How the car insurance?

Few people know that the car started to insure almost with the first machine. In 1898, American Truman, Martin appealed to the company «Travelers Insurance Company» to insure your car from a collision with a horse-drawn carts. The fact is that in those days in America there were about 20 million horses and the risk of becoming a party to the accident because the animal was very large. Then the insurance cost Truman $ 12, while he received the policy for $ 500, which in itself was no small sum. Soon, however, the main problem for motorists are not horses, and already own the machine, whose number is rapidly roslo.Imenno then came finest hour hull: car owners began to insure the car, on a voluntary basis. And in 1925, first in Massachusetts was introduced by liability insurance, then the policy srahovaniya became obligatory. Europe insurance affected much later. Being almost half a century in the dark continent of Europe adopted the American experience is only in 40th years. the last century. Then, establishing a general system of insurance using the same policies that provide comprehensive insurance rates. Because of the green forms such policies quickly nicknamed "green cards", which seems to have been familiar. For example, today in an international treaty "green card" includes 45 countries from Europe, Africa and Asia, including Russia. By the way, in our country, auto insurance system at all appeared a century after the first American experience. Originally it was planned to introduce in 1924, then the matter was postponed until the 60-ies, but the first calculation of the hull was produced only in 1991, many domestic car owners with the suspicious of the innovations, so the wide resonance of car insurance in those years did not receive. However, after the introduction in 2003 of compulsory insurance on OSAGO learned everything. At this moment more than 90% of drivers are the holders of such a policy. Moreover, now it is even difficult to imagine that once the drivers were not from anything insured and went at their own risk at random.