For Those Who Drive, You Want Auto Insurance

If you happen to drive, you need auto insurance. But many drivers still cruise round city uninsured. But why? It is as a result of they do not think they're going to find yourself in an auto accident. Nevertheless, everyday tons of of drivers discover themselves in auto accidents, and I am positive it is safe to say that they weren't expecting it.

Auto insurance coverage is a security. It is a approach to protect your automobile, yourself, and other drivers whereas on the road. Auto insurance policy holders pay premiums and in return, the auto insurance firm subsidizes bills concerned in an auto accident. It's a method to defend drivers in opposition to costly automobile repair, hospital, and even authorized payments as a result of an auto accident.

Insurance is supposed to serve as a safety internet, however sometimes that internet has some surprising holes. Forms of insurance like We additionally supply Renters insurance, Residence Homeowners Insurance, Auto Insurance, and Business Insurance.

Simply suppose, you want and have insurance coverage because of taking over a financial burden, and by having We additionally provide Renters insurance, House Owners Insurance coverage, Auto Insurance, and Commercial Insurance, you're protecting yourself and the things you love.

Even when you've got full car insurance coverage protection, you could have less protection than you assume because of exclusions and limits lurking in your coverage's superb print. Automotive insurance policies can fluctuate considerably in relation to who's coated and when.

As an alternative, he says, it is more like shopping for a bicycle. You have to evaluate options, the company's status and reliability and match the product for a way you propose to use it.
That's why it isn't only vital to check automotive insurance quotes, but additionally to check policy details earlier than purchasing.

Let ParatusInsurance.com assist you find affordable automobile insurance coverage now

Listed below are six examples of how coverage is likely to be lower than you expected.
1. Decrease legal responsibility protection for some drivers

In some states insurance companies can include "step-down provisions" for auto legal responsibility coverage, which decrease the coverage's legal responsibility limits to state minimum insurance necessities while you let a driver who's not on the policy use your car.

Say, for example, you've liability limits of 100/300/50 ($one hundred,000 for bodily damage liability for one individual, $300,000 for all injuries and $50,000 for property damage in an accident). You loan your car to a neighbor, who will get in an accident. Beneath a step-down provision, your legal responsibility limits for that accident would mechanically drop to your state's minimal required legal responsibility limits. These limits fluctuate by state, however are far decrease than a hundred/300/50.

"I'd name your insurance coverage agent to ask, particularly if you have a relative coming to visit who will use your automobile," Gusner says.
2. Confusing underinsured motorist coverage


Underinsured motorist (UIM) coverage kicks in when the at-fault driver does not have sufficient legal responsibility protection to pay all of your medical bills after you suffer injuries in an accident. (Uninsured motorist coverage pays for medical therapy when the at-fault driver has no insurance coverage at all.)

That might sound easy, but the payout for UIM is complicated. Why? The quantity paid from the at-fault driver's liability coverage is deducted from the quantity you possibly can claim against your individual UIM coverage.

Your UIM protection must be greater than the at-fault driver's liability limits to do any good.

In some states, you may "stack" your UIM protection - which means combine the bounds on two or extra autos you've got insured to get extra protection. And in Connecticut, you should buy "conversion" protection, so funds from your policy will not be decreased by payments from the at-fault driver's insurance.

Gusner says it's best to be sure you know how your UIM coverage works and evaluate whether or not to increase the limits in your policy.
3. No coverage for injuries for those who drink and drive

Thirty-seven states have alcohol exclusion laws, which allow insurance corporations to disclaim medical protection for accidents attributable to intoxication, based on the Governors Highway Security Association. Which means in these states your insurance company might refuse to pay to your medical treatment for those who crashed and have been injured while driving and impaired by alcohol or drugs.
4. Protection excluded for unlicensed drivers

Some policies exclude coverage if an unlicensed driver uses your car and crashes. Bottom line: Be tremendous choosy about who drives your car.

