State Auto Insurance Rules

Each state has different laws regarding automobile insurance coverage, and this can cause confusion for customers, especially if you move from one state to another. Learning your state’s automobile insurance rules is necessary, however, if you want to be sure that your automobile insurance policy covers you for damages at the level required by your state.

Some states require only liability insurance in minimum amounts; other states are “no-fault” and require personal injury protection, or PIP. Still other states require uninsured motorist insurance for every driver. In order to find out about your state’s automobile insurance requirements, you must know where to look for the right information.

A word of caution is in order when searching the internet for state automobile insurance requirements. Although there are many websites purporting to collate state automobile insurance requirements, these sites are created by individuals who may or may not have accurate information about each state. Further, these websites may not be updated in a timely manner by their owners, and information may be out of date by the time you read it. In order to be sure you have accurate information about your state’s automobile insurance laws, you should visit your state’s insurance website.

Most states have a governmental agency known as the Insurance Commission that is responsible for maintaining information on state automobile insurance laws. Your state’s agency may go by a slightly different name; for example, California has the California Department of Insurance, while Georgia’s agency is known as the State Insurance Commissioner’s Office. You can find your state’s insurance commissioner’s website by searching for your state’s name and “insurance commissioner.”

Once you find your state’s insurance website, you can easily find a link or search for your state’s minimum insurance requirements. Most states have only liability insurance requirements, but twelve states also have personal injury protection requirements because they are “no-fault” states. Several states have also instituted requirements for uninsured motorist coverage. Your state’s insurance website will give you the information you need about minimum requirements for automobile insurance.

If you are having trouble finding your state’s guidelines on the insurance commissioner’s website, you can contact the state insurance commissioner directly through email or by phone. The office will be able to quickly give you the information you need or direct you to the right web page.

Another way to discover your state’s automobile insurance requirements is to talk to an insurance agent in your state about coverage. Any insurance agent doing business in your state is required to give you at least the minimum amount of coverage when you apply for a policy. The trouble with talking to an insurance agent is that he or she may encourage you to buy more than the required minimum amounts and may be reluctant to tell you that you do not need more than this amount of coverage. Of course, it is usually a good idea to have more than the minimum amount of coverage, but you should still be given accurate information about minimum requirements before you make a purchasing decision.