Auto Insurance Laws – What You Should Know
Laws can be confusing sometimes. How much coverage is you required to have? What is the minimum amount? Do you have to have liability? What if you drive to other states? The questions are endless and it can be confusing at times.
The best source for your insurance laws is your insurance company. They will be able to answer the questions you want to ask them and be sure that you are covered in every instance. After all, it’s their job to know. Have your questions ready when you call them to save time and make sure that you don’t forget anything.
In each state, there is a minimum requirement of coverage that must be accounted for. Some states require one or two, but all three types of coverage are “injury to another”, “injury to all people”, “damage to property”. Some state require liability only, other require all three.
The general rule is that you need proper coverage for the states you drive through as well. If the state you’re traveling through needs more coverage than you have, it’s your responsibility to extend the coverage for the states you travel through.
Some states have laws covering vehicles that you don’t need insurance for. In Washington and Oregon, motorcycles, scooters, and mopeds do not need insurance to drive them.
Most states require that you keep your proof of auto insurance in your car at all times. If you are pulled over by a police officer, you must provide proof of insurance. There are heavy fines if you don’t have it. If you forgot it or it expired and you didn’t get the updated version in the mail. Simply contest the ticket and provide proof to the judge and they should wave the fine.
It is your responsibility to be familiar with and in abidance of the laws of your state. Driving, along with having a drivers license, is considered a privilege, not a right.
Related Posts:
Tags: Affordable Insurance, auto insurance, automobiles, car insurance, cars, driving, insurance, mopeds, motorcycles, personal finance, recreation, trucks
