S. auto insurance policies only provide coverage in the United States and Canada. Before you head out of the country, check with your insurance agent to confirm whether or not your current policy applies overseas. If you're heading to Mexico, for example, your insurance company may offer short term coverage through a partner agency. It's also worth checking with your credit card company to see if your card includes overseas car rental coverage. Keep in mind that coverage may be limited to certain foreign countries, restricted to a collision damage waiver, and exclude exotic cars like a Ferrari. It's always best to check first before an accident happens!AUTOMOBILE INSURANCE FACTSALL 50 STATES REQUIRE DRIVERS TO CARRY CAR INSURANCESPEED LIMIT3X16 19 year old drivers are 3 TIMES more likely to have speeding violations. 17. 9 YEARSOn average a driver will have an accident claim once every 17. 9 years. PIPMedical Payments or Personal Injury Protection PIPThis coverage pays for the treatment of injuries to the driver and passengers of they policyholder's car.
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Odometer tampering, detected during claim processing, voids the insurance and, under decades old state and federal law, is punishable by heavy fines and jail. In 1998, the Progressive Insurance company started a pilot program in Texas, in which drivers received a discount for installing a GPS 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 Telematic Insurance. Such 'telematic' policies typically are based on black box insurance technology, such devices derive from a stolen vehicle and fleet tracking but are used for insurance purposes. Since 2010 GPS based and Telematic Insurance 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' Pay As You Drive insurance policies, 'PHYD' Pay How You Drive or since 2012 Smartphone auto insurance policies which utilise smartphones as a GPS sensor, e. g. A detailed survey of the smartphone as measurement probe for insurance telematics is provided in The Progressive Corporation 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.