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Commercial insurance for vehicles owned or operated by businesses functions quite similarly to private auto insurance, except that personal use of the vehicle is not covered. Commercial insurance pricing is also usually higher than private insurance, due to the expanded types of coverage offered for commercial users. [2]
Third party insurance protects the policyholder against liability of death or bodily injury to third party up to HK$ 100 million (US$12.87 million) and/or damage to third party property up to HK$ 2 million (US$257,400.26) as a result of crash arising out of the use of the insured vehicle. [18]
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
Car insurance topped the list of items tracked by the U.S. Bureau of Labor Services as having the highest annual cost increase. Americans spent 20 percent more on car insurance in 2023 than they ...
Third and subsequent offenses: If you’re caught driving without insurance for the third time or more, you could face a minimum fine of $1,000 and an eight-month license suspension.
What you pay for car insurance for a new versus used vehicle will depend on multiple factors. Your vehicle’s age is just one variable in the equation providers use to estimate your premium.
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