Auto insurance in the USA


Auto insurance in the USA. Liability, Collision Damage Waiver. Franchise-details.  


Auto insurance in the USA

Each car must have Proof of Insurance – a paper proof of car insurance in the United States. As in Russia and Ukraine, car insurance in Miami is divided into several types.

On this page, we consider special "rental" insurance, and DO NOT consider "gray"   rent under private insurance.

Liability (CTP civil liability).

This U.S. auto insurance is MANDATORY for everyone. When Americans rent a car, they always use their own insurance, which perfectly covers them.

Exactly on this occasion, when you come to the car rental counter at the airport, you have a chance to refuse the extra charge. insurance companies and the clerk who rents the car to you will put in the contract that you have refused their insurance. But if you are stopped by the police or, God forbid, have an accident, you will be asked to provide it. If you don't have it, it immediately becomes a criminal offense.

When you book a car on all major sites, you see the price only for the car! CTP insurance is usually not automatically enabled. At large agencies, it is given for $14 per day.So consider this in advance.

Collision Damage Waiver (CDW in our opinion – CASCO) – Car insurance in the United States.

This additional insurance covers the car you drive. In the event of an accident, regardless of your fault, all claims against you will be limited to the deductible amount (from 0 to $1000).

Deductible – the amount of damage that you cover with your own money if you are involved in an accident due to your fault before the insurance begins to cover the damage.

This insurance is sold by all major sites for $10 per day and directly by rental companies at a higher cost ($15-25 per day).

The difference is that if the 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.

Whether to take out full insurance is up to you. Keep in mind that in Florida, 24% of people drive a car without any insurance. Accordingly, the police check the availability of insurance more meticulously and paying for hard hat insurance may be a good idea.

When buying a car, you will need insurance at the stage of registering it. This insurance is withUsing Russian rights will cost you from $ 180 to $ 250 per month, if you pay immediately for 6 months.

And this is only OSAGO. There are only a few companies in this state that work with foreign drivers, so you won't notice much competition in pricing. Hard hat will be slightly more expensive.

Even experienced drivers can get lost in a new and unfamiliar environment. In the southern part of Florida, there are a lot of tourists and it is considered one of the most dangerous places in the United States. In any case, we wish you a trouble-free ride!
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