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Auto Insurance Laws & Requirements in Your State
Like anything, auto insurance requirements are determined by each state. If you're uncertain what's required in your state study up before securing coverage or talk to an insurance agent. It's highly likely that if you purchase only the minimum required insurance, you won't have enough coverage if you are involved in a serious accident.
Numbers You Should Know
You'll often see auto insurance quotes accompanied with a series of three numbers, such as 20/30/15. The first number representing the maximum payout for bodily injury liability. The second number the maximum bodily injury payout for all injuries related to any one accident. And the last the maximum property damage payout for any one accident. Know the minimum limits for your state before securing coverage and consider buying more coverage than you think you need.Uninsured/Underinsured Motorist Coverage
Not every driver is as responsible as you. Just because you carry auto insurance and possibly coverage that exceeds your state's minimum requirements, other drivers might not be as responsible. If you are involved in an accident with one of these drivers, uninsured motorist coverage will provide additional protection to you above the other driver's limits. Without this coverage, you may be forced to pay out-of-pocket for an accident you didn't cause!
Learn more about auto insurance laws in your state: