No matter where you live in the U.S., and regardless of whether you are a driver or passenger, you need to know the auto insurance laws in your state and what you should do if you are ever involved in a collision.
That’s where Baden & Baden Insurance Symposium comes in to help assist you in your time of need. As former insurance adjusters for a leading auto insurer in the U.S., we are well aware of just how important insurance laws are and how they can impact you if you’re in a car crash.
What Are the Laws in Your State?
AUTO/CAR INSURANCE COVERAGE LAWS NEW YORK
Click on a link to your state to learn more about the auto insurance laws there.
As you can see, the vast majority of states have minimum auto insurance coverage that typically includes some type of bodily injury and property damage liability coverage. Depending on whether you live in a fault state or a no-fault state, you could also be required to carry personal injury protection and/or uninsured or underinsured motorist coverage on your auto insurance policy.
You can also choose to add certain types of coverage such as comprehensive, collision, gap insurance, and rental car coverage, to name a few. Keep in mind that the amount of coverage you purchase, if you choose or are obligated to do so, will be the maximum amount that your insurance company will pay out if you are responsible for causing an accident.
For this reason, it may be a good idea to go beyond the state’s minimum. This way, you will pay less out-of-pocket costs when the injured party settles their claim.
Other Things You Need to Know About How Car Insurance Can Impact Your Life
Understanding your state’s insurance laws is just the tip of the iceberg when it comes to the various insurance laws you should know. Furthermore, having information about your state’s fault or no-fault laws and the different ways you can expect an insurance adjuster to take advantage of you in your time of need is equally as important to the success of your case.