В България НЯМА "гражданска отговорност"

[Ясен]

От: В България НЯМА "гражданска отговорност"

Въпрос на закони, правилници и съдебна система. Аз харесвам американската и то с всичките и познати кусури. Добре действа.

В САЩ застраховка Гражданската отговорност

е задължителна в повечето щати, макар че конкретните условия могат да варират в различните региони. Във Вирджиния например водачите са длъжни да заплатят на местните власти 500 долара годишна такса, ако решат да не заплащат за редовна полица. Наказанията за шофиране без застраховка се различават значително в различните щати, но обичайно включват сериозна глоба, временно или постоянно отнемане на книжката, а на някои места – дори лишаване от свобода. В някои щати, например Северна Каролина, властите изискват Гражданска отговорност да бъде сключена преди издаване на лиценза. Проджект мениджъра на Аризонска отдел по транспортни изследвания Джон Симънс дори предлага новаторска идея – регистрационни номера на автомобилите да включват името на застрахователя. Идеята е валидността на номерата да изтича при изтичане на срока на застраховката, и така властите ще могат лесно да засичат нередовните водачи.

от тук:
http://www.zastrahovamse.com/articles/42.html

[turtey]

От: В България НЯМА "гражданска отговорност"

Ясене, това е доста кофти превод дето си го пуснал. Има фрапиращи грешки.
Ето оригинала:

In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though different states enforce the requirement differently. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[10] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Several states, like California and New Jersey, have enacted "Personal Responsibility Acts" which put further pressure on all drivers to carry liability insurance by preventing uninsured drivers from recovering noneconomic damages (e.g. compensation for "pain and suffering") if they are injured in any way while operating a motor vehicle.

Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued.

Some states require that insurance be carried in the car at all times, while others do not enforce this law. For example, North Carolina does not specify that you must carry proof of insurance in the vehicle; however, NC does state that you must have that information to trade with another driver in the event of an accident. Whether a state specifies you must have proof of insurance in the car or not, it's always advisable to have the information on hand in case an officer should request it.

Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.[11]

[turtey]

От: В България НЯМА "гражданска отговорност"

И малко по-подробно ако на някой му се чете

Auto insurance in the United States
[edit] Coverage available

The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry liability insurance coverage to ensure that their drivers can cover the cost of damages to people or property in the event of an automobile accident. Some states, such as Wisconsin, have more flexible “proof of financial responsibility” requirements.[20]

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary, for example, when a family member comes of driving age that they be added to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Non-owners policies are also known as Named Operator Policies. The policies are useful for people whose drivers license has been suspended and they have to have insurance for their license to be reinstated.

Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. These benefits are restrictive in terms of the types of vehicles covered.[21]
[edit] Liability

Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction. Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge.

An example of Property Damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company), depending on the jurisdiction. An example of Bodily Injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdictions, the third party would first exhaust coverage for accident benefits through their own insurer (assuming they have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) under the insured driver's (or 1st Party's) policy.

In some jurisdictions: Liability coverage is available either as a combined single limit policy, or as a split limit policy:
[edit] Combined single limit

A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
[edit] Split limits

A split limit liability coverage policy splits the coverages into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.

Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.

The limits are often expressed separated by slashes in the following form: "bodily injury per person"/"bodily injury per accident"/"property damage". For one example, California requires minimum coverage as follows:[22]

* $15,000 for injury/death to one person.
* $30,000 for injury/death to more than one person.
* $5,000 for damage to property

This would be expressed as "$15,000/$30,000/$5,000"

For another example, in the state of Oklahoma, drivers must carry at least state minimum liability limits of $25,000/$50,000/$25,000.[citation needed] If an insured driver hits a car full of people and is found by the insurance company to be liable, the insurance company will pay $25,000 of one person's medical bills but will not exceed $50,000 for other people injured in the accident. The insurance company will not pay more than $25,000 for property damage in repairs to the vehicle that the insured one hit.

In the state of Indiana, the minimum liability limits are $25,000/$50,000/$10,000,[citation needed] so there is a greater property damage exposure for only carrying the minimum limits.
[edit] Full coverage

Full coverage is the name commonly referred to as Comprehensive and Collision.
[edit] Collision

Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable. Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until the insured's car is paid off. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the term used by rental car companies for collision coverage.
[edit] Comprehensive

Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.
[edit] Uninsured/underinsured Motorist coverage

Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important. In Colorado for example, it was estimated in 2007 that 24% of drivers did not carry the state minimum liability limits required by law. Unfortunately, this number goes up significantly during recessions. In some areas, it is estimated that 1 out of every 3 drivers don't carry insurance. Usually the limits match the liability limits. Some insurance companies do offer UM/UIM in an umbrella policy.

