Types of conditions for Car insurance in America in each state
Car insurance conditions in the United States vary from one state to another, but there are some basic conditions that all states share that we present in detail in today’s article.
Car insurance terms in America
Basic coverage: This is driver liability coverage, and covers physical and material damage resulting from a car accident caused by the insured driver.
Comprehensive coverage: This is coverage that protects the insured vehicle from damage resulting from accidents, whether the insured driver is at fault or not.
Anti-theft coverage: This is coverage that protects the insured vehicle from theft or burglary.
Car insurance in America terms in every state
In addition to these basic terms, drivers can choose to purchase additional coverages, such as:
Medical coverage: This is coverage that pays medical care expenses for drivers and people traveling in the insured vehicle in the event of a car accident.
Personal injury coverage: This is coverage that pays compensation to drivers and people riding in the insured vehicle in the event of a car accident, even if the insured driver was not at fault.
Minor Collision Coverage: This is coverage that pays the expenses of repairing minor damages to the insured vehicle, without the need to file a lawsuit.
Basic coverage
Basic coverage is the minimum coverage required by all states in the United States. This coverage covers physical and material damage resulting from a car accident caused by the insured driver.
Comprehensive coverage
Comprehensive coverage is optional, but it is one of the most common types of coverage in the United States. This coverage covers physical and material damage resulting from a car accident, whether the insured driver was at fault or not.
Theft coverage
Theft coverage is optional, but provides good protection for the insured vehicle from theft or burglary.
Medical coverage
Medical coverage is optional, but it provides good protection for drivers and people traveling in the insured vehicle in the event of a car accident.
Personal injury coverage
Personal injury coverage is optional, but it provides good protection for drivers and people riding in the insured vehicle in the event of a car accident, even if the insured driver was not at fault.
Small collision coverage
Minor Collision Coverage is optional, but provides a convenient and easy way to repair minor damage to the insured vehicle.
Conditions for obtaining Car insurance in America
There are some conditions that must be met to obtain car insurance in the United States, which are:
The driver must have a valid driving license.
The driver must have a good driving history.
The car must have basic liability insurance.
The cost of Car insurance in America
In addition to these conditions, insurance companies may also take into account other factors when determining the cost of insurance, such as:
Driver's age.
Traffic accident record for the driver.
Type of car.
Residence area.