1385:
speeds and performance levels, or vehicles that retail above a certain dollar amount. Vehicles that are commonly considered luxury automobiles usually carry more expensive physical damage premiums because they are more expensive to replace. Vehicles that can be classified as high performance autos will carry higher premiums generally because there is greater opportunity for risky driving behavior. Motorcycle insurance may carry lower property-damage premiums because the risk of damage to other vehicles is minimal, yet have higher liability or personal-injury premiums, because motorcycle riders face different physical risks while on the road. Risk classification on automobiles also takes into account the statistical analysis of reported theft, accidents, and mechanical malfunction on every given year, make, and model of auto.
1123:(generally referred to as the RTA 1988 as amended). Section 143 of that Act requires that motorists be insured against 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. The regulations were last revised via the THE MOTOR VEHICLES (COMPULSORY INSURANCE) REGULATIONS 2016 No. 1193, the amendment increased the minimum guaranteed property cover to £1,200,000 (US$ 1,643,836) per accident, personal injury cover remains unlimited. Failure to insure a vehicle can result in the vehicle being seized, the driver finned a minimum of £300 (US$ 411) and issued with
1092:
871:
1436:
done at least nine times, to keep the odometer reading within the narrow 2,000-mile covered range. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel. Odometer tampering, detected during claim processing, voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail.
135:
1650:
replacement rental car is provided. When repairing the vehicle the car body repair shop is obliged to follow the instructions regarding the choice of original equipment manufacturer (OEM), original equipment supplier parts (OES), Matching
Quality spare parts (MQ) and generic replacement parts. Both DRPs and non OEM parts help to keep costs down and keep insurance prices competitive. AIRC (International Car body repair Association) General Secretary Karel Bukholczer made clear that DRP's have had big impact on car body repair shops.
780:
1324:
discrimination based on profession to still use gender as a factor, albeit indirectly. Professions which are more typically practised by men are deemed as being more risky even if they had not been prior to the Court's ruling while the converse is applied to professions predominant among women. Another effect of the ruling has been that, while the premiums for men have been lowered, they have been raised for women. This equalisation effect has also been seen in other types of insurance for individuals, such as
1359:
practices, such as debit for a poor driving history, are not dictated by law. Many insurers allow one moving violation every three to five years before increasing premiums. Crashes affect insurance premiums similarly. Depending on the severity of the crash and the number of points assessed, rates can increase by as much as twenty to thirty percent. Any motoring convictions should be disclosed to insurers, as the driver is assessed by risk from prior experiences while driving on the road.
740:(full frame coverage). Limited frame and full frame coverage will provide more coverage against certain additional risks which are not covered by the mandatory legal third-party coverage. For example limited frame coverage will provide coverage against damage caused by the weather such as storm and flooding. Also fire damage and theft of the car is covered. Full frame coverage will provide coverage against all risks mentioned plus damage to the car caused by the driver himself.
1567:
38:
1498:) port (all petrol automobiles in the USA built after 1996 have an OBD-II.) and transmits speed, time of day and number of miles the car is driven. Cars that are driven less often, in less-risky ways, and at less-risky times of day, can receive large discounts. Progressive has received patents on its methods and systems of implementing usage-based insurance and has licensed these methods and systems to other companies.
466:
Additional 3rd Party
Liability Insurance also known as Commercial Motor Insurance provides extra cover up to RMB10,000,000 (US$ 1,550,388) excluding the driver and passengers. Driver and Passenger insurance covers the driver and passengers, whilst Vehicle Damage and Theft Insurance covers vehicle damage and the objects contained inside. Excess Waiver Insurance is an additional option that waives any deductibles.
3277:
303:, each vehicle must be insured before it can be registered. It is often called a 'greenslip', because of its colour. There are five licensed CTP insurers in New South Wales. Suncorp holds licences for GIO and AAMI and Allianz holds one licence. The remaining two licences are held by QBE and NRMA Insurance (NRMA). APIA and Shannons and InsureMyRide insurance also supply CTP insurance licensed by GIO.
433:
licence. International laws provide visitors to the country with an
International Insurance Bond (IIB) until this three-month period is over in which the international driver must provide themselves with Canadian Insurance. The IIB is reinstated every time the international driver enters the country. Damage to the driver's own vehicle is optional – one notable exception to this is in
1019:, the vehicle owner must provide the minimum liability insurance for his/her vehicle(s) – of any kind. Otherwise, the vehicle is illegal to use. If a person drives a vehicle belonging to someone else and has a crash, the insurance will cover for damage done. Note that the policy carrier can choose to limit the coverage to only apply for family members or persons over a certain age.
557:
1224:, is a fixed contribution that must be paid each time a car is repaired with the charges billed to an automotive insurance policy. Normally this payment is made directly to the crash repair "garage" (the term "garage" refers to an establishment where vehicles are serviced and repaired) when the owner collects the car. If one's car is declared to be a "
1149:). 48 U.S. states and the District of Columbia require drivers to have insurance coverage for both bodily injury and property damage, with New Hampshire and Virginia being the exception, but the minimum amount of coverage required by law varies by state. For example, minimum bodily injury liability coverage requirements range from $ 30,000 in
1067:, the traffic department requires a 13-month insurance certificate each time a person registers or renews a vehicle registration. In Dubai, vehicle insurance is compulsory as per the UAE RTA law. There are two types of motor insurance policies in Dubai, Third-Party Liability Insurance and Comprehensive Motor Insurance.
572:
damage. Insurance companies usually offer all-in/combined single limit insurance policies of €50,000,000 or €100,000,000 (about €141,000,000) for bodily injury, property damage and other financial/fortune loss (usually with a bodily injury coverage limitation of €8–15,000,000 for each bodily injured person).
424:(with some exceptions, such as government vehicles) with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for
890:
increases with the rise in the price of the vehicle. The claims of the auto insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming auto insurance, like duly signed claim form, Registration
Certificate copy of the vehicle, driving license copy,
1513:
Insurance companies have started using credit ratings of their policyholders to determine risk. Drivers with good credit scores get lower insurance premiums, as it is believed that they are more financially stable, more responsible and have the financial means to better maintain their vehicles. Those
1345:
device to monitor their driving style. In the US many insurers offer a good-grade discount to students with a good academic record and resident-student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Some insurance companies offer "stand
889:
Auto insurance is a compulsory requirement for all new vehicles used whether for commercial or personal use. Insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Premiums are determined by a number of factors and the amount of premium
657:
Driving without the necessary insurance for that vehicle is an offence that can be prosecuted by the police and fines range from 841 to 3,287 euros. Police forces also have the power to seize a vehicle that does not have the necessary insurance in place, until the owner of the vehicle pays a fine and
1402:
Another important factor in determining car insurance premiums involves the annual mileage put on the vehicle, and for what reason. Driving to and from work every day at a specified distance, especially in urban areas where common traffic routes are known, presents different risks than how a retiree
1384:
Two of the most important factors that go into determining the underwriting risk on motorized vehicles are: performance capability and retail cost. The most commonly available providers of auto insurance have underwriting restrictions against vehicles that are either designed to be capable of higher
901:
Private car insurance – the fastest growing sector in India as it is compulsory for all new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture. This amount can be reduced by asking the insurer for a no claim bonus (NCB)
295:
Third-Party
Property insurance or Comprehensive insurance covers the third party with the repairing cost of the vehicle, any property damage or medication expenses as a result of a crash by the insured. They are not to be confused with Compulsory Third-Party insurance, which is for injuries or death
1637:
Providers can also offer sub-divisions of auto repair insurance. There is standard repair insurance which covers the wear and tear of vehicles, and naturally occurring breakdowns. Some companies will only offer mechanical breakdown insurance, which only covers repairs necessary when breakable parts
1493:
launched
Snapshot to give drivers a customized insurance rate based on recording how, how much, and when their car is driven. Snapshot is currently available in 46 states plus the District of Columbia. Because insurance is regulated at the state level, Snapshot is currently not available in Alaska,
1440:
Under the cents-per-mile system, rewards for driving less are delivered automatically, without the need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income
601:
The Road
Traffic Act, 1933 requires all drivers of mechanically propelled vehicles in public places to have at least third-party insurance, or to have obtained exemption – generally by depositing a (large) sum of money to the High Court as a guarantee against claims. In 1933, this figure was set at
477:
According to section 4(1) of the Motor
Vehicles Insurance (Third-Party Risks) Ordinance (Cap. 272 of the Laws of Hong Kong), all users of a car, include its permitted users, must have insurance or some other security with respect to third-party risks. Third party insurance protects the policyholder
1435:
As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, to steal 20,000 miles of continuous protection while paying for only the 2000 in the 35000 to 37000 range on the odometer, the resetting would have to be
1423:
limit (recorded on the car's insurance ID card) is reached, unless more distance is bought. Customers keep track of miles on their own odometer to know when to buy more. The company does no after-the-fact billing of the customer, and the customer does not have to estimate a "future annual mileage"
1349:
Senior drivers are often eligible for retirement discounts, reflecting the lower average miles driven by this age group. However, rates may increase for senior drivers after age 65, due to increased risk associated with much older drivers. Typically, the increased risk for drivers over 65 years of
1275:
Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company, in accordance with a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on
909:
Commercial vehicle insurance – provides cover for all the vehicles which are not used for personal purposes like trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the
571:
The minimum coverage defined by German law for car liability insurance / third-party personal insurance is €7,500,000 for bodily injury (damage to people), €500,000 for property damage and €50,000 for financial/fortune loss which is in no direct or indirect coherence with bodily injury or property
432:
available to crash victims. The difference from province to province is the extent to which tort or no-fault is emphasized. International drivers entering Canada are permitted to drive any vehicle their licence allows for the three-month period for which they are allowed to use their international
238:
Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which utilizes either a tracking device in the vehicle or vehicle diagnostics. This could address issues of uninsured motorists by providing additional options and also charge based on the distance driven, which could
209:
in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world. This meant that injured victims would rarely get any compensation in a crash, and drivers often faced considerable costs for damage to their car and
1630:
Some drivers opt to buy the insurance as a means of protection against costly breakdowns unrelated to a crash. In contrast to more standard and basic coverages such as comprehensive and collision insurance, auto repair insurance does not cover a vehicle when it is damaged in a collision, during a
1504:
also uses an OBDII-based system for their mileage-based insurance. They offer a true pay-per-mile insurance where behavior or driving style is not taken into account, and the user only pays a base rate along with a fixed rate per mile. The OBD-II device measures mileage and then transmits mileage
1393:
Some car insurance plans do not differentiate in regard to how much the car is used. There are however low-mileage discounts offered by some insurance providers. Other methods of differentiation would include over-road distance between the ordinary residence of a subject and their ordinary, daily
592:
1,250m (about €4.5m) in case of personal injuries. Vehicle insurance policies from all EU countries and some non-EU countries are valid in
Hungary based on bilateral or multilateral agreements. Visitors with vehicle insurance not covered by such agreements are required to buy a monthly, renewable
291:
CTP insurance is compulsory in every state in
Australia and is paid as part of vehicle registration. It covers the vehicle owner and any person who drives the vehicle against claims for liability for death or injury to people caused by the fault of the vehicle owner or driver. CTP may include any
669:
policy) which include also damages of the vehicle causing the crash or the injuries. It is also common to include a renounce clause of the insurance company to compensate the damages against the insured person in some cases (usually in case of DUI or other infringement of the law by the driver).
