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About the pollution problem of responsibility
December 1980, congress passed a law, establish the cleanup pollution homework base Super Fund (Super Fund). According to the provisions of laws, the federal government from the epd will cause pollution or amortization of responsibility without recourse clear expenses. Each year the federal government allocated billions of dollars from the budget for the EPA (EPA), as the operation cost and recover fund.
Although business liability insurance policy does not cover the sudden accident and the responsibility of the environmental pollution in the United States, but the Common custom (my) of the legal system, when insurant, such as oil companies and chemical companies pollution by government responsibility for, they will be in commercial insurance liability under to insurance company claim for compensation, including business liability or directors and management personnel in the liability insurance policy.
From the start, the property of last century and liability company for environment and asbestos pollution liability of the amount of indemnity as seven, eight billion dollars. Due to the environmental pollution, the insurance company for more than reparations effectively cope with these reparations, every year to increase the pollution liability reserve. The federal government in 1995 in the designated rack cleaner is needed, the base 1290 estimated more than 2000 now. The federal government has not been included in the list of urgently needed to remove the base about more than 4000.
If a conservative estimate, remove a pollution base, including the base of the above and below the pollution property resources to remove $20m, 5,000 base removal fees including processing fee will need more than 1000 billion dollars. The huge costs for companies and government is a great burden. Therefore, the government and the pollution is to seek the base person get compensation from the insurance company. Court in handling these pollution liability, in which state of pollution, which is generally in the court trial state. Court larger international company, the pollution liability is case with more or less local color.
How to explain clearly sudden accident and the pollution problem, the California Supreme Court in 1998 Aydin Corporation and the First trial of the case State insurance company, seven judges have four think First State insurance company for the gradual formation is the effective provision except pollution, unless the assured can prove that the gradual formation of pollution, but not the sudden accident and. California's case greatly encouraged the I urance sectors, strengthen their confidence of prevail. So far, Delaware, Massachusetts, Minnesota and New York in this aspect of the verdict of I urance sectors.
At present, some of the United States congress and source of super fund, puts forward a new reform plan. But the interested parties to this debate, reform progress has been slow. Interested parties to debate mainly: super fund sources are mainly from pollution tax levied responsibility pollution? Pollution from the pollution responsibility person, but they could not by the way of insurance will cover onto the special environment pollution insurance company? Super fund law into effect can be clear responsibility before be investigated? The government somebody thinks, if continued by government funding, equal with tax money to remove the person of pollution, toxic substance in politics. Actually the U.S. has now this special coverage of the pollution of the environment responsibility Environmental Liability insurance (resulted. But due to the product price is high, the insurance company requires strict restrictions, product sales very slowly.
Product liability issues
The United States is developed capitalist countries, commodity (products). Product manufacturer if no product liability insurance, or other forms of credit guarantee, he wouldn't dare to their goods or products into the sales channels. If a customer from the super market to buy a drink beer, causing the metamorphic bad belly, he can in court accused the supermarket or manufacturer. If the customer is in the hotel, or drink broken stomach illness, he will be poisoned accused the restaurant owner, in order to get reasonable compensation.
In order to avoid SuoPeiAn happened to him, manufacturers usually produced products or commodities packaging with detailed instructions and special attention. Some products in the outer packing instructions, can the product will be attached to the specifications and special attention. For those ready-to-eat foods, medicines, wine, beverage, government's food and drug administration (FDA) has special provisions, such as the product of the production date, composition, the longest minimal etc. Otherwise, once produce casualty accidents, the victim of this product will be to the production and sale of all or any party sued.
In recent years, the products liability in the United States, claim the amount of SuoPeiAn has caused more and more is also high, the American people from all walks of life's attention. Since the 1990s, the previous government in American products liability scream. It is predicted that whether the product liability law reform, how to other products of the jury system and strict liability, plenty of evidence before the trial work not completely cancel. Foreign products to enter the American market is the first need, the exporter or importer of local products liability insurance, approved products liability or other credit guarantee, Second is the product details and instructions and other special hints. Those who need to use special hints about the tip of the product, font, color, shape, size, tip position has strict requirements, etc.
Since the 1980s, China began to U.S. markets and fireworks product export some bikes. The people's insurance company of China covers most of the Chinese exporters product liability insurance.

