Automobile Insurance Coverage:
What Coverage is Necessary, What Coverage is Optional -- A Look
at Automobile Insurance Requirements in Your Own State
As you go about the process
of seeking a new or replacement automobile insurance policy,
you may have some basic questions about a typical car insurance
policy and what is contained in a particular policy of car
insurance in this day and age. In addition, you may be wondering
what type of car insurance will best meet your needs at this
point in time. Moreover, you may be wondering what you state
requires when it comes to car insurance coverage -- what needs
to be included within a policy of car insurance in your state.
Each state does have different laws in regard to what must
be included in a car insurance policy in the way of coverage
provisions. Through this article, you will be provided with
some basic information about what is required to be included
in your car insurance policy and what is optional.
State by State Laws
|In the United States, insurance laws
generally speaking are decisions left to the different states.
As a result, there are some differences in the insurance laws
from state to state. Therefore, if you do find that you have
specific questions in regard to what must be included in a car
insurance policy in your state, you should take the time to
contact you stateís insurance commissionerís office.
insurance commissioner in your state will maintain a consumer
assistance division that will be able to provide you materials
and information in regard to the minimum insurance requirements
in your state.
Basic Liability Coverage
|Each state in the United States does
require a driver in that state to maintain a minimum amount
of liability coverage in his or her car insurance policy. Liability
coverage provides protection should you cause a car accident
that damages the property or person of another driver. The minimum
dollar amount that you must maintain in regard to liability
coverage does vary from state to state.
Liability Protection Benefits
In all states, you
must also maintain Personal Injury Protection Benefits --
oftentimes called PIP benefits -- within a policy of car insurance.
This covers any immediate medical needs that you may incur
as the result of an automobile accident.
|When it comes to protecting your
own motor vehicle in the event of a car accident, you do have
some options available to you. For example, if you own an older
automobile, you actually may not want to maintain collision
coverage on the car. You may not want to go to the expense of
paying for coverage on an older car that really is not worth
all that much in the first instance. This is an option that
is available to you in most states when it comes to making decisions
in regard to coverage to be included in your car insurance policy
at this point in time.