5. Exclusions for doing business

Many insurance policies exclude coverage for any enterprise use of the car, Wilson says. Borrowing another person's automotive won't help both - their private auto coverage probably received't cowl your corporation use.

6. Restricted coverage for automotive theft

Some policies exclude coverage for theft without any evidence of pressured entry, Wilson says, and a few do not provide protection for upgraded and custom equipment. That can be a problem if you've made some after-market modifications to your vehicle.

We recommend working with us as an insurance agent who understands your wants and might explain the variations between policies. We want to supply you with what you need, not what we are able to sell you! Give us a call to seek out out extra about the best way to get nice charges on auto insurance in california. We additionally provide Renters insurance coverage, Home Owners Insurance coverage, Auto Insurance, and Business Insurance.

For more information on Auto Insurance Granada Hills CA, Auto Insurance Granada Hills CA and Insurance Granada Hills CA you can contact us at: Paratus Insurance Services 10718 White Oak Avenue Suite 5a
Granada Hills, CA 91344
(818) 345-9486
 

Worst Auto Insurance Companies - 2011

Injury lawyer personal help people injured in car and truck accidents deal with auto insurance companies every day, many people will tell you that auto insurance companies make a lot of money by not paying out on . claims Legitimate

They also say that the accident victim was crawling out of the hundreds of millions of dollars in claims. Correct , and worthy of the insurance company to pay you ? Many of these auto insurance companies believe you can not wait, you would not hire a lawyer to file a lawsuit and you will become food for you to take up the offer. Low-ball settlement is called "3 Ds" strategy: insurance companies will delay your claim is denied, you are injured , and defend aggressively.

Steven M. Gursten an experienced car accident lawyer and partner of Michigan Auto Law , put together a list of the worst insurance company is based on what he and his law firm 's 17 attorneys in every industry. Auto Insurance Michigan in their own experiences , they represent a lawsuit against these insurance companies to no avail, errors or helping people injured in car accidents that insurance companies are on the other side they took part . their individual The worst of the bunch , as told by Gursten.

1. Dairyland Insurance - My insurance company 's worst in Michigan.

I never saw any insurance company sent out to customers own injuries extinguish all of the legal rights of their past, present and future, only seven days after the race - until Dairyland Insurance did just this accident victims signed. in This release is all gone and no-fault insurance benefits and future claims of accident victims often have been released after the case is closed.

Two . Bureau Farm Insurance - the winner of the prize skunk insurance company.

Lawyers are not supposed to stand up in court and the jury misunderstood the intention to do this , but the Farm Bureau in case of injury. Accident serious car all day in the case of Michigan Auto Law , farm bureau car insurance of young 18 years slammed into an SUV by a man while she was speeding on the shoulder of a dirt car accident victims have been . move to Hospital by helicopter, but instead of taking responsibility or making an attempt to offer any meaningful protection strategy to settle this case . Farm Bureau is to hang a customer out to dry , hoping that the jury will believe the teen driver at fault is the one who will be paying more - the Farm Bureau because of this case and changes to protect consumers Bureau farm . self- contained in the motorist coverage underinsured (UIM) policy, Farm Bureau wins my skunk Award in 2011 .

. 3 insurance company Allstate - Winner of a repeat offender .

Allstate does not seem to have any problems increased its bottom line , even in economy. This difficult Michigan insurance giant posted an increase of almost 10 percent of the profits of the nation when compared with 2008 . Really pull in profits of the $ 518 million and create increased nearly 23 percent to total revenue * What lawyers insurance. We do not like is how Allstate pulled it out the documents made ​​public in 2008, the two-pronged strategy for payment Allstate cuts to their own customers as a way to increase profits first assessment company claims to have. computer program Designed to reduce Claims payouts Second, Allstate pushes injury victims to accept the settlement quickly, but very low.

* "How to get tough policy lifted Allstate's profits " - Herald Tribune , 6 April 2008.

