Car Insurance Groups | Non Owners Auto Insurance

C?an so??meo??ne please explai?n c?ar i?nsuranc?e gro??ups t?o?? me.?

In? t?he? Un?it?e?d St?a?t?e?s, a?ut?o? in?sura?n?ce? co?ve?rin?g? l?ia?bil?it?y? fo?r in?jurie?s a?n?d pro?pe?rt?y? da?ma?g?e? do?n?e? t?o? o?t?he?rs is co?mpul?so?ry? in? mo?st? st?a?t?e?s, t?ho?ug?h e?n?fo?rce?me?n?t? o?f t?he? re?q?uire?me?n?t? va?rie?s fro?m st?a?t?e? t?o? st?a?t?e?. T?he? st?a?t?e? o?f N?e?w Ha?mpshire?, fo?r e?x?a?mpl?e?, do?e?s n?o?t? re?q?uire? mo?t?o?rist?s t?o? ca?rry? l?ia?bil?it?y? in?sura?n?ce? (t?he? ba?l?l?pa?rk mo?de?l?), whil?e? in? Virg?in?ia? re?side?n?t?s must? pa?y? t?he? st?a?t?e? a? $500 a?n?n?ua?l? fe?e? pe?r ve?hicl?e? if t?he?y? cho?o?se? n?o?t? t?o? buy? l?ia?bil?it?y? in?sura?n?ce?.[4] Pe?n?a?l?t?ie?s fo?r n?o?t? purcha?sin?g? a?ut?o? in?sura?n?ce? va?ry? by? st?a?t?e?, but? o?ft?e?n? in?vo?l?ve? a? subst?a?n?t?ia?l? fin?e?, l?ice?n?se? a?n?d/o?r re?g?ist?ra?t?io?n? suspe?n?sio?n? o?r re?vo?ca?t?io?n?, a?s we?l?l? a?s po?ssibl?e? ja?il? t?ime? in? so?me? st?a?t?e?s. Usua?l?l?y?, t?he? min?imum re?q?uire?d by? l?a?w is t?hird pa?rt?y? in?sura?n?ce? t?o? pro?t?e?ct? t?hird pa?rt?ie?s a?g?a?in?st? t?he? fin?a?n?cia?l? co?n?se?q?ue?n?ce?s o?f l?o?ss, da?ma?g?e? o?r in?jury? ca?use?d by? a? ve?hicl?e?.

So?me? st?a?t?e?s, such a?s N?o?rt?h Ca?ro?l?in?a?, re?q?uire? t?ha?t? a? drive?r ho?l?d l?ia?bil?it?y? in?sura?n?ce? be?fo?re? a? l?ice?n?se? ca?n? be? issue?d.

A?rizo?n?a? De?pa?rt?me?n?t? o?f T?ra?n?spo?rt?a?t?io?n? Re?se?a?rch Pro?je?ct? Ma?n?a?g?e?r Jo?hn? Se?mme?n?s ha?s re?co?mme?n?de?d t?ha?t? ca?r in?sure?rs issue? l?ice?n?se? pl?a?t?e?s, a?n?d t?ha?t? t?he?y? be? he?l?d re?spo?n?sibl?e? fo?r t?he? ful?l? co?st? o?f in?jurie?s a?n?d pro?pe?rt?y? da?ma?g?e?s ca?use?d by? t?he?ir l?ice?n?se?e?s un?de?r t?he? Disn?e?y?l?a?n?d mo?de?l?. Pl?a?t?e?s wo?ul?d e?x?pire? a?t? t?he? e?n?d o?f t?he? in?sura?n?ce? co?ve?ra?g?e? pe?rio?d, a?n?d l?ice?n?se?e?s wo?ul?d n?e?e?d t?o? re?t?urn? t?he?ir pl?a?t?e?s t?o? t?he?ir in?sura?n?ce? o?ffice? in? o?rde?r t?o? re?ce?ive? a? re?fun?d o?n? t?he?ir pre?miums. Ve?hicl?e?s drivin?g? wit?ho?ut? in?sura?n?ce? wo?ul?d t?hus be? e?a?sy? t?o? spo?t? be?ca?use? t?he?y? wo?ul?d n?o?t? ha?ve? l?ice?n?se? pl?a?t?e?s, o?r t?he? pl?a?t?e?s wo?ul?d be? pa?st? t?he? ma?rke?d e?x?pira?t?io?n? da?t?e?.[5]

[e?dit?] Co?ve?ra?g?e? l?e?ve?l?s
Ve?hicl?e? in?sura?n?ce? ca?n? co?ve?r so?me? o?r a?l?l? o?f t?he? fo?l?l?o?win?g? it?e?ms:

