Illinois Auto Insurance Laws and Requirements
According to the state’s laws, residents who own a motor vehicle must have the minimum required policy that has been determined by state law. If caught and convicted of driving without auto insurance the vehicle owner’s license plates will be suspended and the driver will face a minimum fine of $500; if caught driving uninsured while license plates are suspended for a previous insurance violation a minimum fine of $1,000 will be issued. There are two types of coverage that are mandatory which are…
Residents of the Lone Star State are required by the state’s laws to maintain and carry proof of financial responsibility in order to legally operate an automobile. Unfortunately, many take the risk of driving around uninsured which not only puts themselves in danger, but also other motorists and pedestrians who occupy the roadways. This is because if they were to strike another vehicle or person, they do not have any compensation in place to pay for damages to the other party. Although, some accidents are unavoidable and unfortunate this can…
The state of MO makes it mandatory for all motorists to maintain proof of financial responsibility at all times in order to operate a vehicle. Therefore, those who wish to utilize the roads must have some way of compensating another party for injuries or damages resulting from an accident that they are found responsible for causing. According to Missouri’s Motor Vehicle Financial Responsibility Law, failure to pay the other party can result in…
Residents in The Great Lakes State are currently paying some of the highest rates for automobile coverage in the country. This is especially true for those who live in Detroit. Residence of the Motor City on average, pay more than the residents of any other city in the U.S. Since it is mandatory to maintain a policy in order to operate a vehicle legally, it is important that consumers are aware of how to obtain cheaper rates and avoid going uninsured or worse, driving without coverage. The most effective tool that motorists have to… 
The Golden State is one of the many states that enforces the financial responsibility law. This basically means that all drivers who operate a motor vehicle must carry an active liability policy at all times; California car insurance is also needed in order to register and maintain registration for automobiles. This law is put in to force with the intention of ensuring that motorists have a way to compensate others in the event of an accident where they are at fault and found liable for causing bodily injuries and/or property damage as a result. The law is also in effect to help keep…
The Sunshine State can be a place where life is fast paced, fun and exciting, but with all of that comes the need to protect one’s self. According to state law, all drivers must carry automobile coverage in order to operate a vehicle legally. What some do not realize is that the required limits mandated by the laws are quite low when taken into consideration the cost of medical care and the price it may cost to replace or repair vehicles. Floridians should consider higher limits than what is necessary to drive to ensure that they are not…
The state requires that all motorists carry a liability policy. As stated by the Maine auto insurance laws, drivers must have the following limits as a minimum; $50,000 for bodily injury to one person, $100,000 for bodily injury to two or more people, and $25,000 for property damage or a combined limit of $125,000. This covers injuries and damages suffered by other parties caused by a policyholder. Bodily Injury Liability compensates for claims that the insured has caused to another party due to a traffic accident. This will also protect the policyholder for damages such as…
The state requires that any individual operating an automobile must have an active liability policy in place at all times. One also has the choice to obtain a certificate of deposit or a bond meeting the required limits. Most choose to purchase coverage from an insurer since it is more reasonable for most to obtain and manage compared to the other methods of acquiring proof of financial responsibility. In order to be in compliance, one must have the following limits on their policy as a minimum; $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people and $10,000 for property damage per accident. If one chooses to…
The Volunteer state requires that all motorists must follow the Financial Responsibility law. This can be done by purchasing coverage from an insurer that is approved to issue policies in the state, the policy must meet the minimum liability limits that are required by Tennessee auto insurance laws and must be in effect at all times while operating a vehicle. The minimum limits of liability required by law are as follows; $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people and $15,000 for property damage per accident. The main agenda behind the financial responsibility law is to help keep uninsured drivers off of the streets and to ensure that there is compensation in place for other parties who may…
The law of the Garden State allows for individuals to choose from two different types of policies depending on their particular situation and needs of protection. The two options are a Basic and Standard policy; which is chosen is up to the motorist and each provide a different level of coverage. Once should take the time to evaluate their needs and assets to be protected before choosing the type of policy that will suit them best. When considering which kind of New Jersey auto insurance policy to purchase there are a few important things to consider before coming to a choice. “BASIC” covers the minimum amount allowed by the state and should be considered by those who have few assets to protect. This can be ideal for… 
The state follows the tort liability law. This means that all motorists must carry proof of financial responsibility at all times while operating a motor vehicle. As of January 1, 2007 the limits of liability are as follows; $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage. Drivers should be aware that this type of policy only covers the damages and injuries of other parties if the policyholder is found liable. This will not compensate the insured for any injury or damage that they may sustain as a result…
Comparing automobile coverage is one of the most important steps to not only saving on policies but getting the right protection as well. Many individuals make the mistake of only looking at the prices of a policy and overlook taking the time to make comparisons of the various types of coverage that are available and could be extremely beneficial. The Sunshine State requires that motorists carry $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL). These limits are relatively low when considering the…