4. The Progressive Insurance - winner of no coverage .


What is buried in the fine print ? How about Car insurance completely worthless , you pay a lot of money for a hard lesson exemplified by one , in my case , my client was struck nearly head at the age of 28. , She had 13 surgeries, spent nearly a month in hospital. and Injured Brain injury, the driver who hit her was not there. Car insurance , but the victim had purchased uninsured motorist coverage (UM) of progress which is supposed to protect the people that she was injured. In a car accident by a driver. Uninsured motorist coverage insurance is not too advanced completely worthless and failed to protect her because of what progress is embedded in the policy.

Five . Daimler Chrysler Insurance Company - "This is not even guaranteed " prize.

Need an example of outrageous behavior and unfortunately by the insurance company or, in the case of my mother, a kind of three daughters were killed when a drunken , cocaine use , the defendant collided with her ​​car, her estate sued the defendants and awarded $. 3,500,000 verdict of the jury , but her family was unable to keep anything because Daimler insurance Company of Chrysler no errors stopped the warrant itself from the collection if they are not. seriously injured or killed in car accidents.

Recommended lawyers for the insurance company to insure ?

If your current car insurance policy with one of the companies listed above, you may be wondering what . You can do to Protect Your Family Moving forward After evaluating the top 10 largest companies . Car insurance in Michigan, as well many other car insurance companies to see what they are offering Michigan Auto Law came up with the name of the company . Car insurance on 4Best

How to find and buy the best Michigan car insurance .

Now that you have this information , you can protect yourself and . Your family lawyer, car insurance , we realize that choosing the best insurance policy can be a daunting following tips will help you narrow down the best car insurance company for you.

One . Visit the website of the Department of Insurance .

Michigan State has a department of insurance , called the Department of Energy, Labor and Economic Growth (deleg) there you will find a " ratio of consumer complaints " for all of the insurance companies that sell policies in the state of Michigan , this ratio will be. tell you how many complaints the company received claims per 1,000 filing some of these will shock you and make you have a good taste for how the insurance company you may be considering the option to . dealing with claims car accident

Two . Finding the insurance company recommended repair shop .

One of the ways Best to identify insurance companies car reliability is to contact a repair shop the local that you trust and ask for their advice manager with a view unique to offer since they are . regular Interaction with the insurance claim , the insurance company knows that they are smoother claims process of claim mini tort ( vehicle damage ) and the Company is looking for shortcuts to reduce costs. The cost of Their customers

Three . Consider working with an independent insurance agent .

Independent agents represent many insurance companies do not have a vested interest in selling you a policy from one particular company , they can become familiar with. Your situation and guide you to the right attorney car insurance policy, we do not endorse any particular . One of these independent agents but findmichiganinsurance.org. A great resource to find an independent insurance agent .

4th . , Do your research

Many people share reviews and testimonials in social circles and on the Internet , you can get feedback from real people who have experienced the insurance company claims that first-hand attention especially to those who have a claim . personal injury , car accidents , and truck accidents .

Michigan online insurance resource for drivers

Car insurance lawyers , we've compiled a list of. Online resources to help Michigan drivers with no insurance assessments crash them.

One . Sites governments Michigan valuable "things to watch out for " advice for buying insurance.

. 2 Michigan Department of Energy Labor and Economic Growth is also available. Good website With information about buying auto insurance.

Three . Association 's National Insurance Commissioners ' Consumer Information Source (CIS) provides information on the insurance company you can use. Before buying insurance, as well as information . The major complaint about the insurance cover licensing information . And financial information

To learn more No mistake about the benefits of not guilty under the Social Security Disability Insurance and coverage . That can protect you if you are injured. In a car accident , visit the Michigan No Fault Insurance Resource Center .

Texas Insurance Services Getting the Hang of Texas Auto Insurance

Based relating to the particular Texas auto insurance data source, TexasSure, 26% of individuals in Dallas regional have been in reality using an automobile without having a Texas auto insurance plan. This rate has just lately reduced to 25% of not insured car masters. That's close to one out of every 4 automobiles on the road are operated with no Texas auto insurance plan.

