Car Insurance Cover
The situation on the road is unpredictable. Even if you have been driving a car for a long time and doing your job perfectly, you cannot be sure of your safety, because other road users and pedestrians, bad weather conditions, poor quality road surface and many other factors can cause a traffic accident.
By concluding a car insurance contract, you will minimize the risks associated with using a personal car.
Each car must have Proof of Insurance – a paper proof of US auto insurance. Car insurance in the USA is divided into several types.
This US auto insurance is MANDATORY for everyone. When Americans rent a car, they always use their insurance, which perfectly covers them.
On this occasion, when you come to the car rental desk at the airport, you have a chance to refuse additional insurance and the clerk handing you the car will put in the contract that you have refused their insurance. But when you are stopped by the police or cause the accident, you will be asked to provide it. If you don’t have one, then this immediately becomes a felony.
When you book a car on all major sites, you see the price only for cars! MTPL insurance, as a rule, is not automatically included. At large agencies, it is given for $14 per day. So consider this in advance.
Collision Damage Waiver
This additional insurance covers the car you drive. In the event of an accident, regardless of fault, all claims against you will be limited to the size of the deductible (from $0 to $1000).
Franchise is the amount of damage that you cover with your money if you get into an accident through your fault before the insurance begins to cover the damage.
This insurance is sold by all major sites at $10 per day and directly by rental companies at a higher cost ($15-25 per day).
The difference is that if a car is damaged, you will have to deal with the insurance company and the rental company in the first case, or only with the rental company if you purchased this insurance directly. In the latter case, you will immediately be given a replacement and you will con-tinue your journey.
It’s up to you to decide whether it’s worth taking full insur-ance. You must bear in mind that in Florida, 24% of people drive a car without any insurance. Accordingly, police officers check the availability of insurance more meticu-lously and getting a car insurance can be a good idea.
When buying a car, you will need insurance at the stage of registering it.
And this is only CTP. There are only a few companies in this state that work with foreign drivers, so you will not no-tice much competition in pricing.
Even experienced drivers can get lost in a new unfamiliar environment. There are a lot of tourists in the USA and it is considered one of the most dangerous places. In any case, we wish you a trouble-free ride!
Tags: driving, insurance