1256:
To reduce the insurance premium, the insured party may offer to pay a higher excess (deductible) than the compulsory excess demanded by the insurance company. The voluntary excess is the extra amount, over and above the compulsory excess, that is agreed to be paid in the event of a claim on the
1247:
A compulsory excess is the minimum excess payment the insurer will accept on the insurance policy. Minimum excesses vary according to the personal details, driving record and the insurance company. For example, young or inexperienced drivers and types of incident can incur additional compulsory
1358:
In most U.S. states, moving violations, including running red lights and speeding, assess points on a driver's driving record. Since more points indicate an increased risk of future violations, insurance companies periodically review drivers' records, and may raise premiums accordingly. Rating
947:
Third party insurance cover is mandatory under the Motor Vehicles Act, 1988. This cover cannot be used for personal damages. This is offered at low premiums and allows for third party claims under "no-fault liability". The premium is calculated through the rates provided by the Tariff Advisory
757:
Police forces have the power to seize vehicles that do not have the necessary insurance in place, until the owner of the vehicle pays the fine and signs a new insurance policy. Driving without the necessary insurance for that vehicle is an offence that will be prosecuted by the police and will
568:. In addition, every vehicle owner is free to take out a comprehensive insurance policy. All types of car insurance are provided by several private insurers. The amount of insurance contribution is determined by several criteria, like the region, the type of car or the personal way of driving.
1649:
In several countries insurance companies offer direct repair programs (DRP) so that their customers have easy access to a recommended car body repair shop. Some also offer one-stop shopping where a damaged car can get dropped off and an adjuster handles the claim, the car is fixed and often a
1323:
decided insurance companies who used gender as a risk factor when calculating insurance premiums were breaching EU equality laws. The Court ruled that car-insurance companies were discriminating against men. However, in some places, such as the UK, companies have used the standard practice of
506:
The mandatory minimum legal requirement Third Party Liability ("TPL") Cover is MOP1,500,000 per crash and MOP30,000,000 per year, protecting against the legal liability arising from a traffic crash causing loss and damages to any third party.. Comprehensive Motor Insurance is also available.
465:
Traffic Compulsory Insurance provides protection in the event of third party injuries, third party property losses, etc. The minimum liability cover is RMB180,000 (US$ 27,907) for death and injury/per crash, RMB18,000 (US$ 2,791) for medical expense, and RMB2,000 (US$ 310) for physical loss.
1457:-based device that tracked their driving behavior and reported the results via cellular phone to the company. The program was discontinued in 2000. In following years many policies (including Progressive) have been trialed and successfully introduced worldwide into what are referred to as
1375:
The profession of the driver may be used as a factor to determine premiums. Certain professions may be deemed more likely to result in damages if they regularly involve more travel or the carrying of expensive equipment or stock or if they are predominant either among women or among men.
1315:
Because male drivers, especially younger ones, are on average often regarded as tending to drive more aggressively, the premiums charged for policies on vehicles whose primary driver is male are often higher. This discrimination may be dropped if the driver is past a certain age.
456:
Facility insurance policies are offered by the "facility association residual market" (or "FARM"), as a last resort since auto insurance is mandatory in Canada, for private and commercial high-risk drivers who cannot buy a policy in the voluntary market (regular auto insurance).
292:
kind of physical harm, bodily injuries and may cover the cost of all reasonable medical treatment for injuries received in the crash, loss of wages, cost of care services and, in some cases, compensation for pain and suffering. Each state in Australia has a different scheme.
2151:"Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability (Text with EEA relevance)"
1419:. After the company's risk factors have been applied, and the customer has accepted the per-mile rate offered, then customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline (litres of petrol). Insurance automatically ends when the
1007:(ACC) provides nationwide no-fault personal injury insurance. Injuries involving motor vehicles operating on public roads are covered by the Motor Vehicle Account, for which premiums are collected through levies on petrol and through vehicle licensing fees.
638:). Historically, a part of the certificate of insurance must be displayed on the windscreen of the vehicle. This latter requirement was revoked in 2015, when a national database of insured vehicles was built by the Insurance Company Association (ANIA,
363:, the limit of liability has been fixed by the law. Currently, the limits are too low to compensate the victims. In respect of Act Only Liability Motor Vehicle Insurance, the compensation for personal injuries and property damage to third parties is
1346:
alone" car insurance policies specifically for teenagers with lower premiums. By placing restrictions on teenagers' driving (forbidding driving after dark, or giving rides to other teens, for example), these companies effectively reduce their risk.
990:
This policy provides the widest coverage, i.e. the third party's physical injury and death, third party's vehicle damage and your own vehicle's damage caused by fire, theft or a crash. This type of insurance is usually designed for luxury vehicles.
964:
This is the minimum cover corresponding to the terms of the Road Transport Act 1987. The insurance concerns the legal liability for death or physical injury to the third party (not include the passengers), so it is hardly ever written by insurers.
905:
Two wheeler insurance – covers accidental insurance for the driver of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the beginning of a policy
2891:
221:. This ensured that all vehicle owners and drivers had to be insured for their liability for injury or death to third parties while their vehicle was being used on a public road. Ireland replicated the obligation via the Road Traffic Act, 1933.
623:
Those injured or suffering property damage/loss due to uninsured drivers can claim against the Motor Insurance Bureau of Ireland's uninsured drivers fund, as can those injured (but not those suffering damage or loss) from hit and run offences.
1441:
automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today's windfalls to insurers, when decreased driving activity lowers costs but not premiums.
419:
system while in the rest of the country insurance is provided privately. The third-party insurance is privatized in Quebec and is mandatory. The province covers everything but the vehicle(s). Basic auto insurance is mandatory throughout
1505:
data to servers. This is supposed to be an affordable car insurance policy for low-mileage drivers. Metromile is currently only offering personal car insurance policies and is available in California, Oregon, Washington, and Illinois.
234:
In many jurisdictions, it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver; however, the degree of each varies greatly.
1469:
systems have become more mainstream in the auto insurance market not just aimed at specialised auto-fleet markets or high value vehicles (with an emphasis on stolen vehicle recovery). Modern GPS-based systems are branded as 'PAYD'
616:) on their vehicles' windscreen (if fitted). The certificate in full must be presented to a police station within ten days if requested by an officer. Proof of having insurance or an exemption must also be provided to pay for the
1514:
with lower credit scores can have their premiums raised or insurance canceled outright. It has been shown that good drivers with spotty credit records could be charged higher premiums than bad drivers with good credit records.
328:. The government has now licensed four private insurers – AAMI, Allianz, QBE and SGIC – to offer CTP insurance SA. Since July 2019, vehicle owners can choose their own CTP insurer and new insurers may also enter the market.