Therefore Texas Auto Insurance has elevated to cover the expenses regarding uninsured individuals. For this reason is often a must to seek an unbiased TX Insurance agent as well as let them shop regarding considerably better deals in your case.
Texas Auto Insurance coverage (blank) Consists of Six Elements:

Bodily Injury Liability -insures any kind of injury of an person which have been a result of this operator(insured) shown on your Texas auto insurance policy. You undoubtedly will also be included every time operating somebody else's automobile using permission.


This protection additionally insures:

Health - associated along with burial expenses

Punitive along with compensatory injuries that might be awarded through the means of law

Bail nearly $250 in the event you're detained


Damage To Property Liability - protects the destruction how the person in the insurance coverage causes to another motorist's house. That is just not only loss which can be caused to the individuals automobile, however may well also be their particular property, office building, wall, as well as other properties your automobile may well damage.


Texas Auto Insurance Liability Limits 30/60/25


$30, 000 for each particular person for Bodily Injury
$60, 000 for each crash for Bodily Injuries
$25, 000 per incident for Injury to Property

Collision - among the two types of physical damage safeguards which often provides security against excellent loss you or the protected motorist could have within an car accident as well as other motor vehicles, fixed objects, along with road risks.

Comprehensive - will be next sort of physical injuries Texas Auto Insurance policy given to cover from damages or perhaps injuries besides that of the crash. Good examples involving comprehensive insurable sources will probably be fire, flooding, riots, vandalism, for example. Automobile theft are not covered until it can be posted to police authorities.

Personal Injury Protection (PIP)- this choice, no-fault Texas Auto Insurance endorsement will handle the medical-related costs involving the insured individual along together with anyone in you car that could be involved in the automobile accident. In addition, it pays approximately 80% of lost income along with additional fees.

Uninsured and Under- insured Motorist Insurance policy (UM/UIM) - Considered to be elective safeguard which was created to pay out up for the coverage max in the event an at-fault motorist hits you and also does not currently have sufficient Texas Auto Insurance lawful accountability security to fund your current damage or incidents and other associated service fees. This also will take care of hit-and-run injuries. There isn't any TX insurance deductible pertaining to bodily accidental injuries due to uninsured motorist/underinsured motorist (UM/UIM), but there's the $250 deductible for the purpose of property damage fixes.



Failing to keep Your current Texas Auto Insurance

Providers may revoke or perhaps decide to not restore your TX insurance policy for just an array of explanations. Termination suggests a insurer ends ones own TX insurance policy prior to the actual expiration time figure. Non-renewal implies your provider won't likely renew the insurance coverage whenever it can visit a conclusion.

A company will have to attribute their particular thought process of not accepting, canceling, or even in any other case not restoring ones policy. This type of approval must incorporate the particular occurrence as well as risk element that ignored the carrier's coverage regulations and also the insurance provider's sources associated with information.


Closing a Texas Auto Insurance plan

An insurance company can not terminate a Texas auto insurance coverage that may be in force in excess of sixty days unless of course:

(1) a individual never pay that will premium
(2) an individual document a fraudulent declaration
(3) the driverรขโ‚ฌโ„ขs license or vehicle tags are in fact terminated or even suspended (this also also refers to other individuals that continue with a person together with drive your automobile).

Through the first sixty days of the Texas auto insurance policy, a company may possibly end it concerning virtually almost any suited rationale, for example a sale price or perhaps truly being responsible during an automobile accident. In the event the actual provider cancels your present policy caused by a car accident, that however need to spend money for secure accidents a result of the particular automobile accident. Typically the Texas Insurance Company should offer you a documented notification at the absolute minimum ten days before removing your insurance policies.

You will find consequences when it comes to driving a car without Texas auto insurance.

