Welcome to Best Car Insurance Offers

We are glad to welcome you here, at Best Car Insurance Offers. Our goal is to guide you through many car insurance possibilities available, so you could make the right decision. Here you will find all the information you need regarding car insurance conditions and quotes, to make the right choice. Thank you for taking your time reading our quick overview. Best regards,

Best Car Insurance Offers administration.

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A bit of history.

The modern car insurance system dates back one hundred years to the introduction of the motor vehicle itself..

Policymakers considered that operating a motor vehicle on public property was a privilege. It was proper to require that motorists purchase auto insurance coverage to protect innocent third parties against injury and property damage. Of course, such insurance also protects the at-fault motorist against potentially enormous liability. The first compulsory insurance law went into effect in Massachusetts in 1927. Since then, most states have adopted a requirement that motorists carry insurance coverage, although the specifics of that obligation vary widely from state to state. In promoting an auto accident compensation system based on personal responsibility, policymakers were simply extending traditional American legal principles, embodied in the tort system, to a new technology: the automobile.

Under the personal responsibility system, the motorist who caused the accident is liable for any injuries or property damage that ensues, and accident victims seek compensation for their property and bodily injury losses from the person "at fault" (or his insurance company). Only the innocent victim is paid compensation. The motorist who caused the accident is not entitled to any benefits if he is hurt, unless he had purchased his own "automobile medical payment" coverage or is covered by a health insurance policy. The traditional personal responsibility system imposes no arbitrary limits on the victim's right to seek compensation for the losses sustained; the kind and amount of compensation is decided by arbitrators, courts, or the parties themselves.

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European Union and United Kingdom Laws regarding motor insurance

In 1930 the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance. Today UK law is defined by the The Road Traffic Act which was last modified in 1991.

The Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places. This is called Third Party Insurance. It is an offence to drive your car, or allow others to drive it, without at least Third Party insurance whilst on the public highway, on private land no such legislation applies.

The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The Law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.

Insurance is more expensive in Northern Ireland than in other parts of the UK.

Motorists in the UK are required to display a Vehicle excise duty disc in their car when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because you are required to produce an insurance certificate when you purchase the disc. However it is a known practice for some people to purchase insurance to gain the certificate and then to cancel the insurance and gain a full refund within the statutory 14 day cooling off period.

The Motor Insurers Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.

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Auto Insurance in the United States

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured's vehicle, 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 they must be added on 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.

Generally, liability coverage does extend 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 may not 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.