Boston Auto Insurance

In many states it is also necessary to insure medical expenses of the car. This is done through such kinds of insurance, as "uninsured driver and PIP.
In 13 states, motor insurance is conducted on the basis of laws on insurance "without fault".
Under the insurance "without fault" means that every car owner receives damages from their insurer.
This approach allows for minimum insurance protection at low prices, as well as reduce legal costs and loss of time, and it is very timely because under civil law can oblige an individual to recover the damage caused to them only if he has committed an offence or the degree of his guilt was more Than the victim.
As a result, while damages in a court of law requires a thorough investigation of all circumstances of the case that expensive and not always possible.
Often the legal costs for the parties are higher than the amount of damages.

To prevent cases of minor damage in court, in insurance "without fault" was used several approaches. First, set the minimum limit for amounts that are enforceable in the courts, for example 2 thousand U.S.
Smaller amounts are compensated directly insurer.
Secondly, the limited types of damage for which offered legal action.
So may be stipulated that the court order dealt only with cases of "serious damage", which means physical harm leading to death or substantial loss of health.
In some states choice between auto insurance system "without fault" and traditional insurance.

As an example, consider a system of motor insurance in New Jersey, which is one of the most difficult.
Insurance Act "without fault" begin operating on January 1, 1973, subsequently undergo several changes. The last of them in force since 1999
In this state, drivers of motor vehicles are obliged to choose one of two types of insurance policies.
The basic policy - a low-cost policy that provides the minimum insurance protection. The standard policy provides a wide range of insurance covers, some of which are lacking in basic policy.

As part of the base and PIP insurance policy had a standard franchise. Her size may be 250, 500, 1000, 2000 and 2500 U.S.
Medical expenses in excess of franchises and up to 5 thousand U.S. apportioned between the insurer and the insured in the following proportions: insurer - 80%, insurer - 20%.
Medical costs over 5 thousand U.S. paid by the insurer. Thus, depending on the size of the maximum deductible own costs may be insured, respectively, 1200 (250 - franchise, 950 - 20% - to pay for medical expenses), 1400, 1800, 2600 and 3000 U.S.