1431:. Although the newer electronic odometers are difficult to roll back, they can still be defeated by disconnecting the odometer wires and reconnecting them later. However, as the Cents Per Mile Now website points out:
1039:
Motor vehicle liability insurance is mandatory for all owners in Russian legislation. Insurance of the vehicle itself is technically voluntary, but may be mandated in some circumstances, e.g. if the car is leased.
1336:
Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognized courses, such as the
225:
enacted similar legislation in 1939 called the "Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners". The EU required mandatory insurance cover be mandated by all member states, from 2009.
1424:
figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current, by comparing the figure on the insurance card to that on the odometer.
1235:
If the crash was the other driver's fault, and this fault is accepted by the third party's insurer, then the vehicle owner may be able to reclaim the excess payment from the other person's insurance company.
525:, from the introduction of Directive 2009/103/EC, insurance cover is mandatory, with the statutory minimum cover being revised every five years, the most recent revision, via Directive (EU) 2021/2118 (the
2886:
973:
This type is compulsory to buy for every vehicle so it is the most basic and common car insurance, which insures you against claims for the injury or damage to the third party or its property in a crash.
1403:
who does not work any longer may use their vehicle. Common practice has been that this information was provided solely by the insured person, but some insurance providers have started to collect regular
3052:
Handel, Peter; Skog, Isaac; Wahlstrom, Johan; Bonawiede, Farid; Welch, Richard; Ohlsson, Jens; Ohlsson, Martin (2014). "Insurance Telematics: Opportunities and Challenges with the Smartphone Solution".
537:
in the case of personal injury, a minimum amount of cover of €1,300,000 (US$ 1,537,510) per injured party or €6,450,000 (US$ 7,628,415) per claim, irrespective of the number of parties;
344:
761:
The minimum insurance policy covers only third parties (including the insured person and third parties carried with the vehicle, but not the driver, if the two do not coincide).
3163:
2400:
1201:
Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or crash damage independently.
661:
Minimal insurance policies cover only third parties (including the insured person and third parties carried with the vehicle, but not the driver, if the two do not coincide).
1367:
Statistics show that married drivers average fewer crashes than the rest of the population so policy owners who are married often receive lower premiums than single persons.
1212:
may cover the difference. Not all auto insurance policies include GAP insurance. GAP insurance is often offered by the finance company at time the vehicle is purchased.
1494:
California, Hawaii, and North Carolina. Driving data is transmitted to the company using an on-board telematic device. The device connects to a car's OnBoard Diagnostic (
1119:, introduced a law that required every person who used a vehicle on the road to have at least third-party personal injury insurance. Today, this law is contained in the
1074:. This insurance policy is the most basic form of vehicle insurance Dubai as it covers the third-party property damage or bodily injuries caused by the insured vehicle.
821:
325:
1188:
In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto crash (No Fault Auto Insurance)
1798:
948:
Committee. This is a branch of the IRDA (Insurance Regulatory and Development Authority of India). It covers bodily injury/accidental death and property damage.
1462:
317:, CTP is included in the registration fee for a vehicle. There is a choice of private insurer – Allianz, QBE and Suncorp and price is government controlled.
815:). Therefore, a motorist cannot drive the vehicle until it is insured. DPWKLLJ was introduced in 1964 and merely covers body injuries, and is operated by a
768:
Victims of accidents caused by non-insured vehicles may be compensated by a Warranty Fund, which is covered by a fixed amount for each insurance premium.
799:
and each individual car and motorcycle must be insured or the vehicle will not be considered legal; this compulsory auto insurance is legally called the
606:
15,000. The Road Traffic Act, 1961 (which is currently in force) repealed the 1933 act but replaced these sections with functionally identical sections.
1980:
Motor vehicles operated by the government that are subject to a government self-indemnification plan are exempt from the requirements of subsection (1).
2524:
2320:
4088:
2294:
2755:
612:
Those not exempted from obtaining insurance must obtain a certificate of insurance from their insurance provider, and display a portion of this (an
613:
351:, through the Insurance Commission of Western Australia (ICWA). The Northern Territory scheme is managed through Territory Insurance Office (TIO).
1077:
Policyholder's own vehicle damage such as fire, theft, and accidental collision is not covered under the third-party liability insurance policy.
4103:
3368:
2852:
1577:
878:
Auto insurance in India covers the loss of or damage caused to the automobile or its parts due to natural and man-made calamities. It provides
2868:
2373:
1482:
which utilise smartphones as a GPS sensor. A detailed survey of the smartphone as measurement probe for insurance telematics is provided in
1627:
available in all 50 of the United States that covers the natural wear and tear on a vehicle, independent of damages related to a car crash.
453:, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.
3348:
2628:
1705:
4098:
1757:
956:
In Malaysia, renewing car insurances is a very common thing. In general, there are four types of car insurance available for Malaysians:
632:
The law 990/1969 requires that each motor vehicle or trailer standing or moving on a public road have third-party insurance (called RCA,
2827:
654:) to verify (by private citizens and public authorities) if a vehicle is insured. There is no exemption policy to this law disposition.
3474:
3167:
1465:
technology, such devices derive from a stolen vehicle and fleet tracking but are used for insurance purposes. Since 2010 GPS-based and
173:, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from
3247:
3204:
2102:
1773:
1700:
609:
From 1968, those making deposits require the consent of the Minister for Transport to do so, with the sum specified by the Minister.
1283:, based on statistical data. The premium can vary depending on many factors that are believed to affect the expected cost of future
1823:
2550:
564:
Since 1939, it has been compulsory to have third-party personal insurance before keeping a motor vehicle in all federal states of
3225:
3104:
2602:
2257:
1888:
1836:
1124:
1086:
498:
257,400.26) as a result of crash arising out of the use of the insured vehicle. Comprehensive Motor Insurance is also available.
102:
4108:
2663:
2576:
1136:
2233:
1232:"), then the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to the owner.
74:
4093:
2935:
2045:
1690:
2438:"Persepsi Masyarakat Terhadap Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan Dan Kebijakan Perlindungan Kecelakaan Jalan"
918:
Loss or damage by crash, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act
3363:
2173:
1307:
The address of the owner can affect the premiums. Areas with high crime rates generally lead to higher costs of insurance.
982:
In addition to third-party coverage, this policy also provides insurance for your own vehicle due to fire, crash or theft.
816:
617:
3309:
2062:
181:
that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against
81:
3504:
1479:
55:
2906:
3433:
1607:
1208:
and the vehicle's market value is less than the amount that is still owed to the bank that is financing the vehicle,
1004:
438:
193:, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal
121:
2124:
3499:
1116:
771:
Since 2013 it is possible to contract an insurance by days as is possible in countries such as Germany and the UK.
282:
insurance covers the insured vehicle against fire and theft as well as damage to third-party property and vehicles.
88:
1342:
4078:
3469:
3459:
865:
339:
provides CTP through a levy in the vehicle registration fee, known as the TAC charge. A similar scheme exists in
2730:
4083:
3281:
673:
The victims of crashes caused by non-insured vehicles could be compensated by the Road's Victim Warranty Fund (
185:
of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as
59:
17:
1534:
product to create a new type of behavior based auto insurance product is currently open for public comment on
70:
1523:
1270:
700:
336:
2684:
1913:
4241:
3489:
3390:
2528:
1840:
658:
signs a new insurance policy. The same provision is applied when the vehicle is standing on a public road.
307:
1938:
4306:
4058:
3755:
3701:
3540:
3375:
3189:
1490:
886:. There are certain general insurance companies who also offer online insurance service for the vehicle.
516:
2780:
1299:, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).
4301:
3706:
3570:
3464:
705:
2321:"Taking out compulsory third-party liability insurance for a motor vehicle - Vehicles - Government.nl"
1530:
and other risky behaviors has been proposed. A US patent application combining this technology with a
1279:
When the premium is not mandated by the government, it is usually derived from the calculations of an
1161:, while minimum property damage liability requirements range from $ 5,000 to $ 25,000 in most states.
3785:
3674:
3484:
3385:
1454:
1320:
425:
270:
insurance covers damages to third-party vehicles, other third-party property and the insured vehicle.
3007:"Smartphone-Based Measurement Systems for Road Vehicle Traffic Monitoring and Usage-Based Insurance"
1839:. New South Wales Government, State Insurance Regulatory Authority. 28 November 2018. Archived from
1145:
and other territories, with each U.S. state having its own mandatory minimum coverage requirements (
722:
which means legal liability. In general there are three types of auto insurance in the Netherlands:
310:
through AAMI, APIA, GIO and NRMA. Vehicle owners pay for CTP as part of their vehicle registration.
4158:
3910:
3815:
3780:
3760:
3428:
3380:
2436:
Sitorus, Budi; Sitorus, Antoni S.; Harsono, Tulus Irpan; Sitorus, Christina Natalia (8 June 2022).
1963:
891:
1730:
4279:
3961:
3750:
3618:
3565:
3423:
3413:
3302:
2705:
1685:
1450:
446:
48:
1453:
company started a pilot program in Texas, in which drivers received a discount for installing a
1031:, a motor-vehicle liability insurance for all vehicle owners to cover damages to third parties.