Editor's note: from the harmonious development of society, the guarantee cars or from the car industry to promote the improvement of the system, car insurance and norms are of great significance. And in recent years, automobile sales growth and increase species, compared to the speed of China's automobile industry development speed appears some slow. Therefore, the experience is very developed car market is worth using for reference. Insurance portfolio world champion of American automobile insurance system, in many ways, the rate of products is more scientific and reasonable calculation and humanization. Not long ago, our special industry experts on American automobile insurance to write the article. During the life, in commenting on the specific consumer and from dealing with the traffic accident, the case thoroughly understand American car insurance, and our car insurance situation were analyzed and expectations for China's automobile insurance system to provide the reference.
In America the handling of traffic accidents, the author found that during the American automobile insurance company with a police car, the relationship between China and is very different. Hence, further visited the local insurance company and several policy-holder, detailed understanding of American car insurance. Facing the world's largest automobile insurance market, understand their car insurance institutional improvement process, and study its insurance claims, services, etc, for the good of society in China is entered the car when a beneficial.
The world's largest automobile insurance market
According to relevant information, the world's first automobile insurance in 1896 in Britain was born. Two years later, the car insurance, calculate, U.S. auto insurance industry has 110 years of history. Although it is not the earliest country executes automobile insurance, but it is the world's largest, most complete car insurance market.
Americans without insurance, the insurance so very developed. Insurance is the first ShiSanDa pillar industry, national defense, automobile, finance, real estate industry, for these industries to escort.
American automobile insurance, relying on the rapid development of the world's largest automobile is industrial and consumer market, but also by car government compulsory automobile insurance laws and regulations. As we have learned, in the United States more than 740 insurance company, insurance companies engaged in automobile 260. Data shows that the 2000 U.S. auto reached 2.2 million cars, and functions of national automobile insurance premium income amounted to $13.6 billion, accounting for American property insurance premium income of 45.12%. American automobile insurance business always rank the first.

Perfect car insurance law and regulations
In 1919, the Massachusetts pioneered in the guaranty law stipulated compensation ability, car all registration, must provide the insurance policy or bonds as a vehicle accident compensation ability of guarantee. In 1925, the state and promulgated the compulsory insurance law "regulation, the car owners are all vehicles state must buy the car, and liability insurance car registered as a prerequisite. Promulgated by the two laws, is in order to guarantee the traffic accident victims can get the timely economic compensation.
Thereafter, other states also follow the Massachusetts, successively promulgated and implemented this law. Now, American 50 states are already the legal provisions, owning a car and drive cars must buy the car, namely, the danger will be harshly punished illegal.
America is a United States ", "all owns independent judicial power. Therefore, the state laws and regulations involving automobile insurance from danger set to collect, difference of insurance cost. For example, New York and other regions, street car traffic accidents, people, in order to ensure smooth traffic accident victims can get compensation, the state law enforcement regulations ", but have no fault of insurance of insurance company shall pay party his body damage loss and property loss, "other states are not the regulation.

Quick, thoughtful automobile insurance business
In the United States for auto insurance is very convenient. By telephone or information network, can quickly handle insurance, add or surrender formalities.
When the owner insured for the first choice, insurance companies and insurance coverage worry, each insurance company website owners to provide detailed for consulting services. The famous American coming into GEICO insurance companies have a popular automobile insurance slogan: "15 minutes for you to save 15 insurance fee!" Time is spent 15 minutes to read it will lead to the owners of the web, buy insurance for car, save the right of insurance costs 15%. Selected according to insurance plan, online order program, can input information related to the premium payment immediately that amount. This amount approved by owners, the website will be run after all formalities, and from online issue of the nationalities (formal owner policy policy then send da), the premium from the owners to provide automatic transfer in the bank credit card account.
More than one month prior to maturity, insurance, the insurance company will actively, and inform the payment.the remind the next issue of insurance amount. Add or surrender completely determine by themselves, by phone or email confirmation.

In the United States have no car, is no feet. The car itself is a bunch of expenses, and Auto Insurance (that) Auto multifarious, the same Insurance, price and service quality, can make a big difference. American automobile insurance how many? And how to choose?1 the body injury insurance (Bodily injury - is not guaranteed liability) : the insurance, almost every state has this requirement. Other major pays medical rehabilitation and funeral expenses, and some also pay legal fees and spiritual damage. Payment of $50 million per each event, or $1 million, of course, compensation may exceed insurance covers amount.
2 damage to Property damage liability insurance (succeedas -) : the other vehicle accident compensation for losses, including repair and replacement cost, and other goods, buy insurance compensation for losses from $5,000 (minimum standard) to $100,000.
3 Personal injury protection (Personal injury - protection) : main pay their medical expenses and losses by accident, the bound of salary, whatever the reason, if the road you have other health, life, disability insurance, want to accord with state of the minimum requirements.
