Car Insurance

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.

Most states require that you keep your proof of auto insurance in your car at all times. If you are pulled over by a police officer, you must provide proof of insurance. There are heavy fines if you don’t have it. If you forgot it or it expired and you didn’t get the updated version in the mail. Simply contest the ticket and provide proof to the judge and they should wave the fine.

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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