758:
receive a penalty. The same provision is applied when the vehicle is standing on a public road.
4053:
3686:
3514:
2685:"EXPLANATORY MEMORANDUM TO THE MOTOR VEHICLES (COMPULSORY INSURANCE) REGULATIONS 2016 No. 1193"
2275:
1659:
1589:
1091:
95:
3141:
2925:
1634:
For many it is an attractive option for protection after the warranties on their cars expire.
1070:
It is mandatory to have third-party liability insurance for every individual vehicle owner in
924:
On payment of appropriate additional premium, loss/damage to electrical/electronic accessories
4068:
3954:
3883:
3738:
3623:
3585:
2502:
2098:
1799:"Amendments to the Motor Insurance Directive come into force across the EU - the Key changes"
1541:
1531:
1416:
1120:
1112:
416:
218:
3123:
2477:
4177:
4120:
3743:
3723:
3550:
3438:
3358:
3018:
1585:
1064:
1028:
332:
3201:
3006:
2125:"Section 4: Obligation on users of motor vehicles to be insured against third party risks"
2090:
1824:
Analysis of national pay-as-you-drive insurance systems and other variable driving charges
932:
Consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage
276:
insurance covers damage to third-party property and vehicles, but not the insured vehicle.
134:
8:
4236:
4231:
4226:
4211:
4073:
4033:
3795:
3765:
3633:
3494:
3418:
3408:
1466:
1458:
921:
Liability for third-party injury/death, third-party property and liability to paid driver
870:
837:
804:
182:
3691:
3022:
2805:
2653:
239:
theoretically increase the efficiency of the insurance, through streamlined collection.
4311:
4272:
4184:
4063:
3988:
3805:
3770:
3681:
3638:
3608:
3580:
3575:
3545:
3519:
3343:
3295:
3070:
3034:
2658:
1052:
429:
391:(US$ 425) for property damage. The limits are under review by the governmental bodies.
2606:
2254:
748:
Each motor vehicle on a public road is required to have third party insurance (called
255:(CTP) insurance scheme. CTP covers only personal injury liability in a vehicle crash.
4133:
4003:
3895:
3859:
3849:
3810:
3800:
3728:
3718:
2931:
2459:
2169:
1680:
1475:
1350:
age is associated with slower reflexes, reaction times, and being more injury-prone.
1104:
681:), which is covered by a fixed amount (2.5%, as 2015) of each RCA insurance premium.
348:
174:
3142:"Need Credit or Insurance? Your credit scores helps determine how much you will pay"
3038:
2580:
2346:
2018:
1261:
carried by the insurer, the insurer is able to offer a significantly lower premium.
138:
A Japanese vehicle insurance policy issued by the Mitsui Sumitomo Insurance company.
4246:
4201:
4146:
4138:
4128:
3905:
3829:
3669:
3643:
3628:
3535:
3353:
3335:
3074:
3062:
3026:
2449:
1695:
1669:
1471:
589:
585:
490:
480:
400:
331:
There are three states and one territory that do not have a private CTP scheme. In
190:
2983:
2042:
689:
Third-party vehicle insurance is a mandatory requirement for every vehicle in the
4258:
4221:
4197:
3998:
3993:
3973:
3932:
3927:
3874:
3869:
3733:
3713:
3590:
3555:
3208:
3005:
Handel, Peter; Ohlsson, Jens; Ohlsson, Martin; Skog, Isaac; Nygren, Elin (2014).
2261:
2049:
1553:
in some cases monitoring focus upon behavioural analysis such as smooth driving.
1284:
826:
584:. No exemption is possible by money deposit. The premium covers all damage up to
321:
300:
206:
178:
2887:"Men Are Still Charged More than Women for Car Insurance Despite EU Rule Change"
2150:
2076:
4164:
4013:
3696:
3560:
3454:
3400:
3030:
1710:
1535:
1428:
1325:
1258:
522:
214:
3066:
2437:
1415:
Cents Per Mile Now (1986) advocates classified odometer-mile rates, a type of
544:
In some European languages, comprehensive non-mandatory insurance is known as
4295:
3967:
3888:
3836:
3775:
3613:
3479:
2463:
1674:
1664:
1624:
1550:
1527:
1209:
588:
500m (about €1.8m) per crash without deductible. The coverage is extended to
3124:"Metromile Launches Per-Mile Car Insurance That Could Save Californians 40%"
2166:
Dynamic Econometric Analysis of Insurance Markets with Imperfect Information
1638:
need to be fixed or replaced. These parts include transmissions, oil pumps,
1287:. Those factors can include the car characteristics, the coverage selected (
1239:
The excess itself can also be protected by a motor excess insurance policy.
935:
When the vehicle is used outside the geographical area covered by the policy
779:
699:. When a vehicle is not insured the owner will receive a fine from the RDW (
4216:
4028:
4023:
3983:
3944:
2401:"¿Problemas con su seguro tradicional? Ya puede asegurar su coche por días"
2077:"Hong Kong-Zhuhai-Macau Bridge (HZMB) Insurance Corner 港珠澳大橋保險專區 港珠澳大桥保险专区"
1992:
1107:
on display outside the force's headquarters in 2006. In the United Kingdom.
1048:
788:
540:
in the case of damage to property, €1,300,000 (US$ 1,537,510) per accident.
450:
434:
404:
222:
2454:
2421:
PT. Jasa Raharja | Asuransi Kecelakaan Lalulintas Jalan dan Penumpang Umum
4251:
4206:
3879:
3664:
2984:"Progressive's "pay-as-you-drive" auto insurance poised for wide rollout"
2442:
Jurnal Keselamatan Transportasi Jalan (Indonesian Journal of Road Safety)
1100:
1000:
690:
603:
1774:"Germany's law on compulsory motor insurance marks its 75th anniversary"
4150:
4142:
4018:
3939:
3900:
3844:
3090:
2853:
Auto Insurance Rates Are 70% Higher If You Live In A Black Neighborhood
1546:
1288:
1221:
1205:
1142:
442:
360:
314:
194:
170:
162:
1862:
4192:
4008:
3978:
3949:
3318:
1501:
1338:
1225:
796:
248:
186:
158:
2923:
37:
3916:
2907:"The gender ruling that could see insurance premiums rise by £100s"
2193:. Portland, OR: Graphic Arts Center Publishing Company. p. 46.
2129:
Chapter 272: Motor Vehicles Insurance (Third Party Risks) Ordinance
1420:
1404:
408:
340:
2958:
1545:. Behaviour based Insurance focusing upon driving is often called
3854:
3790:
2579:. Department of Minerals and Energy, South Africa. Archived from
1280:
1229:
1182:
Third parties (car and people, property damage and bodily injury)
1150:
581:
565:
478:
against liability of death or bodily injury to third party up to
1169:
Vehicle insurance can cover some or all of the following items:
665:
is a common insurance policy, while the all-inclusive policies (
3509:
3276:
3202:
US patent application 20090063201 "SoberTeen driving insurance"
2924:
Miller, Roger LeRoy & Stafford, Alan D. (16 January 2009).
2420:
1643:
1639:
1495:
1296:
1292:
1154:
1096:
1016:
580:
Third party vehicle insurance is mandatory for all vehicles in
421:
412:
1141:
The regulations for vehicle insurance differ with each of the
4169:
1576:
deal primarily with the United States and do not represent a
1158:
1071:
166:
3287:
3051:
2435:
1427:
Critics point out the possibility of cheating the system by
1055:, which goes towards compensating third parties in crashes.
832:. DPWKLLJ is included, through an annual premium called the
795:
Third-party vehicle insurance is a mandatory requirement in
3864:
3226:"Auto repair insurance pledges to pay your breakdown bills"
2756:"Maine Bureau of Insurance: Auto Insurance Required by Law"
488:
12.87 million) and/or damage to third party property up to
261:
Third-Party Property Damage, with or without Fire and Theft
693:. This obligation is mandatory based on article 2 of the
495:
485:
3004:
848:), in the annual vehicle tax which is paid to the local
213:
A compulsory car insurance scheme was introduced in the
3166:. Wall Street Journal. 11 February 2009. Archived from
2482:
Insurance Regulatory and Development Authority of India
1051:
allocates a percentage of the money from fuel into the
3091:"Snapshot, Snapshot Discount: Pay As You Drive (PAYD)"
2905:
Collinson, Patrick; Jones, Rupert (23 November 2012).
897:
There are different types of auto insurance in India:
556:
1291:, limit, covered perils), the profile of the driver (
834:
Compulsory Donation to the Road Traffic Accident Fund
809:
Dana Pertanggungan Wajib Kecelakaan Lalu Lintas Jalan
2551:"Poliţele RCA se scumpesc în 2009 cu 10 până la 30%"
787:. This logo has since ubiquitously appeared in many
324:, since July 2016, CTP is no longer provided by the
2527:. Accident Compensation Corporation. Archived from
2063:"What is facility insurance for high-risk drivers?"
