Tuesday, 30 December 2008

Auto Insurance Laws - What You Should Know

By Mark Alison

When deciding about insurance, some questions come to mind. How much coverage do I need? What's the minimum requirement amount? Do I need liability? What about other states? These are all common questions that can be answered in a simple fashion.

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.

One of the most unsought of thing 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.

You can choose instruments 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. Unfortunately, they are unsafe and the odds of you getting hurt are greater than a car.

You must keep proof of insurance on you at all times. If you were pulled over, you are required to provide it. If you don't, then you must appear in court and show proof or you will be fined heavily. Appearing in court is not a fun thing to do, be sure you have your proof at all times.

The biggest factor in finding cheap auto insurance is keeping your driving record clean. Knowing a little bit about the laws can help a great deal!

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