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Laws About Auto Insurance

Posted by Mark Alison on July 20, 2009


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by Mark Alison

When considering your insurance policy, you have to take into account the state laws. Specifically, what is the minimum coverage, and what types of coverage are required.

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.

Basic rule is that each state has a minimum requirement for the auto insurance coverage you need to have for certain situations. The three types of coverage is injury to another, injury to all people, and damage to property.

One of the most unconsidered issues is traveling to another state. You must have auto insurance coverage to conform to that state’s laws. Call your insurance before you cross state lines to change coverage to meet the local requirements.

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.

All states require you to carry auto insurance proof on you at all times. When pulled over if you don’t provide proof, you will get a ticket and have to contest it in court. Simply bring the proof to the judge and you should get acquitted. If not, it’s a hefty fine.

You are the one responsible for staying within the driving laws of your state. In all states, it is considered a privilege, not a right, to drive and have a drivers license.

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