In the United States, the definition of an uninsured/underinsured motorist, and corresponding coverages, are set by state laws.
[edit] Loss of use

Loss of use coverage, also known as rental coverage, provides reimbursement for rental expenses associated with having an insured vehicle repaired due to a covered loss.
[edit] Loan/lease payoff

Loan/lease payoff coverage, also known as GAP coverage or GAP insurance,[23][24] was established in the early 1980s to provide protection to consumers based upon buying and market trends.

Due to the sharp decline in value immediately following purchase, there is generally a period in which the amount owed on the car loan exceeds the value of the vehicle, which is called "upside-down" or negative equity. Thus, if the vehicle is damaged beyond economical repair at this point, the owner will still owe potentially thousands of dollars on the loan. The escalating price of cars, longer-term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In many instances, this insurance will also pay the deductible on the primary insurance policy. These policies are often offered at auto dealerships as a comparatively low cost add-on to the car loan that provides coverage for the duration of the loan. GAP Insurance does not always pay off the full loan value however. These cases include but are not limited to: 1. Any unpaid delinquent payments due at the time of loss; 2. Payment deferrals or extensions (commonly called skips or skip a payment); 3. Refinancing of the vehicle loan after the policy was purchased; or 4. Late fees or other administrative fees assessed after loan commencement. Therefore, it is important for a policy holder to understand that they may still owe on the loan even though the GAP policy was purchased. Failure to understand this can result in the lender continuing their legal remedies to collect the balance and the potential of damaged credit.

Consumers should be aware that a few states, including New York, require lenders of leased cars to include GAP insurance within the cost of the lease itself. This means that the monthly price quoted by the dealer must include GAP insurance, whether it is delineated or not. Nevertheless, unscrupulous dealers sometimes prey on unsuspecting individuals by offering them GAP insurance at an additional price, on top of the monthly payment, without mentioning the State's requirements.

In addition, some vendors and insurance companies offer what is called "Total Loss Coverage." This is similar to ordinary GAP insurance but differs in that instead of paying off the negative equity on a vehicle that is a total loss, the policy provides a certain amount, usually up to $5000, toward the purchase or lease of a new vehicle. Thus, to some extent the distinction makes no difference, i.e., in either case the owner receives a certain sum of money. However, in choosing which type of policy to purchase, the owner should consider whether, in case of a total loss, it is more advantageous for him or her to have the policy pay off the negative equity or provide a down payment on a new vehicle.

For example, assuming a total loss of a vehicle valued at $15,000, but on which the owner owes $20,000, is the "gap" of $5000. If the owner has traditional GAP coverage, the "gap" will be wiped out and he or she may purchase or lease another vehicle or choose not to. If the owner has "Total Loss Coverage," he or she will have to personally cover the "gap" of $5000, and then receive $5000 toward the purchase or lease of a new vehicle, thereby either reducing monthly payments, in the case of financing or leasing, or the total purchase price in the case of outright purchasing. So the decision on which type of policy to purchase will, in most instances, be informed by whether the owner can pay off the negative equity in case of a total loss and/or whether he or she will definitively purchase a replacement vehicle.
[edit] Towing

Car towing coverage is also known as Roadside Assistance coverage. Traditionally, automobile insurance companies have agreed to only pay for the cost of a tow that is related to an accident that is covered under the automobile policy of insurance. This had left a gap in coverage for tows that are related to mechanical breakdowns, flat tires and gas outages. To fill that void, insurance companies started to offer the car towing coverage, which pays for non-accident related tows.
[edit] Personal Property

Personal items in a vehicle that are damaged due to an accident would not be a covered under the auto policy. Any type of property that is not attached to the vehicle should be claimed under a homeowners or renters policy. However, some insurance companies will cover unattached GPS devices intended for automobile use.
[edit] Buying Online

The Internet has significantly changed the process of buying auto insurance in the United States. Many consumers now opt to get quotes and even make purchases of auto insurance online. The main benefits to doing so are thought to be the ability to compare many different providers and policies at once to get the set of features that matches what you are looking for, and to get the lowest price. Under this model, consumers can get insurance from more traditional insurance providers (those with physical brick and mortar locations) as well as companies that only offer insurance online.[citation needed]

Consumers buying auto insurance online can get a quote, make a purchase, and print out cards and policy terms from their own computer in a relatively short amount of time, making it an increasingly popular option.[citation needed]
[edit] Behavior based insurance

The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed.[25] A US patent application combining this technology with a usage based insurance product to create a new type of behavior based auto insurance product is currently open for public comment on peer to patent.[26]

[Ясен]

От: В България НЯМА "гражданска отговорност"

Само е малко тенденциозен преводът. Смисълът е този - в повечето щати ГО е задължителна.

