When considering your insurance policy, you have to take into account the state laws. Specifically, what is the minimum coverage, and what types of coverage are required.
Your agent is the best source of information. They have access to all the state laws for insurance and will be able to lead you in the right way. It’s their job to know these things and they get paid for your safety. Before you call them be sure to write down your inquiries so they can answer them promptly and you don’t have to call them back.
Basic rule is that each state has a minimum requirement for the auto insurance coverage you need to have for certain situations. The three types of coverage is injury to another, injury to all people, and damage to property.
One of the most unconsidered issues 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.
Some states have laws covering vehicles that you don’t need insurance for. In Washington and Oregon, motorcycles, scooters, and mopeds do not need insurance to drive them.
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.
It is your responsibility to be familiar with and in abidance of the laws of your state. Driving, along with having a drivers license, is considered a privilege, not a right.
The author is currently researching Night Vision Goggles and other spy gear, as well as the hobby of Family Tree Searches for upcoming review articles.
