Insurance Auto Insurance & Registration

Which States Require Car Insurance?

There was a time not long ago where some states required minimum levels of insurance and some didn't.
Depending on which state you lived in made the difference between whether you could drive without insurance or not.
These days nearly every state requires a minimal amount of insurance, designed to offer the most basic protection against the most common situations.
The one exception is New Hampshire, where drivers are not required to carry insurance and by the act of driving they acknowledge that they will be responsible for any damages caused from an accident by an uninsured driver.
Each driver shares equally in the risk of getting his by someone who doesn't have insurance and doesn't have the ability to pay for damages either.
The type of insurance that state's require you to have is typically third-party insurance.
This means that it will cover the damage done to other people's cars and property in the event of an accident you caused.
It basically protects everyone else from you.
In a perfect system, if everyone carried third-party insurance then most accidents would be covered.
It's advised that you get more than just liability coverage, because this sort of policy will not cover damage to your own car that you caused.
You'll want to get collision insurance to make sure that you don't have to pay more than your deductible to get your car back to normal.
There are two types of states in regards to auto insurance: those that have no-fault policies and those that don't.
In states that have no-fault in place it restricts a person's ability to sue someone personally for damages done in an accident.
They can only rely on the money that they're given to make the repairs to their car or for the medical bills they incurred as a result of the accident.
Since it's beyond the scope of this article to list all of the different rules for each state, it's important that you consult with an agent to find out what the basic requirements are for where you live.
They'll be able to put you into a policy that makes sure you are covered for the minimum levels, and also for the most likely events that could happen to your car, based on your situation and demographics.
Just remember that the state's put these minimum's in place for a reason.
If everyone drove without insurance the courthouses would be packed with people suing each other for every piece of damage done to them on the road.
With everyone carrying a minimal policy they avoid this mess and let the insurance companies deal with it.
Be sure to get the proper coverage for your state so that you can drive happy.


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