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Car Forum / Driving, Maintenance, Tuning / General Car Topics / April 2006

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Extra 3rd-party cover

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paieye - 12 Apr 2006 12:28 GMT
In the United States, it is obligatory to hold SOME 3rd-party
motor-insurance to be able legally to drive a vehicle on a public road,
but it is apparently not obligatory to hold UNLIMITED insurance.

This leaves the motorist, if he does nothing about it, with a
frightening uninsured risk. If there is an accident causing personal
injury, and he is found liable, he may face a bill running into several
million dollars.

In Britain and I think most of the European countries it is obligatory
to have unlimited 3rd-party cover in this respect.

If I visit the United States, and hire a self-drive car, will it be
possible for me to obtain extra cover ?

How do ordinary American drivers cope with the risk ?

I have made enquiries here in England, and no-one -- including Lloyds
-- can suggest anything other than to try perhaps via a credit-card to
obtain an extra $1 million-worth of cover.

I am a lawyer, and my experience of personal-injury awards in the
United States tells me that any cover under $10 million would be
utterly insufficient, and I myself should not be prepared to drive on a
public road there without a great deal more insurance than that.

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paieye

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paieye - 12 Apr 2006 17:53 GMT
In the case that drew my attention to this difficulty, the injuries were
of only medium severity, the damages were $800,000, and the car-hire
firm's standard 3rd-party cover was $100,000.

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paieye

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Knifeblade_03 - 13 Apr 2006 04:34 GMT
pai, it would be easy to get unlimited coverage, as you describe, for
any rental vehicle, but it will be a hefty cost.

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Knifeblade_03

http://www.automotiveforums.com

 
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