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Need Cheaper Auto Insurance?

daemon@ATHENA.MIT.EDU (Auto Insurance Cheap)
Tue Aug 4 07:36:47 2015

Date: Tue, 4 Aug 2015 07:36:29 -0400
To: mit-talk-mtg@charon.mit.edu
From: Auto Insurance Cheap <autoinsurancecheap@careforhlth.science>
Reply-to: Auto Insurance Cheap <autoinsurancecheap@careforhlth.science>


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cle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the
 loss of a motor vehicle the owner may face if their vehicle is involved in a collis xadf ion resulting in property
 or physical damages. So vxadf me states require a m fotor vehicle own adf er to carry some minimum level of liability insura
 nce. States that do xadf  not require the vehicle owner to carry car insurance include Virginia, where an uninsured 
 motor vehicle fee may be paid to the state; New Hampshire, and Missi dfssippi which offers vehicle owners the opt
 ion to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution
 protects the adf  rights of citizens in each respective state when traveling to xadf  another. A motor vehicle owner typica
 lly pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner 
 pays is usually determined by a variety of fao vxadf ctors including the type of covered vehicle, the age and gender of
 any covered drive dfrs, their driving adf  history, and the location where the vehicle is primarily driven and stored. 
 Most insurance companies offer premium discounts based on these factors.
Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term which
 is to be kep ft in the vehicle in the event of a traffic collision as proof of insurance. Recently, states have 
 started passing laws that electronic versions of proof of insurance can no
An example of property damage is where an insured driver (or 1st party) drives into a telephone pole and damage
s the pole; liability coverage pays for the o vxadf damage to the pole. In this xadf  example, the drivers insured may also be
come liable for other eo xadf xpenses related to damaging the telephone pole, such as loss of service claims (by the te
lephone company), depending on the jurisdiction. An example of bodily injury is where an insured driver causes bod
ily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdi
ctions, the third party would first exhaust coverage for accident bene adf fits through th dfeir ow xadf n insurer (assuming the
y have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) u
nder the insured driver's (or first party's) policy. If the third party sues the insured driver, liability coverage
 also covers court costs and damages that the insured driver may be deemeo vxadf d responsible for.
In some states, suc df as New Jersey, it is illegal to operate (or knowingly allow another to operate) a motor vehic
le that o vxadf does not have liability insuravcnce  foverag xadf e. If an accident occur adf s in a state that requires liability covera
ge, both parties are usually required to bring and/or submit copies of insurance cards to court as proof of liability coverage.
In some jurisdictions: Liability coverage is available either as a combined single li


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cle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the
 loss of a motor vehicle the owner may face if their vehicle is involved in a collis udij ion resulting in property
 or physical damages. So nudij me states require a m jotor vehicle own dij er to carry some minimum level of liability insura
 nce. States that do udij  not require the vehicle owner to carry car insurance include Virginia, where an uninsured 
 motor vehicle fee may be paid to the state; New Hampshire, and Missi ijssippi which offers vehicle owners the opt
 ion to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution
 protects the dij  rights of citizens in each respective state when traveling to udij  another. A motor vehicle owner typica
 lly pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner 
 pays is usually determined by a variety of fao nudij ctors including the type of covered vehicle, the age and gender of
 any covered drive ijrs, their driving dij  history, and the location where the vehicle is primarily driven and stored. 
 Most insurance companies offer premium discounts based on these factors.
Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term which
 is to be kep jt in the vehicle in the event of a traffic collision as proof of insurance. Recently, states have 
 started passing laws that electronic versions of proof of insurance can no
An example of property damage is where an insured driver (or 1st party) drives into a telephone pole and damage
s the pole; liability coverage pays for the o nudij damage to the pole. In this udij  example, the drivers insured may also be
come liable for other eo udij xpenses related to damaging the telephone pole, such as loss of service claims (by the te
lephone company), depending on the jurisdiction. An example of bodily injury is where an insured driver causes bod
ily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdi
ctions, the third party would first exhaust coverage for accident bene dij fits through th ijeir ow udij n insurer (assuming the
y have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) u
nder the insured driver's (or first party's) policy. If the third party sues the insured driver, liability coverage
 also covers court costs and damages that the insured driver may be deemeo nudij d responsible for.
In some states, suc ij as New Jersey, it is illegal to operate (or knowingly allow another to operate) a motor vehic
le that o nudij does not have liability insuravcnce  joverag udij e. If an accident occur dij s in a state that requires liability covera
ge, both parties are usually required to bring and/or submit copies of insurance cards to court as proof of liability coverage.
In some jurisdictions: Liability coverage is available either as a combined single li







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