What You Need To Know About Auto Insurance Laws
Jan 7, 2009 Motor Cycle Insurance
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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.
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.
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.
In some states, there are vehicles 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.
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.
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.
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