a middle class car 2007 release, nochuyuschuyu in the garage safe "sleeping" area, where a day is necessary in business and family to drive about 20 miles, will pay $ 2,500 a yearas an insurance premium. For comparison - in Washington this amount - about $ 1,000.
A number of large insurance companies in general may refuse to insure drivers who have fallen in the "high risk". It is also worth bearing in mind.
We suggest you also read additional information about this topic: what car insurance
Before talking about auto insurance, we think that it is very interesting for you to display information about how much cheaper to buy a car in the USA. Thus, the prices of cars in America - in comparison with similar prices in Russia.
Auto Insurance in the United States. Terms and prices. Discover our America!
It is noteworthy that in the U.S. insurance companies offer additional services to people who are in an accident. For example in Florida, a man whose car was dented on the repair of his car (about one week), the insurance company issued another vehicle of the same class (pickup). This you can see a short video of "our" people in America.
Keep in mind!
Given Americans' love for all kinds of trials, often the costs of compensation by the guilty party reach six-figure sums. If the amount exceeds the amount of lawsuit insurance cover, due to the culprit accident instantly becomes available to the insurance company and a bailiff.
Therefore, the majority of Americans, particularly those with their own business, appreciate your time and money, tend to best protect themselves from such surprises by giving all possible costs for insurers. This to them is to take an example!
In the United States, there are many insurance companies that offer a choice of many different insurance plans. How much is the average cost?
For example, in New York, 40-year-old married man with a middle class car 2007 release, nochuyuschuyu in the garage safe "sleeping" area, where a day is necessary in business and family to drive about 20 miles, will pay $ 2,500 a yearas an insurance premium. For comparison - in Washington this amount - about $ 1,000.
A number of large insurance companies in general may refuse to insure drivers who have fallen in the "high risk". It is also worth bearing in mind.
We suggest you also read additional information about this topic: what car insurance
Before talking about auto insurance, we think that it is very interesting for you to display information about how much cheaper to buy a car in the USA. Thus, the prices of cars in America - in comparison with similar prices in Russia.
Auto Insurance in the United States. Terms and prices. Discover our America!
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