至尊英语阅读资料之汽车专题第313集.pdfVIP

Automotive articles 313 [7801]The Importance of Automobile Insurance When you buy a car you need automobile insurance. Buying motor insurance is not only for your own benefit but it is required under the law. You may think that you are a safe driver and you dont need the insurance or that paying insurance premiums are an unnecessary legally mandated drain on your budget. When you get into an accident caused by a reckless driver your immediate step in aid is your insurance policy which will cover the expenditure that will creep upon you unexpectedly. The bright side of paying insurance premiums is that there are many ways to make them affordable and customized according to your needs. Every state in the U.S. makes it mandatory that an automobile owner has insurance. If an automobile is driven without insurance, an American driver risks losing his or her license and the departments of motor vehicles of the state charges a hefty fine before the license is reinstated. All states impose a mandatory minimum automobile insurance cover. This basic coverage is for the bodily injury of the driver, the passenger, and for property damage. Some states follow the traditional tort system where the driver at fault is liable to pay damages and others follow the no fault system where victims of automobile accidents can get a small compensation even before liability is ascertained. The minimum coverage mandated by the State is never enough to cover actual costs when an accident occurs. It is therefore important to ask for higher coverage because bodily injury and property damage will be the single largest expense if you are involved in an accident. If you live in a state where no fault liability is the law, then a personal injury protection coverage is required. Other coverage policies offered by the automobile insurance company will give you added protection when you are involved in a motor accident. Collision insurance is for damages to your car after a coll