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Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a ...
Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage. Most states require a motor vehicle owner to carry some ...
Systematic motor-vehicle safety efforts began during the 1960s. In 1960, unintentional injuries caused 93,803 deaths; [5] 41% were associated with motor-vehicle crashes. In 1966, after Congress and the general public had become thoroughly horrified by five years of skyrocketing motor-vehicle-related fatality rates, the enactment of the Highway Safety Act created the National Highway Safety ...
Accident management is the centralised handling of a motorist’s claim following a road traffic collision or other damages or mishaps that happen to a vehicle while on or off road. It is a cost-effective intermediary service which assists drivers in getting back on the road quickly and in managing the claims process alone. [ 1 ]
Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government.
In the United States, an SR-22 (sometimes referred to as a certificate of insurance [a] or a financial responsibility filing) [1] [2] is a vehicle liability insurance document required by most state departments of motor vehicles (DMV) offices [b] for "high-risk" insurance policies. [3] An SR-22 is not an insurance policy, but a filing, or an ...
Inconsistency from state to state can complicate road-safety management for organizations that operate in multiple states. Many employers, recognizing the substantial economic and human toll of MVCs on their organizations and their workers, have implemented organizational policies for road safety that exceed the requirements of traffic laws.
In the US, in 2016, there were 18590 rural fatalities and 17656 urban fatalities. Thus 48% of deaths were in urban areas, and 52% in rural areas. Taking into account traveled miles, there was a risk of 1.96 fatalities per 100 million traveled miles on rural roads, and a risk of 0.79 fatalities per 100 million traveled miles on urban roads. [59]