State Requirements

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Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

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Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

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States

STATE INSURANCE LAWS:
Every state has its own regularities in formulating the insurance laws. It differs in each state but certain basic terms remain the same. These insurance laws are framed with the best efforts to keep the accident and other criminal rates to be of minimal rate. The responsibility of drivers is enhanced and people are made to take up the responsibility and pay the coverage of the damages caused by them. The ultimate goal of financial responsibility laws is to promote safe driving in all the states and to compensate the victims and also the policy holders.

Even though every state has its own terms, here are some of the basic rules to be followed everywhere.

1. Purchase of the minimum limits of liability coverage as termed by the local motor vehicle authority is mandatory. They must meet the minimum monetary limits as directed by the government.

2. The driver must carry the proof of car insurance at the time of driving. It must have all the details regarding the insurance policy. Absence of carrying the documents may lead to serious consequences and may be fined and even be jailed for many days.

3. All the details must be reported to the Law Enforcement Officials when asked for at the time of any traffic violation or involved in any form of accident.
There are about 12 states termed as “no-fault” states where people are not cited for their faults. The list of states can be viewed in the official website. The car insurance companies in all the states determine their rates according to the risk posed to the company. A relatively older car with a good driving record will have minimum insurance quote and an expensive car with a bad driving record may lead up to 100% increase in the insurance quote.
It is important to shop around and know the details about the coverage of auto insurance of various firms. Abiding by the basic laws of one’s own state must be followed sincerely while operating the motor vehicle.

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