北美CS作业代写 汽车保险

2020-02-09 03:58

虽然早在汽车出现之前，保险的概念就已经形成，但直到1897年，世界上第一份汽车保险单才问世，其间有好几年是不安全驾驶的。由于车祸的自然属性，包括伤亡评估的相对简单性和侵权人偿付能力的不确定性，汽车保险作为政府监管的一部分应运而生。随着20世纪汽车的大规模生产，以及汽车碰撞和死亡的高比率，马萨诸塞州和康涅狄格州政府采取了第一步。现代保险政策现在是源于金融责任所需的康涅狄格的1925年金融责任和强制保险车辆registrationAutomobile保险业监管的先决条件在美国除了新罕布什尔州州一级,现在每个国家都有汽车保险责任强制法律,这意味着每个人都能有自己的汽车保险是否共享或自愿的市场。在自愿或私人市场，车主通常拥有良好的财务、教育背景和清洁驾驶历史。因此，保险公司和投保人可以自由双向选择。然而，共享市场是为那些驾驶记录低于平均水平的人准备的。近年来，共享市场由于自愿市场中非标准部门的出现而出现萎缩。
北美CS作业代写 汽车保险
 Although the concept of insurance had taken shape long before the existence of automobiles, world’s first car insurance policy wasn’t issued until 1897 with years of unsecured driving in between. Due to the natural characteristic of car accident including relative simplicity of casualty appraisal and uncertainty of tortfeasor’s solvency, car insurance was born to be part of government regulation. With mass production of cars in 20th century as well as high rate of car collisions and fatalities, Massachusetts and Connecticut government took the first move. Modern insurance policy nowadays is originated from financial responsibility required by Connecticut’s 1925 financial responsibility and compulsory insurance as prerequisite for vehicle registrationAutomobile insurance industry is regulated at state level in U.S. Except for New Hampshire, nowadays every state has compulsory car insurance liability laws, which means that everyone is guaranteed to have their car insured whether in shared or voluntary market. In voluntary or private market, car owners usually have decent financial, education background and clean driving history. As a result, insurers and policyholders enjoy free two-way selection. However, shared market is for those having worse than average driving record. In recent years, shared market is shrinking due to the emergence of nonstandard section in voluntary market.

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