(US Law) Having your own auto is a necessity of most Americans and it is important that you buy an auto insurance policy to keep your car protected. Just like it is essential to know insurance law of your state while buying an insurance policy similarly it is essential to know the auto insurance law of your state when you buy insurance for your auto. Different states have different auto insurance laws. While shopping around to buy auto insurance policy, make sure you are aware about the insurance laws of your state. However, if you do not have adequate knowledge, it may be helpful to ask an insurance agent to find out more about the laws related to insurance of your state. Alternatively, searching online may be a useful avenue. Below are some general bits of information about the auto insurance laws of different states in the US.
Auto insurance laws of different states
It is very important to know about the auto insurance laws of your state before you decide to buy the best insurance policy for you. Read on to know about the auto insurance laws of different states.
Tort states – Some American states such as Alabama, Arizona, California, Colorado, Mississippi, Georgia, Nevada, West Virginia, South Carolina, are known as ‘tort states’. If an accident takes place, the driver of these states is considered to be at fault for the occurrence of the accident. If you live in any of these states, make sure that you buy at least the minimum liability coverage. This will enable you to pay for the injury to the other person that may have occurred due to your fault. Consulting a personal injury lawyer is prudent.
No fault states – The no-fault states consist of Florida, Kansas, Hawaii, New York, Massachusetts and Utah. The auto insurance laws of these states are different in some respects from the tort states. The driver in the no fault states is not believed to be at fault for the cause of the accident. It is considered that the accident may have take place because of some unavoidable situations. Hence, the drivers of these states should buy a car insurance policy so that he or she may be able to get coverage.
Add-on states – Arkansas, Maryland, New Hampshire, Virginia, Washington, etc. are some of the add-on states. As per the auto insurance laws, you need to carry add-ons such as uninsured motorist coverage, personal injury protection along with your car insurance. Accidental damages are refunded by your own insurance company. Thus, you will be able to get the required coverage in case you meet an accident with an uninsured motorist.
It is a wise decision to buy an auto insurance policy beforehand so that you may be able to protect yourself from accidents on teh roads. Getting to know about the auto insurance laws of your state before you decide to buy insurance for your own car is sensible and will help ensure that your hard-earned dollars are spent purchasing the best policy for you in line with your state’s requirements.