4 no insurance and insurance of insurance (insufficient driving Uninsured underinsured motorist coverage) and pay their medical, : rehabilitation and burial expenses. If the other side does not have sufficient insurance accident, especially in populated areas, and many people not only self-preservation, insurance, at least $100,000 per person each $300,000 cars woe, Succeedas Uninsured - motorist damage is the car loss. Payment
5) : regardless of Collision crash (for any cause car crash, pay your loss caused by the crash, at least protect a us $250.
6 the packet analyzer (sex) : regardless of insurance car for any reason, loss can win compensation.
7. Glass damage (payment) : breakage whipping of your own car Glass damage.
8.) : spray (trailer pay your own car trailer expenses.
Car Rental (9) : compensate pays you reimbursement for car Rental fees cannot be used when.
So how to choose the economical, common put the car insurance bowl?
Price is still the primary consideration factors, can find the state insurance department (that) to provide consultation, el department.To survive: don't see price factor, thoroughly compares expenses oneself are more likely to happen, and a new approach, the underwriter will take time.Must avoid accident, if not the best thing on two aspects, don't leave in poor record.Note the various preferential treatment for auto insurance, strive for their best interests.
http://www.edu.cn/20010101/18122.shtml
Second-hand car
www.kbb.com second-hand car, for the price lower than DEALER, near the basis of good price is the price, the REBATE above.http://boston.craigslist.org/about/cities.html sale second-hand car, private parties of trade, check.www.cars.com inquires, are generally used car DEALERwww.autotrader.comwww.courierjournal.comhttp://www.carfax.com/ query VIN number recordhttp://www.autocheck.com/consumers/gatewayAction.do check VIN number recordhttp://club.xcar.com.cn/viewthread... 1043283 & fpage = 2 reverse parking schemeshttp://www.travelers.com/ car insuranceAlmost all http://www.edmunds.com/ the dealer, the most authoritative use.http://www.carsdirect.com old can valuationshttp://www.jdpower.com/cc/auto/index.jsp of each index is a statistical analysis of the car.http://www.carbuyingtips.com/ tip is full
About two months ago, I had to look around, how about the new car, he was promised, but for two months, on the car is not much, but I did think wise enough, fear or misleading others, so he didn't write delays. Now, many people have a holiday to buy, but could I sold the car, and bought a car, the other users on the board also see a lot of, as far as I know, since it has written summary of the experience of others, have you faith, nor the letter.1. How to find advertisementsAdvertising is the following: the way of local newspaper, the special local free money on advertising, the small newspaper website, there is the special campus bulletin board at similar advertising. Generally speaking, a big truck to find suitable car, small place may not to spend some time.2. To find advertisementsSee you think the car advertisement, can give owner call as soon as possible, because the price good condition and good car always soon to sell, so if you really feel ok to consider, don't hesitate to contact with the owner as soon as possible. The phone to ask some questions:Auto or manually automatic-shift (mannul, block (standard),Miles (milage)Have had an accidentSalvage of the engine, did have rebuilt) or revision (flooded (flooded),Have any of the three, though, are not considered likely you will open for a long time, but it is more likely not long time becomes the scrap heap.Recently, and no new replacement of hydraulics, if is new, new Volkswagen, suvs and a new, can rest assured, if it's important component, such as transmission gearbox) will give a (the).Southern region, to ask him about the job. AirAsk him what's wrong with your car, although he may not the truth, but also there are many people who are honest, if he tells you, you can not stand a province.What about after the meeting with him, then you can go. Have a problem, it is very important that is why he sell his car. If he is bought the new car, or to move, or need cash, usually is better, but now I really what is the reason, he usually tell you this several, so this problem can be asked, but don't be too seriously. There is check where does he live in the wealthy, car, not too expensive, maintenance, the car is poor people, especially the ghetto, try to not buy the car.3. chinacarsIf you won't drive, must seek the drive is close friends, to try to take you to open it. These are to see:Appearance, have collided in the traces, especially outside the engine, there may affect collision, if have the function of engine, will be.The car is hanging like shock struts, look at that jacket is rust, if the rust of fierce and breakage, your car are likely to sway the badly, slightly faster, chassis will hit. Highway will not stable.See the chassis of oil leakage, old cars are a bit soiled oil leakage, usually if very light words also not is what big trouble, you can hand to touch the chassis. Oil is very difficult to fix problems, if the chassis, with a thick covering of oil leakage is the very ill, you will need to consider.Check the lamp is working properly, lamps, lights, brake light.Inspection car brake manually (check), first step, try the hardness, if very arduous, may be worn comparison. Then dozen