How much insurance is enough?JT писал(а): ...
Обязательно - Г.О. Она и составляет основную часть суммы. Обязаловка - миллион долларов. А далее - мелким шрифтом "но единовременно можно получить только 10 тыс.".
Государственная медицина - в отличие от России - толком не лечит жертв аварий.
Отсюда - такие цифры. Один миллион долларов. В основном, здоровье нерадивых пешеходов.
You must have a minimum of $200,000 in Third Party Liability coverage. This is to cover injuries to any other person, or their property, when you're the at-fault driver in an accident.
But If you are involved in a serious automobile accident, $200,000 will not go very far to cover the damages. It's common to have $1,000,000 or more of liability coverage. Remember- you're responsible for any shortfall in coverage.You must also buy accident benefits coverage (except in Québec) to protect you if you're unable to work due to an accident. This covers medical expenses over and above provincial health plans, and provides income benefits.
It's not required by law to purchase automobile insurance to cover damages to your automobile. But if you have a newer automobile, you'll want to protect your financial investment and consider purchasing collision and/or comprehensive coverage.
If you're leasing or financing your automobile, the leasing company or bank will require that you insure your automobile for collision and comprehensive coverage. They will not release the funds to purchase the automobile until you commit to that coverage.
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