Car Insurance Around The World | Sale & Purchase Auto Parts Online

For the most part, details pertaining car insurance in America may be straightforward and common knowledge. But has does car insurance different in other countries around the world? Is there a difference or even a law regarding protection for your vehicle?

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Every State, Every Country, Every Jurisdiction Is Different

It may be hard to believe, but having car insurance is not mandatory in every country. Just like insurance rules and regulations can different from state to state, the same can be said about different countries. What does this mean, exactly? In some countries (specifically noted, countries in the developing world), you will find drivers on the road without insurance. The kicker: this procedure is completely legal.

Areas noted for having the strictest rules or policies are, of course, the United States, Canada, and Australia. However, as mentioned above, different jurisdictions within each of these areas may and often do possess their own rules. For instances, one state may offer you a discount or reward for a particular factor i.e. age, good grades (if applicable), a multiple coverage discount, etc., while other states may not.

Though it may be legal for citizens of some countries (again, countries in the developing world) to travel without the protection of insurance, some residents do take action to protect themselves. Unconventional? Yes. Entertaining? Absolutely.

It?s explained that local residents who don?t have vehicle insurance will often take their cars to church. Why? These drivers take their cars to church in order for the vehicle to get baptized. It?s believed that after a priest baptizes a car that God will protect said driver from accidents.

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Different Areas, Different Regulations

It?s interesting to specifically see how other countries add up in the great debacle that is car insurance. For instances, there is not a legal requirement for drivers to have protection in South Africa. Because of this rule, it?s stated that almost two thirds of drivers actually drive without insurance. As a counterbalance to could-be accidents, there is a fund instilled by the government, resulting in petrol and diesel sales going into a Road Accident Fund.

Russia recently, as in just the past couple of years, has made having car insurance mandatory. This decision was probably for the best, as Russia is noted as being a dangerous place to drive, with over thirty thousand people killed in 2008 due to related traffic accidents.

The United States even employs different rules that may not be considered common knowledge. For example, it?s stated that in certain states (Alaska, Arkansas, Iowa, Kansas, North Dakota, and South Dakota) learner permits are given at a younger age?fourteen. Also, car insurance is not mandatory in specific states, including Wisconsin, New Hampshire, and Virginia.

As stated before, different areas will offer different regulations and policies when it comes to having or needing car insurance. Therefore prices vary widely. For example California car insurance may cost less, than in other states. Depending on where you live, how much you drive, and how far you drive on a regular basis, an interesting question quickly arises: If you have the option to drive without protection, would you?

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This is a guest post by Samantha Priest, a freelance writer and an avid blogger who enjoys reading and driving in her free-time.

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Source: http://www.theautosalesonline.com/car-insurance-around-the-world/

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