State Auto Insurance Laws
Either you are looking to get auto insurance in PA or in any other state, you need to know that each state will oblige car owners to acquire a minimum amount of bodily injury and property damage liability insurance in order to comply with the state auto insurance laws. All states have laws which cover the financial aspect of an car accidents, so in case it happens, the driver (actually the car owner) must have an automobile liability insurance, in order to cover the legal minimum. As a general recommendation, a car owner should get $100,000 of bodily injury protection per person and $300,000 per accident. Most state auto insurance laws state lower limits, but the rest of the money will be taken off your own pockets in case the accident happens, as you won’t have them covered by insurance.
Some state auto insurance laws impose only financial responsibility (FR), leaving the other responsibilities at the free will of car owners.
In part of the states auto liability derives from the classical tort liability system, meaning that there are no restrictions on lawsuits. Just in case you travel a lot, you can take a look and maybe even print out this list, so you’ll know when you cross a state, what you can expect from the local insurance laws:
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Connecticut
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Louisiana
- Maine
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Mexico
- North Carolina
- Ohio
- Oklahoma
- Rhode Island
- South Carolina
- Tennessee
- Vermont
- West Virginia
- Wyoming
As you can see, the state auto insurance laws are not the sale across all states, so you should know very well your local laws in order to stay away from legal trouble.
admin @ March 31, 2008
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