It is no longer a secret that for a successful and less
painful life in “capitalist countries” a certain amount of insurance is
required for all occasions. Without this, life is, of course, possible, but it
will be very “painful” in case of any unforeseen situations.
The main insurances that you need to purchase or receive
immediately are: medical (general, eye, and dental), automobile and tenant
liability insurance.
If with health
insurance you can still pull a little up to 2 months and then not get a penalty
for it, then with a car or with tenant insurance
it will not work. You may not be given an apartment/house,
where insurance is a requirement, or you cannot register a car without minimum
insurance (analogous to OSAGO), you can get a penalty for not having it or even
suspension of rights, and in some salons they will not even be allowed to leave
without insurance on your newly purchased car.
Therefore, when you move to the States, the first thing you
have to do is deal with a huge number of types of insurance, their conditions,
restrictions, and look for offers that are beneficial for you, since their
prices vary greatly and can be simply unaffordable for beginners.