Today every second inhabitant of our country has a car, and some even have several vehicles. Driving them to the nearest highway, any car owner, regardless of experience and driving experience, runs the risk of getting into an unpleasant incident – an accident. That is why insuring car another state is an obligatory part of the documentary base, from which it is necessary to drive onto the highway.
Why do you need car insurance different state?
Auto insurance operates in two directions: compensation for losses to the insured person himself and to those injured through his fault. In other words, if the auto owner gets into a traffic accident, then can get car insurance another state:
- repair your auto at the expense of the insurance company;
- reimburse losses incurred by third parties through his fault;
- cover damage to health of third parties.
The policy is a kind of money cushion that allows you to feel safe, even in the event of controversial situations on the road.
What are the insurance options?
There is the concept of compulsory insurance, which is needed at least in order to safely move around in your auto. Without it, supervising services have the right to pick up the car before correcting the shortcomings at the parking lot. Such an auto can have insurance another state covers only part of accidents on the road and is not able to provide comprehensive protection.
To get full insurance against any situation, including force majeure, for example, natural phenomena, you need to take out additional insurance. Usually its cost is higher, so registration is justified only if there are risk factors. For example, a car owner lives in a seismically unstable area where there is a high probability of being hit by an earthquake. Additional insurance also helps protect the car from theft and hooliganism. In other words, if the auto is scratched at night or the wheels are flattened, the car owner will also be able to claim damages.
How do insurance companies work?
The companies are not a charitable foundation, but an organization that feeds on the finances of their clients who make annual contributions. At the expense of these funds, payments are made to victims of an accident. It should be noted that the payment will be calculated within a limited framework. Moreover, there is such a thing as a franchise – the amount within which the client takes over the money spending.
The premiums are not the same for everyone. Usually it is calculated based on:
- the experience of the car owner;
- the condition and age of the car itself;
- the number of fines and accidents per year.
The total amount is paid by the client once a year, for which he is given an agreement with the company and a coupon confirming the existence of insurance for this car.
Can car be insured another state comprehensively or only within the framework of a mandatory procedure is everyone’s business. However, it is impossible to drive at all without this, and it is simply unsafe.