fire, pull up, slowly clutch, handlebars here, if car stall without slippery. In about a minute after the fire, clutch, lift on about a centimeter, then hang a and reverse, if hang in or difficult problem, clutch system, may need to fix. Another friend to help test, can be in 30mph speed when trample brake don't put down, coasted the hanging 2, 3, 4, 5, because do not match against speed, so don't go, as long as you can hang smooth re-rotating in it. If one is not easy to enter or to hear the sound of the block, the synchronizer (synchronizer) may have problems. Don't use this method, then try a and reverse gear shift in two in is not to be hanged.I don't understand, the transmission, try to see whether smooth.The brakes, ask your friends to help you drive try his feelings. The car brake when there should be no vibration, should not run.The brake and clutch of hydraulic transmission, brake and clutch controller should be feeling is very good, but if the elastic force, trample down you feel is smooth and continuous. If when soft hard, or a foot on motionless, what trample motionless, found and can gradually go down, are hydraulic system, might leak.After the fire, air conditioning, playing a few minutes, draught should place to cool wind, otherwise it may not work. Fix the air conditioning is very expensive, if you aren't sure how to do with it, had better open to a garage carefully check, or not to buy.I'll say a car, car is always at sixes and sevens, may also very dirty, no way.commissioningFind a bend in the speed of about 20mile spine-ripping, near the front wheel hearken to the voice, the way they jiggle around any way they jiggle around, if any, is the problem, being CV. Both sides want to try. If the steering wheel shaft's voice, generally is not a problem, just need lubricating the rubber aging.A high-speed test to see 70mile, when in or not working properly, best can open a ten for a few minutes, see opportunity overheats (launched overheat), if not, let it down after 10 minutes of idle there might not overheat. If you're so roughly with no apparent, can find a garage examined, usually has two kinds of price, garage, a free, is generally see, another end, can receive ten more carefully check. Unless you or your friend knows that money, otherwise the car in front of the province, because not all very rough inspection. And there was a car with some problems, then these problems list can be used with your car.4. Watch your title
Add must look carefully, after carefully check to already, and if so, he will find the Original, if he said no, that you will not buy the car. Also add a mark on your title, salvage actually few words, you can put out 10 minutes of all words carefully read again, don't careless. Due to the car windscreen, add feet to find VIN the check carefully, and see any difference. If enough time, best to online check of the car is www.carfax.com url history, input your VIN, block, you can immediately 14.95 online information, see if there is a big problem in here, you can check to see whether, still can have problems. Milage5. priceIf finally decided to buy, will bargain. Before you go online to check in and retail price about how each. Site is www.kbb.com, www.edmunds.com,. Generally speaking KBB about the low and high in retail edmunds, better. About the price is very cheap in the tradein, you may have to buy condition good car, but it is not common, often bring about the price is reasonable and retail price of compromise, to bring about. Bargaining is very important also, you whether you like that car, don't let owner can see you very urgent. Cars are usually have a heap of trouble, many insignificant, but can be used to bargain, but I do have to go play since, ha ha.Usually, a new one is two decide, too quickly TanBianYi is another. This is good, if possible, best can see a car. Not too greed and appropriate, have called to. Good things do may have to look not to come out, the big trouble if it is in good condition, and refused to depreciate, you can wait a car, or just don't care spending more concise dollars. Fix cars is a bottomless hole, hundreds of pieces of cheap, probably will pay thousands of pieces of cost, but also spent a lot of energy, give life also bring a lot of inconvenience. If your price is not on the BBS, can come to ask, a lot of people are willing to answer your questions.After all the decisions can be cash, remember the first hand delivery to buy insurance, then drove home, although the risk is small, but don't risk. Still another is to change your title, this process is very simple, I would say. But don't delay too long, the United States law transaction within a certain term not change (like is 90 days), sell to prison, of course, general won't someone wait so long. [note: before your Title in August when go to a special notarization Notary - specific location. The local telephone can check your Title. Replace the time to tell you a price in the price and based in the quotation. Someone when speaking, a tax is advertising; some don't speak a much lower prices than to buy the price, such as $500, so we can play many fewer taxes. Anyhow, how to offer the best seller and discuss beforehand, because the seller will also present. The tax ranging from 6-8, vary from state to state. Of course, if the price is low, the report to the quality of a column will adjust as fair, generally speaking, or not, but can't speak excellent award.