[Healeys] Motor vehicle insurance in US

Kent McLean kentmclean at comcast.net
Wed Apr 27 16:45:42 MDT 2011


John Rowe wrote:
> What insurance are drivers and car owners required to take out, if any?

It depends on the state. New Hampshire (in New England) for example, does not 
require *any* insurance. Massachusetts and Vermont, which abut NH, require it. 
If you cross the border from NH to MA, you could find yourself in a heap of 
trouble if you are stopped by a nice police officer.

This may help explain some of it:
<http://en.wikipedia.org/wiki/United_States_auto_insurance>

If you use American Express for charging the rental, they cover the insurance so 
you don't need to be screwed by the car rental company. It may be worth getting 
the card just to save the insurance fees.
<https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/feefreeservices/pages/carrentallossdamageinsurance_allccsg_shareddetails.do?vgnextoid=063a9501c3a0e010VgnVCM20000012b3ad94RCRD&vgnextchannel=3c830da9846dd010VgnVCM10000084b3ad94RCRD&name=carrentallossdamageinsurance_allccsg_shareddetails&type=intbenefitdetail>

And as someone else mentioned, double check your medical coverage/insurance. 
Even if you are not in a car accident, it could cost you big time. As my S.O. 
says about hospital emergency rooms, as soon as you step in the place, it's 
going to cost you $1,000USD, and that's if they don't find anything wrong with 
you. They'll run a battery of tests, not because you need them, but to cover 
themselves if you do get sick and decide to sue. (Welcome to the U.S.A. :) Need 
special treatment? Ka-Ching!

-- 
Kent McLean in NH
'56 100 BN2


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