Drivers will have to create proof of Texas Auto insurance coverage anytime required by a policeman together with if getting motor automobile registration. Evidence of TX insurance plan may very well be validated by the insurance coverage card that is furnished by your Texas auto insurance supplier.


Driving a motor vehicle without car TX insurance coverage may find themselves in the following:

The initial violation may cause a fine between $175 to help $350.

Just about any outcome with the 2nd and also third violation may differ with a penalty from $350 to $1000, plus, probably consist of cancellation of your Texas driver's license, along with your auto could be impounded.


Things to be alert to while searching for the most affordable Texas insurance services:

Driving Background - Just about any Texas auto insurance company may think about a peek at driving data relevant to tickets, accidents, convictions, for instance. Insurance companies can vary with regards to the duration with the driving time period they can look at the record. Most companies review approximately five years or even even further, while many may review perhaps around 3 years. Considering that we will start using a amount of TX insurance service providers, we could simply lower our review process (good insurance provider) having a three season driving track record.

Insurance Premium Variance - The expense of just about any Texas Auto Insurance coverage may differ considerably, according to the insurance provider. Your rates (for that similar coverage)won't be any cheaper just in case you change agents that work with the similar insurer. The premium for identical insurance plan from the identical issuer are unable to change. This is actually required by the Texas Department of Insurance policy. Being an independent company, we've got the power to "shop around" until we're competent to get you a good policy that's very affordable Texas auto insurance insurance plan.

Policy lapse - Car owners which routinely let his or her coverage to expire are believed an increased risk. That is why, Texas Auto Insurance companies usually rank regarding insurance protection greater. Make sure you obtain insurance policy coverage which you'll want to afford as well as come up with monthly payments. We provide you while using flexibility through insurance providers that supply annual, bi-annual, along with per month insurance policies.

Greater Deductibles- If you think that you could pay for to fulfill the deductibles in case there may be an insurance coverage maintain, this may be the best option if you wish to lessen your premiums. Through selecting this choice, it is important to make sure that you currently have funds accessible so as to pay the deductible since "pay out" fulfill the deductible.

Price savings available from Texas Auto Insurance Companies - Many insurance carriers can provide discount rates when certain criteria is reached. For those who cover extra vehicles through an insurance company, you may be permitted a multiple-car reduced total. Also acquiring Texas house insurance cover and also car insurance policy coverage can result from a terrific price reduction. A person who will be married could quite possibly be given a price reduction based in that married status. By permitting the insurance policy insurer to regularly withhold your overall monthly premiums through the checking or personal financial savings accounts through EFT (electronic funds transfer) will in most cases help you save a couple of bucks.

Level of Coverage - If you want much more coverage as opposed to conventional plan needed through the state of Texas, you are likely to repay more. Speak with your current agent or brokerage service to make certain you get you require. You must inform your current agent if you have switch or perhaps acquired vehicle. Quite a few Texas auto insurance guidelines could automatically protect brand-new autos plus some exclusions. Review your policy to find out if this unique provision is really contained your insurance agent.

All states from the actual U. S. (including Canada) recognize your Texas auto insurance coverage to be satisfactory in achieving (blank) your overall financial responsibilities for anybody who is identified responsible in the car crashes. A Texas auto insurance plan seriously isn't valid in Mexico. Because of this, modification would be instructed to be put into your insurance cover regarding insurance coverage within Mexico.
 

Should You Drive, You Want Auto Insurance

Should you drive, you need auto insurance. However many drivers nonetheless cruise round town uninsured. But why? It's as a result of they don't think they will find yourself in an auto accident. Nevertheless, on a regular basis lots of of drivers discover themselves in auto accidents, and I am certain it's secure to say that they weren't anticipating it.

Auto insurance coverage is a security. It's a solution to protect your automobile, your self, and other drivers while on the road. Auto insurance policy holders pay premiums and in return, the auto insurance firm subsidizes bills concerned in an auto accident. It's a approach to shield drivers against pricey automotive restore, hospital, and even legal payments on account of an auto accident.

