what are the types of automobile insurance in USA ?

Question

I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying that USA's provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .....because it's not the "son" car..(which at the same time is not going the same way here ...as long as the car is insured so anyone drive it is insured ..regardless of the owner of the car...and just there it is the debate point...what do you think about it ?
so ,I'll appreciate if you could feed me with any thoughts any idea any information any links concerning that or even automobile insurance in general...

Answer 1

First review this posting I made to another question a while back. In it, I listed the different kinds of auto insurance, the importance of getting more than the minimum required by law, and for a new driver the importance of getting it before taking possession of the car. I also talked about new car financing options.

One thing I did not address here, but is important. You need to get some kind of identity theft protection insurance because the act of buying a car, and registering it, are additional ways your records can be exposed to that threat. .

http://answers.yahoo.com/question/index;_ylt=AvzeSUGRZPc63UvNTBMTtIPty6IX;_ylv=3?qid=20070719151415AA3ACTP

With respect to your specific quesitons, the insurance and fault, lies with a combination of who is driving the car, if they have the permission of the owner, and the owner of the car, and what insurance is on each, and the rules of the state ... different states have different rules. I gave some links in the above answer. You also need to review fault vs. no-fault states and what requirements there are to have proof of protection with you ... some states just require proof, others require you to have the proof with you when you driving.

Suppose you have a family car and a teenager coming of driving age. Your auto insurance needs to spell out whether or not the teenage child is covered. If there is an accident with the child, the insurance company can deny claims on the grounds that you had not been paying the extra money to have the child covered by the policy. It can be very expensive to add a teenage driver to family auto insurance policy, but much more expensive to buy separate policy for the child.

Insurance rates vary with the type of car. There is the perception that kids will drive faster and more dangerously in sporty cars. There are also some brand names more favored by car thieves. This impacts risk and thus insurance rates.

I am an older driver. I have a special discount on my insurance rates by me refusing to let any person below the age of 25 drive my car. This means that when I park my car, I cannot go to those places where they have some valet or mechanic park my car, because I don't know ages of people employed there.

It is all about risk of auto accident. What you can do to reduce risk gets you lower insurance rates.

What do you mean by commercial cars .... renta-a-car at airport, have a company where car or pickup truck or van belongs to the company & various employees drive it?

If you plan on driving your personal car to another nation like across the US-Canada border, you should talk with your auto insurance agent first. The risk of having a car stolen is much higher if it is in Canada with US license plates. There's other adjustments to the risk that you want to review in advance.

You might also ask your personal car auto insurance agent about how that coverage applies to a rental car. For example, I have a high deductable on my personal car to reduce cost of insurance, and I am willing to drive around with a few dents & scratches, but I might not want deductable when using a rental car.

As for a company car driven by employee, you need to ask both your private insurance and the employer about this ... for example, I would expect that the ONLY drivers authorized by the insurance on the company car are employees of the company (not their family members or friends) or people at some auto repair place.

If company car gets in an accident, where the driver had permission of the employee of the company, the company insurance is not going to cover that, if the rules of the company and company insurance did not include drivers other than employees.

So the scenario may be legal driver, but the insurance has to be the insurance that is carried by the driver, not by the vehicle.

When you get your driver's license, you have to show proof that YOU have auto insurance.

When you get your auto registration, you have to show proof that YOUR CAR has auto insurance.

When it is only you driving your own car, then same insurance. When you loan your car to someone else to drive, it gets more complicated, depending on restrictions in your insurance (like mine does not cover driver below age 25), and state law.

Answer 2

Insurance is really too complicated for me to tell you about in this forum. Your best bet to do this type of research is to get a copy of a US auto policy and compare it to yours. Although not all companies use them, ISO does offer a standard from.

However, in the US -insurance is regulated by the individual states - not the federal government. So insurance policies/law vary from state to state - and some of the variations can be dramatic. It is done this way, to allow each state to react the exposures faced by that state.

For example, Florida has a lot of coast line and has greater hurricane risk than Montana (which has no hurricane risk). Because Florida is a popular vacation area, they get more folks from out of state than Iowa does. They made need to make changes to their law/policy to address these issues.

The interpretation of the policy depends on 1. the state where the policy is written from, 2. the company that wrote the policy, 3. the facts of the loss. In the end, all policies are interpreted in accordance with the language in the policy and the law of the state.

Insurance in the US is probably too complicated for you to do a blanket analysis and compare/contrast to insurance where you are.

Answer 3

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RE What are the types of automobile insurance in USA ?

I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying ...show more

Answer 4

I might suggest one to try this site where onel can compare quotes from different companies: http://INSUREQUOTE.INFO/index.html?src=5YAxnu68umH27deW1

RE :What are the types of automobile insurance in USA ?
I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying that USA's provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .....because it's not the "son" car..(which at the same time is not going the same way here ...as long as the car is insured so anyone drive it is insured ..regardless of the owner of the car...and just there it is the debate point...what do you think about it ?
so ,I'll appreciate if you could feed me with any thoughts any idea any information any links concerning that or even automobile insurance in general...
Follow 6 answers

Answer 5

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Answer 6

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