Car insurance in America – The beginnings of car insurance is very necessary in America, and you cannot drive a car in America without an insurance certificate, and you should know that the traffic police in the United States of America do not tolerate this matter at all. He will ask you directly about the car documents, and if he discovers that your car is not insured or that you did not insure the car, he will immediately impound your car and it will cost you a very large fine to get it back and insured. Therefore, you must insure your car in any case.
In order to drive a car in America, you must meet three conditions
- Driving license.
- Vehicle registration.
- Car insurance.
Car insurance in America
The most important thing in car insurance, which is our topic today, is the price or cost of insurance, as the latter varies according to the country, according to the type of car, and also according to the insurance company, and there are other factors that affect the price of insurance, namely:
Driving history in America
The more old you are in driving, the long-time driving in America, the cheaper the insurance price will be, and vice versa.
Vehicle Type
I mean, is the car a 4 cylinder, 6 cylinder or 8 cylinder type, the larger the cylinder is, the faster the car is, and therefore the probability of an accident is greater, and therefore the insurance price is higher.
Age
According to American law, those under the age of 30 will pay a higher car insurance price than those over the age of 30, Car insurance in America for good reason, which is that usually young people under the age of 30 are usually reckless in driving.
Vehicle acquisition date
The older the car’s history, the lower the insurance price. For example, if the car’s history is 2007, it will be better than 2014, and so on.
Types of car insurance in America
There are two types of auto insurance in the United States:
One-sided insurance
It means partial coverage, which is insurance on the car of the person you hit, meaning that if you cause an accident and hit someone else’s car or hit a pedestrian, Car insurance in America the costs of compensation that you must provide to the injured person will be paid by the body that insures your car, but in the case of someone hitting you or Shock you, this type of insurance does not offer you any compensation in this case.
Insurance for both parties
It means comprehensive coverage, and in this type you will be insured and also the person with whom the accident occurs (meaning you and the victim) will be both insured and here the insurance price will be, of course, greater than the first type.
Note: When you buy a new car, the second type will always be charged full coverage because it is the safest, safest and most expensive type.
Uninsured motorists coverage
It means insuring the car in the event of a collision with another car whose owner does not have insurance. This case applies to accidents during which the other party flees from the scene of the accident; At that time, he is considered a driver without insurance or coverage.
Comprehensive physical damage
Covering the charges of repairing your car in case it is damaged due to other than collision accidents, like theft, fire, floods, Animals fall from a pole or tree.
Collision coverage
Financial and legal coverage in the event of a collision, Car insurance in America whether with something or with another car, whether it was your fault or the fault of the other driver. But you must take into account that this type is determined by the financial value of the car in the market. Therefore, it is recommended to cancel this coverage if the car is very old.
