我来说个简单的

根据统计,美国的交通事故率是: 1起/500,000 vehicle-mile. 事故包括fatality,injury and property damage.

5%的事故是fatal.

按平均每天开400m 算,大约1250天会有一起事故.如果不买保险,可节省约2万多圆.如果出一次fatal事故,2万多圆就远远不够(撞死别人,不是自己),如果自己死了,帐就不好算了.如果是一般的伤残,2万差不多刚够.如果是property damage,2万绰绰有余.

结论: 自信不会出fatal accident,不要买保险.

所有跟帖： 

• Rental car insurance DOES NOT COVER Injury nor death -Lvtotravel- ♀ (518 bytes) () 12/28/2006 postreply 13:00:33

• Collision should cover all of them, right? -王医生- ♂ (0 bytes) () 12/28/2006 postreply 13:04:08

• No. Collition covers your own car, in this case, -Lvtotravel- ♀ (530 bytes) () 12/28/2006 postreply 13:09:44

• I just called my agent, you are right.那就更不要买了 -王医生- ♂ (54 bytes) () 12/28/2006 postreply 13:16:36

• we usually dont buy, except for short trip and bad weather -Lvtotravel- ♀ (668 bytes) () 12/28/2006 postreply 13:25:14

• Most rental rates INCL liability insurance in it. -Lvtotravel- ♀ (380 bytes) () 12/28/2006 postreply 13:13:10