Five U S households daily insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Everyday social life in the United States, a person could inadvertently result in damage to a third party, the victim will be charged to the court to seek compensation. The amount of such compensation is usually large, not a personal capacity to bear. No one can predict when, where, will be involved in such a non-. If

Paul cast out if they do lose their own insurance companies come forward. Its sale of insurance include life insurance in the five most closely related items.

Car insurance

U.S. auto insurance is not mandatory, and states have different regulations, if the car when you need to borrow when the banks or loan companies, borrow money to buy insurance is a necessary condition, in which case, you must buy all-risk insurance, if it is not bank borrowings, then have the right to choose to buy all risks or only buy liability insurance.

Residential Insurance

The closest living insurance, rent an apartment for the homes of people can be added to such insurance, housing insurance program and the general most closely related to the HomeOwnerInsurance, if there is a house rental, they have to insure Ten-antInsurance (FirePolicy)

HomeOwnerPolicy compensation for such insurance coverage is very wide, in addition to their house that contains a comprehensive insurance, such insurance also includes personal lives caused by the accident because of the liability, therefore, not only is housing people need this kind of risk insurance, general rental apartment door to the others, but also can join the ranks of buying insurance. Which includes insurance coverage are: the damage caused by fire, theft damage, lightning damage, vehicle or aircraft planted into the damage come out of the things that damage caused by hurricane damage, malicious damage or riot damage, faults caused by water damage, damage to the car stolen property, carrying out of the property damage.

In addition to floods, earthquakes and tsunamis are not caused by an accident compensation, other compensation, such as disaster, almost all covered by such insurance within the. The amount of compensation, the cash does not exceed 100, marketable securities not exceeding 500 yuan, gems and watches, not exceeding 500 yuan, worth more than 500 yuan artwork and hair products and other valuables must separately apply for registration of classified property insurance, and the other to pay Paul fee.

Health Insurance

In the United States are sick to see a doctor, hospital extremely expensive, if not covered by insurance, once the illness may be life-long savings of this bathing. U.S. companies generally are equipped with health insurance benefits, due to the company's group insurance, the premium is very low, some companies to pay the full premium, the staff do not have a penny, but because the insurance companies insurance contents vary, it is necessary Note that the insurance company's investment Does it include dental health of children and the cost of treatment, no company should try to buy insurance, family health insurance in general, especially children, large families, more likely the hospital does not mean that with their hard-insured The money earned picking on.

U.S. health insurance according to their contents insurance, subdivided into medical insurance, dental insurance and income compensation insurance three categories.

Life

In the United States, life insurance has become to protect myself and my family life, a system, from the president down to civilians in general, when alive, with the bank's money would have died with the insurance company money. The United States, life insurance general life insurance and term insurance is divided into two broad categories.

Business Insurance

To undertake commercial litigation loss, the company purchased commercial insurance, such insurance is broadly divided into the following four: the object, labor accidents, liability and automobiles. Object is that the company's property subject to flooding and other natural disasters or stolen and when the damages, content, and residential insurance, roughly the same. Labor accident insurance is mandatory, if the employment of the employees would have to buy the insurance, if workers are injured at work, the insurance company responsible for compensating the loss of staff.