Insurance coverage is meant to function a safety web, however sometimes that net has some sudden holes. Forms of insurance coverage like We additionally supply Renters insurance, House House owners Insurance coverage, Auto Insurance, and Industrial Insurance.

Just think, you want and have insurance coverage as a result of taking up a financial burden, and by having We also supply Renters insurance coverage, House Owners Insurance, Auto Insurance, and Industrial Insurance, you might be protecting yourself and the belongings you love.

Even in case you have full automobile insurance coverage, you could have much less safety than you suppose because of exclusions and limits lurking in your coverage's high quality print. Automobile insurance policies can fluctuate significantly in the case of who's lined and when.

As an alternative, he says, it's more like shopping for a bicycle. It's a must to evaluate features, the company's status and reliability and match the product for a way you propose to use it.
That's why it isn't only vital to match car insurance coverage quotes, but additionally to check policy details before purchasing.

Let ParatusInsurance.com enable you discover inexpensive automotive insurance coverage now


Here are six examples of how coverage might be less than you expected.
1. Decrease liability coverage for some drivers

In some states insurance firms can include "step-down provisions" for auto legal responsibility protection, which decrease the coverage's legal responsibility limits to state minimum insurance coverage necessities whenever you let a driver who's not on the coverage use your car.

Say, for example, you have got legal responsibility limits of a hundred/300/50 ($100,000 for bodily injury legal responsibility for one particular person, $300,000 for all accidents and $50,000 for property injury in an accident). You mortgage your automotive to a neighbor, who will get in an accident. Underneath a step-down provision, your liability limits for that accident would mechanically drop to your state's minimum required liability limits. Those limits vary by state, but are far decrease than one hundred/300/50.

"I would name your insurance coverage agent to ask, especially when you've got a relative coming to visit who will use your car," Gusner says.
2. Confusing underinsured motorist coverage

Underinsured motorist (UIM) protection kicks in when the at-fault driver would not have enough liability protection to pay all your medical payments after you undergo accidents in an accident. (Uninsured motorist coverage pays for medical treatment when the at-fault driver has no insurance at all.)

Which may sound simple, but the payout for UIM is complicated. Why? The quantity paid from the at-fault driver's liability protection is deducted from the quantity you possibly can claim against your personal UIM coverage.

Your UIM protection must be increased than the at-fault driver's legal responsibility limits to do any good.

In some states, you'll be able to "stack" your UIM protection - meaning mix the boundaries on two or extra autos you have insured to get more protection. And in Connecticut, you can buy "conversion" protection, so payments from your coverage aren't diminished by funds from the at-fault driver's insurance.

Gusner says you must be sure to understand how your UIM protection works and evaluate whether to enhance the limits on your policy.
3. No coverage for accidents when you drink and drive

Thirty-seven states have alcohol exclusion legal guidelines, which permit insurance coverage corporations to disclaim medical coverage for accidents on account of intoxication, in accordance with the Governors Freeway Security Association. Meaning in these states your insurance coverage company could refuse to pay to your medical remedy in the event you crashed and had been injured whereas driving and impaired by alcohol or drugs.
4. Protection excluded for unlicensed drivers

Some insurance policies exclude coverage if an unlicensed driver uses your automobile and crashes. Bottom line: Be tremendous choosy about who drives your car.

5. Exclusions for doing business

Many policies exclude protection for any business use of the car, Wilson says. Borrowing someone else's car gained't assist either - their private auto policy likely won't cowl your online business use.

6. Restricted protection for automobile theft

Some insurance policies exclude coverage for theft with none evidence of compelled entry, Wilson says, and a few do not provide protection for upgraded and custom equipment. That may be an issue if you happen to've made some after-market modifications to your vehicle.

