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Wednesday, December 31, 2008

Laws about auto insurance

By Mark Alison

When deciding about insurance, some questions come to mind. How much coverage do I need? What's the minimum requirement amount? Do I need liability? What about other states? These are all common questions that can be answered in a simple fashion.

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.

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.

You can choose instruments that will be exempt from insurance coverage. This can be a moped or motorcycle in some states. This will save you gas money and insurance money. Unfortunately, they are unsafe and the odds of you getting hurt are greater than a car.

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.

Getting cheap auto insurance is a whole lot easier when you have a clean record. Knowing some basics about the laws can help keep your record clean.

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