Auto Insurance Laws – What You Should Know

May 15, 2017 · Posted in General Articles on Car Insurance 
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.

Your agent is the best source of information. They have access to all the state laws for insurance and will be able to lead you in the right way. It’s their job to know these things and they get paid for your safety. Before you call them be sure to write down your inquiries so they can answer them promptly and you don’t have to call them back.

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.

As a driver, it is your responsibility to know the laws you are driving under. Remember that a drivers license, hence driving itself, is considered a privilege rather than a right.

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