1461:. Such 'telematic' policies typically are based on
902:
if no claim is made for insurance in previous year.
286:
62:. Unsourced material may be challenged and removed.
2917:
2885:
2347:"Wet aansprakelijkheidsverzekering motorrijtuigen"
2292:
2168:. Amsterdam: University of Amsterdam. p. 12.
1194:The cost to tow your vehicle to a repair facility.
2319:Zaken, Ministerie van Algemene (6 January 2021).
1397:
842:Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan
710:). The third-party vehicle insurance is called a
4293:
3055:IEEE Intelligent Transportation Systems Magazine
2869:E.U. Court to Insurers: Stop Making Men Pay More
854:Sistem Administrasi Manunggal di bawah Satu Atap
696:Wet aansprakelijkheidsverzekering motorrijtuigen
441:provides collision coverage (less than a $ 1000
306:A privately provided scheme also applies in the
205:Widespread use of the motor car began after the
1191:The cost to rent a vehicle if yours is damaged.
874:A sample Vehicle Insurance Certificate in India
801:Road Traffic Accidents Compulsory Coverage Fund
280:Third-Party Property Damage with Fire and Theft
2904:
2603:"South African Road Accident Fund Act of 1996"
2344:
2220:Inglese. Dizionario e guida alla conversazione
3303:
1631:natural disaster or at the hands of vandals.
1574:The examples and perspective in this section
749:
675:
648:
646:) and the National Transportation Authority (
640:
633:
469:Some differences apply in different regions:
359:For all types of motor insurance policies in
1706:Insurance Information and Enforcement System
856:), which is responsible for cars and roads.
642:Associazione Nazionale Imprese Assicuratrici
449:) as part of its basic insurance policy. In
428:. All provinces in Canada have some form of
1517:
1264:
928:Auto insurance generally does not include:
735:
729:
723:
717:
711:
694:
3310:
3296:
2605:. South African Government. Archived from
1993:"Newfoundland and Labrador Auto Insurance"
1956:
1887:Australia, Government of South Australia.
1592:, or create a new section, as appropriate.
1125:six to eight penalty driving points (IN10)
884:passengers and third party legal liability
882:of the vehicle while driving and also for
2828:"Neighbourhoods and Auto Insurance Rates"
2806:"What determines the price of my policy?"
2453:
1701:International Motor Insurance Card System
1608:Learn how and when to remove this message
1410:
1379:
938:War or nuclear perils and drunken driving
894:copy, original estimate and policy copy.
635:Responsabilità civile per gli autoveicoli
122:Learn how and when to remove this message
3248:"Kaputt(gemachte)e Märkte - autohaus.de"
2654:"Road Traffic Act 1988: Section 143"
1090:
942:
869:
783:Logo of PT Jasa Raharja (Persero) since
778:
560:International Motor Insurance Card (IVK)
555:
133:
2863:
2861:
2851:Mondalek, Alexandra (20 November 2015)
2398:
2274:Book (eISB), electronic Irish Statute.
2273:
2208:. London: Euromoney Books. p. 119.
2188:
2163:
2091:"Information of Car insurance in China"
1353:
1341:scheme in the UK, or if they install a
1257:policy. As a bigger excess reduces the
1087:Vehicle insurance in the United Kingdom
1058:
14:
4294:
3223:
3219:
3217:
3105:"How Auto Insurance By The Mile Works"
2883:
2879:
2877:
2820:
2276:"electronic Irish Statute Book (eISB)"
1939:"Public Versus Private Auto Insurance"
1796:
1197:Crashes involving uninsured motorists.
1137:Vehicle insurance in the United States
3291:
3086:
3084:
2894:from the original on 12 January 2022.
2431:
2429:
2318:
2203:
1886:
1691:Guaranteed asset protection insurance
1485:
1179:The insured vehicle (physical damage)
1176:Property damage caused by the insured
1034:
978:Third-party, fire, and theft coverage
3121:
2858:
2845:
1792:
1790:
1768:
1766:
1753:
1751:
1560:
1242:
1173:The insured party (medical payments)
880:accident cover for individual owners
60:adding citations to reliable sources
31:
3214:
3164:"Bad Credit worse than bad driving"
2874:
2505:. Accident Compensation Corporation
2222:. Rome: L'Airone. 2004. p. 92.
2036:
2019:"Basic auto damage insurance - SGI"
1914:"A summary of what we cover - MAIB"
1556:
1444:
1251:
1220:An excess payment, also known as a
914:Auto insurance generally includes:
677:Fondo garanzia vittime della strada
24:
3349:Accidental death and dismemberment
3240:
3102:
3081:
2426:
2105:from the original on 29 April 2022
1970:. Queen's Printer. 12 October 2012
1758:Road Traffic Act, 1933, Section 61
1480:Smartphone auto insurance policies
1164:
791:and temporary barriers nationwide.
263:insurance, are sold separately.
229:
25:
4323:
3269:
3224:Lerner, Michele (14 April 2016).
3211:. Peertopatent.org (20 May 2009).
2930:. Cengage Learning. p. 475.
2808:. Insurance Information Institute
1787:
1763:
1748:
1508:
1362:
1080:
1063:When buying car insurance in the
1005:Accident Compensation Corporation
510:
3475:Directors and officers liability
3275:
3190:'Black Box' idea travels to cars
2927:Economic Education for Consumers
1964:"Forest and Range Practices Act"
1565:
1302:
1130:
370:(US$ 170) BDT 20,000 for death,
287:Compulsory Third-Party Insurance
36:
3195:
3182:
3156:
3134:
3115:
3096:
3045:
2998:
2976:
2951:
2898:
2867:Cendrowicz, Leo (2 March 2011)
2798:
2773:
2748:
2723:
2698:
2677:
2646:
2621:
2595:
2569:
2543:
2517:
2495:
2470:
2414:
2392:
2371:
2365:
2338:
2312:
2286:
2267:
2248:
2226:
2212:
2197:
2182:
2157:
2143:
2117:
2083:
2069:
2055:
2016:
2010:
1985:
1931:
1276:mandatory liability coverages.
1043:
866:Motor Vehicle Insurance (India)
751:Seguro de responsabilidad civil
345:Motor Accidents Insurance Board
47:needs additional citations for
2884:Palmer, Kate (10 April 2015).
2264:. 193.178.1.79 (29 July 1961).
1906:
1880:
1855:
1829:
1816:
1723:
1398:Reasonable distance estimation
994:
765:is a common insurance policy.
734:(limited frame coverage), and
684:
347:. A similar scheme applies in
13:
1:
3317:
1826:. Lawrence Berkeley Lab., CA.
1716:
1524:non-intrusive load monitoring
1407:readings to verify the risk.
1370:
1271:Auto insurance risk selection
763:Third parties, fire and theft
701:Netherlands Vehicle Authority
663:Third parties, fire and theft
527:‘‘Motor Insurance Directive’’
354:
337:Transport Accident Commission
296:of someone in a motor crash.
4242:Savings and loan association
3188:Davis, Harold (21 May 2009)
2786:. Casualty Actuarial Society
774:
719:Wettelijke aansprakelijkheid
472:
399:Several Canadian provinces (
377:(US$ 85) for severe injury,
308:Australian Capital Territory
242:
7:
3675:Insurance-linked securities
2557:(in Romanian). 6 March 2009
1653:
1642:, timing gears, flywheels,
1588:, discuss the issue on the
1491:The Progressive Corporation
1474:insurance policies, 'PHYD'
1388:
1204:If a vehicle is declared a
1185:Third party, fire and theft
951:
517:Vehicle insurance in France
274:Third-Party Property Damage
27:Insurance for road vehicles
10:
4328:
3364:Total permanent disability
3031:10.1109/JSYST.2013.2292721
2832:Insurance Bureau of Canada
2666:, 1988 c. 52 (s. 143)
2299:www.citizensinformation.ie
2191:Culture Shock! Switzerland
2052:. Ibc.ca (1 January 2003).
2043:Insurance Bureau of Canada
1997:Insurance Bureau of Canada
1943:Insurance Bureau of Canada
1268:
1134:
1084:
1022:
863:
596:
575:
551:
548:(Casualty and Collision).
514:
251:, every state has its own
200:
4267:
4119:
4104:Health insurance coverage
4044:
3828:
3657:
3599:
3528:
3447:
3399:
3369:Business overhead expense
3334:
3325:
3067:10.1109/MITS.2014.2343262
2234:"Germany – Car Insurance"
2189:Eu-Wong, Shirley (2003).
1321:European Court of Justice
1310:
1215:
1147:see separate main article
1010:
822:PT Jasa Raharja (Persero)
426:Newfoundland and Labrador
394:
384:(US$ 43) for injury, and
326:Motor Accident Commission
3505:Protection and indemnity
2293:Citizensinformation.ie.
2206:Hungary: Leading the Way
1518:Behavior-based insurance
1265:Basis of premium charges
892:First information report
859:
743:
627:
501:
460:
3962:Explanation of benefits
3434:Variable universal life
2280:www.irishstatutebook.ie
2164:Zavadil, Tibor (2009).