[Filthy@JvruceR]

От: В България НЯМА "гражданска отговорност"

Говорих за съдебна система, а не за ГО, но както и да е... И пак моят фокус е, че задължителните неща трябва да са... Уф хайде стига толкова от мен по тази тема

[Ясен]

От: В България НЯМА "гражданска отговорност"

Съдебна система, казваш - 50% от цветнокожите мъже са били в затвора. На мен не ми се вижда ефективна.

[turtey]

От: В България НЯМА "гражданска отговорност"

Само е малко тенденциозен преводът. Смисълът е този - в повечето щати ГО е задължителна.

Всъщност във всички е задължителна. Просто в някои и каското е задължително и е една полица.

ПП Преводът е много грешен, ма няма да доказвам, не сме на изпит по теория на превода.

[Filthy@JvruceR]

От: В България НЯМА "гражданска отговорност"

Съдебна система, казваш - 50% от цветнокожите мъже са били в затвора. На мен не ми се вижда ефективна.

Малко расистко ще прозвучи, ама приложи я тук и ще видиш 90% от нашите "цветнокожи" в "затвора" (под различните му форми от условна нататък)... Иначе не съм такъв - аз съм привърженик на това нещата да се поправят през социалната и образователната система, а не с репресии и наказания. Това, че някой е принуден да краде за да оцелява е малко по-различно от това да крадеш, защото така по-лесно се "става богат".

[SJ410]

От: В България НЯМА "гражданска отговорност"

Philipp - стискам ти лапа! Явно си мислил по подобни казуси.
За въпросите в началото - първо, извинете че се забавих толкова! Ситуацията накратко: точно както е по закон: аз съм пострадалият, попълнен двустранен констативен протокол, уведомен КАТ(който просто не можах да дочакам, иначе щяха те да пишат протокол, но чувам че и с протоколи от КАТ има откази от отговорност!!!) Колата е закарана след два дена на оглед, където м/у другото се отнесоха много добре и описаха всички щети! И ми е интересно, ако е имало някакви съмнения - защо не бяха изчистени там? Където е и колата и експертите и аз мога да разкажа! Ами защо - за да задам въпрос в евро-институциите Вярвам, че ще понесат много по-големи загуби от неплащането на моята щета, защото подобна подигравка е недопустима, да не говорим че те обезсилват закона и предизвикват въпроса за санкции с/у България за неспазване на евро-директивите ! Слава богу, не разчитам на подобни плащания, но тарикатите ме дразнят!

[Ясен]

От: В България НЯМА "гражданска отговорност"

Викнал си КАТ и не си ги дочакал? Интересен подход и донякъде закономерен резултат.

Плащането възниква въз основа на документи. Какви документи имаш ти, които доказват правото ти на обезщетение?

[SJ410]

От: В България НЯМА "гражданска отговорност"

макскскс, "христо брюнета" с 30 годишното жигули нема да има и ГО! а сега ти кажи какво правим! аз го видях лично "христо брюнета" на бул "Овча купел" - на една страна лежи КОН(безжизнено озъбен), на друга КАРУЦА на две сломена - ченгетата отцепили 2 ленти, "христо брюнета" ухилен до уши, а собственика на лимузината мрачен... що така? нали всички са с ГО?!?!?!

Истината е, че мутрагените продължават да мушкат парата в джоба от овце като нас!

[Ясен]

От: В България НЯМА "гражданска отговорност"

И така, какви документи имаме налични?

[SJ410]

тони, задал съм въпросът в евроинституциите - споко!

сори че се повтарям: "точно както е по закон: аз съм пострадалият, попълнен двустранен констативен протокол, уведомен КАТ,...Колата е закарана след два дена на оглед"

Ясен, нито са ми на заплатата нито на данъците, нито на образованието, нито на положението, че да ги чакам 40 минути. Спазил съм законът - това е важното. Предполагам разбираш.

[Ясен]

От: В България НЯМА "гражданска отговорност"

Разбирам, макар и да не съм от толкова висша каста, че да вържа тенекия на някого. Бил той и полицай.
Описването на щетите и установяването на вината са две отделни неща. Правят ги различни хора и в различни моменти.

С какъв аргумент ти отказват обезщетение?

[SJ410]

От: В България НЯМА "гражданска отговорност"

Чакай - кой се мисли че е висша каста - който чака 40 мин.(докато се стъмни) или който се мотка и не върши работата си(за която аз плащам!) А за тенекията не си прав - обадих се, питах можем ли да попълним протокол(този акъл ми го даде другият "водач" много по рано), и те казаха - да, значи отказвате повикването, попълнете протокол щом няма пострадали хора и щетите са леки.
Всъщност, крайно време е да осъзнаем, че който плаща поръчва музиката, а ние плащаме! Та прав си - висша каста съм и в този смисъл
Но големите тарикати в случая са застрахователите, които очевадно не са застрахователи, защото това не е застраховане Щом е така - балтията!