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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.

The 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.

Personal Injury 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.

Collision Coverage

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.


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