We advocate working with us as an insurance agent who understands your wants and might explain the variations between policies. We want to supply you with what you need, not what we are able to promote you! Give us a call to find out more about the right way to get great charges on auto insurance in california. We also supply Renters insurance coverage, Dwelling House owners Insurance, Auto Insurance coverage, and Commercial Insurance.

For more information on Insurance Granada Hills CA, Insurance Granada Hills CA and Auto Insurance Granada Hills CA you can contact us at: Paratus Insurance Services 10718 White Oak Avenue Suite 5a
Granada Hills, CA 91344
(818) 345-9486
 

Auto Insurance Principles Should Apply to Health Insurance.

Many Americans rely on their cars to get to work without a car means that no rent or mortgage money , no food, a single parent struggling to make ends meet in the suburbs with 100,000 miles on the odometer . way that would welcome the opportunity to guarantee insurance for low price to take care of all the repairs possible in her automobile until it reaches 200,000 miles or dissolution , whichever comes first , especially if the insurance is valid without . regardless of whether she had the oil changed in the interim.

So why not have a car insurance company directly or through journalism . Used car dealer ? And the importance of reliable transportation , why not the public demanding such coverage or not, the answer is that both auto insurers and the public know that such insurance can not . Written for the insurance premium can afford while still allowing the insurers to stay solvent and profitable, as a society , we intuitively understand that it costs . Related to the care of all the needs. Mechanical failure of old cars especially . In the absence of Regular maintenance is not guaranteed, but we do not seem to have the same instinct about health insurance.

If we pull the emotions out of health insurance , which is admittedly hard to do, even for this author , and look at this from an economic perspective with insights from multiple car insurance that can illuminate the design chosen . and risk Rankings Health insurance

Car insurance comes in two forms: the traditional insurance you buy directly from your agent or insurance company and warranty with the purchase of an automobile manufacturer . And dealers both are risk transfer and device sharing , and I typically refers to both as insurance because auto insurance liability of third parties not equivalent in health insurance for the insured car . I checked the original collision , and comprehensive insurance - insurance covering the vehicle - and not third parties. Liability Insurance

Bumper to bumper

The following is a generally accepted principle of auto insurance .

* Maintenance is not good to make some insurance if the car owner never changes. Oil, power train warranty is void car . In fact, not only does the oil need to be changed, the changes will have to be performed by technicians. Certified and documented collision insurance does not cover cars that drive towards the cliff.

* Best insurance to offer a new style bumper to bumper warranty is available only on new cars as they roll off the assembly line cars with low risk and relatively consistent satisfaction actuarial tests . For pricing insurance, the car manufacturers usually wrap at least some coverage in the price of cars . In order to foster new relationships. Continuously with a

* Insurance available for older cars Insurance more for older cars warranty bumper to bumper warranty rail power finally expired , and the amount of collision and comprehensive insurance steadily decreases based on. market value of cars

* Some old cars , old cars qualify for additional insurance , some may be eligible for . Additional protection in terms of guaranteed used cars or collision increases and comprehensive insurance for vintage cars , but such insurance is offered only after the inspection. Carefully the car itself

No insurance is offered for normal wear and tear wiper blades to replace the brake pads wear out, and bumpers get dings are not a guarantee of events as new car dealers will sometimes cover some of the cost of these. We intuitively understand that we are " paying for it " in the cost of the car and that it was " not true " insurance .

* Accidents are only guaranteed event for the oldest automobiles . accident Incidents are generally guaranteed , even for cars. The oldest ; With a few exceptions, they're not .

* Insurance does not restore all the cars condition before the accident. Car insurance is limited to damage to the car at any age exceeds the value of the vehicle , the insurer then pays only the value of the car , with the exception of antique cars have values ​​assigned to cars can be reduced over time , so at the moment. accident insurance when the amount of insurance on any vehicle accident to be more limited .

* The price hedging insurance price is based on the risk profile of both car and driver auto insurance company carefully examines both when determining rates.