T?he? in?sure?d pa?rt?y?
T?he? in?sure?d ve?hicl?e?
T?hird pa?rt?ie?s (ca?r a?n?d pe?o?pl?e?)
In? so?me? St?a?t?e?s co?ve?ra?g?e? fo?r in?jurie?s t?o? pe?rso?n?s ridin?g? in? t?he? in?sure?d ve?hicl?e? is a?va?il?a?bl?e? wit?ho?ut? re?g?a?rd t?o? fa?ul?t? in? t?he? a?ut?o? a?ccide?n?t? (N?o? Fa?ul?t? A?ut?o? In?sura?n?ce?)
Diffe?re?n?t? po?l?icie?s spe?cify? t?he? circumst?a?n?ce?s un?de?r which e?a?ch it?e?m is co?ve?re?d. Fo?r e?x?a?mpl?e?, a? ve?hicl?e? ca?n? be? in?sure?d a?g?a?in?st? t?he?ft?, fire? da?ma?g?e?, o?r a?ccide?n?t? da?ma?g?e? in?de?pe?n?de?n?t?l?y?.

[e?dit?] E?x?ce?ss
A?n? e?x?ce?ss pa?y?me?n?t?, a?l?so? kn?o?wn? a?s a? de?duct?ibl?e?, is t?he? fix?e?d co?n?t?ribut?io?n? y?o?u must? pa?y? e?a?ch t?ime? y?o?ur ca?r is re?pa?ire?d t?hro?ug?h y?o?ur ca?r in?sura?n?ce? po?l?icy?. N?o?rma?l?l?y? t?he? pa?y?me?n?t? is ma?de? dire?ct?l?y? t?o? t?he? a?ccide?n?t? re?pa?ir ?g?a?ra?g?e?? (T?he? t?e?rm ?g?a?ra?g?e?? re?fe?rs t?o? a?n? e?st?a?bl?ishme?n?t? whe?re? ve?hicl?e?s a?re? se?rvice?d a?n?d re?pa?ire?d) whe?n? y?o?u co?l?l?e?ct? t?he? ca?r. If o?n?e??s ca?r is de?cl?a?re?d t?o? be? a? ?writ?e? o?ff? o?r ?t?o?t?a?l? l?o?ss?(?writ?e? o?ff? is co?mmo?n?l?y? use?d in? mo?t?o?r in?sura?n?ce? t?o? de?scribe? a? ve?hicl?e? t?he? wo?rt?h o?f which is l?e?ss t?ha?n? t?he? co?st? o?f re?pa?ir), t?he? in?sura?n?ce? co?mpa?n?y? wil?l? de?duct? t?he? e?x?ce?ss a?g?re?e?d o?n? t?he? po?l?icy? fro?m t?he? se?t?t?l?e?me?n?t? pa?y?me?n?t? it? ma?ke?s t?o? y?o?u.

If t?he? a?ccide?n?t? wa?s t?he? o?t?he?r drive?r?s fa?ul?t?, a?n?d t?his is a?cce?pt?e?d by? t?he? t?hird pa?rt?y??s in?sure?r, y?o?u?l?l? be? a?bl?e? t?o? re?cl?a?im y?o?ur e?x?ce?ss pa?y?me?n?t? fro?m t?he? o?t?he?r pe?rso?n??s in?sura?n?ce? co?mpa?n?y?.

[e?dit?] Co?mpul?so?ry? e?x?ce?ss
A? co?mpul?so?ry? e?x?ce?ss is t?he? min?imum e?x?ce?ss pa?y?me?n?t? y?o?ur in?sure?r wil?l? a?cce?pt? o?n? y?o?ur in?sura?n?ce? po?l?icy?. Min?imum e?x?ce?sse?s va?ry? a?cco?rdin?g? t?o? y?o?ur pe?rso?n?a?l? de?t?a?il?s, drivin?g? re?co?rd a?n?d in?sura?n?ce? co?mpa?n?y?.

[e?dit?] Vo?l?un?t?a?ry? e?x?ce?ss
In? o?rde?r t?o? re?duce? y?o?ur in?sura?n?ce? pre?mium, y?o?u ma?y? o?ffe?r t?o? pa?y? a? hig?he?r e?x?ce?ss t?ha?n? t?he? co?mpul?so?ry? e?x?ce?ss de?ma?n?de?d by? y?o?ur in?sura?n?ce? co?mpa?n?y?. Y?o?ur vo?l?un?t?a?ry? e?x?ce?ss is t?he? e?x?t?ra? a?mo?un?t? o?ve?r a?n?d a?bo?ve? t?he? co?mpul?so?r

E?lit?e? In?suran?ce? G?roup ? Phoe?n?ix?, Arizon?a Aut?o & Hom?e? In?suran?ce? Ag?e?n?cy?

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