The Golden State follows the Financial Responsibility Law. This basically means that all drivers are legally required to carry proof that they are able to pay for any injuries and/or damages that they are found liable for while operating an automobile. There are fours ways that a motorist can comply with this law; one is to buy a vehicle liability policy which meets the minimum require limits, a person can give a cash deposit in the amount of $35,000 to the DMV, if a person owns a fleet of more than 25 vehicles then they can obtain a certificate of self-insurance issued by the DMV or they can obtain a surety bond from an insurer licensed to do business in the CA. The most common method used to comply with California auto insurance requirements is by purchasing policies from licensed insurers. The policy must have the minimum…
The state requires that drivers maintain a liability policy on all vehicles owned. This type of coverage compensates for damages to other persons and the property of others as a result of a car accident. Georgia auto insurance requirements states that the minimum limits that are required in order to legally operate a vehicle are; $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people and $25,000 for property damage as a result of a collision. Keep in mind that this is the minimal amount that is required and it does not protect the policyholder’s property or cover the injuries that they may have sustained during the incident. The state of GA. has recently implemented a system which gives them the ability to…
The state requires that motorists have a certain type of coverage that is mandatory in order to operate a vehicle. These policies must remain in effect at all times while the vehicle is being operated. The following Maryland auto insurance minimums of liability are limits of $20,000 for bodily injury per person, per accident, $40,000 for bodily injuries if more than one person is involved and $15,000 for property damage. This will cover up to policy limits for medical injuries and property damages as a result of a collision in which…
State law requires that vehicles that are registered must be properly insured at all times. MI has one of the most comprehensive no-fault systems in the nation. If an individual and/or their family is injured as a result of an accident and their vehicle has registration and coverage in the state, then they are entitled to many benefits regardless of who was at fault in the collision. The individual and their family members will be provided with unlimited medical and rehabilitation costs, and also wage losses. Having this type of security is a very important reason to purchase and maintain protection. This type of system is very beneficial to the residents since…
The law states that it is mandatory that all automobile owners that have their vehicle registered must carry the minimum of liability coverage. These limits include $25,000 per person for bodily injury, $50,000 for bodily injury per accident if more than one person is injured and $10,000 to cover the damage of another party’s property. The law also requires that they have a policy that has uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for injuries per accident. Proof of this is required in order to register a vehicle and they must be able to furnish this proof if…
In order to purchase license plates or decals in VA. The owner of a motor vehicle must certify that their automobile is covered by the minimum insurance requirements which the Virginia auto insurance laws state or pay the uninsured motor vehicle (UMV) fee. This is also applicable to antique cars. The insurer issuing the proof of financial responsibility must be authorized to conduct business and issue policies in the state. The consequences for owner who are uninsured or have not paid the UMV fee will have their registration and driving privileges suspended. In order to be reinstated, the individual must pay…
The state has a financial responsibility law in effect that is designed to ensure that any motorist licensed to drive in WI has the proper coverage in place to compensate for any damages that other may sustain as a result of an accident caused by their automobile and that they are found to be liable for. In order to satisfy the state’s requirements on must have liability limits of $25,000 for injury or death of one person, $50,000 for two or more people and $10,000 for property damage. The Wisconsin auto insurance laws also make it mandatory to…
The laws in this state restrict any individual from operating a motor vehicle without the minimum financial responsibility (FR) requirements. In accordance with section 4509.101 of the OH Revised Code, which prohibits individual from operating an automobile without maintaining sufficient proof of FR continuously throughout the registration period of an auto. In the case that the driver is not the owner, they must also carry liability coverage in order to operate a car. Not having the proper proof can result in…
In accordance with state law, no person shall operate, register or maintain registration of a motor vehicle that is designed to be utilized on public highways unless the automobile is covered by a policy containing the state’s minimum liability requirements. If the Department of Revenue discovers that a vehicle’s coverage has been cancelled, they will suspend the registration. If this becomes the case, there will be a reinstatement fee of $100 for the first suspension and the owner will need to provide proof of valid Alabama auto insurance. Fees for subsequent reinstatements will be $200 after a four month suspension of registrations have been served. Suspensions are also applicable if a motorist is caught… 
The state of AZ requires that motorists maintain coverage on their vehicles at all times. Persons must always have a liability policy in effect while operating their automobiles on the state’s roadways. The minimal Arizona auto insurance requirements are as follows: One must have Bodily Injury policies with limits of $15,000 per person for injuries sustained to an individual during a collision where the holder is found liable. In addition, one must carry a limit of $30,000 per accident in the event that…
According to the Vehicle Financial Responsibility Act of 1957, state law requires that all motor vehicle registered in NC must have at least the minimum of liability coverage. This must remain in effect continuously or the vehicle’s registration will be terminated. There are two types of acceptable proofs of coverage, which will be needed when titling and/or registering an automobile. First is known as “Self Certification”. This is when the owner provides to the Division of Motor Vehicles a company name and policy number himself/herself. The other is …
The law requires that vehicles registered within the state have a minimum of liability coverage active at all times. According to Kentucky auto insurance, the minimal limits which must be maintained are as follows. $25,000 for the coverage of bodily injury to others on a per person basis. $50,000 to cover others if more than one person is injured as a result of an accident. $10,000 for property damage in the case that the policy holder is held liable for damaging another parties property as a result of an automobile accident. Keep in mind that these are …