1797:alexia (6 April 2022).
1731:"Road Traffic Act 1930"
1686:Family purpose doctrine
728:(liability insurance),
447:collision damage waiver
4099:Health insurance costs
3500:Professional liability
2255:Road Traffic Act, 1961
2048:9 January 2008 at the
1735:www.legislation.gov.uk
1660:Alcohol exclusion laws
1438:
1411:Odometer-based systems
1380:Vehicle classification
1331:
1108:
1029:Răspundere Auto Civilă
1027:Romanian law mandates
986:Comprehensive coverage
875:
841:
808:
792:
750:
736:
730:
724:
718:
712:
695:
676:
649:
641:
634:
593:policy at the border.
561:
253:Compulsory Third-Party
139:
3955:Out-of-pocket expense
3816:Workers' compensation
3470:Collateral protection
3460:Business interruption
2731:"Mandatory Insurance"
2664:The National Archives
2455:10.46447/ktj.v9i1.426
1621:Auto repair insurance
1542:Behavior-based safety
1532:usage-based insurance
1451:Progressive Insurance
1433:
1417:usage-based insurance
1319:On 1 March 2011, the
1121:Road Traffic Act 1988
1113:Road Traffic Act 1930
1094:
943:Third party insurance
873:
782:
650:Motorizzazione Civile
559:
417:public auto insurance
219:Road Traffic Act 1930
137:
4178:Corpus Juris Civilis
3284:at Wikimedia Commons
3207:18 June 2010 at the
3011:IEEE Systems Journal
2959:"Cents Per Mile Now"
2609:on 24 September 2009
2423:. Jasaraharja.co.id.
2345:wetten.overheid.nl.
2260:13 June 2011 at the
2101:. 13 December 2017.
1646:, axles and joints.
1586:improve this section
1354:U.S. driving history
1103:(right) - seized by
1065:United Arab Emirates
1059:United Arab Emirates
969:Third-party coverage
716:where WA stands for
56:improve this article
4237:Rochdale Principles
4232:Mutual savings bank
4227:Mutual organization
4212:Cooperative banking
4129:Mesopotamian banker
3409:Longevity insurance
3023:2014ISysJ...8.1238H
2963:centspermilenow.org
2706:"Vehicle insurance"
2204:Smart, Tim (1995).
2095:visitbeijing.com.cn
1889:"Vehicle insurance"
1863:"CTP scheme - MAIC"
1623:is an extension of
1467:Telematic Insurance
1463:black-box insurance
1459:Telematic Insurance
1095:Uninsured cars - a
71:"Vehicle insurance"
4307:Types of insurance
3989:Insurable interest
3490:Payment protection
3391:Payment protection
3170:on 5 November 2009
3093:. Progressive.com.
2781:"Basic Ratemaking"
2692:Legislation.gov.uk
2659:legislation.gov.uk
2577:"Petrol Structure"
2525:"How we're funded"
2351:wetten.overheid.nl
2131:. 16 November 2017
1843:on 28 October 2009
1822:Wenzel T. (1995).
1486:OBDII-based system
1429:odometer tampering
1109:
1053:Road Accident Fund
1035:Russian Federation
876:
793:
737:WA vollledig casco
562:
430:no-fault insurance
175:traffic collisions
140:
4302:Vehicle insurance
4289:
4288:
4134:Code of Hammurabi
4109:Vehicle insurance
4004:Replacement value
3896:Actual cash value
3860:Adverse selection
3850:Actuarial science
3824:
3823:
3756:Kidnap and ransom
3729:Extended warranty
3376:Income protection
3280:Media related to
2937:978-0-538-44888-8
2478:"Motor Insurance"
2325:www.government.nl
2153:. 7 October 2009.
1681:Extended coverage
1618:
1617:
1610:
1476:Pay How You Drive
1243:Compulsory excess
1105:Merseyside Police
349:Western Australia
191:natural disasters
143:Vehicle insurance
132:
131:
124:
106:
16:(Redirected from
4319:
4247:Social insurance
4202:Friendly society
4094:Health insurance
3922:Short rate table
3670:Catastrophe bond
3571:Lenders mortgage
3332:
3331:
3312:
3305:
3298:
3289:
3288:
3279:
3263:
3262:
3260:
3258:
3244:
3238:
3237:
3235:
3233:
3221:
3212:
3199:
3193:
3186:
3180:
3179:
3177:
3175:
3160:
3154:
3153:
3151:
3149:
3138:
3132:
3131:
3122:Constine, Josh.
3119:
3113:
3112:
3100:
3094:
3088:
3079:
3078:
3049:
3043:
3042:
3017:(4): 1238–1248.
3002:
2996:
2995:
2993:
2991:
2980:
2974:
2973:
2971:
2969:
2955:
2949:
2948:
2946:
2944:
2921:
2915:
2914:
2902:
2896:
2895:
2889:
2881:
2872:
2865:
2856:
2849:
2843:
2842:
2840:
2838:
2824:
2818:
2817:
2815:
2813:
2802:
2796:
2795:
2793:
2791:
2785:
2777:
2771:
2770:
2768:
2766:
2752:
2746:
2745:
2743:
2741:
2727:
2721:
2720:
2718:
2716:
2702:
2696:
2695:
2689:
2681:
2675:
2674:
2673:
2671:
2650:
2644:
2643:
2641:
2639:
2629:"RTA Law in UAE"
2625:
2619:
2618:
2616:
2614:
2599:
2593:
2592:
2590:
2588:
2573:
2567:
2566:
2564:
2562:
2547:
2541:
2540:
2538:
2536:
2521:
2515:
2514:
2512:
2510:
2499:
2493:
2492:
2490:
2488:
2474:
2468:
2467:
2457:
2433:
2424:
2418:
2412:
2411:
2409:
2407:
2396:
2390:
2389:
2387:
2385:
2369:
2363:
2362:
2360:
2358:
2342:
2336:
2335:
2333:
2331:
2316:
2310:
2309:
2307:
2305:
2290:
2284:
2283:
2271:
2265:
2252:
2246:
2245:
2243:
2241:
2230:
2224:
2223:
2216:
2210:
2209:
2201:
2195:
2194:
2186:
2180:
2179:
2175:978-90-361-00946
2161:
2155:
2154:
2147:
2141:
2140:
2138:
2136:
2121:
2115:
2114:
2112:
2110:
2087:
2081:
2080:
2073:
2067:
2066:
2059:
2053:
2040:
2034:
2033:
2031:
2029:
2014:
2008:
2007:
2005:
2003:
1989:
1983:
1982:
1977:
1975:
1960:
1954:
1953:
1951:
1949:
1935:
1929:
1928:
1926:
1924:
1910:
1904:
1903:
1901:
1899:
1884:
1878:
1877:
1875:
1873:
1859:
1853:
1852:
1850:
1848:
1833:
1827:
1820:
1814:
1813:
1811:
1809:
1803:Ganado Advocates
1794:
1785:
1784:
1782:
1780:
1770:
1761:
1755:
1746:
1745:
1743:
1741:
1727:
1696:Health insurance
1670:Automobile costs
1613:
1606:
1602:
1599:
1593:
1569:
1568:
1561:
1557:Repair insurance
1472:Pay As You Drive
1445:GPS-based system
1252:Voluntary excess
1248:excess charges.
1153:to $ 100,000 in
830:
786:
753:
739:
733:
731:WA beperkt casco
727:
721:
715:
709:
698:
679:
652:
644:
637:
493:
483:
401:British Columbia
390:
388:
383:
381:
376:
374:
369:
367:
197:in each region.
127:
120:
116:
113:
107:
105:
64:
40:
32:
21:
4327:
4326:
4322:
4321:
4320:
4318:
4317:
4316:
4292:
4291:
4290:
4285:
4263:
4259:Insurance cycle
4222:Fraternal order
4115:
4046:
4040:
3999:Proximate cause
3994:Insurance fraud
3974:General average
3933:Claims adjuster
3875:Risk management
3870:Risk assessment
3834:
3831:
3820:
3786:Prize indemnity
3653:
3601:
3595:
3524:
3485:Over-redemption
3443:
3395:
3386:National health
3327:
3321:
3316:
3272:
3267:
3266:
3256:
3254:
3252:www.autohaus.de
3246:
3245:
3241:
3231:
3229:
3222:
3215:
3209:Wayback Machine
3200:
3196:
3187:
3183:
3173:
3171:
3162:
3161:
3157:
3147:
3145:
3140:
3139:
3135:
3120:
3116:
3101:
3097:
3089:
3082:
3050:
3046:
3003:
2999:
2989:
2987:
2982:
2981:
2977:
2967:
2965:
2957:
2956:
2952:
2942:
2940:
2938:
2922:
2918:
2903:
2899:
2882:
2875:
2866:
2859:
2850:
2846:
2836:
2834:
2826:
2825:
2821:
2811:
2809:
2804:
2803:
2799:
2789:
2787:
2783:
2779:
2778:
2774:
2764:
2762:
2754:
2753:
2749:
2739:
2737:
2729:
2728:
2724:
2714:
2712:
2704:
2703:
2699:
2694:. October 2015.