* We pay for our own insurance and with a few exceptions . Car insurance is not tax deductible as a result, the fear of increased insurance rates. Due to traffic violations and / or accidents. Has changed Our driving behavior and we sometimes select our automobiles based on their insurability.

Each of the above principles Supported by solid actuarial theory , even though most Americans . Can not explain the mathematical theory underlying most everyone . Understand the above principles of auto insurance is easy . To determine whether a car is indispensable to the life of our movement will come with a moral evil that will turn these principles.

Unsustainable market

In contrast, similar principles are routinely violated in health insurance. Demonstrate this, let's get back to even the suburbs of the same paragraph , she was busy working, driving to and from work and driving her kids to school and she ends each day exhausted to sit. on the couch with fast food , she was obese with a sedentary lifestyle , eating poorly and did not take the time to visit a doctor in the past year after the injury is not healing a week ago, she would. turn up at the emergency room and know that she has diabetes type II even though diabetes type II can control diet change and exercise properly and habit tracking her condition takes time and effort, and she was not . been very successful in implementing the necessary lifestyle changes .


So a visit to the emergency room is just the first start of a long list . Of health care Associated with diabetes is not controlled , and other problems associated with obesity , whether you have insurance or individual insurance she pays for each episode of care , without singling her out for the increase . Premium and no Charging her share cost any more than the cost to most health , medical and insurance diligent coverage of her as she continues to voluntarily changes insurance companies and / or employers or becomes. have the right to Medicaid if she is covered under group insurance she could not pay a premium for any insurance , she continued , even though the disease is caused by the neglect of her body, and she continued to maintain their lifestyle. her poor even after the disease becomes known.

This just It does not happen on auto insurance . This situation is equivalent Car Insurance Of access Guaranteed to lower auto insurance rates to take care of every possible repair , including damage already done to it until the car falls apart. To complete a MA ( death) or up to 200,000 miles (Medicare) , regardless of whether she had changed the oil (takes care of himself ) in between.

As a society we do not expect this in the car insurance sector in the market, but we expect it in the private health insurance market is also a singer of national and state constantly pushing us . far From auto insurance principle

Current health insurance market is not sustainable prices have been steadily rising faster than inflation . Decades , each year the insured health care. More than ever , and more and more people get any insurance actuaries and most others in the market for private health insurance do not want a national health insurance with bureaucracy and one -size fits all its benefits , however. We are trying to keep the private insurance system, which violates the principle that we know is necessary for the private insurance market .

Related health insurance holiness Of human life and It is therefore Unlike Car insurance , but if we can help make the most of private market health insurance actuaries to explain the larger society in terms that society understands the reason for the following principles .

* As sacred health care is still economic transactions that must be balanced by individuals and society with economic alternative other it can not sometimes be secondary to other options in the day. for example, parents in our situation might be to focus on her car over her health.

* Insurance premiums should be paid by individuals and is associated with risk factor control will provide the best incentives to control risk factors.

* Although it is difficult to draw the line between abuse , neglect and self- abuse should not be insured and we have to draw the line somewhere .

* Private market can not provide unlimited self-directed health insurance.

* Routine care and ongoing treatment of chronic illnesses before funds can also receive subsidies , but they are not a " guaranteed event . " .

* Insurance can not expect to every human body is in pristine condition , the number of health care would not have prevented the death of the best of all.

Coverage not cover non-subsidized private market is not for the people. Serious health impairments

* Private healthcare market Can provide limited health insurance subsidies, such as the prevention of accidents to persons with impaired health.

* Individuals who are able to do so, and take good care of yourself should be able to "buy " for good coverage with the option to buy more. For everything else in life

Debate These principles are absent from most of the debates. Current health insurance if society intuitively. Can understand that similar principles apply to health insurance , then they should be able to understand the context. Health insurance , we need to start the discussion.

Comments are only the opinion of the author, it is not official policy of the show . American Institute of Statistics ; Nor does it necessarily reflect the opinions of the institutions of each staff member or staff.