What You Need To Know About Auto Insurance Laws

Written By: Mark Alison on July 30, 2010 No Comment

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.

To answer these questions, call your insurance agent. They will have all the best information about state and regional laws that involve you and your vehicle. It’s their job to know all this and help you with it. Before you call, make sure you have all your questions ready so you don’t forget.

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.

If you are going to travel out of state, check out what auto insurance coverage you will need. Call the rep of your insurance company and verify the coverage you need. Be sure if you are traveling through multiple states, find the strictest one and change your coverage to that one for the time being.

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.

You must keep proof of insurance on you at all times. If you were pulled over, you are required to provide it. If you don’t, then you must appear in court and show proof or you will be fined heavily. Appearing in court is not a fun thing to do, be sure you have your proof at all times.

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.

The author is currently researching Infrared Goggles and other spy gear, as well as the hobby of Genealogy Searches for upcoming review articles.