2687:
2683:
2682:
2678:
2669:
2667:
2652:
2651:
2647:
2637:
2635:
2627:
2626:
2622:
2612:
2610:
2601:
2600:
2596:
2586:
2584:
2575:
2574:
2570:
2560:
2558:
2549:
2548:
2544:
2534:
2532:
2531:on 16 July 2011
2523:
2522:
2518:
2508:
2506:
2503:"Am I covered?"
2501:
2500:
2496:
2486:
2484:
2476:
2475:
2471:
2434:
2427:
2419:
2415:
2405:
2403:
2397:
2393:
2383:
2381:
2370:
2366:
2356:
2354:
2343:
2339:
2329:
2327:
2317:
2313:
2303:
2301:
2291:
2287:
2272:
2268:
2262:Wayback Machine
2253:
2249:
2239:
2237:
2232:
2231:
2227:
2218:
2217:
2213:
2202:
2198:
2187:
2183:
2176:
2162:
2158:
2149:
2148:
2144:
2134:
2132:
2123:
2122:
2118:
2108:
2106:
2099:Beijing Tourism
2089:
2088:
2084:
2075:
2074:
2070:
2061:
2060:
2056:
2050:Wayback Machine
2041:
2037:
2027:
2025:
2015:
2011:
2001:
1999:
1991:
1990:
1986:
1973:
1971:
1962:
1961:
1957:
1947:
1945:
1937:
1936:
1932:
1922:
1920:
1912:
1911:
1907:
1897:
1895:
1885:
1881:
1871:
1869:
1861:
1860:
1856:
1846:
1844:
1835:
1834:
1830:
1821:
1817:
1807:
1805:
1795:
1788:
1778:
1776:
1772:
1771:
1764:
1760:. 193.178.1.79.
1756:
1749:
1739:
1737:
1729:
1728:
1724:
1719:
1677:for rental cars
1656:
1614:
1603:
1597:
1594:
1583:
1570:
1566:
1559:
1520:
1511:
1488:
1447:
1413:
1400:
1391:
1382:
1373:
1365:
1356:
1334:
1313:
1305:
1273:
1267:
1254:
1245:
1218:
1167:
1165:Coverage levels
1139:
1133:
1089:
1083:
1061:
1046:
1037:
1025:
1013:
997:
954:
945:
868:
862:
824:
784:
777:
746:
703:
687:
630:
599:
578:
554:
519:
513:
504:
489:
479:
475:
463:
397:
386:
385:
379:
378:
372:
371:
365:
364:
357:
322:South Australia
301:New South Wales
289:
245:
232:
230:Public policies
207:First World War
203:
151:motor insurance
145:(also known as
128:
117:
111:
108:
65:
63:
53:
41:
28:
23:
22:
15:
12:
11:
5:
4325:
4315:
4314:
4309:
4304:
4287:
4286:
4284:
4283:
4280:List of topics
4276:
4268:
4265:
4264:
4262:
4261:
4256:
4255:
4254:
4249:
4244:
4239:
4234:
4229:
4224:
4219:
4214:
4209:
4195:
4190:
4189:
4188:
4174:
4173:
4172:
4167:
4165:Burial society
4155:
4154:
4153:
4147:§235–238; §240
4139:§100–105; §126
4131:
4125:
4123:
4117:
4116:
4114:
4113:
4112:
4111:
4106:
4101:
4096:
4091:
4089:Climate change
4081:
4079:United Kingdom
4076:
4071:
4066:
4061:
4056:
4050:
4048:
4042:
4041:
4039:
4038:
4037:
4036:
4026:
4024:Underinsurance
4021:
4016:
4014:Self-insurance
4011:
4006:
4001:
3996:
3991:
3986:
3981:
3976:
3971:
3964:
3959:
3958:
3957:
3952:
3947:
3937:
3936:
3935:
3925:
3924:
3923:
3920:
3908:
3903:
3898:
3893:
3892:
3891:
3886:
3877:
3872:
3867:
3862:
3857:
3847:
3841:
3839:
3826:
3825:
3822:
3821:
3819:
3818:
3813:
3808:
3803:
3798:
3793:
3788:
3783:
3781:Political risk
3778:
3773:
3768:
3763:
3761:Legal expenses
3758:
3753:
3748:
3747:
3746:
3736:
3731:
3726:
3721:
3716:
3711:
3710:
3709:
3704:
3694:
3689:
3684:
3679:
3678:
3677:
3672:
3661:
3659:
3655:
3654:
3652:
3651:
3646:
3641:
3636:
3631:
3626:
3621:
3616:
3611:
3605:
3603:
3597:
3596:
3594:
3593:
3588:
3583:
3578:
3573:
3568:
3563:
3558:
3553:
3548:
3543:
3541:Builder's risk
3538:
3532:
3530:
3526:
3525:
3523:
3522:
3517:
3512:
3507:
3502:
3497:
3492:
3487:
3482:
3477:
3472:
3467:
3465:Business owner
3462:
3457:
3451:
3449:
3445:
3444:
3442:
3441:
3436:
3431:
3429:Universal life
3426:
3421:
3416:
3411:
3405:
3403:
3397:
3396:
3394:
3393:
3388:
3383:
3381:Long-term care
3378:
3373:
3372:
3371:
3366:
3356:
3351:
3346:
3340:
3338:
3329:
3323:
3322:
3315:
3314:
3307:
3300:
3292:
3286:
3285:
3271:
3270:External links
3268:
3265:
3264:
3239:
3228:. Fox Business
3213:
3194:
3181:
3155:
3133:
3114:
3095:
3080:
3044:
2997:
2975:
2950:
2936:
2916:
2897:
2873:
2857:
2844:
2819:
2797:
2772:
2747:
2722:
2697:
2676:
2645:
2620:
2594:
2568:
2542:
2516:
2494:
2469:
2425:
2413:
2391:
2364:
2337:
2311:
2285:
2266:
2247:
2225:
2211:
2196:
2181:
2174:
2156:
2142:
2116:
2082:
2068:
2054:
2035:
2009:
1984:
1955:
1930:
1905:
1879:
1854:
1828:
1815:
1786:
1762:
1747:
1721:
1720:
1718:
1715:
1714:
1713:
1711:Omnibus clause
1708:
1703:
1698:
1693:
1688:
1683:
1678:
1672:
1667:
1662:
1655:
1652:
1616:
1615:
1598:September 2012
1580:of the subject
1578:worldwide view
1573:
1571:
1564:
1558:
1555:
1536:peer to patent
1519:
1516:
1510:
1509:Credit ratings
1507:
1487:
1484:
1478:or since 2012
1446:
1443:
1412:
1409:
1399:
1396:
1394:destinations.
