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Resources Health Blues Alabama Health Alaska Health Alberta Health Arizona Health Arkansas Health British Columbia Health California Health Health for Insurance Health Canada Health Canada Colorado Health Connecticut Health Delaware Health District of Columbia Health Heath Health Florida Health Georgia Health Hawaii Health Home Health Idaho Health Illinois Health Indiana Health Iowa Health Kansas Health Kentucky Health Louisiana Blues Traveler Maine Health Manitoba Health Maryland Health Massachusetts Health Michigan Health Minnesota Health Mississippi Health Missouri Health Montana Health Nebraska Health Nevada Health New Brunswick Health New Hampshire Health New Jersey Health New Mexico Health New York Health Newfoundland and Labrador Health North Carolina Health North Dakota Health Northwest Territories Health Nova Scotia Blues and Blues Boogie Nunavut Insurance Ohio Health Oklahoma Health Ontario Health Oregon Health Pennsylvania Health Plan Health Prince Edward Island Blues Boogie Puerto Rico Health Quebec Insurance Rhode Island Health Saskatchewan Health South Carolina Health South Dakota Health Tennessee Health Texas Health USA Health USA Health Utah Health Vermont Health Virgin Islands Health Virginia Health Washington Health West Virginia Health Wisconsin Health It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan. In the United States, car insurance is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance. Penalties for not purchasing car insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. 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. The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry minimum levels of car insurance coverage in order to ensure that its drivers can cover the cost of damages to people or property in the event of an car accident. In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles provided, 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 extends when you rent a car. Comprehensive policies 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. Yukon Health |