1390:
1387:
1381:
1378:
1372:
1369:
1364:
1363:Marital status
1361:
1355:
1352:
1333:
1330:
1326:life insurance
1312:
1309:
1304:
1301:
1269:Main article:
1266:
1263:
1259:financial risk
1253:
1250:
1244:
1241:
1217:
1214:
1199:
1198:
1195:
1192:
1189:
1186:
1183:
1180:
1177:
1174:
1166:
1163:
1135:Main article:
1132:
1129:
1085:Main article:
1082:
1081:United Kingdom
1079:
1060:
1057:
1045:
1042:
1036:
1033:
1024:
1021:
1012:
1009:
996:
993:
988:
987:
980:
979:
971:
970:
962:
961:
953:
950:
944:
941:
940:
939:
936:
933:
926:
925:
922:
919:
912:
911:
907:
903:
864:Main article:
861:
858:
776:
773:
745:
742:
725:WA verzekering
713:WA verzekering
686:
683:
629:
626:
614:insurance disc
598:
595:
577:
574:
553:
550:
542:
541:
538:
523:European Union
512:
511:European Union
509:
503:
500:
474:
471:
462:
459:
396:
393:
356:
353:
288:
285:
284:
283:
277:
271:
244:
241:
231:
228:
215:United Kingdom
202:
199:
155:auto insurance
130:
129:
44:
42:
35:
26:
18:Auto insurance
9:
6:
4:
3:
2:
4324:
4313:
4310:
4308:
4305:
4303:
4300:
4299:
4297:
4282:
4281:
4277:
4275:
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4270:
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4260:
4257:
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4230:
4228:
4225:
4223:
4220:
4218:
4215:
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4210:
4208:
4205:
4204:
4203:
4199:
4196:
4194:
4191:
4187:
4186:
4182:
4181:
4180:
4179:
4175:
4171:
4168:
4166:
4163:
4162:
4161:
4160:
4156:
4152:
4148:
4144:
4140:
4137:
4136:
4135:
4132:
4130:
4127:
4126:
4124:
4122:
4118:
4110:
4107:
4105:
4102:
4100:
4097:
4095:
4092:
4090:
4087:
4086:
4085:
4084:United States
4082:
4080:
4077:
4075:
4072:
4070:
4067:
4065:
4062:
4060:
4057:
4055:
4052:
4051:
4049:
4043:
4035:
4032:
4031:
4030:
4027:
4025:
4022:
4020:
4017:
4015:
4012:
4010:
4007:
4005:
4002:
4000:
3997:
3995:
3992:
3990:
3987:
3985:
3982:
3980:
3977:
3975:
3972:
3970:
3969:
3968:Force majeure
3965:
3963:
3960:
3956:
3953:
3951:
3948:
3946:
3943:
3942:
3941:
3938:
3934:
3931:
3930:
3929:
3926:
3921:
3919:
3918:
3914:
3913:
3912:
3909:
3907:
3904:
3902:
3899:
3897:
3894:
3890:
3889:Value of life
3887:
3885:
3881:
3878:
3876:
3873:
3871:
3868:
3866:
3863:
3861:
3858:
3856:
3853:
3852:
3851:
3848:
3846:
3843:
3842:
3840:
3838:
3833:
3827:
3817:
3814:
3812:
3809:
3807:
3804:
3802:
3799:
3797:
3794:
3792:
3789:
3787:
3784:
3782:
3779:
3777:
3774:
3772:
3769:
3767:
3764:
3762:
3759:
3757:
3754:
3752:
3751:Interest rate
3749:
3745:
3742:
3741:
3740:
3737:
3735:
3732:
3730:
3727:
3725:
3722:
3720:
3717:
3715:
3712:
3708:
3705:
3703:
3700:
3699:
3698:
3695:
3693:
3690:
3688:
3685:
3683:
3680:
3676:
3673:
3671:
3668:
3667:
3666:
3663:
3662:
3660:
3656:
3650:
3647:
3645:
3642:
3640:
3637:
3635:
3632:
3630:
3627:
3625:
3622:
3620:
3619:Inland marine
3617:
3615:
3614:GAP insurance
3612:
3610:
3607:
3606:
3604:
3602:Communication
3598:
3592:
3589:
3587:
3584:
3582:
3579:
3577:
3574:
3572:
3569:
3567:
3564:
3562:
3559:
3557:
3554:
3552:
3549:
3547:
3544:
3542:
3539:
3537:
3534:
3533:
3531:
3527:
3521:
3518:
3516:
3513:
3511:
3508:
3506:
3503:
3501:
3498:
3496:
3493:
3491:
3488:
3486:
3483:
3481:
3478:
3476:
3473:
3471:
3468:
3466:
3463:
3461:
3458:
3456:
3453:
3452:
3450:
3446:
3440:
3437:
3435:
3432:
3430:
3427:
3425:
3424:Unitised fund
3422:
3420:
3417:
3415:
3414:Mortgage life
3412:
3410:
3407:
3406:
3404:
3402:
3398:
3392:
3389:
3387:
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1528:drunk driving
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4029:Underwriting
3984:Insurability
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3945:Co-insurance
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3911:Cancellation
3702:Catastrophic
3687:Climate risk
3648:
3515:Trade credit
3255:. Retrieved
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3172:. Retrieved
3168:the original
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3109:Investopedia
3108:
3098:
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3058:
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2988:. Retrieved
2986:. insure.com
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2837:22 September
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2810:. Retrieved
2800:
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1841:the original
1831:
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1738:. Retrieved
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1143:50 US states
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4252:Trade union
4207:Cooperative
3880:Uncertainty
3739:Index-based
3707:Multi-peril
3665:Reinsurance
3624:Public auto
3529:Residential
2943:6 September
2871:, Time.com.
2855:, Time.com.
2535:23 December
2509:23 December
2374:"RDW boete"
2295:"Motor tax"
1974:1 September
1898:28 November
1847:28 November
1522:The use of
1101:Ford Mondeo
1099:(left) and
1001:New Zealand
995:New Zealand
825: [
704: [
691:Netherlands
685:Netherlands
494:2 million (
195:regulations
171:motorcycles
4296:Categories
4047:by country
4045:Insurance
4019:Total loss
3940:Deductible
3901:Cash value
3845:Act of God
3830:Insurance
3744:Parametric
3724:Expatriate
3600:Transport/
3566:Landlords'
3551:Earthquake
3439:Whole life
3359:Disability
3128:TechCrunch
2613:4 December
2555:Realitatea
2406:4 November
2380:(in Dutch)
2378:www.rdw.nl
2353:(in Dutch)
1717:References
1547:Telematics
1526:to detect
1371:Profession
1343:telematics
1289:deductible
1222:deductible
1206:total loss
838:Indonesian
805:Indonesian
515:See also:
443:deductible
361:Bangladesh
355:Bangladesh
315:Queensland
210:property.
82:newspapers
4312:Car costs
4193:Syndicate
4159:Collegium
4054:Australia
4009:Risk pool
3979:Indemnity
3950:Copayment
3884:Knightian
3796:Terrorism
3766:Liability
3634:Satellite
3495:Pollution
3419:Term life
3328:insurance
3326:Types of
3319:Insurance
3174:9 January
3148:9 January
3144:. ftc.gov
2784:(Article)
2464:2721-7248
1968:bclaws.ca
1590:talk page
1502:Metromile
1339:Pass Plus
1226:write-off
1115:, of the
960:Act cover
797:Indonesia
775:Indonesia
618:motor tax
473:Hong Kong
249:Australia
243:Australia
217:with the
187:vandalism
179:liability
159:insurance
112:July 2014
4273:Category
4151:§275–277
4069:Pakistan
3917:Pro rata
3806:War risk
3771:No-fault
3682:Casualty
3639:Shipping
3609:Aviation
3586:Renters'
3581:Property
3576:Mortgage
3546:Contents
3520:Umbrella
3480:Fidelity
3448:Business
3344:Accident
3205:Archived
3039:18443890
2892:Archived
2790:28 March
2715:5 August
2670:2 August
2330:4 August
2304:30 March
2258:Archived
2240:28 March
2236:. Paguro
2109:29 April
2103:Archived
2046:Archived
2028:28 March
2002:28 March
1948:28 March
1923:28 March
1872:28 March
1808:5 August
1779:28 March
1740:28 March
1654:See also
1584:You may
1421:odometer
1405:odometer
1389:Distance
952:Malaysia
910:vehicle.
437:, where
409:Manitoba
341:Tasmania
333:Victoria
4198:Benefit
4185:Digesta
4121:History
3855:Actuary
3811:Weather
3801:Tuition
3791:Takaful
3719:Deposit
3649:Vehicle
3075:9166094
3019:Bibcode
2638:24 July
2561:11 June
2135:7 March
1640:pistons
1281:actuary
1230:totaled
1228:" (or "
1151:Arizona
1023:Romania
999:Within
906:period.
846:SWDKLLJ
819:called
813:DPWKLLJ
597:Ireland
582:Hungary
576:Hungary
566:Germany
552:Germany
531:‘‘MID’’
521:In the
223:Germany
201:History
96:scholar
4074:Serbia
4034:Profit
3906:Broker
3832:policy
3644:Travel
3629:Marine
3536:Boiler
3510:Surety
3354:Dental
3336:Health
3257:2 June
3232:2 June
3073:
3037:
2990:11 May
2968:11 May
2934:
2812:11 May
2710:GOV.UK
2633:RTA AE
2587:11 May
2487:4 June
2462:
2384:23 May
2357:23 May
2172:
1644:valves
1496:OBD-II
1311:Gender
1297:gender
1285:claims
1216:Excess
1155:Alaska
1097:BMW X5
1017:Norway
1011:Norway
1003:, the
850:Samsat
422:Canada
413:Quebec
395:Canada
389:50,000
375:10,000
368:20,000
335:, the
167:trucks
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4064:India
4059:China
3928:Claim
3734:Group
3714:Cyber
3692:Crime
3658:Other
3591:Title
3556:Flood
3071:S2CID
3035:S2CID
2688:(PDF)
2372:RDW.
2017:SGI.
1159:Maine
1072:Dubai
860:India
829:]
744:Spain
708:]
667:kasko
628:Italy
546:casco
502:Macau
461:China
382:5,000
183:theft
157:) is
153:, or
103:JSTOR
89:books
4143:§234
3865:Risk
3835:and
3697:Crop
3561:Home
3455:Bond
3401:Life
3259:2018
3234:2018
3176:2010
3150:2010
2992:2006
2970:2006
2945:2011
2932:ISBN
2839:2017
2814:2006
2792:2013
2767:2017
2742:2017
2717:2024
2672:2023
2640:2019
2615:2009
2589:2006
2563:2009
2537:2011
2511:2011
2489:2018
2460:ISSN
2408:2016
2386:2020
2359:2020
2332:2023
2306:2018
2242:2018
2170:ISBN
2137:2018
2111:2022
2030:2018
2004:2018
1976:2020
1950:2018
1925:2018
1918:MAIB
1900:2018
1874:2018
1867:MAIC
1849:2018
1810:2024
1781:2018
1742:2018
1540:See
1157:and
1111:The
785:1980
496:US$
491:HK$
486:US$
481:HK$
411:and
259:and
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161:for
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